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- Looking for cheap car insurance in Arkansas?
- How much does car insurance cost in Arkansas?
- Top auto insurance providers in Arkansas
- What car insurance do you need in Arkansas?
- How is your cost of car insurance determined in Arkansas?
- How to save money on car insurance in Arkansas
- Registering your car in Arkansas
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Looking for cheap car insurance in Arkansas?
Drivers in Arkansas pay more than the national average for car insurance because of congested cities and higher-than-average property theft rates. However, you can find affordable car insurance premiums by shopping for quotes with carlay.
Arkansas's cities—like Little Rock and Fayetteville—are densely populated, and the state sees 35% more property crime than the national average—both of which contribute to higher than average car insurance rates for drivers with an Arkansas zip code.
However, location is just one thing insurance companies consider when determining your car insurance rates. Providers will also consider your age, driving history, and other factors when setting your quotes, so it is smart to shop around for the best price.
That's where carlay can help. Sign-up takes less than a minute, carlay will provide you quotes from over 50 top insurance providers. Then, carlay will take care of all of the paperwork—even helping to cancel your old policy. The average carlay customer saves $879 per year on car insurance.
Need more proof? Here are some real quotes and savings from customers in Arkansas who switched with carlay:
How much does car insurance cost in Arkansas?
The average cost of liability-only car insurance in Arkansas is $1,725 per year. If you prefer to buy full coverage car insurance in Arkansas, you can expect to pay an average cost of $2,436 per year.
How does the cost of car insurance in Arkansas compare to the rest of the country?
Compared to nationwide averages, it costs $1,627 per year for liability-only car insurance and $2,297 per year for full-coverage car insurance.
Why are Arkansas car insurance rates so high? Here are some factors:
- Dense cities: Arkansas cities are densely populated, which means there are more cars on the road—leading to a higher likelihood of accidents
- Auto thefts: The property crime rate in Arkansas is one of the highest in the country
- Uninsured drivers: Nearly 16% of Arkansas drivers are uninsured
Here's how Arkansas's insurance premiums compare to nationwide averages:
|All Coverage Before carlay||All Coverage After carlay||Minimum Coverage Before carlay||Minimum Coverage After carlay||Full Coverage Before carlay||Full Coverage After carlay|
|All Coverage Before carlay||$2,347||$2,436|
|All Coverage After carlay||$1,531||$1,660|
|Minimum Coverage Before carlay||$1,740||$2,306|
|Minimum Coverage After carlay||$913||$1,382|
|Full Coverage Before carlay||$1,824||$2,659|
|Full Coverage After carlay||$1,596||$1,973|
Top auto insurance providers in Arkansas
Many popular insurance companies serve drivers in Arkansas. Common carriers include the Southern Farm Bureau, State Farm, and Farmers.
While these companies are known for their good rates and customer service, your rates may be different based on your age, driving history, and other factors.
Insurance providers have their own formulas for setting premiums. If you get rates from a variety of rates from different providers could mean that you'll end up with a different quote from each one—even for the same coverage.
Providers in Arkansas consider factors like your age, driving history, marital status, and location when setting your insurance rates.
The type of car you drive will also factor into your insurance premiums. For example, a popular luxury car like the Cadillac Escalade will cost more to insure than a Honda Accord because of the base cost of the Cadillac—and the higher cost of replacement parts.
No matter the situation, drivers in Arkansas can find some great deals with carlay. Here are some of the best savings:
What car insurance do you need in Arkansas?
As in most states, drivers in Arkansas are required to carry minimum liability insurance before hitting the road. This coverage includes the following:
|Bodily injury liability||$25,000 per person / $50,000 per accident||Covers the costs associated with injuries you cause to others|
|Property damage liability||$25,000 per accident||Covers the costs associated with the damage you cause to other people's vehicles or property|
Failure to obtain the required insurance could result in penalties, including:
- License plate removal
- Proof of an SR-22 for license reinstatement
- Fine of up to $250
Liability insurance is only the minimum—it covers other drivers if you're in an accident but not you or your vehicle, so it's recommended that Arkansas drivers invest in other insurance coverage. Some coverages that Arkansas drivers should consider include:
|Collision insurance||Covers damages that are the result of a collision with a vehicle or stationary object|
|Comprehensive insurance||Covers damages that aren't the result of a collision, such as vandalism, theft, or a natural disaster|
|Roadside assistance||Covers the costs associated with a breakdown|
When you decide on the coverage you need, carlay will get you the best rates on premiums.
carlay does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. carlay will even help cancel your old policy for you. And to ensure you always have the lowest rate, carlay will send you new quotes every time your policy comes up for renewal. carlay customers save $879 per year on average!
Now that we've covered car insurance basics, here are some things that impact the cost in Arkansas.
How is your cost of car insurance determined in Arkansas?
Your age, driving record, zip code, and type of car you drive all impact the rates you'll get on your car insurance premiums.
What young drivers in Arkansas need to know
- Young drivers in Arkansas are considered high-risk because they have less experience than their older counterparts
- Young drivers secure lower car insurance premiums by taking a defensive driving course
- Drivers under 25 who maintain good grades can qualify for a good student discount
While rates for drivers under 25 are higher than average, applying for discounts, shopping around, and maintaining a clean driving record can help young drivers secure the best prices on their premiums.
carlay will work with young drivers to make sure they are always getting the best prices for car insurance. Here are the average premiums for drivers by age:
|Age Group||Average Cost||Annual Savings with carlay|
Cost to insure your car in Arkansas with a poor driving record
Your driving history will also play a role in your car insurance rates. If you've been in an accident, gotten a speeding ticket, or had a major driving infraction, you will have higher premiums for your Arkansas car insurance rates.
