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Arkansas Car Insurance Guide (Cheap Rates + Best Companies)

Arkansas Statistics Summary 
Road MilesTotal in State: 102,595
Vehicle Miles Driven (in millions): 34,024
Driving DeathsSpeeding – 116
Drunk Driving – 140
VehiclesRegistered: 2,685,739
Total Stolen: 5,601
Population3,013,825
Most Popular VehicleSierra 1500
Average Premiums (Annual)Liability – $394.13
Collision – $321.80
Comprehensive – $190.41
Combined Premiums – $906.34
Percent of Motorists Uninsured16.6%
State Rank: 9th
Cheapest ProviderUSAA

What’s better than driving down the asphalt roads of Arkansas on a hot summer’s day? There’s nothing quite as captivating as diving into the Ozarks – certainly not searching for car insurance.

And yet, if you want to enjoy an adventure through Arkansas, you’ll need to wade through a plethora of car insurance options. The good news is that you don’t have to take on that challenge alone.

We’re here to help you muddle your way through the car insurance providers who offer coverage throughout Arkansas.

This is more than a guide to potential insurers, though.

We’ll make sure that you’re up to date on coverage and rates, state laws, and can’t-miss facts about the Natural State. You can even start comparing Arkansas car insurance rates today with our FREE online tool! All you have to do is enter your zip code to get started.

Ready to get started? Let’s go!

Table of Contents

– Arkansas Minimum Coverage

When you’re first exploring your car insurance options in Arkansas, you may find yourself overwhelmed. There’s no need to fret, though!

Let’s start out with a softball: minimum state insurance requirements.

Insurance RequiredMinimum Limits: 25/50/25
Bodily Injury Liability Coverage$25,000 per one person
$50,000 per accident
Property Damage Liability Coverage$25,000 minimum
Personal Injury Protection (optional)$5,000 minimum

First thing’s first: Arkansas is an “at-fault” state. What does that mean? Well, if you get in an accident, and you’re determined to be the driver “at-fault,” then you’ll be held responsible for any personal injuries or property damaged sustained.

That sounds a bit intimidating. In order to make accidents that are your fault more manageable, it’s smart to invest in liability coverage.

Liability insurance ensures that everyone involved in a car accident receives the compensation that they’re owed for any injuries they sustain or property that ends up damaged.

At a bare minimum, Arkansas requires these liability coverage amounts:

  • $25,000 – to cover the injury or death of a single person in a car accident where you’re found to be at-fault
  • $50,000 – to cover the injuries or deaths or more than one person in a car accident wherein you’re found to be at-fault
  • $25,000 – to cover the recovery or repair of any property that was damaged in an accident wherein you’re found to be at-fault

Note: these minimum rates cover other peoples’ injuries and property damage, not those sustained by the passengers in your car.

It’s also worth noting that Arkansas requires you to have at least $5,000 of no-fault insurance, or personal injury protection (PIP). This coverage will cover any medical bills that apply to you in the case of a wreck, regardless of who is to be found at-fault.

– Arkansas’s Forms of Financial Responsibility

If you are an Arkansas resident and you end up being involved in a car accident, you are required by law to fill out a Safety Responsibility SR-1 accident report.

Along with the report, you’ll be required to submit proof of insurance within 30 days of the accident – but only if the property damage sustained during the accident exceeds $1,000 or if a person is injured or has died.

As such, you’ll want to keep your insurance card in your glove box or in your wallet, even though the state of Arkansas does not require you to carry proof of insurance on you while driving a car.

You’ll also want to have a copy of an SR-1 on you in case of an accident. $1,000 can get eaten up pretty quickly when you get in a car accident, and it’s more than likely that you’ll have to fill out the required paperwork before the whole debacle is over.

– Premiums as a Percentage of Income

If you want to have coverage that exceeds the Arkansas state minimum, you’ll want to get the best deal you can on your coverage. Why? Well, let’s look at some statistics.

As of 2014, the reported annual per capita disposable personal income was reported to be $33,929.

This means that, in an average year, Arkansas residents only have $33,929 of disposable personal income (DPI), to spend after their incomes have been taxed.

Divide that number by 12 months, and you’ll find that Arkansas residents tend to have roughly $2,827 a month to spend on groceries, utilities, and car insurance.

How much does the average car insurance coverage package cost? In Arkansas, residents pay roughly $900 a year for car insurance coverage. That’s 2.7 percent of a person’s DPI.

So, if you’ve got a limited budget to work with, you will want to make sure that you’re getting the insurance package that’s right for your lifestyle.

– Core Coverage in Arkansas

Coverage Type:Annual Costs in 2015:
Liability$394.13
Collision$321.80
Comprehensive$190.41
Combined$906.34

The National Association of Insurance Commissioners has provided the above data, noting the average costs of the varying types of available coverage in Arkansas as of 2015.

These coverage options extend beyond the minimum insurance requirements stated by the state of Arkansas. That doesn’t mean, though, that you shouldn’t consider investing in them, especially given Arkansas’s “at-fault” status.

It should be noted that insurance rates in Arkansas noted in the above table are going to be much higher as of 2019 and beyond.

– Additional Liability as Compared Against the National Average

Another way to gauge the reliability of a certain type of coverage is to note its loss ratio. Loss ratios reveal the payout that providers offer for their claims.

You want to try and find liability coverage that has a fairly average loss ratio.

Loss ratios that are exceptionally high indicate that while a company is going to be willing to pay your claim, in case of an accident, they may also be at risk of going bankrupt.

Alternatively, companies with lower loss ratios are less likely to pay out on claims, meaning that your coverage may not be as comprehensive or active as you want it to be.

Loss Ratio201220132014
Medical Payments (Med Pay)84%78%69%
Uninsured/Underinsured Motorist68%69%68%

Med Pay and Uninsured or Underinsured Motorist coverage are not required in the state of Arkansas. This doesn’t mean, however, that you should automatically go without them.

As of 2015, Arkansas ranked 9th in the United States for uninsured or underinsured drivers.

What does that mean for you? Well, if you happen to get in an accident, you’re at risk of running into someone who doesn’t have the insurance to cover any expenses that may arise from the experience.

– Add-ons, Endorsements, and Riders

If you’re looking for other additions to your car insurance coverage, consider the following:

These options can be included as part of your car insurance coverage cheaply and without issue so long as you know what you’re looking for. Embrace the research process! It’ll serve you well in the long run while also saving you money.

– Male vs. Female Drivers in Arkansas

It’s a car driving myth that men are worse drivers than women. Even so, the myth has permeated the car insurance industry, and it’s said that men must pay higher car insurance rates than women drivers.

If you live in Arkansas, this myth will cost you money. However, age and carrier actually contribute to cost variance in policy than gender. Funny how that works, right?

So what happens when we combine these variables?

