Cheap Car Insurance in Arkansas

Cheap Car Insurance in Arkansas

It is mandatory to get car insurance in Arkansas for drivers to drive legally in the state. Different companies in Arkansas provide car insurance at different rates.

According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Arkansas:

Name of the Company Average annual car insurance premiums
Travelers $1120
USAA $1160
Safeco $1296
State Farm $1367
Southern Farm Bureau $1390
Auto-Owners $1496
State Auto $1540
Shelter $1617
Progressive $1808
Cameron $2155
Nationwide $2264
Sentry $2370
Farmers $2378
MetLife $2422
GEICO $2425
Allstate $3137
Metropolitan $3360
Home State $3477
United Automobile $3795
Hanover $4606

Cheap car insurance in Arkansas for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Arkansas with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Arkansas provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Arkansas by maintaining a good driving record. 

Drivers with no traffic ticket may save $357 on car insurance premiums in Arkansas. Drivers may save $690 on car insurance premiums if they have an accident-free record in Arkansas. By maintaining a good credit history you may save $1220 on car insurance premiums in Arkansas. 

Cheap car insurance for inexperienced drivers in Arkansas

Most auto insurance providers may charge high auto insurance premiums in Arkansas from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Arkansas vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Arkansas. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $4442 $7232
17 $4210 $6497
18 $4030 $5728
19 $3696 $3478

Affordable auto insurance in Arkansas for high-risk drivers

Car insurance companies in Arkansas charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs.

Drivers with a good driving record in Arkansas can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Arkansas may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $2146
DUI $2013
Speeding Violation $1812
Bad Credit $2676

Best car insurance companies in Arkansas

Some companies in Arkansas charge lower car insurance premiums than others. To get the best auto insurance policy in Arkansas you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough.

You can find the best auto insurance company in Arkansas by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Arkansas:

  1. Allstate
  2. Auto-Owners
  3. Cameron Mutual
  4. Columbia Insurance
  5. GEICO
  6. Liberty Mutual
  7. MetLife
  8. Nationwide
  9. Progressive
  10. Southern Farm Bureau
  11. State Auto 
  12. Travelers
  13. United Automobile
  14. USAA

What auto insurance coverage is mandatory to purchase for drivers in Arkansas?

The average annual cost to get the minimum required coverage in Arkansas may be around $620. The minimum required coverage for drivers in Arkansas to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $25000
Bodily injury per accident $50000
Property damage per accident $25000

 The state minimum auto insurance requirements in Arkansas

The state minimum auto insurance coverage requirement is liability coverage.

  1. $25000 bodily injury coverage per person is required in Arkansas.
  2. $50000 bodily injury coverage per accident is required in Arkansas.
  3. $20000 property damage coverage per accident is required in Arkansas.

Other types of optional coverages in Arkansas are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Uninsured Motorist Bodily Injury
  5. Loan/Lease Payoff
  6. Medical and Funeral Services
  7. Rental Car Reimbursement

Fine for driving without car insurance in Arkansas

If anyone caught driving without a car insurance policy in Arkansas then police may charge a fine. 

Car insurance prices by cities in Arkansas

Car insurance premiums in Arkansas may vary from city to city. In some cities of Arkansas, car insurance prices are high compared to others.

City Average annual insurance premiums
Pine Bluff $1952
Little Rock $1950
Bryant $1875
North Little Rock $1873
Benton $1870
Texarkana $1820
West Memphis $1805
Maumelle $1800
Hot Springs $1782
Jacksonville $1775
Cabot $1773
El Dorado $1700
Searcy $1697
Jonesboro $1662
Conway $1658
Van Buren $1600
Russellville $1597
Fayetteville $1587
Fort Smith $1580
Rogers $1556
Bella Vista $1544
Bentonville $1540

If you are looking for a car insurance deal in Arkansas, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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