- Cheap Arkansas Car Insurance
- What Is Liability-Only Car Insurance?
- What Is Full Coverage Car Insurance?
- Which Insurance Option Is Right for You?
- Get a Free Quote for Car Insurance in Arkansas!
- Arkansas Minimum Liability Insurance Requirements
- What Does Liability Insurance Cover?
- What Happens If You Drive Without Liability Insurance?
- Get Affordable Liability Insurance in Arkansas
- How Liability Insurance Works?
- Why You Should Consider Higher Liability Limits?
- Protect Yourself with the Right Coverage!
- Get a Free Liability Insurance Quote Today!
- Factors That Affect Your Car Insurance Rate
- What’s Included in Full Coverage?
- Common Coverage Options Offered by Most Insurers
- Tips for Finding the Cheapest Car Insurance in Arkansas
- Get a Free Arkansas Car Insurance Quote Today
- Cheap Insurance in Arkansas
- Is Full Coverage Car Insurance in Arkansas Worth It?
- Should You Choose Liability or Full Coverage?
- Q1: What factors determine the cost of Cheap Arkansas Car Insurance?
- Q2: How can I get a quote?
- Q3: Are there discounts available for Cheap Arkansas Car Insurance?
- Q4: What are some of the best, cheap car insurance places in Arkansas?
- OTHER HELPFUL LINKS: SUGGESTIONS
- What You Need to Know About Home and Auto Insurance for RV Owners!
- What We Do at A Plus Insurance
What’s the Difference Between Liability and Full Coverage Car Insurance in Arkansas?
If you’re shopping for cheap car insurance in Arkansas, it’s important to understand the difference between liability insurance and full coverage. Your choice will impact both your premium and level of protection.
What Is Liability-Only Car Insurance?
Liability insurance only covers damage you cause to others in an accident. It does not cover your own vehicle. In Arkansas, the minimum liability requirements are:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
Best for: Drivers looking for the cheapest legal coverage and those with older vehicles they can afford to replace.
What Is Full Coverage Car Insurance?
Full coverage includes liability insurance plus additional protection for your vehicle:
- Collision Coverage – Pays for damage to your car after an accident, regardless of fault.
- Comprehensive Coverage – Covers theft, vandalism, fire, and weather-related damage.
Best for: Drivers who finance or lease their vehicle or want more protection.
Which Insurance Option Is Right for You?
- Liability-only is cheaper, but leaves you at risk for out-of-pocket costs.
- Full coverage costs more but provides greater financial protection.
Get a Free Quote for Car Insurance in Arkansas!
Not sure which Arkansas car insurance policy fits your budget? Call today or get a free online quote to compare liability vs. full coverage rates and find the best option.
What Is Liability Car Insurance in Arkansas?
Liability car insurance is required by law in Arkansas and covers damage or injuries you cause to others in an accident. However, it does not cover your own vehicle or medical expenses.
Arkansas Minimum Liability Insurance Requirements
To legally drive in Arkansas, you must carry at least:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
These are the state minimums, but you can choose higher limits for better protection.
What Does Liability Insurance Cover?
- Bodily Injury Liability – Pays for medical expenses if you injure someone in an accident.
- Property Damage Liability – Covers repair costs if you damage another person’s vehicle or property.
What Happens If You Drive Without Liability Insurance?
- Fines & Penalties – Driving uninsured in Arkansas can result in hefty fines and license suspension.
- SR22 Requirement – You may need to file an SR22 to prove future financial responsibility.
- Out-of-Pocket Costs – Without liability coverage, you may have to pay for damages yourself.
Get Affordable Liability Insurance in Arkansas
Need cheap liability car insurance in Arkansas? Call today or get a free online quote to find the best coverage at the lowest price.
| Liability |
|---|
| Liability insurance is important, and usually required, insurance to have on your auto insurance policy. If you are deemed at fault in a car accident, and are the cause of bodily injury and property damage expenses, you are legally responsible to cover that cost. |
For example, in Alaska and Maine, the minimum requirement that must be held for liability only is 50/100/25. Whereas, in Florida for liability only, the minimum is 10/20/10.
Let’s dive into these numbers a little more using Arkansas minimum liability limits:
| Minimum Amount | Explanation |
|---|---|
| $25,000 | Bodily Injury for a single person |
| $50,000 | Bodily Injury for more than one person |
| $25,000 | Property Damage |
Why Liability Insurance Is Important?
Liability insurance protects you financially if you are at fault in an accident by covering the injuries or property damage of the other party. Without it, you could be personally responsible for paying for damages out of pocket.
How Liability Insurance Works?
- If you cause an accident, your liability coverage pays for the other driver’s medical bills and vehicle repairs.
- If another driver causes the accident, their liability insurance should cover your medical expenses and car damage.
Why You Should Consider Higher Liability Limits?
While states require minimum liability coverage, these limits may not be enough in serious accidents. For example:
- If you have $25,000 in property damage coverage but cause $35,000 in damage, you would be responsible for the remaining $10,000 out of pocket.
- Medical costs after an accident can quickly exceed state minimum coverage limits.
