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Arkansas Auto Insurance

Arkansas auto insurance is something that most people in the state are familiar with, because if you have a car then you have to have insurance. However, there are many things that not everyone knows about Arkansas auto insurance and it is these things that can help you get the best policy at the best price. Do your research and learn about Arkansas car insurance today so you can make the best possible decision to protect yourself, your family members, passengers and others.

Arkansas Auto Insurance Minimums

Arkansas has very low liability limits that are required to be carried for basic coverage in order to legally operate a car in the state. These limits would not cover the costs of a serious accident if you were found liable. These incredibly low minimums are:

  1. $25,000 to cover bodily injury liability per person

  2. $50,000 to cover bodily injury liability per accident

  3. $25,000 to cover property damage liability per accident

If you can afford the additional coverage, increase these limits by at least double, if not more. It will help protect your assets, in case of a bad accident. Otherwise you may be sued for what you are worth.

Medical payments and personal injury protection must also be offered to anyone who applies for car insurance. If you don’t want these types of coverage, you must reject them in writing.

Arkansas Car Insurance Discounts

Companies offer a wide variety of auto insurance discounts in Arkansas for many different things. Be sure you get all the ones you are eligible for.

  1. Defensive driving course graduates over the age of 55

  2. College graduate

  3. Economy cars

  4. Multi-line discounts, if you have other types of insurance with the same company

  5. Multiple vehicle discounts

  6. Safety devices that are factory-equipped on your car

  7. Anti-theft devices

  8. If your vehicle is used on a farm

  9. If you have a student who goes to school in another area

  10. Certain payment plans

Arkansas Auto Insurance Companies

There are a variety of different auto insurance companies doing business in the state of Arkansas. Below is a partial list of some of the top ones.

  1. GEICO

  2. State Farm

  3. All State

  4. Progressive

  5. Nationwide

  6. Hartford

  7. Infinity

  8. Chubb

  9. AIG

  10. Esurance

Be sure to thoroughly check out any company you are planning to do business with, before you purchase an insurance policy. You can check their customer service record with a simple online search. You can check their financial stability through one of the independent insurance ratings companies, like A.M. Best or Moody’s.

Arkansas Auto Insurance For High Risk Individuals

Certain individuals who are considered to be high risk for AR car insurance will have a hard time obtaining coverage. However, as you must have at least liability coverage on your car by law, the state has helped to provide an option for people in this situation. It is a high-risk insurance pool and any insurance agent in Arkansas can give you more information on it.

The costs of high-risk insurance pools tend to be very high, therefore be sure you’ve shopped around carefully and have no other option when you choose this one. There are companies that specialize in offering insurance to high-risk individuals, so check them out.

Some of the situations that can cause a person to be labeled high-risk include:

  1. Poor driving record with accidents and/or tickets.

  2. Driving under the influence (DUI) charge.

  3. Gaps in prior insurance or having had a policy cancelled.

  4. Being an inexperienced driver, especially a young, male driver.

  5. Having poor credit.

Get Your Arkansas Auto Insurance Quotes Now

Now that you know what Arkansas auto insurance is all about, it’s time to get a quote. Luckily, by using an online quote tool like the one above, it doesn’t matter what time of the day or night it is. You can shop around for the best policy at the best price.

Return to the quote tool at the top of this page, enter your zip code and answer the questions you find there. In no time you’ll have a variety of Arkansas auto insurance quotes from some of the top insurers in your area.

Get started comparing free Arkansas car insurance quotes online now!

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