Arkansas Auto Insurance [Rates + Cheap Coverage Guide]

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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

Arkansas is abundant with natural views on the Scenic 7 Byway through the Ozarks. The Natural State also has an abundance of car insurance options, and we understand that they can be confusing and overwhelming.

You are not alone in your expedition for a great car insurance policy!

Are you ready to begin your journey and make an informed decision?

While you contemplate your next outdoor adventure, review the following guide we put together that includes all you need to know about Arkansas car insurance including coverage and rates, car insurance providers, state laws, and so much more.

In this article you will learn about:

You may already know comparing car insurance rates is a great way to save money! Start today with just your zip code.

Table of Contents

Arkansas Car Insurance Coverage and Rates

Before you decide to become a resident and visit the only diamond mine in the US where you can actually mine for your own diamonds, consider your options in car insurance coverage.

– Minimum Car Insurance Requirements in Arkansas

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

Liability insurance pays all individuals — drivers, passengers, pedestrians, bicyclists, etc — who are owed compensation for property damage and/or injuries resulting from a car accident that you or anyone under your policy causes.

Arkansas is an “at-fault” accident state. This means, if you are the at-fault driver during an accident, you will be held liable for any personal injury or property claims.

As such, liability insurance is required in the state of Arkansas at these minimum coverage amounts:

  • $25,000 – to cover Injury or death of one person in an accident you caused
  • $50,000 – to cover total injuries or death of more than one person in an accident you caused
  • $25,000 – to cover property damage in an accident you caused

Remember, these amounts are minimum requirements and do not cover injury, death, or damage to yourself or your own passengers! That will require additional coverage.

What if I am not at fault?

Arkansas does not require no-fault coverage; however, the state does require that your insurance company offer you at least $5,000 of no-fault insurance, otherwise known as personal injury protection (PIP), for medical bills you incur because of a wreck, regardless of who is at fault, who is driving, or who owns the vehicle.

– Required Forms of Financial Responsibility in Arkansas

Although the state of Arkansas uses an electronic system to verify minimum insurance requirements, the Department of Finance and Administration acknowledges that a “not insured” status may result in the lack of reporting provided by your insurance carrier.

So, to be on the safe side…

Keep your insurance card either in your wallet or in your vehicle even though you are not required by Arkansas state law to carry proof of insurance with you whenever you drive.

Under Arkansas law, motorists involved in a collision, regardless of who is at fault, are required to submit a Safety Responsibility SR-1 accident report and show proof of insurance within 30 days of when damage to the property of any one person is in excess of $1,000.00 or results in the injury or death of any person.

Be a step ahead!

Carry around a copy of the SR-1 as well. Not all accidents require law enforcement, but it isn’t difficult to cause more than $1,000 in damage in a minor fender bender.

Although a ticket may or may not be issued to you at the scene of an accident, the possibility of a judgment being entered against you can still exist, requiring that you show financial responsibility.

– Premiums as Percentage of Income in Arkansas

In 2014, the annual per capita disposable personal income in Arkansas was $33,929.

Disposable personal income (DPI) is the total amount of money available for an individual to spend (or save) after their taxes have been paid.

The average annual cost of car insurance in Arkansas is $900, which is almost 2.7 percent of the average disposable personal income.

The average Arkansas resident has only $2,827 each month to buy food, pay bills etc. The car insurance bill alone will deduct about $75 out of that — much more for having a less-than-perfect driving record.

Why is getting the best deal on car insurance so important?

American Consumer Credit Counseling suggests saving 20 percent of every paycheck.  With Arkansas’s DPI, that’s a whopping $565 each month! How much are you putting aside for savings?

– Core Car Insurance Coverage in Arkansas

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

The above table illustrates the most recent data provided by the leading source on the matter, the National Association of Insurance CommissionersExpect car insurance rates in Arkansas to be significantly higher for 2019 and on.

Don’t forget: Arkansas has minimum requirements for liability coverage, but experts suggest drivers purchase more than what state law requires, especially when the state is an “at-fault” state like Arkansas is.

You may be wondering: Why get more coverage than required?

Everyone in Arkansas knows it’s important to stay prepared for a big storm almost anytime during the year, always keeping some sort of safety pack nearby.

