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The state of Arkansas does not mandate personal injury protection (no-fault),
but the motorist must reject such coverage in writing. If s/he chooses to accept
personal injury protection, s/he can choose any or all of the following: medical
payments, lost wages, or death benefits. The state does not require uninsured
and underinsured motorist coverage. At the time a motorist purchases liability
insurance, un- and underinsure motorist coverage will be offered and must be
specifically rejected in writing. The state does not require collision or comprehensive
insurance to be carried.
Arkansans on average paid about $850 in auto insurance premiums in 2003, compared to the national average of about $914. Most people believe all these arkansas auto insurance rates are fixed by arkansas automobile insurance companies and state regulatory agencies, but in reality discounted and competitive arkansas car insurance rates are available in Arkansas.
Drivers in Arkansas enjoy some of the lowest auto insurance rates in the nation.
According to a July 2003 report, Arkansas ranks 33rd among states for the average auto insurance premium; among the states in its region, Arkansas ranks second
only to Tennessee in auto insurance premium rate. The state credits improved use of seat belts,
more cars on the road with extra safety features like air bags and daytime running
lights, and the vigorous enforcement of anti-fraud laws, in reducing arkansas auto insurance rates.
The state permits auto insurance companies to use the following criteria to establish arkansas auto insurance premiums: age, sex, and marital status of the driver; driving record
and accident and ticket history; credit history which arkansas auto insurance companies can use to calculate
possible loss from unpaid car insurance premiums; the purpose to which the car is put; and
the area where the car is garaged and operated. Drivers can lower their arkansas auto insurance quotes by maintaining safe driving records, improving their credit scores, passing
defensive driving courses, and driving vehicles with anti-lock breaks, airbags,
and daytime running lights.
The state of Arkansas mandates the following minimum insurance coverage
for motorists. Minimum liability must include $25,000 in bodily injury coverage
for one person involved in an accident, $50,000 in bodily injury coverage for
two or more persons injured in an accident, and $25,000 in property damage coverage.
Even within the state of Arkansas, auto insurance rates have changed over the past few years. Comparing the current arkansas car insurance rate to the numbers from a few years back, the average arkansas auto insurance premium in 1999 was about $721, that's an increase of about 17.89% in 4 years!
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