Best car insurance in Arkansas 2020

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When shopping for car insurance, where you live matters because insurance companies examine risk factors such as traffic conditions and the number of crashes resulting in fatalities and more. Arkansas residents will receive a mixed bag of results.

The good news: Arkansas currently has over two million licensed drivers. That places the state on the lower end of the spectrum for drivers on the road, meaning you could receive a discount if you have a good driving record. However, things even out as Arkansas is 15th nationally in states with the most dangerous drivers.

Not sure where to start?

It’s important to do your homework when searching for Arkansas car insurance companies. A good rule of thumb is to compare several car insurance Arkansas providers.

Along with the price, see who offers you the most protection for the best price—this can include added features such as gap insurance and roadside assistance. Most importantly, examine how customers’ experiences have been when filing a claim, as this gives insight into how well the insurance company treats its customers.

You’ll also want to examine the reputation of each provider. To make the process easier for you, we looked into the best car insurance in Arkansas providers all across the state to bring you the top five.

Best car insurance companies in Arkansas

To find the best Arkansas insurance providers, we researched auto insurance providers’ reputation with J.D. Power, which compiles studies finding the best auto insurance companies based on region. Our picks are:

Here’s how the providers measure up:

Provider J.D. Power Score out of 1000 AM Best Better Business Bureau
Allstate 846 A+ A+
Auto-Owners Insurance 854 A++ A+
Geico 857 A++ A+
Progressive 848 A+ A+
USAA 909 A++ A-

Allstate

Allstate’s variety of coverages can be bundled with home or renters insurance for maximum savings. Allstate’s adoption of technology makes it one of the best Arkansas insurance companies for customers comfortable with tech. You can manage your policies, file claims and learn more about insurance through the Allstate website or mobile app.

Auto Owners

Auto Owners Insurance provides car insurance Arkansas options many other companies don’t, such as gap coverage. If you finance your car and it’s declared as a total loss after a wreck and worth less than what you still owe on it, gap coverage will reimburse you the difference.

Geico

If you’re in search of affordable Arkansas car insurance, be sure to get a quote from Geico. The company offers generous discounts, such as 25% off your premiums for an accident-free history and 15% off for new vehicle coverage.

Progressive

Progressive is a great low-cost option for high-risk drivers and individuals with low credit. Sign up for the Snapshot program, download the mobile app and Progressive will monitor your driving habits. The safer you drive, the more you’ll save on your Arkansas insurance.

USAA

USAA is regularly the highest-rated auto insurance Arkansas insurer. Customers appreciate the level of service delivered for the affordable cost. Unfortunately, USAA isn’t available to everyone. You’ll need to become a member. To qualify, you must be active or retired military or an immediate family member of someone in the military

The average cost of car insurance in Arkansas

The average cost of car insurance in Arkansas is $458 per year for minimum liability insurance. Compared to the rest of the states in the report, Arkansas falls in the middle for auto insurance prices. To compare, the least expensive state is Wyoming at $264 and the most expensive is New York at $1,295.

State minimum insurance requirements in Arkansas

Arkansas drivers must carry insurance that includes bodily injury of up to$50,000 per accident and $25,000 per person. As its name indicates, if you’re involved in an accident that causes injury to another party, this provides payment to them for medical services.

Meanwhile, you must also have a property damage liability of $25,000 per accident. This protects you in the event an accident causes damage to another person’s property such as their automobile.

Car insurance discounts in Arkansas

There are a variety of ways you can save on your Arkansas insurance. To begin, examine each provider to see which discounts they offer. Most providers offer a bundling discount where, if you buy multiple insurance policies, you’ll save money. Considering you need renters or homeowners insurance, bundling rewards you for something you were going to need.

Next, see what safe driving discounts they offer. Some providers like State Farm and Allstate, use monitoring tools to track your driving. This includes when you drive, how often and whether you employ aggressive driving tactics such as speeding or braking suddenly. Use these tools as guidelines for safer driving behaviors because they can help you save significantly.

Finally, ask the provider for any other discounts they offer. This can include good student, military and low-mileage discounts. You might earn a discount based on where you work because some large organizations, like Walmart or the government, offer employee discounts.

Frequently asked questions

What’s the cheapest car insurance in Arkansas?

Geico is among the cheapest auto insurance Arkansas providers for drivers of all credit scores and for those who have had one speeding ticket. USAA is another option to consider if you qualify. However, your insurance rates will be determined by individual factors, so you should get a quote from several companies to see which will be the cheapest for you.

What information is required to get car insurance in Arkansas?

You’ll need basic information such as your name, address, Social Security number and birth date. Additionally, you’ll need to supply vehicle details such as how many miles you drive, the purpose for driving and whether you’ve been involved in any accidents or have had violations such as speeding tickets or DUIs.

Should I get minimum coverage only?

Minimum coverage is an inexpensive way to have the protection needed. However, you might be liable for the remaining balance for accidents that exceed your coverage limit

How do I determine which provider is right for me?

Along with costs, consider the reputation of the provider. What’s its grade with the Better Business Bureau? What’s customer reviews of the company like? How long does it take to process claims? All of these indicators illustrate whether the company provides the level of service you deserve.

What do the best car insurance in Arkansas have in common?

When comparison shopping, the best car insurance in Arkansas companies all have good customer reviews from the Better Business Bureau and other independent review websites. In addition, they provide a variety of discounts so that everyone can save money on their premiums.