April is tornado month in Arkansas. In April 2018, 17 tornadoes were recorded in just two days. This couple’s truck drove right into the path of a tornado.

Your life is the top priority, not your vehicle.

Driving into the path of a tornado is not advised; leave your vehicle, and seek shelter immediately after a warning. Be familiar with the addresses of storm shelters spread across the state. Find an interactive map here.

Also, the American Red Cross has an app for both iPhone and Android that will give you tornado alerts.

After your safety is secured, consider adding comprehensive coverage to your policy which covers occurrences that many would call “out of our control” such as tornado and hurricane damage.

Why stop at comprehensive?

Let’s dig into some of the most popular coverage options to add to a basic auto insurance policy.

– Additional Liability Coverage in Arkansas

A loss ratio shows how much a company spends on claims to how much money they take in on premiums. A loss ratio of 60 percent indicates the company spent 60 on claims out of every $100 earned in premiums.

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

As of July 2018, two states required Medical Payments coverage (Maine and Wisconsin), two states (plus D.C.) required Uninsured Motorist coverage (Montana and Wisconsin), and 17 states required both Uninsured & Underinsured Motorist coverage.

Med Pay, Underinsured Motorist, and Uninsured Motorist coverage are all optional in Arkansas; however, all three are important.

Why?

In 2015, 13 percent of motorists in the US were uninsured, and 16.6 percent of motorists in Arkansas.

Arkansas ranked 9th in the nation in 2015 for uninsured or underinsured drivers.

By requiring one or more of these types of coverage, other states have decreased their loss ratio. Arkansas has decreased its loss ratio for medical payment over the years, but it still remains higher than the national average.

– Add-ons, Endorsements, and Riders

We know getting the complete coverage you need for an affordable price is your goal.

Good news: there are lots of powerful but cheap extras you can add to your policy.

Don’t get blown away by high car insurance premiums! Start comparison shopping today using our FREE online tool. Enter your zip code below to get started!

Here’s a list of other useful coverage available to you in Arkansas. 

—Male vs Female Annual Car Insurance Rates in Arkansas

Most people are under the impression that men pay higher car insurance rates than women. That is typically the case in the state of Arkansas with a few instances otherwise.

Our researchers came to a surprising conclusion. They learned that age and the actual insurance carrier seem to be the most significant contributing factors in cost variance.

Case in point, Travelers charges 17-year-old male and female drivers between $13,000 and $21,000 annually, which is ten to seventeen thousand dollars higher when compared to their averaged $2,335 yearly premiums for insureds over the age of 18. USAA, however, charges only about $3,000 more in annual premiums based on age difference.

Let’s dig deeper!

—Demographic and Insurance Carrier

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate P&C$2,908.00$2,928.74$2,593.49$2,774.39$10,596.85$12,699.62$3,211.86$3,487.30
Farmers Ins Co$2,316.82$2,306.44$2,070.77$2,176.91$9,693.38$10,046.95$2,654.22$2,797.50
GEICO General$2,536.43$2,508.78$2,340.15$2,274.76$6,588.67$6,607.80$2,492.72$2,527.69
Safeco Ins Co of IL$2,324.12$2,488.44$2,220.47$2,477.39$8,280.70$9,115.49$2,511.18$2,626.04
Nationwide Mutual$2,629.04$2,679.98$2,359.97$2,495.08$6,363.21$8,114.04$3,008.14$3,244.81
Progressive NorthWestern$2,820.71$2,675.07$2,318.03$2,422.91$11,868.05$13,373.52$3,372.76$3,645.70
State Farm Mutual Auto$1,757.39$1,757.39$1,571.32$1,571.32$5,051.46$6,355.63$1,979.45$2,268.23
Travelers Home & Marine Ins Co$2,222.90$2,265.25$2,194.96$2,201.72$12,955.34$20,822.43$2,377.54$2,746.50
USAA$1,336.55$1,349.38$1,240.31$1,248.11$4,210.03$4,407.45$1,721.30$1,855.30

—Highest and Lowest Rates in Arkansas by Zip Code

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/Least Expensive Carrier Rates by City

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

Take a look at the table above, listing the most/least expensive carrier rates according to the city. As you can see, your location is a significant factor in the rates you can expect to pay.

