Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Nov 13, 2020

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Arkansas Statistics Summary 
Road MilesTotal in State: 102,595
Vehicle Miles Driven (in millions): 34,024
Driving DeathsSpeeding – 116
Drunk Driving – 140
VehiclesRegistered: 2,685,739
Total Stolen: 5,601
Population3,013,825
Most Popular VehicleSierra 1500
Average Premiums (Annual)Liability – $394.13
Collision – $321.80
Comprehensive – $190.41
Combined Premiums – $906.34
Percent of Motorists Uninsured16.6%
State Rank: 9th
Cheapest ProviderUSAA
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Home to Bill Clinton and the extensive, rugged Ozarks, Arkansas is the hidden gem of the United States. Few other states have as many national parks as this southern state, and driving through it can reveal hundreds of natural secrets.

Explore limestone caves, steamy marshes, and the bustling cities that define Arkansas for everyone who lives there.

If you're just moving to Arkansas, or if you want to try and drive more efficiently on the state's roads, digging through the various car insurance options can be a trial. Well, don't worry. We want to help you really enjoy the expanse of the state you're living in.

We've created a comprehensive guide to Arkansas's car insurance providers, driver laws, and daily roadside experience that'll make it easier for you to drive through the Natural State on a daily basis.

You can even start comparing Arkansas car insurance rates today with our FREE online tool. All you have to do is entered your ZIP code to get started.

If you want to dig deep into car insurance in Arkansas, come with us! We'll make understanding the state's laws and legalities a little bit easier.

Table of Contents

Arkansas Car Insurance Coverage and Rates

When you're learning something new, it's best to start with the basics. Let's take a look at Arkansas's minimum coverage, available car insurance plans, and the ways the state's demographic, age, and location variables can impact your rates.

Arkansas Minimum Coverage

Arkansas, like all of the other states in the United States, requires that its drivers at least have a minimum amount of coverage before they get out onto the road. Take a look at Arkansas's breakdown below:

Insurance RequiredMinimum Limits: 25/50/25
Bodily Injury Liability Coverage$25,000 per one person
$50,000 per accident
Property Damage Liability Coverage$25,000 minimum
Personal Injury Protection (optional)$5,000 minimum
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It's important to acknowledge these minimum requirements before Arkansas is an at-fault state.

What does that mean? Well, if you get into an accident in an at-fault state, one driver will be determined to be "at-fault." That driver will then have to take on the costs of the entire accident. If you don't have state minimum coverage, then an accident can make your bank account suffer.

When you have liability coverage, you can ensure that everyone involved in a car accident receives the compensation that they're due.

As we touch on in the chart below, you can break down Arkansas's minimum liability coverage as follows:

  • $25,000 – to cover the injury or death of a single person in a car accident where you’re found to be at-fault
  • $50,000 – to cover the injuries or deaths or more than one person in a car accident wherein you’re found to be at-fault
  • $25,000 – to cover the recovery or repair of any property that was damaged in an accident wherein you’re found to be at-fault

Keep in mind the fact that these minimum rates take care of other people's injuries or property damage. You should also note that, in the state of Arkansas, you're required to have $5,000 minimum of no-fault coverage, or personal injury protection (PIP),

We'll touch a little more on PIP and MedPay in a little bit, but this kind of coverage will protect you should you be in a wreck.

Forms of Financial Responsibility in Arkansas

Arkansas residents like yourself who happen to get in an accident are required by the state to fill out a Safety Responsibility (SR-1) accident form. In addition to this paperwork, you'll have to submit proof of insurance to the state within 30 days of your accident.

You won't have to submit proof of insurance if the property damage that the accident caused exceed $1,000 or if the other person involved has been injured or died.

Because proof of insurance is so important to the legalities of driving in Arkansas, you'll want to keep some version of it in your glove box whenever you're driving. That said, the state of Arkansas does not require you to have proof of insurance on you while driving. Rather, it's better to be safe than sorry.

More importantly, you'll want to have a copy of an SR-1 on your person or in your glove box in case you get in an accident. It's better to have this paperwork on you so you can fill it out quickly — without the appropriate compensation, the $1,000 that the state allows can disappear in the blink of an eye.

Premiums as a Percentage of Income in Arkansas

State minimum coverage comes in handy, but more often than not you'll want to have more to protect you while you're on the road.

As such, you'll need to know how much it'll cost you to maintain car insurance over the course of a year.

As of 2014, the state of Arkansas reported that its residents' annual per capita disposable income — the amount of money residents had to spend after they paid their taxes — came in at about $33,929.

Divvy that number by 12, and Arkansas residents have roughly $2,827 to spend on utilities, groceries, mortgages, and yes, car insurance every month.

That may seem like a reasonable amount of money to work with, but you need to consider how much the coverage you want costs in Arkansas. In general, residents pay roughly $900 a year for their preferred car insurance coverage — a generous 2.7 percent of a resident's DPI.

Naturally, then, you'll want to be careful when choosing the best car insurance coverage for your lifestyle.

Core Coverage

There are a variety of different types of coverage available to you as a resident of Arkansas, as you can see in the table below:

Coverage Type:Annual Costs in 2015:
Collision$321.80
Comprehensive$190.41
Liability$394.13
Combined$906.34
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This data is provided by the National Association of Insurance Commissioners, though it dates back to 2015. It should be noted that the rates listed alongside these types of coverage are going to be much higher as of 2019 and beyond.

These coverage types all extend beyond the minimum coverage that the state of Arkansas requires, and they can go far to protect you if you happen to be declared "at-fault" after an accident.

Additional Liability

You can also shore up your car insurance by seeking out additional liability. You can gauge the reliability of these types of insurance by taking their loss ratios into account.

Loss ratios that are higher than average — say, ranging from 80 percent and above — indicate that a car insurance company is willing to pay out on the claims you may issue. These companies, however, also put themselves at financial risk.

Car insurance companies with lower loss ratios are more financially secure, of course, but they are also less likely to pay out on their claims.

Loss Ratio201220132014
Medical Payments (Med Pay)84%78%69%
Uninsured/Underinsured Motorist68%69%68%
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The types of car insurance listed above — Med Pay and Uninsured or Underinsured Motorist coverage — aren't required by the state of Arkansas. However, they'll support you if you happen to get in an accident in Arkansas.

These types of insurance are especially important to consider given that Arkansas ranks 9th in the United States for uninsured or underinsured drivers.

