Arkansas Car Insurance

car insurance Arkansas
Get a Quote
Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
 
Retrieve Saved Quote
Get a Quote
Discover savings with the AARP Homeowners Insurance Program from The Hartford.
 
Retrieve Saved Quote
Start Saving
You could save over $600** when you bundle auto and home.
 
Retrieve Saved Quote

Arkansas Auto Insurance Coverage

auto insurance arkansas From relaxing in the Ozark Mountains to fishing in Randolph County, Arkansas is a wonderful destination to explore. Whether you’re headed to hike in one of the beautiful state parks or driving out for a night in Little Rock, it’s a good idea for even experienced drivers to get the right Arkansas car insurance. With the AARP® Auto Insurance Program from The Hartford,1 you can have peace of mind that you’re protected on the road.
 
In fact, we’ve been protecting Arkansas AARP members and their families since 1984 and have earned a reputation for integrity and trust. We also have high customer ratings for claims services. You can count on us to be there when you need us most.
 
Contact us to get an auto insurance quote or the information you need to buy car insurance in the state of Arkansas.
 

Car Insurance Benefits Offered to Arkansas Drivers

Arkansas drivers could receive valuable car insurance benefits from the AARP Auto Insurance Program from The Hartford, including:
 
  • New Car Replacement§§
  • Accident Forgiveness‡
  • Disappearing Deductible‡
  • 24/7 Claim Service
  • Customer Repair Service Program

What Is the State Minimum for Car Insurance in Arkansas?

In Arkansas, the state minimum coverage amounts for liability car insurance are:2
 

Is Car Insurance Expensive in Arkansas?

According to a 2018 Insurance Research Council report, the average cost of car insurance in Arkansas was $898 per year. This amount is below the average cost in the United States of $1,056 per year. However, the price you’ll pay for Arkansas auto coverage will vary depending on factors like your:3
 
  • Coverage limits
  • Driving history
  • Deductible amounts
  • Average miles driven in a year
  • Vehicle type
The Hartford is an insurance company you can count on to get the full coverage you need. To learn more about auto insurance in Arkansas, get a quote today.
 

Proof of Car Insurance for Arkansas Drivers

car insurance in arkansas If you’re a licensed driver in the state of Arkansas, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Arkansas is also among several states that now accept electronic proof of car insurance. With The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™
 

Arkansas Uninsured Driver Facts

According to a 2021 Insurance Research Council report, 19.3% of Arkansas drivers are uninsured.4 The state of Arkansas does not require drivers to carry uninsured/underinsured motorist coverage but having it can protect you from financial loss if you are involved in an accident with an uninsured motorist.
 

Additional Car Insurance Coverages and Benefits Available to Arkansas Drivers

For added protection, Arkansas drivers may also be eligible for the following optional coverages from the AARP Auto Insurance Program from The Hartford:
 
  • Comprehensive Insurance
  • Transportation Expense
  • Roadside Assistance

Staying Safe on Arkansas’ Roads

arkansas car insurance coverage As you travel through Arkansas, there are a number of safe driving laws meant to protect you on Arkansas’ roads. Here are a few:5
 

Arkansas Seat Belt Laws:

It’s a mandatory law to wear a seat belt while driving in Arkansas.
 

Arkansas Distracted Driving Laws:

Texting while driving is banned for all drivers in the state of Arkansas.
 

Arkansas Teen Driver Laws:

Getting a driver’s license is a rite of passage for teenagers, and Arkansas wants to be sure they stay safe in the process. Arkansas has implemented graduated licensing laws to ensure that young drivers gain the experience and maturity required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
 

How Can I Get a Car Insurance Quote in Arkansas?

The Hartford makes it easy to get an auto insurance quote. Call us at 888-413-8970 or get a quote online in just a few minutes. We’ll help you decide how to get the best car insurance in Arkansas for your needs.
 
 
Last Updated: October 13, 2023
 
2 Arkansas Department of Finance and Administration, “Safety Responsibility.”
 
3 Insurance Information Institute (III), “Average Expenditures For Auto Insurance By State.”
 
4 Insurance Information Institute (III), “Facts + Statistics: Uninsured Motorists.”
 
5 Governors Highway Safety Association (GHSA), “State Laws.”
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 1/1/22 and 12/31/22. Your savings may vary. Average auto insurance savings is $507 and average home insurance savings is $120. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Home product is not available in all areas, including the state of Florida.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
Additional disclosures below.
Arkansas car insurance
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
 
To learn more, read through our auto insurance definitions page.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
Get a Quote