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Arkansas Car Insurance Calculator

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Arkansas Auto Insurance Estimate

Arkansas Car Insurance Calculator

Estimate your potential Arkansas car insurance cost based on your location, driver profile, vehicle, coverage preferences, and driving history.

By CarInsuranceEstimate.org Editorial Team

Informational content for Arkansas drivers researching car insurance costs, legal requirements, coverage options, and quote comparisons.

Created on July 12, 2026
Last updated on July 12, 2026

Arkansas Car Insurance Cost Guide

Arkansas car insurance costs can vary significantly between drivers, vehicles, locations, coverage selections, and insurance companies. Driving history, driver age and experience, annual mileage, vehicle characteristics, garaging location, liability limits, physical-damage deductibles, prior claims, prior insurance, household drivers, available discounts, and insurer-specific underwriting may affect the premium offered to an applicant.

The Arkansas Car Insurance Calculator above provides educational monthly, six-month, and annual estimates based on the selected coverage, driver, vehicle, mileage, and deductible categories. Understanding car insurance estimates and their limitations can help drivers interpret the result before requesting personalized pricing from an insurer or licensed producer.

The displayed result is an estimated range, not a guaranteed premium, offer of insurance, approval, or binding quote. Insurance companies use their own approved rates, underwriting standards, eligibility rules, discounts, policy forms, application information, and claims experience. CarInsuranceEstimate.org is an independent informational website and is not an insurance company, insurance agency, insurance producer, Arkansas Insurance Department office, Arkansas Department of Finance and Administration office, or other government agency.

Arkansas Minimum Car Insurance Requirements

Arkansas law generally prohibits a person from operating a motor vehicle unless both the vehicle and its operation are covered by an insurance policy issued by an authorized insurer or by a qualifying certificate of self-insurance. The minimum liability limits are commonly written as 25/50/25. [1]

Liability insurance may help pay qualifying bodily injury and property damage claims when an insured driver is legally responsible for an accident. The minimum limits establish a legal baseline rather than a personalized recommendation for every driver, vehicle, household, or financial situation.

$25,000

Bodily Injury per Person

This is the minimum liability amount available for covered bodily injury or death involving one person when an insured driver is legally responsible for an accident.

$50,000

Bodily Injury per Accident

This is the total minimum Bodily Injury Liability limit when two or more people are injured or killed in one covered accident, subject to the $25,000 per-person limit.

$25,000

Property Damage per Accident

Property Damage Liability may help pay for covered damage an insured driver causes to another vehicle, building, fence, equipment, sign, or other property.

First-party benefits: Qualifying Arkansas private-passenger automobile policies must provide specified medical and hospital, income-disability, and accidental-death benefits. The named insured may reject all or any one of these coverages in writing. [2] [3]
UM and UIM selections: Uninsured motorist bodily injury coverage generally must be included unless rejected in writing. Underinsured motorist coverage must be offered to eligible private-passenger applicants, but it may also be rejected in writing and cannot be issued unless UM coverage is selected.
Coverage reminder: Medical expenses, lost income, vehicle damage, legal expenses, and other losses from a serious accident can exceed Arkansas’s minimum liability limits. An at-fault driver may remain personally responsible for qualifying damages above the available policy limits.

Arkansas Minimum Coverage vs. Full Coverage

Arkansas minimum coverage is centered on liability insurance that satisfies the state’s 25/50/25 requirements. Depending on the policyholder’s written selections, the policy may also include or exclude statutory first-party benefits, uninsured motorist coverage, and underinsured motorist coverage.

Minimum liability coverage generally does not repair the policyholder’s own vehicle. Collision coverage commonly addresses covered crash damage, while comprehensive coverage commonly addresses covered non-collision losses such as theft, fire, vandalism, hail, flooding, broken glass, falling objects, or animal contact. A broader car insurance coverage guide can help drivers review the purpose of each protection before selecting limits and deductibles.

The phrase full coverage is informal and does not identify one standardized insurance product. It commonly describes a combination of liability, collision, and comprehensive coverage. First-party medical benefits, UM/UIM, rental reimbursement, roadside assistance, gap protection, custom-equipment coverage, and other endorsements may be included or selected separately.