Add-ons, Endorsements, and Riders

There are other ways you can expand on your car insurance coverage. Take a look at some of the most cost-effective extensions below:

  • Guaranteed Auto Protection (GAP)
  • Personal Umbrella Policy (PUP)
  • Rental Reimbursement
  • Emergency Roadside Assistance
  • Mechanical Breakdown Insurance
  • Non-Owner Car Insurance
  • Modified Car Insurance Coverage
  • Classic Car Insurance
  • Pay-As-You-Drive or Usage-Based Insurance

You can integrate these types of car insurance into your coverage fairly easily, depending on which coverage provider you opt to work with. Don't let the research process intimidate you! You'll find that doing your research helps you save money in the long run.

Males vs. Female Drivers in Arkansas

If you're worried about the rates you'll have to pay, know for a fact that there are some statistics that'll impact how much car insurance companies charge you for your coverage. It's a car insurance myth that your gender will influence the expense of your rate.

Supposedly, women receive cheaper rates than their male counterparts. If you take a look at the data below, though, you'll see that's not quite true.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate P&C$2,908.00$2,928.74$2,593.49$2,774.39$10,596.85$12,699.62$3,211.86$3,487.30
Farmers Ins Co$2,316.82$2,306.44$2,070.77$2,176.91$9,693.38$10,046.95$2,654.22$2,797.50
Geico General$2,536.43$2,508.78$2,340.15$2,274.76$6,588.67$6,607.80$2,492.72$2,527.69
Nationwide Mutual$2,629.04$2,679.98$2,359.97$2,495.08$6,363.21$8,114.04$3,008.14$3,244.81
Progressive NorthWestern$2,820.71$2,675.07$2,318.03$2,422.91$11,868.05$13,373.52$3,372.76$3,645.70
Safeco Ins Co of IL$2,324.12$2,488.44$2,220.47$2,477.39$8,280.70$9,115.49$2,511.18$2,626.04
State Farm Mutual Auto$1,757.39$1,757.39$1,571.32$1,571.32$5,051.46$6,355.63$1,979.45$2,268.23
Travelers Home & Marine Ins Co$2,222.90$2,265.25$2,194.96$2,201.72$12,955.34$20,822.43$2,377.54$2,746.50
USAA$1,336.55$1,349.38$1,240.31$1,248.11$4,210.03$4,407.45$1,721.30$1,855.30
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Age, in fact, contributes to the rate you'll receive more so than your gender. Younger drivers are charged higher car insurance rates than their older, married counterparts. Of course, though, these rates will change depending on the provider you're interested in working with.

Arkansas ZIP Codes

The county in which you live in Arkansas also alters the car insurance rates that different providers will offer you. Urban areas, as you might expect, tend to have higher rates than rural ones.

Take a look at the table below and see for yourself the ways that these rates can vary.