Arkansas Car Insurance Companies

There are so many car insurance carriers vying for your business these days, it’s hard to know which ones actually come through on their promises.

No need to worry, we’ve got you covered! Keep scrolling to find out who the 10 best providers are across the state.

Ready to go? Let’s get this show on the road…

—The 10 Largest Arkansas Car Insurance Companies’ Financial Rating

AM Best gives insurance companies financial ratings. A good score means they are highly likely to stay solvent and have the ability to pay customer claims.

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%

Besides premiums, one of the other components that should factor into your decision when picking an insurance carrier is customer ratings. Want to find out what customers really think about the top Arkansas car insurance carriers?

Here we go…

—Car Insurance Company Complaints

The complaint index of each company calculates how much larger a company’s share of complaints is compared to its share of profits across the state. Companies that have a complaint index higher than one are worse than the average insurer in Arkansas, and those with an index below one are better than average.

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

Bear in mind, some complaints are based on general customer satisfaction, so factor that into your final decision.

—Car Insurance Rates by Provider in Arkansas

We understand that rates are one of the biggest, if not the biggest factor when you pick Arkansas car insurance. The below chart shows nine of the top carriers in the state, along with their average rates compared to the overarching state average.

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%

Our researchers discovered that Travelers charges the most in average premiums, with Progressive NorthWestern coming in at 2nd place for the highest annual rates. Meanwhile, USAA comes in number one for the most affordable average rates.

—Commute Rates

The table below compares the rates of top carriers in the state against average commute times. Interestingly enough, Travelers comes in again with the highest premium ratio to annual mileage.

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

—Coverage Level Rates

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

—Credit History Rates

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

According to a study conducted by Experian, the average resident of Arkansas has a credit card VantageScore of 657 and around 2.76 credit cards in their name. The average Arkansas consumer has a credit card balance of $5,660.

If you think that your credit card debt and car insurance rates have no correlation, think again. Insurance carriers run credit checks on their insureds to assess the likelihood of them filing a claim at any point. If your credit score doesn’t meet their standards, you might just see a spike in your rates, regardless if you’ve had an accident or not.

—Driving Record Rates

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

As you’ll note in the table above, your driving history has a direct effect on the premiums you can expect to pay. If you look at the rates listed for GEICO, for example, you’ll notice that the rate difference for a clean record vs. one DUI is over a $3,000 premium jump which is a 67 percent increase.

—The 10 Largest Car Insurance Companies 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 Car Insurance Providers in Arkansas

Property & Casualty Insurance 
Domestic12
Foreign887
Total899

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Laws in Arkansas

In order to keep your car insurance rates low, you have to know the laws in your state so you’re not blindsided by a fine.

Don’t worry! We’re here to help.

Keep reading to learn about the laws specific to the state of Arkansas.

—Car Insurance Laws in Arkansas

Car insurance laws vary from state to state, and Arkansas is no different, but they are certainly more confusing than other states’ laws.

Arkansas has important laws worth noting, especially as it relates to cell phone use, hand-held device use, and texting while driving, sometimes depending on age, type of driver, and type of driving zone.

Sounds like a case-by-case situation, right? Well, it is.

Arkansas has a cellphone ban on any drivers younger than 18; however, drivers between the ages of 18 and 21 are permitted to use a cellphone and have only a hand-held ban.

Additionally, cellphone use by motorists under 18 or while driving through a school or work zone is only secondarily enforced, meaning, a driver must also be breaking a primarily enforced law in order to receive a citation for breaking a secondarily enforced law.

However, if a school bus driver is using a cellphone, enforcement becomes primary.

All drivers, no matter age or type of driving zone, have a texting band, and it is primarily enforced. All drivers also have a hand-held ban, but only in school and highway work zones.

So, you may be asking yourself…

If a school bus driver aged 21 is pulled over for speeding in a school zone and is using a walkie-talkie rather than a cellphone… are you cross-eyed yet???  Maybe this reporter can explain it better.

Let’s just stay on the safe side and, while driving in Arkansas, not use any type of device while behind the wheel, no matter your age, your job, or the type of driving zone.

You may be thinking – Ok, no problem!  I’ll use voice commands and blue-tooth.

Think again after watching these entertaining scientists put our assumptions about safe driving to the test.