Coverage level What the calculator models Important consideration
Arkansas minimum A lower-cost policy centered on at least $25,000/$50,000 in Bodily Injury Liability and $25,000 in Property Damage Liability. It generally does not include collision or comprehensive protection for physical damage to the insured vehicle.
Standard protection An editorial calculator category using Arkansas’s blended marketplace average as its starting point. “Standard protection” is a calculator category rather than a standardized policy package sold by every Arkansas insurer.
Full coverage A modeled combination of liability, collision, and comprehensive coverage. Actual limits, deductibles, exclusions, endorsements, covered drivers, and first-party benefits vary by policy.
Higher-limit full coverage Full coverage using a higher modeled liability and physical-damage cost baseline. This category produces a higher estimate because the model assumes broader financial protection than the other options.
Financed or leased vehicles: A lender or leasing company commonly requires collision and comprehensive coverage. A policy that satisfies Arkansas’s minimum legal requirements may not satisfy a loan or lease agreement.
Deductible reminder: A collision or comprehensive deductible represents the policyholder’s applicable share of a covered physical-damage claim. A higher deductible may reduce the premium but can increase the amount due after a covered loss.

What Affects Car Insurance Costs in Arkansas?

Arkansas premiums can reflect a combination of driver, vehicle, geographic, policy, and insurer-specific information. Insurance companies do not necessarily use identical rating variables, eligibility standards, discounts, or weighting methods.

Driving History

At-fault accidents, moving violations, serious convictions, licensing history, prior claims, and the amount of time since an incident may affect eligibility, discounts, and premium.

Driver Age and Experience

Younger and newly licensed drivers generally have less driving experience and may receive different pricing from drivers with longer, safer histories.

Annual Mileage and Vehicle Use

Annual mileage, commuting distance, pleasure use, business use, delivery activity, farm use, and rideshare driving may affect how an insurer evaluates exposure.

Vehicle Characteristics

Vehicle value, age, performance, theft exposure, safety technology, repair complexity, body type, and replacement-part costs may affect applicable coverage prices.

Garaging Location

Insurers may consider geographic differences involving traffic, theft, severe weather, animal collisions, claim frequency, medical costs, and vehicle repair expenses.

Coverage and Deductibles

Higher liability limits and broader coverage generally cost more. Higher physical-damage deductibles may reduce the premium while increasing the policyholder’s share of a covered claim.

Company differences: Two insurers can produce materially different premiums for the same driver and vehicle because each company uses its own approved rating plan, underwriting criteria, discounts, claims assumptions, and operating expenses.
Calculator limitation: The age, driving-record, mileage, vehicle, and deductible adjustments used by this calculator are simplified editorial assumptions. They are not insurer-filed Arkansas rates and do not reproduce any company’s exact underwriting or pricing formula.

How the Arkansas Car Insurance Calculator Works

The calculator uses May 2026 Arkansas marketplace data published by Experian as its primary cost reference. Experian reported average monthly costs of approximately $117 for minimum coverage, $158 across the Arkansas policies analyzed, and $213 for full coverage. [6]

1

Select a Coverage Baseline

The model begins at $117 for Arkansas minimum coverage, $158 for standard protection, $213 for full coverage, or $245 for higher-limit full coverage.

2

Apply Driver Factors

The selected age range and driving-record category apply simplified multipliers intended to illustrate possible differences between broad driver profiles.

3

Apply Vehicle and Usage Factors

Vehicle year, vehicle type, annual mileage, and deductible apply additional adjustments. The deductible selection does not reduce the minimum-liability baseline.

4

Display an Estimated Range

The adjusted monthly amount is rounded and displayed as a range approximately 10% below and 10% above the modeled value, followed by six-month and annual projections.

Source and modeling distinction: The $117 minimum-coverage figure, $158 blended statewide average, and $213 full-coverage figure are based on Experian’s May 2026 Arkansas marketplace data. The calculator uses $158 as its editorial standard-protection baseline. The $245 higher-limit figure and all adjustment multipliers are editorial assumptions. None is a guaranteed premium, approved statewide rate, or quote from a specific insurer.
ZIP-code limitation: The ZIP field validates Arkansas ZIP prefixes from 716 through 729 and also accepts the specific Texarkana ZIP code 75502. It does not calculate a Little Rock-, Fayetteville-, Fort Smith-, Springdale-, Jonesboro-, Bentonville-, county-, or neighborhood-specific premium.
Information not separately priced: The model does not independently calculate all household drivers, exact VIN information, prior insurance, complete claims history, credit-related insurance information, first-party benefit selections, UM/UIM limits, policy fees, installment charges, individual discounts, telematics results, or company-specific underwriting.
Minimum-coverage variation: Arkansas consumers may make different written selections involving first-party, uninsured motorist, and underinsured motorist coverage. Therefore, two policies described as “minimum coverage” may not contain identical protections.

