Car insurance is crucial for Arkansas drivers for several reasons, including:  

• High accident rates: Major roadways like I-30 and I-40 see significant traffic, leading to increased accident risks. 
• Severe weather events: Arkansas is no stranger to heavy storms, hail, and tornadoes, all of which can cause significant vehicle damage. 
• Uninsured motorists: With a percentage of Arkansas drivers on the road without insurance, having a robust policy ensures protection in all situations. 
• Vehicle theft in urban areas: Cities such as Little Rock and Fayetteville experience a higher rate of auto theft, making comprehensive coverage a smart investment. 

Arkansas is an at-fault state, meaning the driver responsible for an accident must pay for any resulting damage and injuries. The state mandates the following minimum coverages for all drivers to promote road safety and financial responsibility:  

• Bodily Injury Liability: Coverage for others’ medical costs when you’re at fault. Minimum coverage of $25,000 per person and $50,000 per accident. 
• Property Damage Liability: Coverage for others’ vehicles or property when you’re at fault. Minimum coverage of $25,000 per accident. 
• Uninsured/Underinsured Motorist Coverage:Split into bodily injury and property damage. Coverage for both your vehicle and injuries if the other party doesn't have sufficient insurance. These limits are typically the same as standard liability limits. 
  • Added to standard policies but may be rejected in writing only. 
• Medical payments coverage (MedPay):Helps pay medical expenses for you and your passengers after an accident. This is the standard MedPay option. There are two levels above this available: 
  • MedPay with Lost Wages 
  • MedPay with Lost Wages & Death 

Liability-only coverage pays for damage and expenses for the other party if you’re found at fault. This means to protect you and your vehicle, additional coverage is necessary. 

A strong auto insurance policy in Arkansas should go beyond the minimum requirements. Consider these optional coverages to better protect yourself and your vehicle:  

• Collision Coverage: Helps pay for damages to your vehicle caused by a covered accident based on your deductible. 
• Comprehensive Coverage: Helps pay for non-collision damages to your vehicle caused by a covered accident based on your deductible. 
• Roadside assistance: Helps pay for the cost of towing your vehicle if it cannot be driven due to an accident or breakdown. 
• Rental car reimbursement: Helps pay for the cost of a rental car while your vehicle is being repaired after a covered accident. 
• Increase Liability Limits: Those that increase their liability limits will be better protected for accidents that have damage over the state minimum liability limit. 

Some drivers may have more unique circumstances or more specialized cars. Goosehead specializes in creating customized auto insurance policies for Arkansas drivers. If you feel like you have specific, unique, or niche needs, let our agent know and we’ll find the right coverage for your situation. 

The cost of car insurance in Arkansas depends on a variety of factors, in addition to coverage level, such as:  

• Driving record: A clean history translates to lower premiums, while accidents or violations increase rates. 
• Type and age of vehicle: Newer or high-value vehicles by nature cost more to insure. 
• Age: Young drivers, particularly under 25, often face higher rates due to a statistically higher risk of accidents. 
• Location: Urban zip codes in Arkansas, such as those in Little Rock, typically see higher premiums compared to rural areas. 

Arkansas drivers typically pay an average of $500 annually for state-minimum coverage or up to $2,500 for policies that feature more coverage, on average.  

Arkansas drivers can lower their car insurance premiums by taking smart, proactive steps, such as:  

• Bundling policies: Combine your home and auto insurance to unlock multi-policy discounts. 
• Driving safely: Many insurers reward clean driving records with safe-driver discounts. 
• Completing defensive driving courses: Demonstrating your commitment to safe driving can reduce your premium. 
• Exploring discounts: Many carriers offer discounts for students, military personnel, or vehicles equipped with safety features. 

When it comes to protecting your vehicle and your peace of mind on the road, Goosehead Insurance is the preferred choice for Arkansas drivers. Here’s why our clients trust us for their car insurance needs in Arkansas:  

• Tailored Coverage: We compare policies from top-rated carriers to provide Arkansas drivers with personalized coverage that meets their exact needs. 
• Expert Guidance: Our agents take the complexity out of insurance, educating and guiding Arkansans to make informed decisions. 
• Simple and Transparent Process: We streamline the insurance process, making it efficient and stress-free. 
• Complete Support: Whether you need advice, claims assistance, or policy updates, our dedicated team is always ready to help.