Jamie and Adam always know what’s empirically best!

When it comes to the older population, Arkansas grants motorists over the age of 70 the personal choice in renewing their driver’s license every four years or every eight years, but they must get a vision exam every time they renew. Which option do you think they will choose?

How about some good news?

Seatbelt laws are under standard enforcement.

The bad news?

Seatbelt nonuse cannot decrease monetary awards for injuries in lawsuits, so it is especially important to consider adding additional liability coverage to your policy.

—High-Risk Insurance

For drivers with a history of accidents or traffic violations, they may find themselves unable to purchase coverage from an auto insurance carrier. This is where a type of insurance known as high-risk insurance comes into play.

But, don’t fret!

If you are having trouble finding a car insurance carrier, you may apply for insurance through the Arkansas Automobile Insurance Plan.

You can apply to the plan through any car insurance agent licensed to do business in Arkansas. However, once your application is processed, you may be assigned to a different car insurance company.

All Arkansas car insurance companies must participate in the plan. The amount of drivers assigned to a company through the plan is dependent on how many customers that company voluntarily covers.

—Low-Cost Insurance

The state of Arkansas currently does not provide any special low-cost insurance programs. Arkansas law requires drivers to carry a minimum amount of liability insurance. Penalties for not having insurance can be severe. You can’t afford not to have insurance.

—Windshield Coverage

While some states mandate a waived deductible for windshield repairs, and others specify the use of only manufacturer replacement parts, Arkansas does permit replacement with aftermarket parts with written notice and at least equal in terms of fit, quality, performance, and warranty.

The consumer has the right to choose the repair vendor; however, there is not a law that mandates insurance companies in Arkansas to offer a zero deductible with comprehensive coverage.

If windshield coverage is something you desire, you will need to have comprehensive coverage and you will have to carefully examine how the different insurance providers handle windshield claims.

—Automobile Insurance Fraud in Arkansas

Insurance fraud is a criminal offense in the state of Arkansas, occurring when an individual attempts to deceive an insurer to receive benefits or payouts they are not qualified to obtain.

There are three ways in which insurance fraud is committed:

  • Knowingly misreporting or hiding facts to get benefits, coverage, or compensation
  • Aiding someone in misreporting or altering the facts to receive benefits
  • Knowingly making false claims or statements on someone else’s behalf at an official proceeding

Insurance fraud is considered a:

  • Class B felony if the value in question is over $20,000, punishable by as much as 10 years imprisonment and/or $25,000 fine
  • Class C felony if the value in question is over $300, punishable by as much as five years imprisonment and/or $10,000 fine
  • A misdemeanor if the value in question is $300 or under, punishable by as much as one year’s imprisonment and/or $2,000 fine

The state of Arkansas mandates that insurers set up a specific program that identifies insurance fraud and outlines actions taken to reduce insurance fraud.

Simply put, don’t commit insurance fraud, and you’re good to go.

—Statute of Limitations

A statute of limitations is the limit on the amount of time you have to bring a lawsuit to court. Different states have different statutes of limitations for personal injury and property damage matters.

If you are ever in an auto accident involving extensive injuries and damages, you need to know your rights in the matter.

Arkansas Code Annotated section 16-56-105 provides three years from the time of the accident to ask the state courts for a civil remedy for any personal injury or damage to personal property.

—Vehicle Licensing Laws in Arkansas

Now, we all know that you can’t drive a car without a license. Let’s find out what mandatory vehicle licensing laws are in Arkansas.

—Penalties for Driving Without Insurance

  • First Offense – Fine: $50 to $250; suspended registration/no plates until proof of coverage plus $20 reinstatement fee; court may order impoundment
  • Second Offense – Fine: $250 to $500 fine — minimum fine mandatory; suspended registration/no plates until proof of coverage plus $20 reinstatement fee; court may order impoundment

—Teen Driver Laws

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 and General Population License Renewal Procedure

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

If you are about to make the move to Arkansas, here’s what you need to know:

  • New residents must apply for an Arkansas driver’s license within 30 days of moving to the state.
  • The Arkansas Department of Finance and Administration handles all matters related to vehicle licensing.
  • Arkansas encourages its residents to “skip the trip” to the DMV and offers many of their services online, including pre-registration to reduce your wait time.