Ways to Compare Arkansas Car Insurance Costs

Arkansas premiums can differ substantially between companies even when the same drivers and vehicles are involved. Reviewing car insurance provider information and reviews can help consumers consider licensing, policy features, service, and complaint information together with price.

Use Matching Liability Limits

A quote using Arkansas’s 25/50/25 minimum should not be compared as though it provides the same financial protection as a quote with substantially higher liability limits.

Compare the Same Deductibles

Confirm the collision and comprehensive deductibles. A lower premium may result from a higher out-of-pocket amount after a covered physical-damage claim.

Review First-Party Benefits

Determine whether medical, income-disability, and accidental-death benefits are included or have been rejected. Quotes with different selections do not provide equivalent protection.

Check UM/UIM Coverage

Confirm whether uninsured and underinsured motorist bodily injury coverage is included, rejected, or provided at different limits.

Verify the Policy Term and Fees

Determine whether the displayed amount represents a monthly installment, six-month term, or annual term and whether policy, installment, processing, or late-payment fees apply.

Comparison reminder: Use the same drivers, vehicles, garaging address, annual mileage, liability limits, physical-damage coverage, deductibles, first-party benefits, UM/UIM selections, optional endorsements, policy term, and effective date for every quote.

Arkansas First-Party Medical and Income Benefits

Arkansas private-passenger automobile liability policies generally must provide minimum first-party medical, income-disability, and accidental-death benefits. These benefits apply without regard to fault, but the named insured may reject all or any one of the statutory coverages in writing. [2] [3]

Up to $5,000 in Medical Benefits

The statutory minimum includes up to $5,000 per person for qualifying reasonable and necessary medical, hospital, nursing, dental, surgical, ambulance, funeral, and prosthetic expenses incurred within 24 months after the accident.

70% of Qualifying Lost Income

Income-disability benefits equal 70% of qualifying work-income loss, subject to an eight-day waiting period, a maximum of $140 per week, and a maximum benefit period of 52 weeks.

Essential Services for Non-Earners

A qualifying nonincome earner may receive reimbursement for reasonably incurred essential replacement services, subject to an eight-day waiting period, a maximum of $70 per week, and a 52-week limit.

$5,000 Accidental-Death Benefit

The minimum benefit includes $5,000 payable to the insured’s personal representative when a covered accident-related injury, sickness, or disease causes death within one year.

Who may be protected: The statute addresses the named insured, qualifying family members residing in the same household, passengers occupying the insured vehicle, and certain people outside another vehicle who are struck by the insured vehicle.
Written rejection can continue: After a qualifying rejection, the insurer or its affiliates generally are not required to notify the insured again about the availability of the rejected coverage in a renewal, reinstatement, substitute, amended, or replacement policy.
Do not assume the benefits remain included: Arkansas requires these protections to be provided unless rejected. Review the signed application, rejection forms, declarations page, and complete policy before relying on them.
Calculator limitation: The calculator does not independently add or subtract cost based on the acceptance, rejection, or limit of these first-party benefits.

Uninsured Motorist Coverage in Arkansas

Arkansas automobile liability policies generally must provide uninsured motorist bodily injury coverage with limits no lower than the statutory financial-responsibility limits unless a named insured rejects the coverage in writing. [4]

Uninsured Motorist Bodily Injury

UM coverage may help pay qualifying bodily injury, sickness, disease, or death damages when a legally responsible motorist does not have applicable liability insurance.

Written Rejection Is Permitted

A named insured may reject UM coverage in writing. The rejection generally continues until the insured withdraws it in writing.

Higher Limits Must Be Available

When an applicant purchases liability limits above the statutory minimum, the insurer must make UM limits available up to the purchased Bodily Injury Liability limits.

Vehicle Damage Is Different

UM bodily injury coverage should not be assumed to repair the insured vehicle. Collision or another applicable property-damage coverage may be needed.

Coverage-selection reminder: A low-priced liability quote may exclude UM coverage through a signed rejection. Compare both the premium and the protection available after an accident caused by an uninsured driver.

Underinsured Motorist Coverage in Arkansas

A qualifying Arkansas private-passenger policy must give the insured an opportunity to purchase underinsured motorist bodily injury coverage. The insured may reject the coverage in writing. UIM generally cannot be issued unless uninsured motorist coverage is also selected. [5]

When UIM May Apply

UIM may apply when an at-fault driver has bodily injury liability insurance but the available limits are lower than the qualifying bodily injury damages incurred by the insured.

