Car Insurance in Arkansas
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Introduction: Car Insurance in Arkansas
Arkansas has over 2.1 million licensed drivers, making auto insurance an essential requirement for motorists. Whether you’re commuting through Little Rock’s city streets, driving through Fayetteville’s rolling hills, or traveling along rural highways, car insurance in Arkansas ensures legal compliance and financial security.
Arkansas offers lower-than-average car insurance rates compared to the national average. According to the National Association of Insurance Commissioners (NAIC), the average annual cost of full coverage in Arkansas is $1,525, which is below the national average of $1,674.
Arkansas Car Insurance Requirements (State Laws & Minimum Coverage)
Minimum Liability Coverage (25/50/25 Rule)
According to the Arkansas Insurance Department (AID), drivers must carry at least:
✔ $25,000 for bodily injury per person
✔ $50,000 for bodily injury per accident
✔ $25,000 for property damage per accident
✔ Uninsured Motorist (UM) and Underinsured Motorist (UIM) Coverage: Optional but recommended
Why Minimum Coverage May Not Be Enough:
- Medical expenses after an accident can exceed $25,000 quickly.
- Vehicle repairs often surpass $25,000, especially for newer models.
- Arkansas has a high percentage of uninsured drivers, making UM/UIM coverage crucial.
Recommended Full Coverage for Better Protection
Many Arkansas drivers opt for full coverage, which includes:
| Coverage Type | What It Covers | Recommended For |
|---|---|---|
| Collision Coverage | Pays for damage to your car in an accident | Drivers with new or financed vehicles |
| Comprehensive Coverage | Covers theft, vandalism, and weather damage | Important due to Arkansas’ tornadoes and flooding risks |
| Uninsured/Underinsured Motorist (UM/UIM) | Covers injuries from uninsured drivers | Essential since some Arkansas drivers lack insurance |
| Medical Payments Coverage (MedPay) | Covers medical expenses regardless of fault | Helpful for drivers without health insurance |
Average Cost of Car Insurance in Arkansas
Car insurance rates in Arkansas vary based on location, driving history, and vehicle type. Below is an average cost breakdown:
Arkansas Car Insurance Cost by Coverage Type
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Liability | $636 |
| Full Coverage | $1,525 |
Car Insurance Costs by Major Arkansas Cities
| City | Minimum Coverage | Full Coverage |
|---|---|---|
| Little Rock | $890 | $1,950 |
| Fayetteville | $780 | $1,700 |
| Fort Smith | $750 | $1,650 |
| Springdale | $770 | $1,680 |
| Jonesboro | $740 | $1,600 |
| Rogers | $770 | $1,700 |
| Conway | $760 | $1,670 |
| Bentonville | $750 | $1,640 |
| Pine Bluff | $800 | $1,720 |
| Hot Springs | $770 | $1,690 |
Car Insurance Costs by Age Group
| Age Group | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-19 Years | $4,000 – $6,500 | $7,000 – $9,500 |
| 20-24 Years | $2,200 – $3,500 | $4,800 – $6,000 |
| 25-34 Years | $1,500 – $2,200 | $3,200 – $4,500 |
| 35-44 Years | $1,200 – $1,900 | $3,000 – $4,200 |
| 45-54 Years | $1,100 – $1,800 | $2,800 – $4,000 |
| 55+ Years | $1,000 – $1,600 | $2,500 – $3,800 |
✔ Teen Drivers (16-19 Years): Pay the highest premiums due to inexperience and higher accident risks. Many insurers offer good student discounts to help lower costs.
✔ Young Adults (20-24 Years): Rates decrease as driving experience improves but remain higher than mid-age drivers.
✔ Mid-Age Drivers (25-49 Years): Experience the lowest insurance premiums due to lower accident risks and a longer driving history.
✔ Senior Drivers (70+ Years): Rates increase again as older drivers face higher accident risks due to slower reaction times and medical conditions.
Factors Affecting Car Insurance Rates in Colorado
Several factors influence car insurance rates in Colorado, including:
- Weather Conditions: Colorado experiences severe hailstorms, wildfires, and icy roads, leading to higher claims.
- Driving Record: Accidents, DUIs, and speeding tickets significantly impact rates.
- Location: Urban areas like Denver and Aurora have higher rates due to congestion and theft.
- Credit Score: Colorado insurers use credit history when determining premiums.
- Annual Mileage: More miles driven increases accident risk.
- Vehicle Type: High-performance and luxury vehicles cost more to insure.
- Coverage Level: Full coverage is more expensive but offers better protection.
Best Car Insurance Companies in Colorado (2025)
Finding the right insurer depends on affordability, coverage, and customer satisfaction. Here are some top options:
| Company | Best For | Average Annual Cost (Full Coverage) |
|---|---|---|
| GEICO | Cheapest Rates | $1,850 |
| State Farm | Best for Customer Service | $1,900 |
| Progressive | Best for High-Risk Drivers | $2,100 |
| Allstate | Best Full Coverage Options | $2,300 |
| USAA (Military Families) | Lowest Rates for Military | $1,750 |
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FAQs (Google People Also Ask)
Arkansas law requires 25/50/25 liability coverage: $25,000 per person for injuries, $50,000 per accident, and $25,000 for property damage.
The average minimum coverage costs around $53 per month, while full coverage averages $127 per month.
Smaller cities like Bentonville and Jonesboro tend to have lower rates compared to Little Rock.
No, Arkansas does not require uninsured motorist coverage, but it is highly recommended.
Yes, but high-risk drivers may face higher premiums. Taking defensive driving courses and shopping around can help lower costs.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.