ZIP CodeHighest Average Rate ZIP CodeLowest Average Rate
72202$4,957.1572626$3,675.93
72204$4,910.6872687$3,701.73
72201$4,910.2872634$3,706.66
72209$4,824.2572761$3,714.85
72206$4,813.8472619$3,719.26
72332$4,759.2972941$3,727.89
72205$4,748.9172768$3,730.83
72114$4,747.3872745$3,732.84
72342$4,725.9972653$3,733.80
72390$4,698.7572635$3,737.78
72169$4,681.8172633$3,740.11
72227$4,667.2672719$3,740.12
72355$4,660.2572658$3,744.24
71759$4,632.6572951$3,746.65
72210$4,617.7772642$3,750.39
72369$4,603.8272840$3,752.32
71823$4,602.5672758$3,753.45
72312$4,594.1072712$3,756.99
72322$4,591.5172747$3,760.25
72211$4,574.1272601$3,760.28
72374$4,570.5172661$3,760.68
72366$4,559.1972832$3,761.40
72135$4,559.0972820$3,763.31
72462$4,558.6672644$3,764.03
72383$4,554.5872830$3,764.38
72037$4,554.5272839$3,766.14
72223$4,533.1072943$3,766.31
72212$4,518.9872733$3,768.92
72207$4,514.4672903$3,772.41
72328$4,508.8372735$3,773.59
72360$4,494.4672937$3,775.02
71646$4,493.8772949$3,775.82
72367$4,492.8172734$3,777.59
72333$4,478.2272821$3,778.37
71601$4,473.7272636$3,778.47
72065$4,472.7472801$3,779.21
72103$4,467.0472651$3,786.15
72180$4,442.8672936$3,788.31
71675$4,442.8572682$3,788.34
71635$4,441.8072847$3,788.68
72118$4,441.3372715$3,790.40
71603$4,440.9872722$3,792.36
72389$4,440.6172729$3,792.99
71663$4,437.3972908$3,793.25
72132$4,435.0472732$3,793.96
72113$4,433.5072742$3,794.09
71654$4,432.2772714$3,794.62
72376$4,431.2172615$3,794.88
71667$4,425.0872923$3,798.08
72142$4,416.8872959$3,803.91
71666$4,415.5672769$3,804.01
71676$4,412.4372744$3,805.26
72183$4,409.4672756$3,805.92
72348$4,406.9372855$3,805.98
72311$4,402.1672631$3,810.69
72320$4,401.9172751$3,810.74
72341$4,400.5272749$3,811.51
71678$4,397.3172537$3,813.14
71956$4,383.5872672$3,815.53
71658$4,383.4472675$3,815.59
71630$4,382.0472753$3,816.07
71674$4,381.2372752$3,817.02
71661$4,376.7972916$3,817.20
72164$4,376.4072739$3,820.14
71659$4,374.6672865$3,820.19
71968$4,371.5672685$3,820.75
72133$4,371.0572773$3,821.96
72368$4,369.6072764$3,823.90
72011$4,362.2172736$3,825.09
71964$4,362.0772704$3,825.45
71677$4,360.0472933$3,828.13
72117$4,359.4572774$3,828.56
71640$4,358.3872854$3,828.88
71653$4,352.0572823$3,828.93
71639$4,351.5372762$3,829.02
71913$4,347.8372617$3,829.04
71655$4,344.2672616$3,829.30
71643$4,340.3072666$3,829.81
72122$4,338.1472718$3,833.38
71901$4,337.6572659$3,835.29
72022$4,335.5572930$3,835.64
71602$4,333.7072927$3,837.27
72129$4,332.5372852$3,838.35
71671$4,330.6872737$3,838.46
71642$4,330.4972837$3,838.64
72339$4,329.5372835$3,840.28
72379$4,326.4672624$3,840.63
71929$4,324.8272904$3,841.68
72002$4,324.6872628$3,842.72
72384$4,323.4772863$3,842.80
71949$4,319.6772901$3,843.14
72120$4,318.3772727$3,843.47
71662$4,316.9572717$3,844.04
71652$4,311.8772845$3,844.41
72128$4,311.6872802$3,845.20
72364$4,310.9172858$3,847.39
72550$4,308.9972938$3,850.23
72327$4,303.3272668$3,850.55
71854$4,302.6372544$3,855.55
72087$4,300.4272843$3,855.82
71837$4,299.1372660$3,856.90
71826$4,297.9772856$3,858.60
71748$4,295.7972662$3,861.27
72152$4,290.9772928$3,861.77
72079$4,290.2072932$3,862.21
71644$4,289.8672738$3,863.57
71670$4,289.5372640$3,870.89
72373$4,286.7272703$3,874.93
72340$4,285.5972956$3,876.27
72301$4,284.6172632$3,878.35
72168$4,279.8072721$3,879.99
71660$4,276.8672921$3,882.75
71747$4,276.6572701$3,883.42
72116$4,276.1172940$3,884.38
72015$4,275.5172669$3,885.12
71933$4,271.3272740$3,886.97
71943$4,271.1672842$3,889.58
72353$4,270.9972730$3,890.25
71638$4,269.2172679$3,890.86
72019$4,268.8972846$3,893.18
72377$4,266.8172611$3,893.59
72331$4,264.9572683$3,895.67
72352$4,263.4172686$3,896.04
71909$4,262.1772655$3,903.55
72329$4,261.4072641$3,905.27
72568$4,260.6272650$3,905.47
72105$4,260.5772623$3,909.73
72527$4,260.3372638$3,912.51
72396$4,258.8472776$3,918.25
71631$4,258.4772945$3,918.96
72346$4,257.4272648$3,921.34
71647$4,257.0272934$3,925.17
72046$4,256.4272851$3,926.14
72076$4,255.8672946$3,929.74
71651$4,254.7872947$3,931.69
72472$4,254.2172034$3,937.61
71952$4,252.8672110$3,940.34
71935$4,250.8872958$3,943.41
71845$4,247.1972760$3,946.03
72175$4,241.2871945$3,947.54
71921$4,240.7472032$3,951.48
72150$4,240.4271953$3,955.98
72072$4,236.0972070$3,956.09
72004$4,235.4072952$3,956.38
71765$4,235.2772001$3,957.08
72391$4,230.9272454$3,962.19
72167$4,230.0672080$3,964.23
71861$4,229.1772045$3,968.01
72529$4,226.6872415$3,968.65
71665$4,224.7372834$3,969.59
71750$4,224.3072955$3,970.21
71950$4,224.1872063$3,974.36
71749$4,221.9172944$3,975.03
72566$4,221.4171937$3,975.95
72387$4,220.1272434$3,976.25
72677$4,219.6972125$3,980.21
72084$4,218.2772160$3,981.55
72386$4,214.8872035$3,981.80
71834$4,212.7472141$3,982.05
72099$4,212.4172060$3,983.23
71940$4,211.9072670$3,983.66
72350$4,211.0472460$3,985.96
72556$4,210.3772003$3,989.59
71762$4,210.0972315$3,991.65
72534$4,209.8272948$3,992.81
71959$4,208.2472833$3,993.79
71971$4,207.1572181$3,994.77
71840$4,206.9872170$3,996.48
72069$4,205.5972370$3,996.61
71853$4,203.8772426$3,997.00
72016$4,201.3271973$3,998.59
71770$4,199.9972433$4,000.00
72338$4,199.1572156$4,005.88
72313$4,199.1572088$4,002.60
72513$4,198.0572012$4,006.27
71965$4,195.5972824$4,007.32
72123$4,194.7772438$4,008.51
72561$4,194.1972629$4,009.96
72470$4,193.8372419$4,010.65
72395$4,193.0772017$4,011.75
71831$4,192.8572157$4,012.83
72567$4,192.7672442$4,013.02
71764$4,190.6672149$4,013.44
71724$4,190.5172657$4,013.94
72467$4,190.4372853$4,015.16
72530$4,189.9472068$4,016.31
71860$4,189.0672042$4,018.57
72577$4,188.2372461$4,018.76
71839$4,187.3872445$4,019.14
72432$4,186.6872950$4,019.82
71725$4,186.2172841$4,020.76
71758$4,185.8872153$4,021.57
72501$4,185.6872531$4,023.62
71832$4,185.6872059$4,021.90
72523$4,185.6072476$4,024.13
71842$4,185.3572041$4,024.90
71958$4,184.6072926$4,026.54
72365$4,184.6072121$4,024.93
72569$4,184.4672064$4,026.55
72166$4,183.9672639$4,027.03
72104$4,183.4672578$4,027.33
71753$4,182.6072029$4,029.70
72140$4,180.8772437$4,029.71
71742$4,178.4872458$4,030.37
71730$4,178.4772083$4,030.58
72126$4,177.8972827$4,032.91
72521$4,177.6172027$4,033.28
72057$4,176.8771944$4,033.79
71957$4,176.6272471$4,034.86
71969$4,176.0672473$4,037.03
71923$4,174.5672134$4,037.85
72422$4,173.8072102$4,040.32
72325$4,172.6472838$4,044.67
72321$4,171.8472330$4,047.96
72101$4,171.3172524$4,048.63
72526$4,171.1772130$4,049.19
71961$4,171.1372455$4,051.89
72579$4,171.1171972$4,051.95
71836$4,170.5772082$4,053.36
71833$4,169.4472061$4,053.82
72517$4,168.4371857$4,055.81
72392$4,168.4172058$4,057.14
72394$4,168.2372358$4,057.43
72048$4,167.6072447$4,058.14
71970$4,167.5172410$4,058.32
71922$4,167.3972431$4,059.56
72522$4,166.3172428$4,061.12
72542$4,165.3772075$4,061.31
72540$4,165.2872565$4,061.66
71960$4,164.4972546$4,062.02
71941$4,162.7172519$4,062.33
71820$4,160.9672026$4,062.53
72039$4,160.2672044$4,063.60
71847$4,158.3372013$4,064.16
72179$4,158.2072178$4,064.71
72023$4,157.5372031$4,064.91
72429$4,154.8672107$4,065.41
72335$4,153.8872351$4,066.53
71744$4,153.2172857$4,066.85
71801$4,152.3971722$4,067.73
72137$4,151.7172020$4,067.74
72572$4,151.6072538$4,068.32
71862$4,149.9272520$4,069.16
72475$4,149.9172047$4,069.46
72441$4,148.5172465$4,070.35
72131$4,147.9272413$4,070.60
71825$4,147.1272310$4,070.80
71751$4,146.6272560$4,071.01
71962$4,146.6172414$4,073.09
72584$4,146.1572474$4,074.34
72562$4,145.6772680$4,074.39
72571$4,143.8372112$4,074.50
72165$4,142.8772010$4,077.27
72066$4,142.0272543$4,078.00
72421$4,140.0972006$4,078.23
72424$4,139.9972176$4,079.23
72469$4,139.7272055$4,079.64
72417$4,139.6471721$4,082.83
72074$4,139.5272581$4,083.46
71859$4,139.3972576$4,085.37
72372$4,138.8972040$4,086.07
72324$4,138.8272404$4,086.26
72052$4,138.3672127$4,087.64
71745$4,138.2671858$4,088.10
72425$4,138.2472663$4,088.11
72478$4,136.3972536$4,088.67
72051$4,135.8372073$4,088.75
72347$4,134.8972512$4,089.98
72007$4,134.1072587$4,090.11
72024$4,133.6371772$4,091.54
71999$4,132.5472025$4,091.83
71740$4,132.3572111$4,092.60
72326$4,132.1672440$4,093.60
71838$4,131.0672354$4,094.01
72573$4,130.2072436$4,094.57
71835$4,129.6672143$4,095.71
71822$4,128.5171851$4,096.05
72435$4,128.0772430$4,096.77
72401$4,128.0172555$4,097.05
71841$4,127.7771720$4,097.81
71942$4,127.1672450$4,098.11
72021$4,125.6671743$4,098.90
72136$4,125.5472457$4,099.55
72585$4,125.4572036$4,099.70
71846$4,125.3472038$4,099.73
72139$4,125.0772030$4,099.78
71766$4,124.9972412$4,100.53
71763$4,124.9871852$4,101.58
71866$4,124.1672539$4,101.73
71726$4,123.7372533$4,102.16
72528$4,122.6372449$4,102.24
72860$4,122.4671701$4,102.55
72479$4,122.1672453$4,102.70
72182$4,121.6172086$4,103.61
71932$4,121.3272416$4,103.63
72411$4,121.2472444$4,103.75
72464$4,120.1572173$4,103.85
71920$4,118.4572081$4,103.88
72067$4,117.8272482$4,104.47
72085$4,117.7271998$4,105.14
71828$4,117.5272459$4,105.16
71827$4,117.0672005$4,105.59
72014$4,116.0872828$4,107.19
72515$4,115.3871855$4,107.57
71752$4,115.3372456$4,108.16
72645$4,113.8072583$4,108.27
72564$4,113.1972554$4,108.73
71728$4,112.9172443$4,110.26
72106$4,111.7172466$4,110.68
71865$4,111.5471864$4,110.98
----72532$4,111.44
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Most Expensive and Least Expensive Carrier Rates by City

