image description
Your Information is 100% Secure

Cheap Car Insurance in Arkansas

Drivers may face a challenge when looking for affordable Arkansas auto insurance. Based on a study published by in 2011, Arkansas was one of the top 10 most expensive states to insure a car with the average driver paying $1,836 to cover their vehicle.

Arkansas car insurance laws can be a bit confusing and frustrating to understand. But finding cheap car insurance in Arkansas is easier when you understand how to comparison shop and check rates frequently. Here at, we want to help you save.

Online car insurance shopping has given power back to the consumer. Instead of just going to local insurance agents or calling around, you can quickly and conveniently check the rates for major Arkansas insurance companies even on mobile devices.

Minimum Arkansas Liability Limits

By law, Arkansas drivers must carry least $25,000 in liability insurance per person and $50,000 for all people in the accident. They must also carry property damage liability insurance with the minimal limit of $25,000. This covers any property damage done to another person’s car in an accident.

Be sure to understand what you are getting because some agents try and lower the monthly payment, which in turn raises your deductible. This means that if you have a deductible of a $1,000, that must be paid by you before the insurance companies pays anything. Look at the overall picture and take in the account that you may or could have an accident.

Just because there are minimum insurance limits does not mean you should buy the minimum. Consider all your financial assets you have including your cars, home, and investments and get the amount of coverage you need to protect yourself and your family in the event of a serious injury accident.

UM/UIM is Also Important Coverage

Anytime you apply for liability to find cheap car insurance in Arkansas, the agent must offer and give you a chance to purchase uninsured motorist (UM) and underinsured motorist (UIM) coverage.

Uninsured motorist covers you and your car if the other driver is at fault but has no coverage. Underinsured motorist covers you if the other person’s insurance plan doesn’t cover all the damage and medical bills stemming from the accident.

Another optional coverage that can be purchased is Personal Injury Protection. This plan covers loss wages, death benefits, and medical coverage regardless of who is at fault during the accident.

Compare Rates and Save

On our website, you can compare rates from leading Arkansas insurance companies. These companies may include Allstate, Geico, and Progressive who can quickly send you free quotes. You can shop and compare different insurance companies and find the cheap car insurance in Arkansas that best suits your coverage needs and budget.

Free Insurance Quotes

Copyright 2017 All Rights Reserved.