CompanyDemographicAverage Annual RateRank     
Travelers Home & Marine Ins CoSingle 17-year old male$20,822.431
Progressive NorthWesternSingle 17-year old male$13,373.522
Travelers Home & Marine Ins CoSingle 17-year old female$12,955.343
Allstate P&CSingle 17-year old male$12,699.624
Progressive NorthWesternSingle 17-year old female$11,868.055
Allstate P&CSingle 17-year old female$10,596.856
Farmers Ins CoSingle 17-year old male$10,046.957
Farmers Ins CoSingle 17-year old female$9,693.388
Safeco Ins Co of ILSingle 17-year old male$9,115.499
Safeco Ins Co of ILSingle 17-year old female$8,280.7010
Nationwide MutualSingle 17-year old male$8,114.0411
Geico GeneralSingle 17-year old male$6,607.8012
Geico GeneralSingle 17-year old female$6,588.6713
Nationwide MutualSingle 17-year old female$6,363.2114
State Farm Mutual AutoSingle 17-year old male$6,355.6315
State Farm Mutual AutoSingle 17-year old female$5,051.4616
USAASingle 17-year old male$4,407.4517
USAASingle 17-year old female$4,210.0318
Progressive NorthWesternSingle 25-year old male$3,645.7019
Allstate P&CSingle 25-year old male$3,487.3020
Progressive NorthWesternSingle 25-year old female$3,372.7621
Nationwide MutualSingle 25-year old male$3,244.8122
Allstate P&CSingle 25-year old female$3,211.8623
Nationwide MutualSingle 25-year old female$3,008.1424
Allstate P&CMarried 35-year old male$2,928.7425
Allstate P&CMarried 35-year old female$2,908.0026
Progressive NorthWesternMarried 35-year old female$2,820.7127
Farmers Ins CoSingle 25-year old male$2,797.5028
Allstate P&CMarried 60-year old male$2,774.3929
Travelers Home & Marine Ins CoSingle 25-year old male$2,746.5030
Nationwide MutualMarried 35-year old male$2,679.9831
Progressive NorthWesternMarried 35-year old male$2,675.0732
Farmers Ins CoSingle 25-year old female$2,654.2233
Nationwide MutualMarried 35-year old female$2,629.0434
Safeco Ins Co of ILSingle 25-year old male$2,626.0435
Allstate P&CMarried 60-year old female$2,593.4936
Geico GeneralMarried 35-year old female$2,536.4337
Geico GeneralSingle 25-year old male$2,527.6938
Safeco Ins Co of ILSingle 25-year old female$2,511.1839
Geico GeneralMarried 35-year old male$2,508.7840
Nationwide MutualMarried 60-year old male$2,495.0841
Geico GeneralSingle 25-year old female$2,492.7242
Safeco Ins Co of ILMarried 35-year old male$2,488.4443
Safeco Ins Co of ILMarried 60-year old male$2,477.3944
Progressive NorthWesternMarried 60-year old male$2,422.9145
Travelers Home & Marine Ins CoSingle 25-year old female$2,377.5446
Nationwide MutualMarried 60-year old female$2,359.9747
Geico GeneralMarried 60-year old female$2,340.1548
Safeco Ins Co of ILMarried 35-year old female$2,324.1249
Progressive NorthWesternMarried 60-year old female$2,318.0350
Farmers Ins CoMarried 35-year old female$2,316.8251
Farmers Ins CoMarried 35-year old male$2,306.4452
Geico GeneralMarried 60-year old male$2,274.7653
State Farm Mutual AutoSingle 25-year old male$2,268.2354
Travelers Home & Marine Ins CoMarried 35-year old male$2,265.2555
Travelers Home & Marine Ins CoMarried 35-year old female$2,222.9056
Safeco Ins Co of ILMarried 60-year old female$2,220.4757
Travelers Home & Marine Ins CoMarried 60-year old male$2,201.7258
Travelers Home & Marine Ins CoMarried 60-year old female$2,194.9659
CompanyDemographicAverage Annual RateRank
Travelers Home & Marine Ins CoSingle 17-year old male$20,822.431
Progressive NorthWesternSingle 17-year old male$13,373.522
Travelers Home & Marine Ins CoSingle 17-year old female$12,955.343
Allstate P&CSingle 17-year old male$12,699.624
Progressive NorthWesternSingle 17-year old female$11,868.055
Allstate P&CSingle 17-year old female$10,596.856
Farmers Ins CoSingle 17-year old male$10,046.957
Farmers Ins CoSingle 17-year old female$9,693.388
Safeco Ins Co of ILSingle 17-year old male$9,115.499
Safeco Ins Co of ILSingle 17-year old female$8,280.7010
Nationwide MutualSingle 17-year old male$8,114.0411
Geico GeneralSingle 17-year old male$6,607.8012
Geico GeneralSingle 17-year old female$6,588.6713
Nationwide MutualSingle 17-year old female$6,363.2114
State Farm Mutual AutoSingle 17-year old male$6,355.6315
State Farm Mutual AutoSingle 17-year old female$5,051.4616
USAASingle 17-year old male$4,407.4517
USAASingle 17-year old female$4,210.0318
Progressive NorthWesternSingle 25-year old male$3,645.7019
Allstate P&CSingle 25-year old male$3,487.3020
Progressive NorthWesternSingle 25-year old female$3,372.7621
Nationwide MutualSingle 25-year old male$3,244.8122
Allstate P&CSingle 25-year old female$3,211.8623
Nationwide MutualSingle 25-year old female$3,008.1424
Allstate P&CMarried 35-year old male$2,928.7425
Allstate P&CMarried 35-year old female$2,908.0026
Progressive NorthWesternMarried 35-year old female$2,820.7127
Farmers Ins CoSingle 25-year old male$2,797.5028
Allstate P&CMarried 60-year old male$2,774.3929
Travelers Home & Marine Ins CoSingle 25-year old male$2,746.5030
Nationwide MutualMarried 35-year old male$2,679.9831
Progressive NorthWesternMarried 35-year old male$2,675.0732
Farmers Ins CoSingle 25-year old female$2,654.2233
Nationwide MutualMarried 35-year old female$2,629.0434
Safeco Ins Co of ILSingle 25-year old male$2,626.0435
Allstate P&CMarried 60-year old female$2,593.4936
Geico GeneralMarried 35-year old female$2,536.4337
Geico GeneralSingle 25-year old male$2,527.6938
Safeco Ins Co of ILSingle 25-year old female$2,511.1839
Geico GeneralMarried 35-year old male$2,508.7840
Nationwide MutualMarried 60-year old male$2,495.0841
Geico GeneralSingle 25-year old female$2,492.7242
Safeco Ins Co of ILMarried 35-year old male$2,488.4443
Safeco Ins Co of ILMarried 60-year old male$2,477.3944
Progressive NorthWesternMarried 60-year old male$2,422.9145
Travelers Home & Marine Ins CoSingle 25-year old female$2,377.5446
Nationwide MutualMarried 60-year old female$2,359.9747
Geico GeneralMarried 60-year old female$2,340.1548
Safeco Ins Co of ILMarried 35-year old female$2,324.1249
Progressive NorthWesternMarried 60-year old female$2,318.0350
Farmers Ins CoMarried 35-year old female$2,316.8251
Farmers Ins CoMarried 35-year old male$2,306.4452
Geico GeneralMarried 60-year old male$2,274.7653
State Farm Mutual AutoSingle 25-year old male$2,268.2354
Travelers Home & Marine Ins CoMarried 35-year old male$2,265.2555
Travelers Home & Marine Ins CoMarried 35-year old female$2,222.9056
Safeco Ins Co of ILMarried 60-year old female$2,220.4757
Travelers Home & Marine Ins CoMarried 60-year old male$2,201.7258
Travelers Home & Marine Ins CoMarried 60-year old female$2,194.9659

As you can see, younger drivers are charged more for their coverage than older drivers, regardless of gender. However, the difference between these costs will varying dramatically based on the carrier with which a driver has her policy.

– Arkansas Zip Codes

Likewise, the county in which you live in Arkansas will influence your average carrier rate. More urban areas are likely to have higher insurance rates than rural areas – but then again, this isn’t always the case.

Whether you’re a new resident or an old hat, take a look and see how the average insurance rate in your area vary from those in cities like Little Rock.

