Looking for the best cheap car insurance Arkansas drivers can get? You’re off to a great start!
In the world of cheap auto insurance, Arkansas residents are at a disadvantage. While it isn’t one of the most expensive states for car insurance, it’s up there: Arkansas often ranks around #16 among the states and DC.
With cheap car insurance Arkansas motorists can end up saving hundreds of dollars a year. It is definitely worthwhile to look for the best Arkansas car insurance rates you can find.
A number of factors make it harder to save money on car insurance in Arkansas. Luckily, you can spend less by finding car insurance deals online. You just need to know a few things about Arkansas car insurance first.
Let’s dive in and see big questions about Arkansas car insurance drivers ask Cheap Insurance.
How Much Car Insurance Do You Need In Arkansas?
One reason car insurance is so expensive in Arkansas is because there are many different types of coverage included in the average policy. Luckily, you have the right to reject many of these policy provisions in writing.
Basic car insurance in Arkansas includes two standard coverage types seen throughout the country:
- Bodily Injury Liability: $25,000 per individual and $50,000 per covered traffic event
- Property Damage Liability: $25,000 per individual
On top of that, Arkansas car insurance firms are required to offer:
- Uninsured Motorist Bodily Injury: Same as Bodily Injury Liability above
- Uninsured Motorist Property Damage: Same as Property Damage Liability (incurs $200 deductible)
- Underinsured Motorist Bodily Injury: Same as Bodily Injury Liability above
- Medical Benefits: $5,000
- Lost Earnings: $140 per week
- Accidental Death Benefits: $5,000 per individual
Wow! That includes many different coverage types that are never considered minimum car insurance in other states. If you didn’t know you can reject these benefits, you might find yourself paying hundreds in extra fees.
Of particular notice here are “Uninsured” and “Underinsured” benefits. Uninsured benefits apply when you are in an accident involving a driver who carries no car insurance whatsoever. Underinsured benefits kick in when you are in an accident and the other driver’s benefits are insufficient to pay for all the covered costs.
Why Is Car Insurance So Expensive In Arkansas?
One of the top questions about cheap car insurance Arkansas drivers have is why it’s so hard to find!
Car insurance in Arkansas is expensive for a few major reasons:
- The state has a higher rate of traffic accident fatalities than the national average
- A relatively large portion of drivers in Arkansas go without insurance (about 17%)
- Severe weather events like winter storms and floods are growing more common
As a rule of thumb, larger urban communities that have higher population density also have more traffic accidents. So, suburban and rural areas with good weather may actually offer you less pricey insurance.
Luckily, there are much easier ways to save money on car insurance in Arkansas than moving away!
How Can You Save Money On Car Insurance In Arkansas?
The best way to get cheap car insurance Arkansas locals can use is to start with a great price from an insurer you trust. As you compare car insurance quotes online, remember that you should always ask insurers what special discounts they are prepared to offer to get your business.
Some common ways to qualify for discount car insurance in Arkansas include:
- Maintain a clean driving record with no car accidents or citations
- Put in modern safety features on your vehicle, like a backup cam
- Pass a defensive driving class offered by a certified traffic school
- Get an affiliation discount, such as a service member discount
Some insurance companies offer special discounts not listed here. You might also get discounted rates if you hold multiple insurance policies, such as car insurance and a homeowner’s policy. In some cases, raising your credit score can also qualify you to save.
What Happens If You Don’t Have Car Insurance In Arkansas?
According to Arkansas law, you must have car insurance before you can register a vehicle. The state recently cracked down on uninsured motorists, making it harder for them to go undetected.
As of 2020, the Arkansas Department of Finance and Administration monitors insurance status proactively. If an insurance policy lapses, drivers get a notice with a $100 reinstatement fee. Since the system checks insurance constantly in real time, it is one of the strictest in the nation.
Driving without insurance can result in suspension of your vehicle registration and license. Even failing to show proof of insurance can lead to penalties.
With all you know, you’re ready to discover cheap auto insurance Arkansas motorists rave about! Cheap Insurance means you can compare Arkansas car insurance online with just a few clicks.
Get started right now or contact the Cheap Insurance team with any questions.
Who Has The Cheapest Car Insurance In Arkansas?
When they want cheap car insurance, Arkansas locals might need to look harder than others do. There are dozens of car insurance companies in Arkansas, but no option is always the best for everyone. To pay less for Arkansas car insurance, it’s important to do enough research.
On average, drivers in their 30s and 40s who have a clean driving record get the most affordable rates on car insurance in Arkansas. But anyone can save money on car insurance in Arkansas when they go online. For the best cheap auto insurance Arkansas drivers should compare quotes from lots of providers.
How Much Is car Insurance In Arkansas?
The annual cost of car insurance in Arkansas depends on how much coverage you buy. The cheap car insurance Arkansas drivers use to save money still meets basic standards set by state law. The minimum Arkansas car insurance can cost less than $40 a month with a good online deal.
Some motorists choose to get full Arkansas car insurance. This costs about $145 on average, but you can reduce the price if you find auto insurance quotes online. With cheap auto insurance Arkansas drivers could save 10%, 20%, 30% or more versus the average cost of car insurance in Arkansas.
What Is Full Coverage Insurance In Arkansas?
“Full coverage” refers to Arkansas car insurance coverage that goes beyond the minimums set by state law. For cheap car insurance Arkansas drivers might choose to hold only the minimum. Full coverage adds more Bodily Injury liability and Property Damage liability coverage in case an accident is severe. Other coverage types can be included, too.
Car insurance companies in Arkansas each have a different definition of “full coverage” based on the maximum amounts they offer. To combine the benefits of more coverage and the best cheap auto insurance Arkansas motorists should compare many quotes online before they open a policy.
What Is The Minimum Auto Insurance Coverage In Arkansas?
On the hunt for cheap car insurance Arkansas drivers usually start with the minimum coverage allowed by law. Arkansas requires you to hold $25,000 per individual and $50,000 per covered traffic event in Bodily Injury liability coverage as well as $25,000 per individual for Property Damage liability coverage.
Watch out! It’s easy to miss out on cheap auto insurance Arkansas residents prefer if you don’t know this about minimums: Insurers will offer you coverage for Uninsured and Underinsured Motorists, Medical Benefits, and even Accidental Death, but you can elect to refuse these in writing. That may keep your costs down.