—Comparative Negligence

Arkansas has in effect both contributory and comparative negligence laws.

What does this mean?

In Arkansas, courts use a rule known as modified comparative negligence in the case if one driver is primarily at fault but the other driver is found to bear partial responsibility.

Typically, blame is divided between the responsible parties based on the percentage of responsibility each has. The percentage of responsibility is then applied to the total cost of personal injury and property damage.

If the blame assigned to the person claiming damages is less than that assigned to the other parties, the plaintiff is entitled to damages — reduced by the percentage for which the plaintiff is responsible.

However, if the blame assigned to the plaintiff is greater than that assigned to the other party or parties, the plaintiff is not entitled to damages.

—Rules of the Road in Arkansas

Now, before you get out on the open road in the Natural State, you need to know the rules so you can stay safe and keep your rates down.

Ready?

—Fault vs. No-Fault

The first thing to know is that Arkansas follows a traditional fault-based system when it comes to financial responsibility for losses stemming from a crash: that includes car accident injuries, lost income, vehicle damage, and so on.

—Keep Right and Move Over Laws

Arkansas code 27-51-301 states that you should keep right if you are driving slower than the average speed of surrounding traffic with six exceptions.

Move over laws in Arkansas requires drivers to move over for emergency vehicles as well as vehicles owned by the Arkansas State Highway and Transportation Department and its contractors. This also includes utility vehicles, tow trucks, or authorized vehicles with flashing, revolving or rotating lights.

—Speed Limits

Maximum posted speed limits are 75 mph on rural interstates, 75 mph on urban interstates, 75 mph on limited access roads and 65 mph on all other roads.

—Carseat and Cargo Area Laws

All children five and younger and less than 60 pounds must be restrained in a child safety seat.

Violation of the child seat law in Arkansas may not only put the child in danger, but could result in a base fine of $100 plus additional fees.

Children 6-14 years old or over 60 pounds are allowed to sit in all seats with no preference for the rear seat.

Arkansas law permits employees on duty and people within bodies of trucks in a space intended for merchandise to ride in cargo areas.

—Ridesharing

Rideshare services like Uber and Lyft mandate that all their drivers carry personal car insurance policies that align or exceed the minimum coverages dictated by state law. Drivers rarely carry their own commercial insurance coverage; however, Farmers does provide rideshare insurance in Arkansas.

—Automation on the Road

According to the Insurance Institute for Highway Safety (IIHS),

Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human. In driving, automation involves using radar, camera and other sensors to gather information about a vehicle’s surroundings, which is then used by computer programs to perform parts or all of the driving task on a sustained basis.”

Currently, Arkansas has no restrictions on autonomous vehicles.

—Safety Laws in Arkansas

But wait, there’s more! Let’s dig deeper into the safety laws in Arkansas to protect you on the open road.

—DUI 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

—Marijuana-Impaired Driving Laws

Arkansas currently has no marijuana-specific impaired driving laws.

—Distracted Driving Laws

The state of Arkansas currently has specific, situational laws regarding hand-held device usage, cellphone usage, and texting.

Arkansas Fascinating Facts You Need to Know

Do you want to know how safe it really is for drivers in Arkansas? Well, the data our researchers found might surprise you.

Let’s take a look…

—Vehicle Theft in Arkansas

In 2016 alone, there were just over 4,900 motor vehicle thefts in the state of Arkansas. Here are the top 10 stolen cars in Arkansas.

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

—Risky/Harmful Driving Behavior

The best way to stay safe while driving is to always keep your eyes on the road and stay aware of common risky driving issues in your state. In 2017, there were 51 traffic incident-related fatalities in Pulaski County, the most populated county in Arkansas, comprising a 12.95 percent fatality rate per 100,000 of the population.

Let’s delve into this a bit further…

—2017 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

—Fatalities by Person Type

Person TypeNumber
Occupants (Enclosed Vehicles)382
Motorcyclists65
Nonoccupants46

—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

—Five Year Trend for the Top 10 Counties

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

—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

—Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

 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

—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

—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

– Transportation

If you live in Arkansas, chances are you live in a 2-car (or more!) household, drive alone to work, and spend at least 20-40 minutes of your day commuting!