Highest Average Rate by Zip Code Lowest Average Rate by Zip Code 
72202$4,957.1572626$3,675.93
72204$4,910.6872687$3,701.73
72201$4,910.2872634$3,706.66
72209$4,824.2572761$3,714.85
72206$4,813.8472619$3,719.26
72332$4,759.2972941$3,727.89
72205$4,748.9172768$3,730.83
72114$4,747.3872745$3,732.84
72342$4,725.9972653$3,733.80
72390$4,698.7572635$3,737.78
72169$4,681.8172633$3,740.11
72227$4,667.2672719$3,740.12
72355$4,660.2572658$3,744.24
71759$4,632.6572951$3,746.65
72210$4,617.7772642$3,750.39
72369$4,603.8272840$3,752.32
71823$4,602.5672758$3,753.45
72312$4,594.1072712$3,756.99
72322$4,591.5172747$3,760.25
72211$4,574.1272601$3,760.28
72374$4,570.5172661$3,760.68
72366$4,559.1972832$3,761.40
72135$4,559.0972820$3,763.31
72462$4,558.6672644$3,764.03
72383$4,554.5872830$3,764.38
72037$4,554.5272839$3,766.14
72223$4,533.1072943$3,766.31
72212$4,518.9872733$3,768.92
72207$4,514.4672903$3,772.41
72328$4,508.8372735$3,773.59
72360$4,494.4672937$3,775.02
71646$4,493.8772949$3,775.82
72367$4,492.8172734$3,777.59
72333$4,478.2272821$3,778.37
71601$4,473.7272636$3,778.47
72065$4,472.7472801$3,779.21
72103$4,467.0472651$3,786.15
72180$4,442.8672936$3,788.31
71675$4,442.8572682$3,788.34
71635$4,441.8072847$3,788.68
72118$4,441.3372715$3,790.40
71603$4,440.9872722$3,792.36
72389$4,440.6172729$3,792.99
71663$4,437.3972908$3,793.25
72132$4,435.0472732$3,793.96
72113$4,433.5072742$3,794.09
71654$4,432.2772714$3,794.62
72376$4,431.2172615$3,794.88
71667$4,425.0872923$3,798.08
72142$4,416.8872959$3,803.91
71666$4,415.5672769$3,804.01
71676$4,412.4372744$3,805.26
72183$4,409.4672756$3,805.92
72348$4,406.9372855$3,805.98
72311$4,402.1672631$3,810.69
72320$4,401.9172751$3,810.74
72341$4,400.5272749$3,811.51
71678$4,397.3172537$3,813.14
71956$4,383.5872672$3,815.53
71658$4,383.4472675$3,815.59
71630$4,382.0472753$3,816.07
71674$4,381.2372752$3,817.02
71661$4,376.7972916$3,817.20
72164$4,376.4072739$3,820.14
71659$4,374.6672865$3,820.19
71968$4,371.5672685$3,820.75
72133$4,371.0572773$3,821.96
72368$4,369.6072764$3,823.90
72011$4,362.2172736$3,825.09
71964$4,362.0772704$3,825.45
71677$4,360.0472933$3,828.13
72117$4,359.4572774$3,828.56
71640$4,358.3872854$3,828.88
71653$4,352.0572823$3,828.93
71639$4,351.5372762$3,829.02
71913$4,347.8372617$3,829.04
71655$4,344.2672616$3,829.30
71643$4,340.3072666$3,829.81
72122$4,338.1472718$3,833.38
71901$4,337.6572659$3,835.29
72022$4,335.5572930$3,835.64
71602$4,333.7072927$3,837.27
72129$4,332.5372852$3,838.35
71671$4,330.6872737$3,838.46
71642$4,330.4972837$3,838.64
72339$4,329.5372835$3,840.28
72379$4,326.4672624$3,840.63
71929$4,324.8272904$3,841.68
72002$4,324.6872628$3,842.72
72384$4,323.4772863$3,842.80
71949$4,319.6772901$3,843.14
72120$4,318.3772727$3,843.47
71662$4,316.9572717$3,844.04
71652$4,311.8772845$3,844.41
72128$4,311.6872802$3,845.20
72364$4,310.9172858$3,847.39
72550$4,308.9972938$3,850.23
72327$4,303.3272668$3,850.55
71854$4,302.6372544$3,855.55
72087$4,300.4272843$3,855.82
71837$4,299.1372660$3,856.90
71826$4,297.9772856$3,858.60
71748$4,295.7972662$3,861.27
72152$4,290.9772928$3,861.77
72079$4,290.2072932$3,862.21
71644$4,289.8672738$3,863.57
71670$4,289.5372640$3,870.89
72373$4,286.7272703$3,874.93
72340$4,285.5972956$3,876.27
72301$4,284.6172632$3,878.35
72168$4,279.8072721$3,879.99
71660$4,276.8672921$3,882.75
71747$4,276.6572701$3,883.42
72116$4,276.1172940$3,884.38
72015$4,275.5172669$3,885.12
71933$4,271.3272740$3,886.97
71943$4,271.1672842$3,889.58
72353$4,270.9972730$3,890.25
71638$4,269.2172679$3,890.86
72019$4,268.8972846$3,893.18
72377$4,266.8172611$3,893.59
72331$4,264.9572683$3,895.67
72352$4,263.4172686$3,896.04
71909$4,262.1772655$3,903.55
72329$4,261.4072641$3,905.27
72568$4,260.6272650$3,905.47
72105$4,260.5772623$3,909.73
72527$4,260.3372638$3,912.51
72396$4,258.8472776$3,918.25
71631$4,258.4772945$3,918.96
72346$4,257.4272648$3,921.34
71647$4,257.0272934$3,925.17
72046$4,256.4272851$3,926.14
72076$4,255.8672946$3,929.74
71651$4,254.7872947$3,931.69
72472$4,254.2172034$3,937.61
71952$4,252.8672110$3,940.34
71935$4,250.8872958$3,943.41
71845$4,247.1972760$3,946.03
72175$4,241.2871945$3,947.54
71921$4,240.7472032$3,951.48
72150$4,240.4271953$3,955.98
72072$4,236.0972070$3,956.09
72004$4,235.4072952$3,956.38
71765$4,235.2772001$3,957.08
72391$4,230.9272454$3,962.19
72167$4,230.0672080$3,964.23
71861$4,229.1772045$3,968.01
72529$4,226.6872415$3,968.65
71665$4,224.7372834$3,969.59
71750$4,224.3072955$3,970.21
71950$4,224.1872063$3,974.36
71749$4,221.9172944$3,975.03
72566$4,221.4171937$3,975.95
72387$4,220.1272434$3,976.25
72677$4,219.6972125$3,980.21
72084$4,218.2772160$3,981.55
72386$4,214.8872035$3,981.80
71834$4,212.7472141$3,982.05
72099$4,212.4172060$3,983.23
71940$4,211.9072670$3,983.66
72350$4,211.0472460$3,985.96
72556$4,210.3772003$3,989.59
71762$4,210.0972315$3,991.65
72534$4,209.8272948$3,992.81
71959$4,208.2472833$3,993.79
71971$4,207.1572181$3,994.77
71840$4,206.9872170$3,996.48
72069$4,205.5972370$3,996.61
71853$4,203.8772426$3,997.00
72016$4,201.3271973$3,998.59
71770$4,199.9972433$4,000.00
72313$4,199.1572088$4,002.60
72338$4,199.1572156$4,005.88
72513$4,198.0572012$4,006.27
71965$4,195.5972824$4,007.32
72123$4,194.7772438$4,008.51
72561$4,194.1972629$4,009.96
72470$4,193.8372419$4,010.65
72395$4,193.0772017$4,011.75
71831$4,192.8572157$4,012.83
72567$4,192.7672442$4,013.02
71764$4,190.6672149$4,013.44
71724$4,190.5172657$4,013.94
72467$4,190.4372853$4,015.16
72530$4,189.9472068$4,016.31
71860$4,189.0672042$4,018.57
72577$4,188.2372461$4,018.76
71839$4,187.3872445$4,019.14
72432$4,186.6872950$4,019.82
71725$4,186.2172841$4,020.76
71758$4,185.8872153$4,021.57
71832$4,185.6872059$4,021.90
72501$4,185.6872531$4,023.62
72523$4,185.6072476$4,024.13
71842$4,185.3572041$4,024.90
72365$4,184.6072121$4,024.93
71958$4,184.6072926$4,026.54
72569$4,184.4672064$4,026.55
72166$4,183.9672639$4,027.03
72104$4,183.4672578$4,027.33
71753$4,182.6072029$4,029.70
72140$4,180.8772437$4,029.71
71742$4,178.4872458$4,030.37
71730$4,178.4772083$4,030.58
72126$4,177.8972827$4,032.91
72521$4,177.6172027$4,033.28
72057$4,176.8771944$4,033.79
71957$4,176.6272471$4,034.86
71969$4,176.0672473$4,037.03
71923$4,174.5672134$4,037.85
72422$4,173.8072102$4,040.32
72325$4,172.6472838$4,044.67
72321$4,171.8472330$4,047.96
72101$4,171.3172524$4,048.63
72526$4,171.1772130$4,049.19
71961$4,171.1372455$4,051.89
72579$4,171.1171972$4,051.95
71836$4,170.5772082$4,053.36
71833$4,169.4472061$4,053.82
72517$4,168.4371857$4,055.81
72392$4,168.4172058$4,057.14
72394$4,168.2372358$4,057.43
72048$4,167.6072447$4,058.14
71970$4,167.5172410$4,058.32
71922$4,167.3972431$4,059.56
72522$4,166.3172428$4,061.12
72542$4,165.3772075$4,061.31
72540$4,165.2872565$4,061.66
71960$4,164.4972546$4,062.02
71941$4,162.7172519$4,062.33
71820$4,160.9672026$4,062.53
72039$4,160.2672044$4,063.60
71847$4,158.3372013$4,064.16
72179$4,158.2072178$4,064.71
72023$4,157.5372031$4,064.91
72429$4,154.8672107$4,065.41
72335$4,153.8872351$4,066.53
71744$4,153.2172857$4,066.85
71801$4,152.3971722$4,067.73
72137$4,151.7172020$4,067.74
72572$4,151.6072538$4,068.32
71862$4,149.9272520$4,069.16
72475$4,149.9172047$4,069.46
72441$4,148.5172465$4,070.35
72131$4,147.9272413$4,070.60
71825$4,147.1272310$4,070.80
71751$4,146.6272560$4,071.01
71962$4,146.6172414$4,073.09
72584$4,146.1572474$4,074.34
72562$4,145.6772680$4,074.39
72571$4,143.8372112$4,074.50
72165$4,142.8772010$4,077.27
72066$4,142.0272543$4,078.00
72421$4,140.0972006$4,078.23
72424$4,139.9972176$4,079.23
72469$4,139.7272055$4,079.64
72417$4,139.6471721$4,082.83
72074$4,139.5272581$4,083.46
71859$4,139.3972576$4,085.37
72372$4,138.8972040$4,086.07
72324$4,138.8272404$4,086.26
72052$4,138.3672127$4,087.64
71745$4,138.2671858$4,088.10
72425$4,138.2472663$4,088.11
72478$4,136.3972536$4,088.67
72051$4,135.8372073$4,088.75
72347$4,134.8972512$4,089.98
72007$4,134.1072587$4,090.11
72024$4,133.6371772$4,091.54
71999$4,132.5472025$4,091.83
71740$4,132.3572111$4,092.60
72326$4,132.1672440$4,093.60
71838$4,131.0672354$4,094.01
72573$4,130.2072436$4,094.57
71835$4,129.6672143$4,095.71
71822$4,128.5171851$4,096.05
72435$4,128.0772430$4,096.77
72401$4,128.0172555$4,097.05
71841$4,127.7771720$4,097.81
71942$4,127.1672450$4,098.11
72021$4,125.6671743$4,098.90
72136$4,125.5472457$4,099.55
72585$4,125.4572036$4,099.70
71846$4,125.3472038$4,099.73
72139$4,125.0772030$4,099.78
71766$4,124.9972412$4,100.53
71763$4,124.9871852$4,101.58
71866$4,124.1672539$4,101.73
71726$4,123.7372533$4,102.16
72528$4,122.6372449$4,102.24
72860$4,122.4671701$4,102.55
72479$4,122.1672453$4,102.70
72182$4,121.6172086$4,103.61
71932$4,121.3272416$4,103.63
72411$4,121.2472444$4,103.75
72464$4,120.1572173$4,103.85
71920$4,118.4572081$4,103.88
72067$4,117.8272482$4,104.47
72085$4,117.7271998$4,105.14
71828$4,117.5272459$4,105.16
71827$4,117.0672005$4,105.59
72014$4,116.0872828$4,107.19
72515$4,115.3871855$4,107.57
71752$4,115.3372456$4,108.16
72645$4,113.8072583$4,108.27
72564$4,113.1972554$4,108.73
71728$4,112.9172443$4,110.26
72106$4,111.7172466$4,110.68
71865$4,111.5471864$4,110.98
72532$4,111.44