In the same vein, the cost of your insurance will vary based on the city you live in. Take a look at the table below and see how rates in Arkansas differ from one city to another.

[table “166Lowest” not found /]

Arkansas Car Insurance Companies

One of the great things about looking for car insurance is that there is a plan for everyone. There are dozens of car insurance providers who are able to work with you in order to help you find the exact kind of coverage that you need.

That said, it can be exceptionally difficult to work your way through all of those plans on your own.

That's why you've got us. We're here to help you dig deeper into Arkansas's largest car insurance companies and the coverage that they have to offer. Keep on reading to learn more about these companies' ratings, complaint records, and the coverage they have to offer.

The Largest Companies Financial Rating

Let's start things out with a general overview. AM Best awards rate Arkansas's insurance providers by their financial rankings, stacking them up with grades ranging from A to A++. As you might guess, the more pluses an insurance company has, the better the financial rating it has.

ProvidersAM RatingDirect Premiums WrittenMarket ShareLoss Ratio
State Farm GroupA19566.99%25.69%
Southern Farm Bureau Casualty GroupA+79269.46%12.78%
Shelter Insurance GroupA42467.43%8.60%
Allstate Insurance GroupA+05347.21%7.24%
Progressive GroupA+85558.71%7.18%
GeicoA++94070.69%5.65%
USAA GroupNR07173.14%4.73%
Liberty Mutual GroupA24561.30%4.12%
Farmers Insurance GroupNR77652.42%4.10%
Nationwide Corp GroupA+50651.80%2.95%
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These rankings are based on companies' loss ratios, market shares, and direct premium composition, meaning that all elements of the companies' financial standings have been assessed in determining the rank.

Companies with Best Ratings

If you want to move away from finances, you can rely on J.D. Power to give you a comprehensive guide to car insurance companies' customer ratings. Take a look below and see how the companies in Arkansas stack up when compared to one another.

JD Power insurance ratingsAs you can see, companies like Shelter and Geico outrank a number of their peers in terms of customer satisfaction. Not everything can be determined by customer satisfaction, though. Let's dig a little deeper.

Companies with Most Complaints in Arkansas

On the flip side of customer satisfaction are customer complaints. Take a look at how Arkansas's car insurance providers compare to one another when their complaint records are taken into account.

CompanyDirect Written PremiumsComplaint Index
21st Century$8,493,6672.1811
AAA / Automobile Club$26,115,5980.5675
Alfa$26,366,4354.0752
Allstate$109,194,7320.7804
ANPAC$7,675,9880.4827
Auto-Owners$10,892,4190.3402
Cincinnati Ins Co$6,993,2520.5298
Columbia Insurance Group$11,471,6860
Cornerstone$6,669,1150
Dairyland$6,473,6242.8617
Direct General$11,892,5843.427
Esurance$5,691,8300
Fairfax / American Underwriters$10,462,8061.0624
Farmers$78,015,3671.4722
Geico$81,792,5291.4949
Hanover$14,669,0563.0309
Hartford$24,437,3241.2129
Imperial Fire & Casualty$6,296,5102.9422
Liberty Mutual$11,136,7250.6654
MetLife$14,463,7570.2562
Nationwide$61,851,3290.4792
Progressive$93,506,2501.2283
Safeco$33,813,2100.9862
Shelter$125,866,9660.5593
Southern Farm Bureau$206,211,1660.4312
State Auto$19,414,8471.145
State Farm$375,631,8480.503
Travelers$26,897,5230.6887
United Automobile$5,921,76111.8878
USAA$67,525,8831.0425
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While complaint indexes do reflect companies' ability to interact with their consumers on a daily basis, they don't dictate whether or not a company will fulfill your claim. There's still important to consider, though, when considering a provider's HR capabilities.