Insurance companies consider drivers with previous infractions high-risk and will charge more as a result.
Even still, carlay will help drivers with bad driving histories find the best rates on car insurance.
Here are some examples of premiums for drivers with blemished records after switching with carlay:
|Driving Violation||Average Cost||Annual Savings with carlay|
|Leaving scene of an Accident/Hit and Run||$2,562||$1,621|
|Wrong Way/Wrong Lane||$2,160||$1,141|
|Driving on Sus. License||$3,023||$1,141|
|Speeding under 15||$2,789||$930|
|Failure to Obey Traffic Sign||$3,157||$722|
Cost to insure your car in Arkansas based on where you live
Arkansas car insurance rates are a bit higher than the national average because of the city population and the number of interstates bringing commuters through the state. Drivers who live in places like Little Rock, Fayetteville, or Conway are likely to have even higher rates because of the congested roadways and higher likelihood of car theft.
That said, residents of less populated areas may have insurance rates that are lower than the state or national average.
These are some of the best rates for car insurance in Arkansas for carlay customers:
|City||Average Cost||Annual Savings with carlay|
Cost to insure your car in Arkansas based on the type of car you drive
The car you drive also determines your car insurance rates. For example, a Nissan Altima—a popular sedan in Arkansas—will be a fairly affordable car to insure because of its high safety rating and relatively inexpensive replacement parts.
Most of the time, cheaper vehicles will be less expensive to insure because their repair or replacement costs will be lower. Additionally, putting less mileage on your car will result in lower rates.
Conversely, Arkansas is known as a truck state, and popular cars like the Dodge Ram will cost Arkansas drivers more to insure than a smaller car. In general, trucks are more expensive to insure than sedans or SUVs.
Here's what it costs to insure some popular makes and models with and without carlay:
|Car||Average Cost||Annual Savings with carlay|
|Nissan Rogue S||$2,429||$1,485|
|Chevrolet Cruze LT||$2,676||$1,352|
|Kia Optima LX||$2,111||$1,222|
|Ford Focus SE||$2,020||$1,150|
|Jeep Cherokee Latitude||$2,241||$1,074|
How to save money on car insurance in Arkansas
Even though Arkansas can see high premiums, there are always ways to save money on car insurance.
Shop around for quotes
To get the best prices on car insurance, compare prices from different insurance providers. It's a good rule of thumb to get quotes from at least three to five insurance companies.
That said, shopping around on your own can be a challenge—and you could be stuck with piles of paperwork and long phone calls. That's when carlay can help.
carlay is the super app that helps you save time and money on your car expenses, including insurance. After a quick sign-up, carlay handles all the hard work for you—from collecting quotes from over 50 top insurance providers to completing the paperwork to get you signed up. carlay can even help you cancel your old policy.
Even better, carlay monitors prices before your renewal and lets you know if there's a better deal, so you know you're always getting the lowest rates.
Look for discounts
Discounts are another great way to save money on car insurance. Most providers offer discounts—even if they aren't advertised on the website, so it's a good idea to check with your agent.
Here are some popular discounts in Arkansas:
|Discount||Who is eligible?|
|Good driver discounts||Drivers in Arkansas are eligible for good driver discounts if they have a valid driver's license, have no claims history, and have no serious driving-related infractions. This discount is mandated by state law and saves drivers between 10%-30% on their car insurance premium.|
|Bundling discounts||Drivers can get a discount for bundling multiple insurance products (like auto, renters, and home) with the same company—with savings around 18%.|
|Defensive driver discounts||Most insurance companies offer discounts to drivers who complete a state-approved defensive driving course. This is an easy discount for young drivers to qualify for.|
|Payment and billing discounts||Providers often offer discounts for drivers who pay their premium in full, opt for automatic payments, or choose a paperless billing option. As a whole, these discounts could save you up to 25% off your annual premium.|
|Good student discounts||Another discount young drivers may want to consider is a good student discount. Full-time students who maintain a B average may qualify for savings up to 25% through their insurer.|
|Telematics||Many companies offer telematics programs which track a driver's behavior and give discounts for good driving habits. Many companies will give you a discount just for signing up.|
Arkansas insurance companies may consider factors like your employment, residential, and marital status when they set their car insurance premiums. If you're married, own a home, or have an affiliation with certain employers or institutions, you may be eligible for a discount.
Increase your deductible
Raising your deductible—the amount you pay out of pocket in the event of a claim—can also lower your monthly payments.
However, a higher deductible would mean that you'd be on the hook for more in the event of a claim, so you need to make sure you can afford the entire cost if you need to file a claim.
Registering your car in Arkansas
If you want to register a car in Arkansas, you need to have the following paperwork prepared:
- A driver's license or ID card
- A car title or signed lease agreement
- Proof of insurance
- Proof of sales tax payment
- Proof of a safety inspection
- Pay registration fees
It's recommended that you make an appointment with the DMV to register your vehicle. In addition to the above paperwork, you'll have to fill out the necessary documents—including some personal information and details about your vehicle.
Drivers in Arkansas must renew their vehicle registration every year.
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