– Most Expensive and Least Expensive Carrier Rates by City

To put a finer point on it: the cost of your insurance will vary depending on where you’re located. As the table below will show you, location-location-location matters a lot when you’re working out your car insurance budget.

25 Most Expensive Cities 25 Least Expensive Cities 
ASHDOWN$4,957.15UNIONTOWN$3,675.93
KNOBEL$4,910.68EUREKA SPRINGS$3,701.73
EMMET$4,910.28ADONA$3,706.66
BRINKLEY$4,824.25SPRINGDALE$3,714.85
GILLHAM$4,813.84COVE$3,719.26
MC NEIL$4,759.29LAKEVIEW$3,727.89
JONESBORO$4,748.91WEST FORK$3,730.83
CHARLOTTE$4,747.38GREENLAND$3,732.84
WILLISVILLE$4,725.99CHESTER$3,733.80
BEARDEN$4,698.75RUDY$3,737.78
DELAPLAINE$4,681.81PIGGOTT$3,740.11
THORNTON$4,667.26OAK GROVE$3,740.12
RAVENDEN$4,660.25WITTER$3,744.24
YORKTOWN$4,632.65LAVACA$3,746.65
ROMANCE$4,617.77WALDRON$3,750.39
PEACH ORCHARD$4,603.82SUMMERS$3,752.32
BAUXITE$4,602.56BERRYVILLE$3,753.45
DOLPH$4,594.10HINDSVILLE$3,756.99
BAY$4,591.51OARK$3,760.25
WIDEMAN$4,574.12SCOTLAND$3,760.28
GLENCOE$4,570.51MARSHALL$3,760.68
MAYNARD$4,559.19GAMALIEL$3,761.40
MC DOUGAL$4,559.09SUBIACO$3,763.31
OXFORD$4,558.66MORRILTON$3,764.03
CROCKETTS BLUFF$4,554.58PYATT$3,764.38

Arkansas Car Insurance Companies

So, we have some good news, and we have some bad news. The good news is that there are dozens upon dozens of car insurance providers for you to pick a plan within this day and age.

The bad news is that there are dozens upon dozens of car insurance providers for you to pick a plan within this day and age.

Comparing car insurance rates isn’t easy. That’s why you’ve got us, though!

Let’s explore Arkansas’s largest car insurance companies, their ratings, and the way their plans stack up when compared to one another.

– The Largest Arkansas Companies’ Financial Rating

Let’s start with an overview. AM Best awards Arkansas’s insurance providers financial ratings in order to let potential consumers know how they stack up in terms of loss ratio, market share, and direct premium composition.

The higher the AM Best rating, the more likely that the car insurance provider is a reliable one.

ProvidersAM RatingDirect Premiums WrittenMarket ShareLoss Ratio
State Farm GroupA19566.99%25.69%
Southern Farm Bureau Casualty GroupA+79269.46%12.78%
Shelter Insurance GroupA42467.43%8.60%
Allstate Insurance GroupA+05347.21%7.24%
Progressive GroupA+85558.71%7.18%
GeicoA++94070.69%5.65%
USAA GroupNR07173.14%4.73%
Liberty Mutual GroupA24561.30%4.12%
Farmers Insurance GroupNR77652.42%4.10%
Nationwide Corp GroupA+50651.80%2.95%

– Companies with Best Ratings

Customer ratings also go far in determining a car insurance provider’s reputation. JD Power ranks the car insurance companies in Arkansas against one another in terms of customer rating, as displayed below.

We can go even further, though, and dive into the nitty-gritty of customer car insurance comparisons.