Arkansas Car Insurance Rates by Company

We know that you'll want to learn more about the rates that each of Arkansas's biggest car insurance providers have to offer. Take a look at the table below and see for yourself how the rates of coverage vary across Arkansas.

CompanyAverageCompared to State AveragePercentage Over/Under State Average
Allstate P&C$5,150.03$1,038.33+20.16%
Farmers Ins Co$4,257.88$146.18+3.43%
Geico General$3,484.63-$627.07-18.00%
Safeco Ins Co of IL$4,005.48-$106.22-2.65%
Nationwide Mutual$3,861.78-$249.92-6.47%
Progressive NorthWestern$5,312.09$1,200.39+22.60%
State Farm Mutual Auto$2,789.02-$1,322.68-47.42%
Travelers Home & Marine Ins Co$5,973.33$1,861.63+31.17%
USAA$2,171.05-$1,940.65-89.39%
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Average rates, as you can see, can differ significantly in Arkansas. USAA, for example, is nearly $2,000 less expensive than Allstate in terms of company averages.

Commute Rates by Company

Companies will sometimes vary their rates based on the commute you make on a daily basis, too. While not all providers do this, you should still know which ones may charge you more for taking longer to get to work in the morning.

Group10 miles commute/6,000 annual mileage25 miles commute/12,000 annual mileage
Allstate$5,150.03$5,150.03
Farmers$4,257.87$4,257.87
Geico$3,461.03$3,508.22
Liberty Mutual$4,005.48$4,005.48
Nationwide$3,861.78$3,861.78
Progressive$5,312.09$5,312.09
State Farm$2,721.97$2,856.08
Travelers$5,973.33$5,973.33
USAA$2,109.20$2,232.91
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The longer your commute is, the more likely it is that your car insurance coverage rate will be a little bit higher.

Coverage Level Rates by Company

Similarly, the amount of coverage you purchase will impact your rate. Take a look at the table below to see how different types of coverage vary in cost:

CompanyHigh Coverage LevelMedium Coverage LevelLow Coverage Level
Allstate$5,296.98$5,146.99$5,006.12
Farmers$4,509.37$4,214.22$4,050.03
Geico$3,628.49$3,483.6$3,341.79
Liberty Mutual$4,170.01$3,977.85$3,868.57
Nationwide$3,915.62$3,783.13$3,886.6
Progressive$5,831.14$5,221.81$4,883.32
State Farm$2,927.56$2,786.42$2,653.1
Travelers$6,245.09$5,989.75$5,685.15
USAA$2,268.89$2,163.34$2,080.93
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Naturally, the less coverage you have, the less you'll have to pay. Just remember that you need to maintain the Arkansas minimum liability coverage in order to drive legally on the road.

While purchasing less coverage may sound like a financially-sound decision in the moment, getting in an accident can cost you a lot more if you don't have enough coverage to take care of the expenses that come along with an accident.

Credit History Rates by Company

Your credit history reflects your ability to pay back expenses that you've sought out in other places. Naturally, then, car insurance providers will take your credit history into account when offering you an insurance rate.

Note that Arkansas residents have an average credit score of 657.

CompanyAnnual Rate Poor CreditAnnual Rate Fair CreditAnnual Rate Good Credit
Allstate$6,472.14$4,957.59$4,020.37
Farmers$4,845.12$4,060.17$3,868.33
Geico$4,174.77$3,431.81$2,847.29
Liberty Mutual$5,786.43$3,493.43$2,736.58
Nationwide$4,566.24$3,673.03$3,346.08
Progressive$6,026.44$5,135.36$4,774.48
State Farm$4,040.73$2,432.50$1,893.84
Travelers$6,854.36$5,719.88$5,345.75
USAA$2,875.86$1,963.67$1,673.63
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As you can see, the poorer your credit, the higher your car insurance rate will be.

Driving Record Rates by Company

Your driving history will also have an impact on the rate that your car insurance provider of choice is able to offer you.

CompanyClean Driving RecordOne Speeding CitationOne AccidentOne DUI
Allstate$4,247.65$5,074.04$5,344.99$5,933.45
Farmers$3,599.68$4,315.87$4,611.04$4,504.91
Geico$2,361.95$2,541.89$3,625.74$5,408.92
Liberty Mutual$2,728.95$3,668.24$4,435.22$5,189.50
Nationwide$3,003.05$3,306.76$3,881.91$5,255.42
Progressive$4,579.61$5,496.11$6,359.88$4,812.78
State Farm$2,561.18$2,789.02$3,016.88$2,789.02
Travelers$5,005.97$6,145.34$5,171.93$7,570.08
USAA$1,667.81$1,850.74$2,115.02$3,050.64
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As you might suspect, high-risk drivers who've been in a number of accidents or who have received a few tickets in their time on the road will have to pay more for their car insurance than drivers with clean records.

As the table above displays, sometimes high-risk driving can cost you as much as $2,500 more than your clean-record peers. That's all the more reason to be cautious on the roadways, wouldn't you agree?

Largest Car Insurance Companies in Arkansas

Now that we've touched on all of the finer details that can influence your car insurance rate, what are the car insurance providers that have the biggest presence in Arkansas?

Company Direct Premiums WrittenLoss RatioMarket Share
**State Total**$1,947,17963.32%100.00%
Allstate Insurance Group$141,05347.21%7.24%
Farmers Insurance Group$79,77652.42%4.10%
Geico$109,94070.69%5.65%
Liberty Mutual Group$80,24561.30%4.12%
Nationwide Corp Group$57,50651.80%2.95%
Progressive Group$139,85558.71%7.18%
Shelter Insurance Group$167,42467.43%8.60%
Southern Farm Bureau Casualty Group$248,79269.46%12.78%
State Farm Group$500,19566.99%25.69%
USAA Group$92,07173.14%4.73%
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Number of Insurers by Arkansas

You'll not only be able to choose from the largest car insurance providers in Arkansas, but you'll have a choice between domestic providers, who are only available within the state, and foreign providers, or providers who operate on a national scale.

