Arkansas Car Insurance

The natural state of the United States is Arkansas. There are thousands of miles to be driven in this beautiful state where you can enjoy the scenery. Who doesn’t want a nice scenic drive on their daily commute to work? Or even driving through tree-covered roads in join the mountainsides, you can’t really enjoy this everywhere else but an Arkansas you can. And if you’re eager to get behind the wheel and enjoy this beautiful scenery we are urging you to shop for the right car insurance to make sure that you’re safe on the road.

 Before you get behind the wheel read below to find out the insurance coverages you need.

Required Coverages

In the state of Arkansas, there are some insurance coverages that are required and some that are optional. We’re going to go through quickly what the required coverages are and will be up to you to decide whether or not that’s sufficient for your driving.

  •  $25,000 bodily injury coverage per person
  •  $50,000 bodily injury coverage car accident
  •  $25,000 of property damage per accident

This is the bare minimum car insurance coverage that is required in Arkansas. It’s a type of liability insurance that’s there to pay out any damages if you’re responsible in an accident. If you’re in a position where you’re driving without car insurance there can be heavy fines and even driver license suspension.

Optional Coverages

Arkansas has a few optional coverages that we strongly advise you review. So here’s the list of the optional insurance coverage is available to you:

  • Comprehensive  insurance
  • Collision  insurance
  • gap insurance
  • roadside assistance
  • personal injury protection
  • underinsured and uninsured motorist coverage

Despite this coverage is being optional we highly recommend you ask your insurance company how these coverages can benefit you. 

For example, suppose you’re going hiking and you left your vehicle and a park position. And you come up to find that it has been damaged because another vehicle has hit it. In this situation is kind of unfortunate because they haven’t left a note and you don’t know exactly who did it see you contact your insurance company and let them know about the situation at hand and if you bought it in for collision insurance you’d be able to have your vehicle fixed under your insurance policy.


Finding the right insurance policy it’s quite easy. You kind of just shopping around ask your insurance agent for the right insurance coverages that you want. It’s that simple and straightforward, but if you’re looking for the best cheap auto insurance in Arkansas then that’s a different story. If you want to find out more and get a customized quote to what you need and also a very affordable and attractive price, definitely contact us here.

 We’ve compiled a list of all the insurance companies in Arkansas that could give you the best rate for your insurance coverage. You just have the final say. 

Average Cost of Insurance in Arkansas

Drivers in Arkansas pay less than the national average of $890.00. The current average of a driver in Arkansas is $736.43 a year. Prices of your insurance premium can vary based on the insurance company you go to as well as the weighing factors.