– Companies with the Most Complaints in Arkansas

While complaints aren’t always the best meter on which to measure the reliability of a car insurance provider, they do offer insight into the way a company will treat those people it represents.

CompanyDirect Written PremiumsComplaint Index
Columbia Insurance Group$11,471,6860
Cornerstone$6,669,1150
Esurance$5,691,8300
MetLife$14,463,7570.2562
Auto-Owners$10,892,4190.3402
Southern Farm Bureau$206,211,1660.4312
Nationwide$61,851,3290.4792
ANPAC$7,675,9880.4827
State Farm$375,631,8480.503
Cincinnati Ins Co$6,993,2520.5298
Shelter$125,866,9660.5593
AAA / Automobile Club$26,115,5980.5675
Liberty Mutual$11,136,7250.6654
Travelers$26,897,5230.6887
Allstate$109,194,7320.7804
Safeco$33,813,2100.9862
USAA$67,525,8831.0425
Fairfax / American Underwriters$10,462,8061.0624
State Auto$19,414,8471.145
Hartford$24,437,3241.2129
Progressive$93,506,2501.2283
Farmers$78,015,3671.4722
Geico$81,792,5291.4949
21st Century$8,493,6672.1811
Dairyland$6,473,6242.8617
Imperial Fire & Casualty$6,296,5102.9422
Hanover$14,669,0563.0309
Direct General$11,892,5843.427
Alfa$26,366,4354.0752
United Automobile$5,921,76111.8878

Car insurance providers with ratings on the higher side of the complaint index have had more negative interactions with their audience than those with lower scores, as you might expect.

– Arkansas Car Insurance Rates by Company

Rates also contribute to the reputation that a car insurance provider develops. We know that when you’re looking for a provider, you want to get the best deal possible. Take a look at the top carrier in the Natural State and see what your options as a resident look like.

CompanyAverageCompared to State AveragePercentage Over/Under State Average
Allstate P&C$5,150.03$1,038.33+20.16%
Farmers Ins Co$4,257.88$146.18+3.43%
Geico General$3,484.63-$627.07-18.00%
Safeco Ins Co of IL$4,005.48-$106.22-2.65%
Nationwide Mutual$3,861.78-$249.92-6.47%
Progressive NorthWestern$5,312.09$1,200.39+22.60%
State Farm Mutual Auto$2,789.02-$1,322.68-47.42%
Travelers Home & Marine Ins Co$5,973.33$1,861.63+31.17%
USAA$2,171.05-$1,940.65-89.39%

– Commute Rates

Sometimes a carrier will vary their rates based on the amount of time you spend commuting or traveling around the country. The more time you spend on the road, the more likely it is that you’ll have a higher insurance rate.

Group10 miles commute/6,000 annual mileage25 miles commute/12,000 annual mileage
Travelers$5,973.33$5,973.33
Progressive$5,312.09$5,312.09
Allstate$5,150.03$5,150.03
Farmers$4,257.87$4,257.87
Liberty Mutual$4,005.48$4,005.48
Nationwide$3,861.78$3,861.78
Geico$3,461.03$3,508.22
State Farm$2,721.97$2,856.08
USAA$2,109.20$2,232.91

As you can see, the monetary difference between drivers with longer commutes and shorter commutes varies per provider. The difference tends to stick between $100, but some companies, like Liberty Mutual, have no difference in rate at all in terms of commute.

– Coverage Level Rates

Likewise, the amount of coverage you sign for will change the rate which a company charges you. Consider the following:

CompanyHigh Coverage LevelMedium Coverage LevelLow Coverage Level
Allstate$5,296.98$5,146.99$5,006.12
Farmers$4,509.37$4,214.22$4,050.03
Geico$3,628.49$3,483.6$3,341.79
Liberty Mutual$4,170.01$3,977.85$3,868.57
Nationwide$3,915.62$3,783.13$3,886.6
Progressive$5,831.14$5,221.81$4,883.32
State Farm$2,927.56$2,786.42$2,653.1
Travelers$6,245.09$5,989.75$5,685.15
USAA$2,268.89$2,163.34$2,080.93

As you’d expect, the less coverage you have, the lower your rate will be. However, keep in mind that not having enough coverage can cost you serious money in the long run.

– Credit History Rates

Your credit history’s impact on your insurance rate can be seen in the amount you pay your provider on an annual basis. Poor credit is likely to result in a significantly higher rate than good credit.

CompanyAnnual Rate Poor CreditAnnual Rate Fair CreditAnnual Rate Good Credit
Allstate$6,472.14$4,957.59$4,020.37
Farmers$4,845.12$4,060.17$3,868.33
Geico$4,174.77$3,431.81$2,847.29
Liberty Mutual$5,786.43$3,493.43$2,736.58
Nationwide$4,566.24$3,673.03$3,346.08
Progressive$6,026.44$5,135.36$4,774.48
State Farm$4,040.73$2,432.50$1,893.84
Travelers$6,854.36$5,719.88$5,345.75
USAA$2,875.86$1,963.67$1,673.63

On average, Arkansas residents have a credit score of 657. Your credit score will rely entirely on how you use your credit card or how you choose to pay back any loans you may have taken out.

Do what you can to stay on top of your credit, and you’ll see your efforts rewarded with an improved annual car insurance rate.

– Driving Record Rates

In a similar vein, your history as a driver will impact the rate you’re offered from an insurance provider.

CompanyClean Driving RecordOne Speeding CitationOne AccidentOne DUI
Allstate$4,247.65$5,074.04$5,344.99$5,933.45
Farmers$3,599.68$4,315.87$4,611.04$4,504.91
Geico$2,361.95$2,541.89$3,625.74$5,408.92
Liberty Mutual$2,728.95$3,668.24$4,435.22$5,189.50
Nationwide$3,003.05$3,306.76$3,881.91$5,255.42
Progressive$4,579.61$5,496.11$6,359.88$4,812.78
State Farm$2,561.18$2,789.02$3,016.88$2,789.02
Travelers$5,005.97$6,145.34$5,171.93$7,570.08
USAA$1,667.81$1,850.74$2,115.02$3,050.64

We’ve touched on the differences between a high-risk driver and a general driver. It’s worth noting, though, that higher-risk drivers can pay up to nearly $2,500 more on their premiums than a driver with a clean record.

That’s enough to make driving a little more cautiously worth it, don’t you think?

– Largest Car Insurance Companies in Arkansas

With all of that in mind, which car insurance companies have the most presence in Arkansas?

Company DirectPremiums WrittenLoss RatioMarket Share
State Farm Group$500,19566.99%25.69%
Southern Farm Bureau Casualty Group$248,79269.46%12.78%
Shelter Insurance Group$167,42467.43%8.60%
Allstate Insurance Group$141,05347.21%7.24%
Progressive Group$139,85558.71%7.18%
Geico$109,94070.69%5.65%
USAA Group$92,07173.14%4.73%
Liberty Mutual Group$80,24561.30%4.12%
Farmers Insurance Group$79,77652.42%4.10%
Nationwide Corp Group$57,50651.80%2.95%
**State Total**$1,947,17963.32%100.00%

– Number of Insurers in Arkansas

Property & Casualty Insurance 
Domestic12
Foreign887
Total899

Arkansas State Driving Laws

Now that you know a little more about your car insurance options, you’ll want to do what you can to ensure that your can insurance rates remain low.

Even so, trying to understand every driving-related law in the state of Arkansas? That’s a challenge.

That’s why we’re here. You can take a look at our summations of Arkansas’s state driving laws and get an idea of what rules you’ll need to follow in order to avoid getting fined.

So, where do we begin?

– High-Risk Insurance

Are you a high-risk driver? That depends on your driving history. If you’ve found that you’re prone to accidents or traffic violations, you may also discover that car insurance providers are less willing to provide you with coverage.

Car insurance providers are not required to cover high-risk drivers. This means that if your driving history is questionable, you may be out of luck when it comes to securing car insurance coverage.