Minimum Bodily Injury Limits

Purchased UIM coverage must be at least equal to Arkansas’s statutory minimum bodily injury limits of $25,000 per person and $50,000 per accident.

Coordinated With UM

Arkansas law coordinates UIM with uninsured motorist coverage. UIM is not available as a stand-alone selection without UM.

Settlement Notice May Matter

Policyholders considering a liability-limits settlement should review Arkansas’s written-notice procedure and the issued policy before releasing an at-fault driver.

UIM benefit limitation: UIM does not guarantee payment of every amount exceeding the at-fault driver’s insurance. Available benefits depend on qualifying damages, selected UIM limits, prior payments, exclusions, settlement procedures, and policy conditions.
Settlement procedure: Arkansas law provides a certified-mail notice procedure when a tentative liability-limits settlement has been reached. The UIM insurer generally has 30 days after receiving qualifying notice to preserve specified subrogation rights by advancing the tentative settlement amount.
Rejection may continue: After a qualifying written UIM rejection, the insurer or its affiliates generally are not required to repeat the offer in later renewals, reinstatements, substitutes, amendments, or replacement policies.

Comprehensive Coverage for Arkansas Weather and Animal Damage

Arkansas drivers may encounter hail, strong wind, tornado-related debris, flooding, falling branches, theft, vandalism, fire, broken glass, and animal contact. Minimum liability coverage generally does not pay to repair the policyholder’s vehicle after these types of losses.

Comprehensive coverage commonly addresses covered non-collision damage, subject to the selected deductible, exclusions, valuation provisions, and issued policy. Drivers should confirm whether special equipment, aftermarket parts, permanently installed electronics, or other vehicle modifications require additional coverage.

Hail and Wind

Comprehensive coverage may address covered hail, wind, falling objects, or storm-debris damage after the applicable deductible.

Animal Contact

Damage caused by striking a deer or another animal is commonly handled under comprehensive coverage rather than collision coverage, subject to the issued policy.

Flood and Rising Water

Covered flood or rising-water damage is generally associated with comprehensive coverage rather than liability or ordinary collision coverage.

Vehicle Value and Deductible

Consider the vehicle’s market value, potential repair costs, deductible, premium, and ability to replace the vehicle before removing physical-damage coverage.

Prevention reminder: Insurance does not replace reasonable precautions. Avoid driving through flooded roads, reduce speed where wildlife may be present, and move a vehicle to a protected location before severe weather when it is safe to do so.

Proof of Insurance and Electronic Verification in Arkansas

Arkansas drivers must be prepared to present current proof of insurance. A qualifying proof-of-insurance card or temporary proof may be shown in paper form or electronically on a cellular phone or another portable device. Arkansas also uses an online insurance-verification system. [1]

Keep Current Proof Available

Confirm that the card identifies the insurer, insured, policy, vehicle, and effective dates required for verification.

Electronic Proof Is Permitted

A qualifying electronic image may be displayed on a phone or other portable device when it shows the required information as clearly as a paper card.

Other Device Content Remains Separate

Presenting an insurance card electronically does not by itself authorize a search of unrelated content stored on the device.

A Quote Is Not Proof

A calculator result, quote, application, payment screen, or email invitation does not establish that coverage has been issued and is currently active.

Rebuttable presumption: Failure to present current proof at a traffic stop or an online-system result that does not show current coverage may create a rebuttable presumption that the vehicle or its operation is uninsured.
Effective-date reminder: An expired card or a document from a canceled policy does not prove current coverage. Confirm the policy number, insured vehicle, effective date, and payment status directly with the insurer or authorized producer.
Avoid coverage gaps: Allowing a policy to end before replacement coverage begins can create legal, registration, underwriting, and financial consequences. Confirm that the replacement policy begins before the prior policy ends.

What to Do After a Car Accident in Arkansas

After an accident, stop safely, check for injuries, request emergency assistance when needed, exchange accurate information, document the scene when safe, and notify the appropriate insurance company promptly.

Check for Injuries

Contact emergency services when someone is injured or the scene presents an immediate danger. Avoid moving an injured person unless necessary to prevent further harm.

Exchange Information

Collect names, contact details, driver-license information, license plates, vehicle details, registration information, insurance information, and witness details.

Document the Scene

When safe, photograph vehicle damage, roadway conditions, traffic controls, skid marks, debris, weather, nearby property, and the surrounding area.

Preserve Claim Records

Keep claim numbers, medical bills, repair estimates, photographs, towing records, rental invoices, receipts, and written correspondence.

