Whether you live in Little Rock, Fort Smith, Fayetteville, Springdale, and Jonesboro with so many companies offering Arkansas automobile insurance, how do you know what policy is right for you? Finding an affordable car insurance policy that fits your lifestyle can be a daunting task. We can help you decide how much coverage is right for you.
Arkansas Auto Insurance– Average Premiums
AutoInsuranceEZ.com provides approximate measures of the relative cost of Arkansas vehicle insurance to consumers. In terms of expenditures for automobile insurance, Arkansas ranks 38 out of all 50 states, with the estimated average auto insurance premiums of $653.
In Arkansas, the average liability coverage is $365, the average collision coverage costs $283, and the comprehensive coverage is $152 on average. Since not all drivers purchase all three coverages, the average cost of insurance does not equal the sum of collision, liability, and comprehensive expenses.
Arkansas Auto Insurance Laws and Requirements
Arkansas requires liability insurance, with minimum of $15,000 for injury liability, $30,000 for all injuries, and $10,000 in property damage. Uninsured/underinsured motorist coverage and no-fault insurance are not required in this state. Find cheap Arkansas car insurance coverage online.
|Bodily Injury Liability||25,000/50,000||25,000/50,000|
|Property Damage Liability||25,000||25,000|
|Uninsured Motorist Bodily Injury||Not required||25,000/50,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||100 deductible|
SR22 insurance in Arkansas
Drivers are required to file an SR-22 to reinstate a suspended driver license after a DUI, uninsured auto accident, or driving without insurance.
DUI Insurance in Arkansas
For the first DUI offense, you will receive up to a $1,500 fine, face a 6 months license suspension, and up to 1 year of imprisonment.
Driving in Arkansas
AR is not among 11 states which have passed laws specifically defining aggressive driving actions. The state bans all cell phone use by novice drivers (18-20 years old) and bans text messaging for all drivers. Effective 10/1/2011, Arkansas also bans the use of handheld cell phones while driving in a school zone or in a highway construction zone. This law is secondarily enforced. Below is a list of the key highway safety laws in this state.
Highway Safety Laws
|Aggressive Driving||No state law|
|Cell Phones and Texting Laws||18 – 20 years old|
|Inc. Penalty for High BAC||BAC 0.15|
|Admin. License Susp. on 1st Offense||6 months|
|Rural Interstate||70 mph|
|Urban Interstate||55 mph|
|Other Limited-Access||60 mph|
|Other Roads||55 mph|
Visit the Arkansas Department of Revenue – Motor Vehicle Division for information on obtaining your driver’s license, requirements for ID Cards, and vehicle registration.
The Official Website of the State of Arkansas
Additional Information on Arkansas Insurance
Arkansas Department of Insurance
How To Contact Directly:
Arkansas Insurance Dept.
Consumer Services Div.
1200 W. Third St.
Little Rock, AR 72201-1904
Toll Free: 1-800-282-9134
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