If you are a high-risk driver, though, you can’t just forgo car insurance. This is where one of Arkansas’s residential provisions comes in handy.

If you’re a resident of Arkansas, you can apply for insurance through the state’s Arkansas Automobile Insurance Plan.

Every car insurance provider in the state of Arkansas is required to participate within the bounds of this plan. You’ll be able to submit your application for the Arkansas Automobile Insurance Plan through a representative from any of the car insurance providers in Arkansas.

Once your application is submitted and reviewed, you’ll be assigned to a car insurance provider of the state’s choosing.

– Low-Cost Insurance

Not having car insurance as a driver in Arkansas is a bad idea. You might think you’re saving money by avoiding an insurance policy and payment, but the fines you might receive for getting caught driving without insurance are far more expensive to deal with in the long run.

Unfortunately, Arkansas doesn’t have a program that ensures low-cost insurance for under-privileged families.

Drivers have to have the minimum amount of liability insurance in order to be on the road and will have to work with their individual insurers in order to remain within a budget. Once you’ve assessed your needs, you can start comparing insurance providers and find the best plan for you and your family.

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– Windshield Coverage

 ReplacementRepairZero Deductible with Comprehensive Coverage
ArkansasAftermarket parts allowed with written notice and at least equal in terms of fit, quality, performance, and warrantyConsumer has right to choose repair vendorNot a law - Individual insurance companies may offer with comprehensive coverage.

In the state of Arkansas, there is no law indicating that a car insurance provider is required to provide windshield coverage to a driver.

However, depending on individual insurers and the details of your comprehensive coverage, you may be able to replace a broken or cracked windshield with after-market parts.

Keep in mind, though, that’ll you’ll need written notice in order to make use of the after-market parts that you want.

The repair vendor you reach out to, though, is entirely up to you.

– Automobile Insurance Fraud in Arkansas

Insurance fraud is a complex topic. You can intentionally and unintentionally commit insurance fraud, which makes it an especially important issue to consider.

In Arkansas, insurance fraud is considered a criminal offense. Insurance fraud also takes on three forms.

  1. You purposefully misreport or hide the details regarding a fatality or accident in order to receive compensation
  2. You help someone else misreport or hide the details regarding a fatality or accident in order to help them receive compensation
  3. You purposefully lie, make false claims, or assert false statements on the behalf of another person in the midst of an official, insurance-related proceeding

You’ll note that all of these forms of insurance fraud require intentionality on the offender’s part. Mistakes are human! Do what you can, regardless, to stay as honest as possible when addressing what occurred during or after an accident.

In Arkansas, specifically, insurance fraud is considered a felony at varying levels, depending on the amount of damage that has been sustained to property or a person.

 Value in QuestionConsequences
Misdemeanor>$300One year's imprisonment and/or $2,000 fine
Class C FelonyBetween $19,999 and $301Five years imprisonment and/or $10,000 fine
Class B Felony<$20,00010 years imprisonment and/or $25,000 fine

– Statute of Limitations

After getting into a car accident, you’ll have a limited amount of time to bring your grievances to court. This time block is referred to as a statute of limitations.

In Arkansas, the Arkansas Code Annotated Section 16-56-105 allows drivers found to be at-fault or their victims up to three years to bring their grievances to court.

This means that if you get in an accident, you’ll have to present a state court with evidence of personal injury or damage to personal property within a time block of three years which begins and ends on the day your accident took place.

– Vehicle Licensing Laws

There are consequences in Arkansas not only for driving without insurance but for driving without a license. These penalties will vary based on the number of offenses that you have on your record.

 FinesAdditional ConsequencesReinstatement Fee
First Offense$50 to $250Suspended registration; no plates until proof of coverage is provided; court may order a car impoundment$20
Second Offense$250 to $500Suspended registration; no plates until proof of coverage; court may order car impound$20

– Teen Driver Laws

There are also specific Arkansas state laws that apply to drivers who are just getting their licenses or learning the rules of the road.

Young Driver Licensing LawsAge RestrictionsPassenger RestrictionsTime Restrictions
Learner's Permit:14 yearsno more than 1 passenger younger than 21Between 11 p.m. and 4 a.m. Teens are not required to have any number of hours of supervised driving.
Provisional LicenseMust be 16 years old and have held learner's permit for at least 6 months.no more than 1 passenger younger than 21Nighttime restrictions will be lifted at age 18.
Full LicenseMust be 16 years old and have held provisional license for at least 6 months.None.None.

– Older Driver License Renewal Procedures

If the time has come to renew your license, don’t fret. Arkansas makes it easy for you to keep on top of your license’s expiration date.

License Renewal Procedures
    
License renewal cycleGeneral population: 8 yearsOlder Population: 4 or 8 years for people 70 and older, personal option
Mail or online renewal permittedGeneral Population: noOlder Population: no
Proof of adequate vision required at renewalGeneral population: every renewalOlder population: every renewal

– New Residents

For people just moving into Arkansas and jumping through all of those hoops, there are some additional steps to take in order to update a driver’s license.

New Arkansas residents must apply for an Arkansas driver’s license within 30 days of moving into the state.

You can still go to the DMV in order to get your new license, but make note that the Arkansas Department of Finance and Administration takes care of any and all processes that deal with vehicle licensing.

Alternatively, you can avoid the DMV entirely. Arkansas wants its residents to “skip the trip” to the DMV and, in order to facilitate that, has moved most of the license renewal services online.

– Negligent Operator Treatment System

Arkansas is a unique state in that while it addresses “at-fault” accidents indiscriminately, it also enables a sharing of the blame. This is referred to as contributory and comparative negligence.

By enacting contributory and comparative negligence laws, the Arkansas courts ensure that a percentage of the fault endured in an accident can be applied to the total coverage needed to attend to personal injury or property damage.

– Rules of the Road

With all of that in mind, let’s get down to the nitty-gritty of roadway driving in Arkansas.

– Fault vs. No-Fault

As we’ve mentioned, Arkansas is an at-fault state which operates on fault-based legislation.

The driver who is determined to be at-fault has to take responsibility for the costs of personal injury or property damage that arise in the aftermath of an accident.

– Keep Right and Move Over Laws

Like most other states, Arkansas requires that you stick to the right-hand lane on two or more-lane roads, especially if you’re driving slower than the posted speed limit.

However, in Arkansas, there are six exceptions to this rule:

  1. When one car passes another in the same direction
  2. When the right half of the roadway is closed to traffic due to construction
  3. When a roadway is divided into three (3) lanes
  4. When a sign is posted indicated directions for one-way traffic
  5. When the right half of the road is undrivable
  6. When a vehicle is exiting the roadway on the left-hand side

Move over laws, comparatively, requires that all drivers move over to the side of the road when an emergency vehicle, representative of the Arkansas State High way and Transportation Department, or affiliated contractor needs to get by.

– Speed Limits

 Posted Speed Limits
Rural Interstates75 mph
Urban Interstates75 mph
Limited Access Roads75 mph
Other65 mph

Keep in mind that speed limits will vary for passenger cars and trucks, respectively.

– Car Seat and Cargo Area Laws

Child AgeSeat RequirementsExceptionsConsequences
5 or youngerA child safety seat - but the child can be kept either in the front or back seatsA child over 60 pounds does not have to be restrained by a child safety seat$100 fine if caught
6-14No seating requirements

Seating laws regarding children are dictated with the intent of keeping children in cars as safe as possible.

Arkansas does allow for employees on duty – who are not children, obvious – to ride in the bed of trucks without violating the law.

– Ridesharing

Drivers who operate for Lyft or Uber must carry evidence of individual car insurance on them at the time that they’re driving and must have at least minimum Arkansas state coverage.