Insurer notice is separate: Reporting an accident to law enforcement or Arkansas DFA does not automatically satisfy the notice requirements in an insurance policy. Contact the insurer promptly and cooperate with reasonable requests for statements, inspections, records, or other claim information.
Settlement reminder: Review a bodily injury release carefully before signing or accepting a final settlement. A broad release may prevent additional recovery even when treatment or expenses continue.

Arkansas SR-1 Accident Report Requirement

An Arkansas Safety Responsibility SR-1 report must generally be submitted within 30 days when an accident causes injury or death, or when damage to the property of any one person exceeds $1,000. The rule applies regardless of which driver appears to be at fault. [7]

Thirty-Day Filing Period

The required driver report should be completed and submitted within 30 days after a qualifying Arkansas accident.

Injury or Death Qualifies

An accident involving injury or death triggers the reporting requirement regardless of the amount of vehicle or property damage.

More Than $1,000 to One Person’s Property

The property-damage threshold applies when damage to the property of any one person exceeds $1,000.

The Driver Remains Responsible

The investigating officer’s report may provide useful information, but it is not filed with DFA as the driver’s required SR-1 report.

Incapacitated driver: When a driver is unable to report because of accident injuries and the vehicle has a different owner, the owner may be responsible for completing the report. [8]
Proof of financial responsibility: The SR-1 process is connected to separate financial-responsibility requirements. Drivers and vehicle owners should follow official DFA instructions and every deadline stated in notices received after the accident.

Financial Responsibility After an Arkansas Accident

Following a qualifying accident, Arkansas DFA may require the driver and owner to provide proof of insurance or satisfy another authorized financial-responsibility requirement. The absence of a traffic citation does not necessarily eliminate the possibility of civil responsibility. [7]

Proof of Active Insurance

An insurer may confirm that liability coverage meeting Arkansas requirements was active on the accident date.

Security Deposit

DFA may accept a security deposit calculated under applicable procedures when qualifying insurance proof is unavailable.

Release or Payment Agreement

A signed release, qualifying covenant not to sue, or accepted installment agreement may satisfy certain requirements when properly completed and submitted.

Hearing or Court Determination

Depending on the notice, a driver may request a hearing or submit a final civil court determination showing non-liability.

Hearing deadline: DFA states that a written request for a hearing concerning a security requirement or suspension must generally be received within 20 days after receipt of the applicable notice.
Follow each official notice: Different deadlines may apply to accident reporting, security requirements, hearing requests, insurance claims, and license or registration matters.

Fault and Comparative Fault in Arkansas

Arkansas uses a modified comparative-fault rule. A claimant may recover when the fault assigned to the claimant is less than the fault assigned to the party or combined parties from whom damages are sought. Any permitted recovery is reduced according to the claimant’s own percentage of fault. [9]

Lesser Degree of Fault

A claimant may be able to recover when the claimant’s fault is less than the fault assigned to the party or combined parties from whom recovery is sought.

Equal or Greater Fault

A claimant generally cannot recover when the claimant’s fault is equal to or greater than the fault assigned to the party or combined parties from whom damages are sought.

Damages May Be Reduced

When recovery is permitted, the award is reduced in proportion to the percentage of fault assigned to the claimant.

Evidence Influences Fault

Statements, photographs, traffic laws, police information, witness accounts, vehicle damage, and other evidence may affect a liability determination.

Percentage explanation: In a typical allocation in which all relevant fault totals 100%, this rule is often described as requiring the claimant to be less than 50% responsible. The statutory comparison should still be applied to the actual parties and facts involved.
Legal-information notice: Fault allocation and recoverable damages depend on the evidence, involved parties, policy terms, settlements, applicable law, and other circumstances. This section provides general information and is not legal advice.

Frequently Asked Questions About Arkansas Car Insurance

What are Arkansas’s minimum car insurance limits?

Arkansas requires at least $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people in one accident, and $25,000 for property damage. These limits are commonly written as 25/50/25. [1]

Are first-party medical benefits required in Arkansas?

Qualifying private-passenger automobile policies generally must provide statutory medical, income-disability, and accidental-death benefits. However, the named insured may reject all or any one of those coverages in writing. [2] [3]

How much medical coverage is provided under Arkansas’s statutory benefits?

The statutory minimum medical and hospital benefit is up to $5,000 per person for qualifying expenses incurred within 24 months after the accident, unless the coverage was properly rejected. [2]

Is uninsured motorist coverage required in Arkansas?