Protect Yourself with the Right Coverage!
To avoid financial risk, consider increasing your liability limits beyond the minimum requirement.
Get a Free Liability Insurance Quote Today!
Not sure if you have enough coverage? Call now or get a free online quote to compare liability insurance options and ensure you’re fully protected.
How Much Does Car Insurance Cost Per Month in Arkansas?
If you’re looking for affordable car insurance in Arkansas, you’ll find that rates vary based on several factors, including your age, driving record, and coverage level. On average, Arkansas drivers pay between $100 and $200 per month for car insurance. However, your actual rate will depend on your unique situation and the insurer you choose.
Factors That Affect Your Car Insurance Rate
Credit Score – A lower credit score may lead to higher premiums.
Driving History – Accidents, tickets, or DUIs can increase your premium.
Coverage Level – Liability-only insurance is cheaper than full coverage.
Age & Experience – Younger drivers typically pay higher rates.
Average Monthly Car Insurance Rates in Arkansas
| Insurance Company | Average Monthly Premium |
|---|---|
| Progressive | $120 |
| Geico | $130 |
| State Farm | $140 |
Get a Free Car Insurance Quote in Arkansas
Want to find the cheapest car insurance rate for your needs? Call today or get a free online quote to compare rates and save money.
What Is Full Coverage Car Insurance in Arkansas?
Full coverage car insurance in Arkansas includes liability, comprehensive, and collision coverage. This type of policy offers greater financial protection than liability-only insurance, ensuring that your vehicle is covered in a wide range of situations.
What’s Included in Full Coverage?
Comprehensive Coverage – Covers theft, vandalism, weather damage, and animal collisions.
Liability Insurance – Covers damage and injuries you cause to others in an accident.
Collision Coverage – Pays for repairs to your vehicle after an accident, regardless of fault.
| Coverage | Explanation |
|---|---|
| Collision Coverage | Collision insurance protects your car from damage sustained in an accident. Collision coverage would take care of fixing your car, minus the deductible of course, if you skidded out on a slick road and ran into a tree. |
| Comprehensive Coverage | Comprehensive insurance protects it against damage sustained in non-accident situations including storms, flooding, hail, vandalism, and theft. |
Do You Need Full Coverage?
Full coverage is recommended if:
- You finance or lease your car (lenders often require it).
- Your vehicle is newer or valuable and expensive to repair.
- You want more protection than just state-minimum liability coverage.
Get a Free Quote for Full Coverage Car Insurance in Arkansas
Want better protection for your vehicle? Call today or get a free online quote to compare full coverage rates and find the best policy for your needs.
How to Find Cheap Car Insurance in Arkansas?
Looking for cheap car insurance in Arkansas? Most insurance companies offer a range of coverage options to fit different budgets. The key to saving money is comparing quotes and choosing the right coverage for your needs.
Common Coverage Options Offered by Most Insurers
- Liability Insurance – Covers damage or injuries you cause to others in an accident.
- Comprehensive Coverage – Protects against theft, vandalism, and weather damage.
- Collision Coverage – Pays for repairs to your vehicle after an accident.
- Uninsured/Underinsured Motorist – Covers you if an uninsured driver causes an accident.
- Medical Payments (MedPay) – Helps cover medical expenses after a crash.
Tips for Finding the Cheapest Car Insurance in Arkansas
- Compare Multiple Quotes – Rates vary by company, so shopping around can help you find the lowest price.
- Ask About Discounts – Many insurers offer safe driver, bundling, and multi-car discounts.
- Adjust Your Coverage – If you have an older car, consider liability-only coverage to save money.
- Increase Your Deductible – A higher deductible can lower your monthly premium.
Get a Free Arkansas Car Insurance Quote Today
Want to find the best deal on car insurance? Call now or get a free online quote to compare options and start saving today
| Coverage | Definition |
|---|---|
| Bodily Injury Liability Insurance (BI) | Bodily injury liability insurance is designed to pay medical expenses for someone else if you injure them in an accident where you’re deemed to be at fault. This coverage can apply to you and to anyone else listed as a driver on your policy |
| Property Damage Liability Insurance (PD) | Property damage liability insurance also covers you in accidents in which you’re at fault. It pays for repairs to the other driver’s vehicle or other property you may damage. |
| Medical Payments or Personal Injury Protection Insurance (PIP) | If you or a passenger in your vehicle are hurt in an accident, medical payments or personal injury protection coverage can help pay any resulting medical bills. This type of coverage can also cover lost wages if you or an injured passenger are unable to work or funeral expenses if someone in your vehicle dies because of an accident. |
| Collision Coverage | While property damage liability insurance pays for damage to someone else’s vehicle or property following an accident, collision coverage pays for damage to your own vehicle or property. That can include damages caused by a collision with another vehicle or hitting a stationary object, such as a tree or fence |
| Comprehensive Coverage | Comprehensive coverage reimburses you for loss, theft, or damage to your vehicle caused by something other than a collision. For example, that can include fire damage, damage from hail and other falling objects, or damage caused by animals |
| Underinsured/Uninsured Motorist Coverage | Underinsured motorist coverage can protect you if you’re involved in an accident where the driver who’s at fault doesn’t have sufficient insurance. Uninsured motorist coverage is meant to protect you if you’re in an accident with a driver who has no insurance at all. |
Cheap Insurance in Arkansas
| Carriers | Liability | Full Coverage |
|---|---|---|
| Diaryland | $81 | $134 |
| Gieco | $93 | $168 |
| Progressive | $99 | $136 |
| Assurance America | $101 | $160 |
| General | $104 | $182 |
| Acceptance RTR | $105 | $164 |
| National General | $106 | $151 |
| Mendota | $108 | $163 |
| Bristol West | $109 | $132 |
| American Family | $112 | $186 |
| Safeco | $116 | $208 |
| 21 Centry | $139 | $172 |
| USAA | $139 | $178 |
| State Auto | $140 | $180 |
| Gainsco | $149 | $167 |
| Liberty | $149 | $178 |
| Travelers | $149 | $209 |
| Farmers | $151 | $146 |
| State Farm | $151 | $203 |
| Nationwide | $153 | $163 |
| AA State | $164 | $174 |
Different insurance companies have different way’s on how they rate the prices for the state. These listed prices are an idea of the average cost for liability and full coverage policy.