– DUI and Impaired Driving Laws

DUI Laws
 
BAC Limit0.08
HIGH BAC LimitN/A
Criminal Status by Offense4th+ within 5 years is a felony. (otherwise unclassified)
Formal Name for OffenseDriving While Intoxicated (DWI)
Look Back Period/Washout Period5 years
1st Offense-ALS or Revocation6 months
1st Offense Imprisonment24 hours - 1 year, or community service
1st Offense-Fine$150-$1000
1st Offense-OtherFor license reinstatement, must complete approved treatment or education program and a Victim Impact Panel +$150 reinstatement fee; interlock device equal to license suspension time
2nd Offense-DL Revocation2nd offense in 5 years - 2 year revocation
2nd Offense-Imprisonment7 days-1 year
2nd Offense-Fine$400-$3000
2nd Offense-OtherFor license reinstatement, must complete approved treatment or education program and a Victim Impact Panel +$150 reinstatement fee; interlock device equal to license suspension time.
3rd Offense-DL Revocation3rd offense in 5 years - 30 month revocation
3rd Offense-Imprisonment90 days to 1 year
3rd Offense-Fine$900-$5000
3rd Offense-OtherFor license reinstatement, must complete approved treatment or education program and a Victim Impact Panel +$150 reinstatement fee; interlock device equal to license suspension time
4th Offense-DL Revocation4 years
4th Offense-Imprisonment1-6 years
4th Offense-Fine$900-$5000
4th Offense-OtherFor license reinstatement, must complete approved treatment or education program and a Victim Impact Panel +$150 reinstatement fee; interlock device equal to license suspension time
Mandatory InterlockNo

While at this point there are no marijuana-related laws that relate specifically to driving in Arkansas, a person who is caught impaired by marijuana while driving will face similar consequences to those who drive while intoxicated by alcohol.

– Distracted Driving Laws

Arkansas has intense laws in place when it comes to distracted driving. Its legislation regarding cell phone use, hand-held devices, and texting while driving are all in place to keep drivers safer.

Let’s try to take this slowly.

The state does not permit drivers under 18 to have a cellphone on them while they drive. Only after a driver turns 18 are they allowed to have a cellphone with them while driving, but they are not allowed any other hand-held devices.

Drivers of all ages are not permitted to text while driving and will be fined or cited if they are caught doing so while on the road.

These bans change when drivers enter into a school or work zone. Drivers must be in violation of a primarily enforced law to be fined or cited for using a phone or hand-held device in these areas.

Should a school bus driver be caught using a cellphone or hand-held device while on duty, though, it will be considered a primarily-enforced violation.

Arkansas Can’t-Miss Facts

So: we’ve covered the finer points of car insurance in Arkansas as well as many of the laws that keep the roads safe. What’s life like for a driver in Arkansas on a daily basis, though? What kind of risks does a driver face

We’ve done a bit of digging and are more than ready to share our findings with you.

– Vehicle Theft in Arkansas

Some cars are more likely to get stolen than others. That’s the reality of convenience and automobiles. If you’re living in Arkansas, though, you can assess car theft in order to find some pretty interesting trends.

Make/ModelYear of VehicleThefts
Chevrolet Pickup (Full Size)2004402
Ford Pickup (Full Size)2008252
GMC Pickup (Full Size)1997174
Dodge Pickup (Full Size)1999127
Honda Accord1997122
Nissan Altima201589
Toyota Camry201382
Chevrolet Impala201276
Chevrolet Malibu200672
Chevrolet Tahoe200368

As you can see, pickups are among the most frequently stolen cars in the state of Arkansas. If you’ve got a truck with a nice bed, then, do your best to keep an eye out.

As of 2016, nearly 4,900 cars were stolen from registered drivers in Arkansas. If you take the right safety measures, you can make sure that even if you fall victim to vehicle theft, you’ll be covered.

– Risky/Harmful Behavior While Driving

What qualifies as risky driving? In Arkansas, it includes driving while intoxicated, driving too quickly down an urban or rural road, or driving while distracted. If you’re out on the road, you’ll want to do what you can to ensure that you’re motoring as safely as possible.

Take a look at some of the statistics collected as of 2017, and you’ll see how distracted, risky, or harmful driving behaviors impacted Arkansas residents.

– Traffic Fatalities

TypeNumber of Fatalities
Traffic Fatalities493
Passenger Vehicle Occupant Fatalities (All Seat Positions)351
Motorcyclist Fatalities65
Drivers Involved in Fatal Crashes687
Pedestrian Fatalities42
Bicyclist and other Cyclist Fatalities3

Of the 493 traffic fatalities that occurred in 2017, you can see that 72 percent involved passenger vehicle occupant fatalities. This means that 72 percent of passengers involved in a car accident in Arkansas fell victim to some sort of injury as a result of an accident.

Luckily, bicyclists and pedestrians range within a lower percentile of the state’s overall fatalities. This one statistics, though, reveals the different potential dangers of driving while distracted.

– Fatalities by Person Type

Person TypeNumber
Occupants (Enclosed Vehicles)382
Motorcyclists65
Nonoccupants46

In much the same vein, you can see here that occupants within cars are most likely to be the victims in car accidents.

– Fatalities by Crash Type

Crash TypeNumber
Single Vehicle275
Involving a Large Truck84
Involving Speeding116
Involving a Rollover155
Involving a Roadway Departure331
Involving an Intersection (or Intersection Related)52

The data we have here is a little more complicated than that which we’ve already addressed. Let’s break this down.

As you can see, single vehicles make up a fair percentage of car accidents and fatalities which occur in Arkansas on a yearly basis.

However, these drivers are less likely to hit other cars in an intersection or other location than they are to experience a fatality during a roadway departure.

This means that a driver is more likely to hit another car or obstacle when pulling off of a highway, into a driveway, or generally moving away from the road that they’ve been driving down for some time.

This may be because roadway departures are sites of heavier traffic. However, these departures also require drivers to break through “highway hypnosis,” or the meditative state that some drivers enter into while heading down long stretches of interstate.

– Five-Year Trend for the Top 10 Countries

Arkansas Counties by 2017 RankingFatalities    
County20132014201520162017
Pulaski County5940534351
Washington County1619223421
Miller County96111018
Craighead County1412171817
Faulkner County1414141516
Jefferson County101691115
Benton County1813253014
Garland County2118263113
Hot Spring County1317171513
Sebastian County10561512
Top Ten Counties205184221236190
All Other Counties293286329325303
All Counties498470550561493

We’ve already touched on how living in a particular Arkansas county can impact the amount of money you spend on your insurance annually. The place you live in Arkansas also has its own fatality likelihood.

Pulaski County, as you can see, is not only the most populated county within the state of Arkansas. It’s also the county that sees the most fatalities on a yearly basis. Naturally, fatalities and population correlate.

This also suggests that drivers in Pulaski County need to take extra care when they take to the roads on a daily basis.