Property & Casualty InsuranceNumbers
Domestic12
Foreign887
Total899
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Arkansas Laws and Legalities

With more car insurance options in mind, you may be curious to know what you can do in order to keep your rates as low as possible. While it's not exactly the easiest task to learn all of Arkansas's driving laws and legalities, we're here to help.

Car Insurance Laws

We've collected information about Arkansas's driving laws and gathered them up here for you to peruse at your leisure. This way you can learn what rules you need to follow while on the road in order to stay out of trouble.

So, let's get started.

High-Risk Insurance

It's not always easy to know whether or not you're a high-risk driver. If you want to know for yourself, you need to take a look back at your driving history.

If you've been prone to accidents or traffic violations in the past, then you may also find that car insurance companies are a little less likely to provide you with the coverage you need.

In the state of Arkansas, car insurance providers are not required to cover high-risk drivers.

This means that if you have a complicated driving history, you may find yourself without the car insurance coverage you need to drive legally on the road.

However, if you find that you can't get coverage through traditional means, you can reach out to the state of Arkansas and apply for Arkansas Automobile Insurance Plan.

No car insurance provider is exempt from the designations of this plan. This means that when you submit your application for the program and find yourself approved, then you'll be able to receive minimum coverage from the provider of the state's choosing.

However, do note that you're not guaranteed approval through AAIP. Still, there's no harm in applying if you can't find coverage through other means.

Low-Cost Insurance

Unfortunately, the state of Arkansas does not provide car insurance programs for low-income families. You can only apply for AAIP if you have a history of poor driving; otherwise, you'll have to explore alternative ways to lower the cost of your car insurance.

As a reminder, you are required to have the following coverage in order to legally drive in Arkansas:

  • $25,000 – to cover the injury or death of a single person in a car accident where you’re found to be at-fault
  • $50,000 – to cover the injuries or deaths or more than one person in a car accident wherein you’re found to be at-fault
  • $25,000 – to cover the recovery or repair of any property that was damaged in an accident wherein you’re found to be at-fault

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Windshield Coverage

Let's say you're driving through the Ozarks when, BAM! A rock hits your windshield. You can't legally drive on the road with a fractured windshield, so what can you do in order to replace yours safely?

The state of Arkansas does not require your insurance provider to provide you with windshield coverage.

That said, different providers may be willing to replace your windshield with after-market parts.

Automobile Insurance Fraud in Arkansas

Insurance fraud is a serious offense in every state in the union, not to mention Arkansas. While it's difficult to commit insurance fraud by accident, that doesn't mean it's impossible.

In Arkansas, insurance fraud can take on one of three forms:

  • You can fake an accident, make a false claim, or assert false statements regarding an accident that you've been in.
  • You can pad your valid insurance claim.
  • You can help someone else fake the details of an accident that they've been in.

Note, though, that it's pretty difficult to do any of these things unintentionally. You can make a mistake when filing a claim. That said, don't be tempted to claim beyond your means, or else you'll face serious consequences.

OffenseValue in QuestionConsequences
Misdemeanor>$300One year's imprisonment and/or $2,000 fine
Class C FelonyBetween $19,999 and $301Five years imprisonment and/or $10,000 fine
Class B Felony<$20,00010 years imprisonment and/or $25,000 fine
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Statute of Limitations

If you've been in a car accident and want to file a claim, you have a limited amount of time in order to bring your claim to court. This period of time is known as your statute of limitations.

In Arkansas, the Arkansas Code Annotated Section 16-56-105 allows drivers found to be at-fault or their victims up to three years to bring their grievances to court.

As such, if you get in an accident, you'll have three years in order to issue your claim or else you won't be compensated for any injuries or property damage that you sustained. Note that your three years begins on the day your accident takes place.

Vehicle Licensing Laws

Now, let's take a look at some of the specific licensing laws in Arkansas.

Penalties for Driving Without Insurance

You can also get in a significant amount of trouble if you're caught driving on the roads in Arkansas without a license. Take a look at the table below to learn more about the kind of consequences that await you should you try to drive without the necessary registration.

Occasion FinesAdditional ConsequencesReinstatement Fee
First Offense$50 to $250Suspended registration; no plates until proof of coverage is provided; court may order a car impoundment$20
Second Offense$250 to $500Suspended registration; no plates until proof of coverage; court may order car impound$20
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Teen Driver Laws

It can be tremendously exciting to get behind the wheel of a car for the first time. Teenagers in Arkansas, though, need to take special care while on the road. That's why there are specific laws in place designed to keep teenagers safe while driving alongside their more experienced counterparts.

Young Driver Licensing LawsAge RestrictionsPassenger RestrictionsTime Restrictions
Learner's Permit: 14 yearsNo more than 1 passenger younger than 21Between 11 p.m. and 4 a.m. Teens are not required to have any number of hours of supervised driving.
Provisional LicenseMust be 16 years old and have held learner's permit for at least 6 months. No more than 1 passenger younger than 21Nighttime restrictions will be lifted at age 18.
Full LicenseMust be 16 years old and have held provisional license for at least 6 months. None. None.
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Older Driver License Renewal Procedures

Drivers on the older end of the spectrum also have to work within different bounds than their younger companions. The license renewal process, specifically, differs for drivers over the age of 70.

License Renewal Procedures
General PopulationOlder Population
License renewal cycle8 years4 or 8 years for people 70 and older, personal option
Mail or online renewal permittedNoNo
Proof of adequate vision required at renewalEvery renewal Every Renewal
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That said, the state of Arkansas makes it easier for older drivers to renew their licenses. While you won't be able to renew your license via mail or through a website, drivers over 70 can renew their license on a four to eight-year basis.

New Residents

If you're just moving to Arkansas, you'll have to make sure that your car and car insurance comply with state requirements.

Upon moving to Arkansas, you need to apply for an Arkansas driver's license within 30 days.

You'll have to go to the DMV or an equivalent representation of the Arkansas Department of Finance and Administration in order to retrieve your appropriate license.

However, the new "skip the trip" procedure is looking to move the license renewal process to the Internet. While older drivers still have to renew their licenses in person, younger drivers can rely on the Internet and avoid the DMV's notorious lines.

Negligent Operator Treatment System

Arkansas is strict when it comes to its at-fault policies. That said, drivers can also share the blame for an accident. This process is known as contributory and comparative negligence.

When Arkansas courts enact these laws, the fault of an accident can be divided between two drivers, which means the expense of property damage and personal injury can be made less severe.

Rules of the Road

With all of that in mind, what do the rules of the road in Arkansas look like, and how will they impact your driving on a daily basis?

