Arkansas Auto Insurance

Arkansas operates as a tort system of auto insurance. What does this mean for Arkansas drivers? It means you will have to carry minimum liability coverage in order to pay damage expenses for any accident, including medical and property.

Arkansas's Legal Requirments

Arkansas auto insurance has a minimum liability of $25,000 for one person involved in a traffic incident, $50,000 for all persons involved, and $25,000 for property damage to other drivers. This required coverage is commonly referred to as 25/50/25.

Although under-insured and uninsured coverage are not mandatory in the state of Arkansas, insurance providers are required to offer you this type of coverage. As with any minimum legal requirement, it is advisable to purchase more than the minimum in order to safeguard yourself against costly accidents.

Arkansas Auto Insurance Rates

Arkansas auto insurance rates are determined by the entire states driving activity. What does means for the insurance consumer? It means that insurance rates are figured by determining the cost to insure the entire state, then determining individual percentage of that by using variables like age, location, driving record, and the make and model of your car. By having a clean driving record, a “safe” vehicle, and a “safe” area to drive in, a person could reduce their auto insurance premiums significantly.

Arkansas auto insurance rates are considerably lower than the rest of the country, averaging $698.28 for coverage. Last year, Arkansas residents spent on average $378.84 on liability coverage, $294.88 for collision coverage, and $175.89 for comprehensive coverage. With these numbers, Arkansas ranked 33rd in the nation for money spent on car insurance.

Do the rates for Arkansas car insurance seem high to you? Arkansas auto insurance rates can be reduced for college graduates and for those drivers 55 and over who successfully complete a course offered by the Arkansas Office of Driver Services.

Auto Insurance Companies Offering Coverage

More Arkansas Auto Insurance Information

To find out more about Arkansas auto insurance you can write the Arkansas Department of Insurance at the following mailing address:

Arkansas Insurance Department
1200 West Third Street
Little Rock, AR 72201
Phone: (800) 282-9134
Fax: (501) 371-2618

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For other Arkansas Insurance Resources, See:

• Arkansas Health Insurance
• Arkansas Home Insurance

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