– Fatalities Involving Speeding by County

 Fatalities    Fatalities Per 100,000 Population    
County Name 2013201420152016201720132014201520162017
Arkansas County111105.335.415.455.490
Ashley County000100004.880
Baxter County101222.4402.434.864.84
Benton County644332.511.641.591.161.13
Boone County0132302.78.095.388.03
Bradley County000100009.110
Calhoun County0000000000
Carroll County104133.6014.413.6110.74
Chicot County003210027.3818.339.4
Clark County220228.868.8708.878.97
Clay County0103006.54019.920
Cleburne County103133.9011.833.9711.98
Cleveland County0002100024.2112.19
Columbia County00101004.1504.23
Conway County111114.754.774.784.794.78
Craighead County220131.971.9500.952.8
Crawford County0115201.621.628.033.17
Crittenden County111302.012.022.046.080
Cross County0110205.825.8011.86
Dallas County001010013.28013.53
Desha County0000000000
Drew County110025.365.370010.78
Faulkner County113140.840.832.480.823.23
Franklin County02152011.235.6428.2911.18
Fulton County100318.220024.928.3
Garland County3351333.073.075.1213.233.04
Grant County0111305.535.555.5316.52
Greene County0000300006.66
Hempstead County0131204.4713.574.549.15
Hot Spring County112432.982.995.9711.968.94
Howard County00102007.48014.84
Independence County00242005.410.785.33
Izard County100027.4600014.61
Jackson County002110011.515.785.84
Jefferson County110031.371.38004.34
Johnson County100203.86007.630
Lafayette County0000000000
Lawrence County2102211.735.89012.0212.1
Lee County0000000000
Lincoln County002000014.4100
Little River County2110115.77.998.0508.09
Logan County3021013.6309.214.610
Lonoke County410125.661.401.392.74
Madison County111106.386.366.376.210
Marion County0120006.0912.3400
Miller County00116002.282.2813.64
Mississippi County100002.240000
Monroe County0000000000
Montgomery County02000021.85000
Nevada County1100111.411.560012.01
Newton County1001012.420012.710
Ouachita County000140004.1616.76
Perry County000100009.730
Phillips County0000000000
Pike County0000000000
Poinsett County100004.140000
Polk County201109.8304.954.960
Pope County110331.61.5904.74.7
Prairie County01002011.980024.25
Pulaski County14412773.581.023.051.781.78
Randolph County00101005.7405.7
Saline County725336.181.744.32.552.51
Scott County0100109.38009.57
Searcy County2001025.060012.550
Sebastian County101420.7900.793.141.56
Sevier County0112005.755.811.80
Sharp County00104005.95023
St. Francis County00202007.5107.71
Stone County100118.050087.98
Union County0132302.497.495.027.6
Van Buren County100025.8900012.12
Washington County1541060.462.281.794.392.59
White County116621.271.287.617.612.53
Woodruff County03000043.66000
Yell County0213009.24.6613.960

Speeding, of course, also influences the number of fatalities the counties in Arkansas see on a yearly basis. It doesn’t matter if you feel like you “gotta go fast.” Take it slow on the roads and do what you can to keep the other drivers around you – and not to mention, yourself – a little safer.

– Fatalities in Crashes Involving an Alcohol-Impaired Driver

 Fatalities    Fatalities Per 100,000 Population    
County Name 2013201420152016201720132014201520162017
Arkansas County02021010.82010.985.57
Ashley County003020014.409.86
Baxter County112012.442.454.8602.42
Benton County2212450.840.824.781.551.88
Boone County212125.362.75.392.695.35
Bradley County100008.990000
Calhoun County01000019.35000
Carroll County0254407.2218.0214.4314.31
Chicot County0002200018.3318.8
Clark County03011013.304.434.49
Clay County0120106.5413.1606.7
Cleburne County111123.93.913.943.977.98
Cleveland County1001111.740012.1112.19
Columbia County3110312.374.164.15012.7
Conway County3211014.249.534.784.790
Craighead County444663.943.93.845.675.6
Crawford County151341.628.091.624.826.35
Crittenden County261314.0212.112.046.082.05
Cross County110025.715.820011.86
Dallas County1020012.68026.5600
Desha County101218.0108.3116.788.5
Drew County00102005.37010.78
Faulkner County326142.521.664.950.823.23
Franklin County03111016.845.645.665.59
Fulton County111018.228.288.2508.3
Garland County10999110.249.219.219.161.01
Grant County00102005.55011.01
Greene County122102.324.574.512.240
Hempstead County4312217.8313.424.529.089.15
Hot Spring County347318.9511.9820.918.972.98
Howard County0131007.422.437.440
Independence County242425.4310.85.410.785.33
Izard County00002000014.61
Jackson County102425.64011.5123.1111.67
Jefferson County377224.19.679.752.842.89
Johnson County110013.863.85003.77
Lafayette County01010013.96014.430
Lawrence County130115.8717.6806.016.05
Lee County004020041.33021.8
Lincoln County02101014.257.2107.33
Little River County2002115.70016.098.09
Logan County3021213.6309.214.619.21
Lonoke County425425.662.817.025.572.74
Madison County2321112.7619.0812.746.216.12
Marion County2010012.1606.1700
Miller County104152.309.112.2811.37
Mississippi County421238.954.522.294.667.12
Monroe County1014213013.4255.2928.23
Montgomery County02112021.8511.0811.1722.42
Nevada County1001011.40011.940
Newton County01000012.69000
Ouachita County101034.0104.11012.57
Perry County101129.6809.719.7319.33
Phillips County131014.8915.035.1105.38
Pike County1100099.11000
Poinsett County104124.14016.664.178.28
Polk County213019.834.9414.8504.97
Pope County111141.61.591.571.576.27
Prairie County1101411.9411.98012.0948.5
Pulaski County21141614135.373.574.073.563.3
Randolph County0122105.6911.4811.495.7
Saline County655315.34.364.32.550.84
Scott County00110009.489.650
Searcy County002010025.55012.6
Sebastian County331542.362.370.793.923.12
Sevier County0112105.755.811.85.84
Sharp County2022211.74011.8911.6711.5
St. Francis County00100003.7500
Stone County002110016.1687.98
Union County0142102.499.985.022.53
Van Buren County120015.8911.84006.06
Washington County3115871.395.012.233.513.02
White County244822.555.15.0710.152.53
Woodruff County0000000000
Yell County0103504.6013.9623.23

It should be obvious, but do not drive while intoxicated. You put yourself and other drivers on the road at risk. Before you get behind the wheel, be honest with yourself and check in with friends to see whether or not it’s safe for you to drive.

– Teen Drinking and Driving

DetailsNumbers
Alcohol-Impaired Driving Fatalities Per 100K Population1.2
Higher/Lower Than National Average (1.2)equal
DUI Arrest (Under 18 years old)44
DUI Arrests (Under 18 years old) Total Per Million People62.41

Teenage drunk driving is more common than it should be. The separation between rural and urban teenage drunk driving in Arkansas is worth noting, though.

The fatality rate of teenage drunk drivers in Arkansas is equivalent to the national average of 1.2.

While this isn’t a statistic to be proud of, it also suggests that the issue of teenage drunk driving in Arkansas is not as bad as it could be.

Teenagers in urban areas experience also fewer fatalities than those in rural areas, and the time it takes response teams to get these teens to the hospital is markedly different.

– EMS Response Time

Type of Crash Time of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Rural Fatal Crashes6.0813.9442.2760.84
Urban Fatal Crashes3.846.7828.0539.07

Teenager or otherwise, you can always count on an EMS response team to react to news of an accident or fatality as quickly as possible. Response times in rural areas are understandably slower than those in urban areas due to population density.

However, the notable lengthiness of EMS response time in rural areas should be enough to discourage drivers from distracted, risky, or dangerous behaviors while on the road in rural areas.

While EMS team members will do everything they can to ensure that an accident’s victims are taken care of quickly and responsibly, the location of an accident can play into how quickly that help will arrive.

In short: be responsible. You’ll never know how your decisions will impact not only your health but the health of the people around you.

Transportation

– Car Ownership

Like most states in the United States, Arkansas has a fairly standard bell curve when it comes to car ownership. The vast number of Arkansas residents own two cars, with lesser by equal amounts owning three or one, comparatively. To those who own upwards of five: we see you, and we’re jealous.

– Average Arkansas Commute Time

Commute times, at least, aren’t so bad in the Natural State. On average, a morning and evening commute in Arkansas takes between 15- 25 minutes.

While that’s not necessarily the most ideal way to spend a chunk of time, at least there’s a chance to catch up on your favorite podcast somewhere in there.

– Commuter Transportation

And finally, it turns out that drivers in Arkansas aren’t all that likely to ride share. Instead, the vast majority of drivers in Arkansas prefer to drive to work alone.

With all of that in mind, you can make an informed decision on what kind of car insurance you may need if you’re moving to Arkansas. Even if you’re a long-time resident looking to upgrade your coverage, you can use our guide in order to compare costs between the state’s most prominent providers.

Keep in mind, though, that your rates will be as unique as your driving habits – which is to say that they’ll be entirely individual.

What are you waiting for? Get started comparing rates and see how much of your DPI you can save with the best auto insurance Arkansas has to offer. You can compare the rates available through Arkansas’s car insurance providers now by entering your zip code into our FREE online tool!