Arkansas Auto Insurance


State of ArkansasArkansas state law requires that motorists carry at least the minimum liability limits at all times while operating a vehicle. The cost of coverage fluctuates quite often in AR, and contrary to popular belief, the state does not set the rates. Due to the fact that insurers are allowed to determine their prices, it is strongly suggested that shoppers obtain multiple auto insurance quotes from various companies in order to find the most affordable policy.

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Find Cheap Car Insurance in Arkansas Online

Most consumer guides suggest that anyone seeking a policy take the time to compare AR auto insurance rates and companies. This gives consumers the ability to compare the pricing of different providers. It also allows them to view the price range that they can expect to pay and eliminate any insurer they may feel is unreasonably priced.

A very efficient and convenient way of locating cheap Arkansas car insurance premiums is becoming more and more popular with consumers: getting quotations online. It not only allows shoppers to easily find pricing but it allows them to get multiple quotes from various competitors that can issue policies in their area. This can be beneficial since they may locate an affordable company they may have overlooked by other methods of shopping. The Internet doesn't only provide ease when searching for new policies; it is also fast and free, and there is no obligation to buy.

About Arkansas Auto Insurance Law

Arkansas lawThe state's AR car insurance laws require drivers to maintain the following coverage:
  • Bodily Injury Liability — $25,000 per person in an accident; $50,000 for more two or more people
  • Property Damage Liability — $25,000 for property damage per accident
As with many states, AR follows the tort system. This simply means that, in the event of a traffic collision, the party found liable will be held responsible for all injuries and damages sustained as a result. If the expenses amount to more than what their policy limits are set at, the insured will be accountable for the remainder.

There are higher limits available, and it can be wise to consider raising them when shopping for coverage to add further protection from future financial hardships. For more on mandatory and additional coverage in Arkansas, one can contact the state's Insurance Department.

Questions about AR Coverage

  • Can I Shop for Arkansas Auto Insurance Online?

    Arkansas state flag on a computer screenMotorists in the Natural State are encouraged by the Arkansas Insurance Department to shop online for vehicle coverage. The Internet can provide a wealth of information with little effort and can also help drivers efficiently compare quotes from multiple companies. When shopping for...

  • Can Credit History Affect My Arkansas Auto Insurance Premiums?

    Arkansas puzzle pieceYes, state regulations permit Arkansas car insurance providers to take credit history into account to help determine whether to cover an individual and how much to charge him or her for coverage. But not all car insurers in the state will use credit, and in the vast majority of cases, the practice has had either...

  • What Types of Arkansas Car Insurance Coverage is Available?

    Arkansas state flagBeing prepared for an accident or potential vehicle damage can be an excellent way to avoid paying for costly repairs. One of the best ways for Arkansas drivers to adequately ready themselves is to purchase an automobile policy that goes above and beyond what is required in order to...

Arkansas Auto Insurance News

  • Electronic Car Insurance Proof Bill Signed in Arkansas

    March 5, 2013 - Proving coverage by electronic means is now a reality in Arkansas, where a speedy legislative process of less than a month zipped a bill to the governor's desk for approval. Act 175, formerly SB 243, was signed by Gov. Mike Beebe on March 1. The bill was introduced less than a month ago, on Feb. 5. State law mandates that ...

  • Electronic Proof Bill Seeing Fast Push through Ark. Legislature

    Feb 21, 2013 - A bill in Arkansas allowing drivers to electronically display proof of insurance coverage is speeding through the state Legislature as similar proposals in states across the U.S. are moving along the legislative process. After being filed by Sen. Larry Teague (D-Nashville) just two weeks ago on Feb. 5, senators already passed ...

  • Esurance Extends Business to Arkansas Drivers

    September 18, 2012 - This month, Esurance began selling policies in Arkansas, the latest expansion for the insurer that has seen major growth efforts since Allstate acquired it last October. Currently, Esurance offers auto coverage in 32 states, according to spokesman Danny Miller. The direct-to-consumer insurer's last statewide expansion was ...

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    Dec 23, 2011 - Automobile coverage is compulsory for Arkansas motorists, but with adequate research a resident can often end up decreasing their insurance costs. Shopping for quotes and utilizing discounts can make a...

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    Oct 26, 2011 - Legislation was passed in 1987 and 1999 making it against the law for residents of the Natural State to drive an automobile without the proper coverage in place. All motor vehicles cannot be...

  • Rating Arkansas Auto Insurance Companies

    Jul 29, 2011 - There are countless options available AR residents searching for automobile coverage. Competitive companies and unique motorist needs can typically lead to insurers charging different amounts for policies that provide the...