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For Auto Insurance Quote Comparisons by state, visit the link shown below.
This page provides concise information that will help Arkansas car owners minimize their premiums on auto insurance.
Scroll down for quotes, rates, providers, state laws, statistics, fast facts, and tips on securing the cheapest Arkansas auto insurance premium package you can get.
Auto Insurance Quote Comparisons
Premiums on Arkansas car insurance depend on certain primarily invariable factors like climate, topography, economy, crime rates, and percentage of uninsured vehicles on the road, among other things.
Individual demographics like the driver's age, gender, marital status, and driving record can also effect premium rates.
The Average Annual Premium for Auto Insurance in Arkansas was slightly over $1,345 last year, hitting the national average of $1,347 almost on the head.
Penalties for Uninsured Drivers
If you get ticketed for driving an uninsured vehicle in the state of Arkansas, you can expect at least a fine and a suspended registration. Subsequent offenses face stiffer penalties.
Minimum Liability Coverage
As dictated by Arkansas state law, the minimum required insurance coverage for each owned vehicle is 25/50/25.
That means car owners must purchase at least $25,000 in Personal Injury Protection, $50,000 against death or injury to others, and a minimum of $25,000 coverage against property damage.
Cost of Car Insurance
Arkansas auto insurance providers offer a variety of special discounts to reward exemplary driving practices.
Among the many available discounts are, to name a few, safe driver discounts, senior citizen discounts, good student discounts, vehicle safety discounts, multiple vehicle discounts, and multiple policy discounts.
In fact, Arkansas law requires a car insurance discount to drivers over the age of 55, if they successfully complete a state-approved accident prevention course.
According to recent consumer reports, Arkansas drivers tend to prefer
Other Arkansas drivers prefer smaller, local carriers. Arkansas has many dozen major and regional car insurance companies with offices throughout the state.
Just obtain a few free quotes online. Then call five local agents and compare quotes. Remember to ask about their discounts.
Following these simple steps can save you hundreds of dollars every year on the costs of car insurance.
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