However, prices are subject to change due to insurance carriers factoring in things such as your driving history, car history, license number, violations, etc.
The way to get a good quote is to provide the information needed for the agent and they will give you the best-looking quotes set just for you in your area.
Is Full Coverage Car Insurance in Arkansas Worth It?
If full coverage car insurance doesn’t fit your budget, liability-only insurance is a cheaper alternative. However, it comes with higher financial risk since it only covers damage to others—not your own vehicle.
Should You Choose Liability or Full Coverage?
- Liability Insurance – Covers damage you cause to others, but does not pay for your own vehicle repairs.
- Full Coverage – Includes comprehensive and collision coverage, protecting your car from accidents, theft, and weather damage.
How to Find Affordable Full Coverage in Arkansas?
Even if full coverage seems expensive, you can lower costs by:
- Comparing multiple insurance quotes to find the best deal.
- Increasing your deductible to reduce your monthly premium.
- Asking about discounts for safe driving, bundling, or policy renewals.
Get a Free Quote for Full Coverage Car Insurance in Arkansas
Not sure if full coverage or liability-only is the right choice for you? Call now or get a free online quote to compare options and find the best coverage for your needs.
Q1: What factors determine the cost of Cheap Arkansas Car Insurance?
The cost of Cheap Arkansas Car Insurance is influenced by factors such as your driving record, age, type of coverage, and the make and model of your car.
Q2: How can I get a quote?
To get a quote, you can visit our website or call us at 1.888.445.2793 to speak with one of our representatives.
Q3: Are there discounts available for Cheap Arkansas Car Insurance?
Yes, we offer various discounts for Cheap Arkansas Car Insurance, including safe driver discounts, multi-car discounts, and more. Contact us for details.
Q4: What are some of the best, cheap car insurance places in Arkansas?
Some of the best, cheap car insurance places in Arkansas include A Plus Insurance. We strive to provide affordable rates along with excellent coverage. Contact us to explore your options and find the best deal for your car insurance needs.
OTHER HELPFUL LINKS: SUGGESTIONS
What You Need to Know About Home and Auto Insurance for RV Owners!
- Comprehensive RV Coverage: Protects your RV from damages caused by non-collision incidents such as fire, theft, vandalism, and natural disasters. Call us at 1.888.445.2793 to get a personalized RV insurance quote.
- Collision Insurance: Covers damages to your RV if it’s involved in an accident, regardless of fault. Text Us to explore collision coverage options.
- Personal Belongings Protection: RV insurance can cover personal items inside your vehicle, like electronics, camping gear, and clothing. Contact us at 1.888.445.2793 to discuss coverage limits for your belongings.
- Liability Coverage: Provides financial protection if you are responsible for injuries or property damage while operating your RV. Consider adding higher liability limits for peace of mind.
- Roadside Assistance: Many RV insurance policies offer roadside assistance for flat tires, towing, or breakdowns. Text Us to include roadside assistance in your policy.
- Full-Time RV Insurance: Ideal for those who use their RV as a primary residence, providing additional protection similar to homeowners insurance. Call us at 1.888.445.2793 for full-time RV insurance options.
- Storage Option Discounts: Some insurers offer reduced rates for storing your RV during the off-season. Call us at 1.888.445.2793 to find out how to save with seasonal storage options.
- Vacation Liability: Offers coverage for accidents and injuries that occur while your RV is parked at a campsite. Text Us to add vacation liability to your policy.
- Uninsured/Underinsured Motorist Protection: Protects you and your RV if you’re involved in an accident with a driver who lacks sufficient insurance. Ensure you have adequate protection in case of unexpected incidents.
- Custom Equipment Coverage: Provides protection for any customizations or special equipment added to your RV, such as solar panels or satellite dishes. Contact us at 1.888.445.2793 to add custom equipment coverage to your policy.
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Last Updated on by Brian Muse