With an average commute time of 20.5 minutes, Arkansas ranks below the national average, and with over 83 percent of the population driving alone, that commute doesn’t exactly rank Arkansas as the greenest option when it comes to carbon emissions.

– Car Ownership

– Commute Time

– Commuter Transportation

Some Arkansans (1.36 percent to be exact) even suffer through a “super commute” — spending in excess of 90 minutes in the car!

Now, you have the facts! You’ve also been able to see what kind of car insurance you need and how much it costs from the largest companies. Because you’re an individual, your rates will be unique to you.

It’s very important to compare rates for yourself so you can get the coverage you need at the best rate. Enter your zip code below to get started!

References:
  1. https://geology.com/articles/crater-of-diamonds/
  2. https://www.nolo.com/legal-encyclopedia/montana-car-insurance-requirements.html
  3. https://www.levarlaw.com/blog/no-fault-accidents/
  4. https://www.dfa.arkansas.gov/driver-services/insurance-verification/
  5. https://www.dfa.arkansas.gov/images/uploads/driverServicesOffice/SR121.pdf
  6. https://smartasset.com/taxes/arkansas-tax-calculator
  7. https://www.quicken.com/taking-inventory-your-personal-finances-how-much-your-paycheck-should-you-budget-bills-s
  8. https://www.naic.org/
  9. https://www.weather.gov/shv/event_2018-4-13_tornadoes
  10. https://katv.com/news/local/storm-shelters-listed-by-arkansas-emergency-management-teams
  11. https://www.4029tv.com/article/map-of-public-tornado-shelters/4959251
  12. https://www.redcross.org/get-help/how-to-prepare-for-emergencies/mobile-apps.html
  13. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
  14. https://www.naic.org/consumer_glossary.htm
  15. https://www.tomorrowmakers.com/motor-insurance/understanding-benefits-7-major-car-insurance-riders-listicle
  16. https://docs.google.com/document/d/1xGMQhlH5fl5sWvzgPLXZLe2bqA1sGc4lPtSqWKEk1ec/edit#mdatop
  17. https://www.iii.org/article/what-determines-price-my-auto-insurance-policy
  18. https://www.experian.com/blogs/ask-experian/state-of-credit/
  19. https://www.nolo.com/legal-encyclopedia/how-to-avoid-credit-card-debt.html
  20. https://www.nolo.com/legal-encyclopedia/car-insurance-factors-that-affect-your-premiums.html
  21. https://www.iihs.org/iihs/topics/laws/statelaws?stateabbr=AR
  22. https://www.aipso.com/Plan-Sites/Arkansas
  23. https://dojmt.gov/driving/insurance-and-verification/
  24. https://www.iii.org/article/background-on-insurance-fraud
  25. https://statelaws.findlaw.com/arkansas-law/arkansas-insurance-fraud-laws.html
  26. https://www.nolo.com/legal-encyclopedia/arkansas-car-accident-laws.html
  27. https://www.dfa.arkansas.gov/
  28. https://mydmv.arkansas.gov/
  29. https://www.levarlaw.com/blog/contributory-comparative-negligence/
  30. https://www.nolo.com/legal-encyclopedia/arkansas-car-insurance-laws.html
  31. https://codes.findlaw.com/ar/title-27-transportation/ar-code-sect-27-51-301.html
  32. https://5newsonline.com/2013/08/16/move-over-law-goes-into-effect/
  33. https://www.iihs.org/iihs/topics/laws/safetybeltuse?topicName=safety-belts
  34. https://www.iihs.org/iihs/topics/laws/cargoareas?topicName=safety-belts
  35. https://www.nolo.com/legal-encyclopedia/i-was-hit-by-an-uber-or-lyft-driver-what-now.html
  36. https://www.iihs.org/iihs/topics/laws/driving-automation
  37. https://www.responsibility.org/alcohol-statistics/state-map/state/montana/issue/marijuana-drug-impaired-driving-laws/
  38. https://ucr.fbi.gov/crime-in-the-u.s/2016/crime-in-the-u.s.-2016/tables/table-6/table-6-state-cuts/arkansas.xls
  39. https://cdan.nhtsa.gov/
  40. https://datausa.io/profile/geo/montana/#category_transportation

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