Arkansas Car Insurance
Everyone knows that there are car insurance laws for a reason. Helping to keep people safe, state governments have implemented numerous ways to educate the public about safe driving. Also, to make sure that the roads and lights in their state are well-kept up. Some states are better at this than others, and many states have not done as good of a job as they should with educating drivers about automobile insurance requirements.
Arkansas has done an excellent job with that, but many people still have questions about the insurance requirements, the average cost of insurance, and what the best companies are in the state. Learn about all of these things, and more, as you continue reading.

Auto Insurance Requirements In Arkansas
Arkansas has minimum limits for automobile insurance to drive legally in the state. Arkansas is not a no-fault state, but it still requires licensed insurance companies to make first-party benefits available as an option to policyholders. This means that in addition to the minimum limits for car insurance, people can buy additional supplements to their policy.
The minimum requirements for car insurance in Arkansas include $25,000 for bodily injury coverage for one person in an accident. If multiple people are involved in the accident, $50,000 of bodily injury coverage per accident needs to be available. Also, $25,000 of property damage liability coverage is mandated by law.
When registering your vehicle in the state, your insurance status will be looked at. People who do not have a valid automobile insurance policy will not be able to register their vehicle. Registering occurs at the Office of Motor Vehicles in Arkansas.
Average Cost Of Coverage In Arkansas
Arkansas has higher than average automobile insurance rates when compared with the national average. Some clubs provide policies at lower prices on average, meaning that comparison-shopping for auto insurance in Arkansas can save people a lot of money. With an average cost of just over $1,600 for auto insurance plans in the state, it is crucial to keep in mind that numerous other variables also impact how much people pay for their policies.
Other variables can include a person’s driving record, their marital status, their age, and the type of vehicle they are driving. Each city in the state also has a risk profile that can affect rates.
Cheapest Car Insurance Companies In Arkansas
Some of the least expensive car insurance companies in the state of Arkansas include Auto Club, Shelter, Progressive, and State Farm. These are not always the companies that have the best rates for every driver, and there are numerous companies in the state that people can consider using. Comparison-shopping for car insurance providers can help people save a lot of money on their plans.
Cheapest Car Insurance In Arkansas By City
Where a person lives in Arkansas also has an impact on the rates that they pay for insurance on their vehicles. Cities like Fayetteville, Cabot, and Horseshoe Bend, are among the cheapest places to purchase automobile coverage plans for in the state. These cities have lower than average rates for the state.
Most Expensive Car Insurance In Arkansas By City
Larger cities tend to have more expensive rates, but for Arkansas, the higher prices can be found at West Memphis, Helena West Helena, Hamburg, and Little Rock. These cities come in above the state average, along with other cities like Osceola and Blytheville.
Laws, Rules, And Penalties In Arkansas
People driving without the minimum limits for car insurance in the state of Arkansas can see harsh penalties. Significant fines and other repercussions can be issued to people who refuse to follow the laws. Minimum limits of $25,000 per person and $50,000 per accident of bodily injury liability insurance coverage must be carried at all times. Also, property damage liability insurance in the amount of $25,000 per person and $50,000 per accident must also be carried.
Drivers need to be prepared to show their automobile insurance cards, or other proof of auto insurance if they are pulled over or are in an accident. Drivers who have insurance, but fail to provide evidence of it in these situations can be subject to penalties.
How to Save Money On Car Insurance In Arkansas
There are quite a few companies in the state of Arkansas that people can consider for auto insurance plans. Comparing these companies is one of the best ways to save. Remember that each car insurance provider uses different variables to determine the rates a person pays. Many companies also offer a plethora of discounts that can help people save even more money on their vehicle insurance policies.