Fault vs. No-Fault

As we've already touched on, Arkansas is an at-fault state. This means that of the drivers that get caught up in an accident, one will be assigned the blame. That driver will then be responsible for taking care of the cost of that accident.

Keep Right and Move Over Laws

Like many other states in the union, you're required to stay in the right-hand lane of an interstate if you're driving more slowly than the posted speed limit.

Arkansas specifically, though, has some variations on this rule, including the following. You can move out of the right-hand lane when:

  • One car passes another in the same direction
  • The right half of the road is closed due to construction
  • The road is divided into three or more lanes
  • A sign indicates roadway direction changes
  • The right half of the road is unsafe to drive on
  • A vehicle exist the road on the left-hand side of the road

Comparatively, move over laws require all drivers on the road to move over for emergency vehicles, drivers who represent the Arkansas State Highway and Transport Department, or vehicles with their hazard lights on.

Speed Limits

The speed limits posted in Arkansas dictate the speed you need to go in order to legally drive on the road.

Road TypePosted Speed Limits
Rural Interstates75 mph
Urban Interstates75 mph
Limited Access Roads75 mph
Other65 mph
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Note that these limits are the MAXIMUM speed you can go while driving in these listed areas of Arkansas.

Seat belt and Car Seat Laws

Minors who ride in the car with you who are between the ages of 0-5 have specific seating laws that apply to them. These laws are designed to keep children as safe as possible in a moving vehicle.

Child AgeSeat RequirementsExceptionsConsequences
5 or youngerA child safety seat - but the child can be kept either in the front or back seatsA child over 60 pounds does not have to be restrained by a child safety seat$100 fine if caught
6-14No seating requirements
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Ridesharing

With the rise of ridesharing services like Lyft and Uber, car insurance providers and states have had to issue new legislation in order to keep drivers who want to make careers in this industry safe and legal on the road.

At this point in time, Arkansas's only laws regarding ridesharing dictate that ridesharing drivers must have the state's minimum liability coverage.

DUI Laws

You should never get behind the wheel of a car if you think that you're buzzed or intoxicated. If you do, though, know that the state of Arkansas has strict laws in place that will significantly impact your driving record, should you be pulled over or get into an accident.

DUI LawsData and Consequences
BAC Limit0.08
High BAC LimitN/A
Criminal Status by Offense4th+ within 5 years is a felony. (otherwise unclassified)
Formal Name for OffenseDriving While Intoxicated (DWI)
Look Back Period/Washout Period5 years
1st Offense-ALS or Revocation6 months
1st Offense Imprisonment24 hours - 1 year, or community service
1st Offense-Fine$150-$1000
1st Offense-OtherFor license reinstatement, must complete approved treatment or education program and a Victim Impact Panel +$150 reinstatement fee; interlock device equal to license suspension time
2nd Offense-DL Revocation 2nd offense in 5 years - 2 year revocation
2nd Offense-Imprisonment7 days-1 year
2nd Offense-Fine$400-$3000
2nd Offense-OtherFor license reinstatement, must complete approved treatment or education program and a Victim Impact Panel +$150 reinstatement fee; interlock device equal to license suspension time.
3rd Offense-DL Revocation3rd offense in 5 years - 30 month revocation
3rd Offense-Imprisonment90 days to 1 year
3rd Offense-Fine$900-$5000
3rd Offense-OtherFor license reinstatement, must complete approved treatment or education program and a Victim Impact Panel +$150 reinstatement fee; interlock device equal to license suspension time
4th Offense-DL Revocation4 years
4th Offense-Imprisonment1-6 years
4th Offense-Fine$900-$5000
4th Offense-OtherFor license reinstatement, must complete approved treatment or education program and a Victim Impact Panel +$150 reinstatement fee; interlock device equal to license suspension time
Mandatory InterlockNo
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While there aren't any marijuana-related laws referenced in Arkansas, impaired driving, as you can see, have serious and life-long consequences that you'll have to deal with on a financial, emotional, and legislative level.

Distracted Driving Laws

Similarly, Arkansas's laws regarding distracted driving have severe consequences in place. These laws are designed to keep drivers on the road aware of their surroundings and to prevent driving fatalities.

Let's break this down:

The state of Arkansas does not allow drivers who are 18 years old are younger to have a cellphone on them while they're driving a vehicle.

After a driver turns 18, they'll be able to have a cellphone in the car with them. However, no other handheld devices are permitted in the vehicle.

Drivers of any age who are caught texting while driving will be fined or cited if they're seen doing so while driving or while stopped at an intersection.

Driving in Arkansas

With the details of Arkansas's driving laws and legalities out of the way, we can move on to the daily life of a driver in the Natural State. What kind of risks should you keep in mind while moving from one place to another?

Take a look at the research we've gathered and see for yourself.

Vehicle Theft in Arkansas

You might expect sports cars to top the list of cars that get stolen most frequently in Arkansas. That's not the case, though. In fact, pickup trucks are the trucks that thieves in Arkansas prefer to take.

Make/ModelYear of VehicleThefts
Chevrolet Pickup (Full Size)2004402
Ford Pickup (Full Size)2008252
GMC Pickup (Full Size)1997174
Dodge Pickup (Full Size)1999127
Honda Accord1997122
Nissan Altima201589
Toyota Camry201382
Chevrolet Impala201276
Chevrolet Malibu200672
Chevrolet Tahoe200368
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If you've got a pickup truck, then, you'll want to keep an eye on it whenever you leave it parked on the side of the road.

In 2016 alone, nearly 4,900 cars were stolen from registered drivers in Arkansas.

So long as you take safety measures to protect your car, you can lower the likelihood that an opportunistic thief will seek out your car.