Arkansas automobile liability policies generally must provide UM bodily injury coverage, but a named insured may reject it in writing. Review the application and declarations page to confirm the actual selection. [4]

Is underinsured motorist coverage required in Arkansas?

Insurers must give eligible private-passenger applicants an opportunity to purchase UIM coverage. The insured may reject it in writing, and UIM generally cannot be issued unless UM coverage is also selected. [5]

Is full coverage required in Arkansas?

Arkansas law does not require a standardized full-coverage policy. A lender or leasing company may require collision and comprehensive coverage for a financed or leased vehicle.

Does Arkansas minimum coverage repair my own vehicle?

Minimum liability coverage generally does not repair the insured vehicle. Collision or comprehensive coverage may be needed, depending on the cause of damage and the issued policy.

Can I show proof of insurance on my phone in Arkansas?

Yes. Arkansas permits qualifying proof of insurance to be shown electronically on a cellular phone or another portable electronic device. [1]

When must I file an Arkansas SR-1 accident report?

An SR-1 generally must be submitted within 30 days when an accident results in injury, death, or damage exceeding $1,000 to the property of any one person. [7]

Does a police report replace the Arkansas SR-1?

No. Arkansas’s SR-1 instructions explain that investigating officers’ reports are not filed with DFA as the required driver report. The driver remains responsible for the applicable SR-1 filing. [8]

Does the calculator use my Arkansas ZIP code to determine an exact local rate?

No. The ZIP field confirms that the entry uses a supported Arkansas ZIP prefix or the specific 75502 exception. It does not apply a city-, county-, or neighborhood-specific premium.

Are the calculator’s Arkansas prices official insurance rates?

No. The $117 minimum-coverage, $158 blended-average, and $213 full-coverage figures use May 2026 Experian marketplace data. The $245 higher-limit category and all adjustment multipliers are editorial modeling assumptions rather than insurer-filed rates or guaranteed premiums. [6]

Can fault be divided between Arkansas drivers?

Yes. Arkansas uses modified comparative fault. A claimant may recover only when the claimant’s fault is less than the fault assigned to the party or combined parties from whom damages are sought. Any permitted recovery is reduced by the claimant’s percentage of fault. [9]

Policy reminder: Insurance prices, eligibility, limits, exclusions, deductibles, endorsements, discounts, claim requirements, and payment terms vary by insurer. Review the declarations page and complete issued policy before relying on coverage.

Use the Arkansas Estimate as a Starting Point

The Arkansas Car Insurance Calculator can help drivers explore how coverage level, driving record, age range, vehicle type, annual mileage, and deductible selections may affect a modeled insurance cost. It is most useful as an initial planning tool rather than proof that a particular policy, coverage package, or premium is available.

Before purchasing coverage, compare multiple personalized quotes using consistent information. Review liability limits, first-party medical and income benefits, UM/UIM coverage, collision and comprehensive deductibles, exclusions, endorsements, discounts, policy fees, payment terms, and effective dates. Confirm that the insurer and producer are authorized to conduct insurance business in Arkansas.

Final coverage reminder: Arkansas’s minimum liability limits may not be enough for every household. Consider vehicle value, household drivers, financial resources, medical costs, driving patterns, and the potential consequences of a serious at-fault accident when selecting coverage.

Compare Personalized Arkansas Quotes

Calculator results provide an educational benchmark, but available prices depend on a completed application and insurer underwriting. Continue to compare personalized car insurance quotes using accurate driver, vehicle, ZIP code, mileage, coverage, and deductible information.

References

  1. Arkansas Code § 27-22-104, Insurance Required, Minimum Coverage, and Electronic Proof. Source ↩
  2. Arkansas Code § 23-89-202, Required First-Party Automobile Coverage. Source ↩
  3. Arkansas Code § 23-89-203, Written Rejection of First-Party Coverage. Source ↩
  4. Arkansas Code § 23-89-403, Uninsured Motorist Bodily Injury Coverage. Source ↩
  5. Arkansas Code § 23-89-209, Underinsured Motorist Coverage. Source ↩
  6. Experian, Average Cost of Car Insurance in Arkansas. Source ↩
  7. Arkansas Department of Finance and Administration, Safety Responsibility and SR-1 Accident Reporting. Source ↩
  8. Arkansas Department of Finance and Administration, Arkansas Motor Vehicle Accident Report SR-1 Instructions. Source ↩
  9. Arkansas Code § 16-64-122, Comparative Fault. Source ↩