Here's what you need to know when driving in Arkansas
Across the Natural State, there are 204,051 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.
The Zebra doesn't support your browser version, so please give us a call or upgrade your browser to the latest version.
Compare the best rates from 11 car insurance companies in Arkansas.
Across the Natural State, there are 204,051 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.
|Rank||Company Name||Avg. Annual Premium|
|4||Southern Farm Bureau||$1,201|
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Arkansas drivers without a recent ticket save 19% on their car insurance, on average — slightly more than the nationwide average. In addition to earning a more affordable premium for staying incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
|Rating Factor||$ Savings||% Savings|
|No Traffic Tickets||$352||19.48%|
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Arkansas, the typical teen driver pays $4,909 annually — approximately equal to the national average for teens, but about three times as much as the average driver in Arkansas.
|Age||Annual Rate with Parents||Annual Rate Alone|
If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will inflate your rates: car insurance premiums typically increase by 27% after a DUI, 32% after an at-fault accident, and 19% after a speeding ticket in Arkansas. These post-incident rate hikes roughly align with national averages. If you have a sparkling clean driving history, be sure to inquire about your insurer's safe driver discount.
|Rating Factor||Annual Rate||% Increase|
Every auto insurer boasts about its low prices. But just like with any product, the cheapest auto insurance isn't always the best choice. Considering the financial stakes, it's worth doing the due diligence to discover an insurance policy that covers your car adequately after an incident. Be patient and look for a great value, rather than settling for the cheapest auto insurance you find.
Compare popular car insurance companies' financial strength and claims satisfaction levels to better understand the level of service you can expect. Claims satisfaction — assigned by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and running from "Superior" to "Poor" — determines an insurer's financial stability and ability to meet its policy and contractual obligations.
|Insurance Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|Cameron Mutual||Not Rated||Good|
|Columbia Insurance||Not Rated||Excellent|
|Southern Farm Bureau||Not Rated||Superior|
|State Auto||Not Rated||Excellent|
|United Automobile||Not Rated||Weak|
The legal auto insurance minimum in Arkansas is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.
If you select the legal minimum coverage in Arkansas, you can expect to pay an average of $616 annually. This cost is less than the national average by 6%. If you choose better coverage, you can purchase a policy with comprehensive and collision coverage, protecting against damages caused by car collisions, theft, or weather incidents. But better coverage comes at a cost: in Arkansas, a comprehensive insurance policy with a $1,000 deductible costs $1,304, 112% more than basic insurance coverage. For a comprehensive policy with a $500 deductible, you can expect to pay 139% more than you would for a basic policy.
Compare typical rates for basic, better, and best coverage levels below.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
Liability coverage is legally required in Arkansas and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Arkansas, the minimum is listed as 25/50/25 and explained below:
These numbers reflect the minimum limits required in Arkansas but higher coverage amounts are available with most companies.
Most insurance experts recommend liability limits of 50/100/50 or above. But if you own the vehicle, you only need to carry insurance that meets Arkansas' state minimum coverage levels. Currently, Arkansas only requires coverage of $25,000 per person and $50,000 per accident for bodily injury, and $25,000 in property damage coverage.
If you are not leasing or financing your vehicle, you can simply cover the vehicle at Arkansas' state minimum. If your vehicle is damaged in an at-fault accident, you would receive zero compensation.
This depends on your specific insurance policy. Some companies allow your current coverage to transfer to any newly acquired vehicles for two to four weeks. Call a customer service representative or agent at your current provider to verify.
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Springdale, Arkansas, and the most expensive in Little Rock, Arkansas.
|Rank||City||Avg. Annual Premium|
|3||North Little Rock||$1,597|
Arkansas’s lookback period is five years. Repeated DUIs within these five years are cumulative, so multiple offenses will lead to harsher penalties and fines.
First-time offenders over the age of 21 found to be DUI in Arkansas:
Drivers are speeding in Arkansas when speeds are greater than what is considered “reasonable and prudent” for any existing conditions or hazards (such as inclement weather).
Speed limits in Arkansas are:
Driving with a “wanton disregard for the safety of persons or property” is considered reckless driving in Arkansas. In other words, willfully driving in an unsafe and dangerous way means you are driving recklessly and will be subject to strict fines and penalties.
Drivers are guilty of distracted driving in Arkansas if they are using a wireless device to write, send, or read text-based communications or to access, read, or post to social media. Drivers under 18 years old are prohibited from using a cell phone in any mode, including hands-free, for any reason except an emergency.
Arkansas drivers between 18 and 21 years old may use the hands-free mode of a cell phone, but are prohibited from using any handheld functions except in the case of an emergency. Drivers 21 years old or older talk on a handheld or hands-free device except when driving through a school zone or highway work zone. In these locations, they may only use hands-free functionality.
Racing in Arkansas is when one or more vehicles travel at “excessive or dangerous speeds” to:
If you get a ticket, your auto insurance costs will probably rise. How much your rates rise depends on the specific citation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a snapshot of average car insurance rates in Arkansas after a few common violations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$2,285||53%||$788|
|Refused Breathalyzer/Chemical Test||$2,148||44%||$652|
|Driving with a Suspended License||$2,266||51%||$770|
|Driving with an Open Container||$2,043||37%||$547|
|Operating a Vehicle Without Permission||$1,847||23%||$350|
|Passing a School Bus||$1,967||31%||$471|
|Following Too Closely||$1,923||29%||$427|
|Failure to Stop at a Red Light||$1,842||23%||$346|
|Driving Wrong Way/Wrong Lane||$1,921||28%||$425|
|Failure to Yield||$1,842||23%||$346|
|Speeding in a School Zone||$1,811||21%||$315|
|Driving Too Slowly||$1,810||21%||$314|
|Driving with Expired Registration||$1,496||0%||$0|
|Failure to Show Documents||$1,496||0%||$0|
|Failure to Use Child Safety Restraint||$1,496||0%||$0|
|Failure to Wear a Seat Belt||$1,496||0%||$0|
|Driving Without Lights||$1,496||0%||$0|
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Arkansas area, while also getting an insider view of the Natural State.
So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.
The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.
Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.
Your original video should not exceed 2 minutes
The video must be hosted on YouTube or Vimeo
Email your submission to email@example.com
your name, address, and phone number when you submit
Selected winner(s) will be awarded a check for $1,000
Applications must be received by 11:59 p.m. CST on December 31st, 2019
Winner(s) will be selected and notified by email by January 31st, 2020
The winner will be selected based on creativity in the content and presentation
*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.
By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...