CityPopulationMotor vehicle theft
Arkadelphia10,82910
Ash Flat1,0691
Ashdown4,6162
Atkins3,0367
Bald Knob2,9319
Barling4,7337
Bay1,8250
Bearden9303
Beebe7,74421
Bella Vista27,6065
Benton32,54881
Bentonville39,13212
Berryville5,4178
Blytheville15,22051
Booneville3,9225
Bradford7680
Brinkley3,0243
Brookland1,8635
Bryant19,36633
Bull Shoals1,9751
Cabot24,69544
Caddo Valley6221
Camden11,72610
Cammack Village7600
Caraway1,2790
Carlisle2,2102
Cave City1,8815
Cave Springs2,0600
Centerton10,3771
Charleston2,5320
Cherokee Village4,6132
Clarendon1,5761
Clarksville9,3195
Clinton2,5618
Conway64,060108
Corning3,2542
Cotter9540
Crossett5,3837
Danville2,3701
Dardanelle4,67210
De Queen6,63613
De Witt3,2594
Decatur1,7660
Dermott2,7750
Des Arc1,6571
Diaz1,2742
Dover1,3931
Dumas4,4815
Earle2,3422
El Dorado18,37553
England2,8064
Eudora2,1695
Fairfield Bay2,2952
Farmington6,2302
Fayetteville77,900160
Flippin1,3430
Fordyce4,2185
Forrest City15,18427
Fort Smith87,821199
Gassville2,0482
Gentry3,3410
Glenwood2,2181
Gosnell3,4552
Gravette2,4093
Green Forest2,7683
Greenbrier5,0821
Greenland1,3121
Greenwood9,2231
Greers Ferry8813
Gurdon2,1840
Hamburg2,8280
Hampton1,3060
Hardy7633
Harrisburg2,3170
Harrison13,23422
Heber Springs7,14614
Helena-West Helena11,59113
Highfill6200
Highland1,0310
Hope10,02018
Hot Springs35,551166
Hoxie2,6903
Jacksonville28,73969
Jonesboro71,11486
Kensett1,6824
Lake City2,1992
Lake Village2,4823
Lakeview7270
Lamar1,6781
Leachville1,9412
Lepanto1,8612
Lincoln2,3451
Little Rock197,3991,080
Lonoke4,2442
Lowell7,8329
Magnolia11,6828
Malvern10,9812
Marianna4,0354
Marion12,25817
Marmaduke1,1472
Marvell1,1121
Maumelle17,68613
Mayflower2,3368
McCrory1,6730
McGehee4,0242
McRae6910
Mena5,7216
Mineral Springs1,2000
Monette1,5020
Monticello9,83021
Morrilton6,7896
Mountain Home12,24614
Mountain View2,8382
Mulberry1,6340
Murfreesboro1,6350
Nashville4,6072
Newport7,65813
North Little Rock65,398275
Ola1,2570
Osceola7,49413
Ozark3,6535
Pangburn6071
Paragould27,294136
Paris3,45712
Pea Ridge5,0061
Perryville1,4480
Piggott3,7511
Plummerville8220
Pottsville3,0643
Prairie Grove4,7371
Quitman7520
Redfield1,4280
Rison1,3292
Rogers59,78731
Russellville28,76091
Salem1,6500
Sheridan4,8344
Sherwood29,90066
Siloam Springs15,87313
Springdale73,939122
Stamps1,6352
Star City2,2060
Stuttgart9,26319
Swifton7731
Texarkana30,07458
Trumann7,16312
Van Buren23,06327
Vilonia4,2023
Waldron3,5164
Walnut Ridge4,7141
Ward4,4545
Warren5,9472
White Hall5,3816
Wynne8,3236
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Risky and Harmful Behavior While Driving

It's not theft that you have to worry about the most in Arkansas, though. Risky driving causes the vast majority of accidents and fatalities in the Natural State. When you go out on the road, you'll want to drive cautiously in order to protect yourself, your vehicle, and any passengers you may have in your car.

Let's explore some of the statistics reported as of 2017 in order to learn a little bit more about the risks on the road in Arkansas.

Traffic Fatalities

TypeNumber of Fatalities
Traffic Fatalities 493
Passenger Vehicle Occupant Fatalities (All Seat Positions)351
Motorcyclist Fatalities65
Drivers Involved in Fatal Crashes687
Pedestrian Fatalities42
Bicyclist and other Cyclist Fatalities 3
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As you can see, the vast majority of fatalities in Arkansas — 72 percent — involved passenger vehicle occupant fatalities. Pedestrians and non-passengers were able to avoid the majority of fatalities throughout the state.

The divide of fatalities throughout the state reveal the different dangers of distracted driving, though, and encourage all drivers on the road to take a little more care when behind the wheel.

Fatalities by Weather

The weather can easily influence the dangers of driving on roads throughout Arkansas, especially during tornado season.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal21928141121401
Rain192172040
Snow/Sleet201003
Other20101013
Unknown000000
Total24230169151457
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If it happens to be early in the morning, late at night, or if the weather is looking particularly harsh, make sure you drive with a closer eye on the road than you normally would in order to stay safe.

Fatalities by Person Type

Person type also impacts the likelihood of a vehicular fatality. Person type here describes how a person relates to the cars in question — who's a passenger, who's a pedestrian, and so on.

Person Type20132014201520162017
Passenger Car166156181184164
Light Truck - Pickup861019010997
Light Truck - Utility8274918272
Light Truck - Van1817272214
Large Truck169181127
Other/Unknown Occupants13810144
Total Occupants381365423425382
Bus00600
Light Truck - Other00034
Total Motorcyclists6361808265
Pedestrian4637444942
Bicyclist and Other Cyclist47333
Other/Unknown Nonoccupants40021
Total Nonoccupants5444475446
Total498470550561493
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We've touched on data like this before, but as you can see, occupants in enclosed vehicles are more likely to fall victim to a car accident than motorists and non-occupants combined.

Fatalities by Crash Type

The types of crashes also vary throughout Arkansas.

Crash TypeNumber
Single Vehicle275
Involving a Large Truck84
Involving Speeding116
Involving a Rollover155
Involving a Roadway Departure331
Involving an Intersection (or Intersection Related)52
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Single vehicles are most likely to be involved in accidents across the state than multiple vehicles. However, these cars will most often find trouble at intersections or while departing from a highway.

This shift in attention can jolt a person out of what is otherwise known as "highway hypnosis." The sudden change can put a driver in danger if they're in a high traffic area, like an intersection or a highway exit ramp.

Drivers' tendency to fall into this meditative state and the accidents that result because of it should be all the more reason for you to pay attention in areas like those listed above.

Five-Year Trend For The Top 10 Counties

We've also already noted how living in particular areas in Arkansas can influence your car insurance rates. As it turns out, location-location-location also impacts fatality likelihood.

County20132014201520162017
Benton County1813253014
Craighead County1412171817
Faulkner County1414141516
Garland County2118263113
Hot Spring County1317171513
Jefferson County101691115
Miller County96111018
Pulaski County5940534351
Sebastian County10561512
Top Ten Counties205184221236190
Washington County1619223421
All Other Counties293286329325303
All Counties498470550561493
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As you can see in the table above, Pulaski County is both home to the greatest population of people in Arkansas and the most traffic fatalities in the state. As you might expect, urban areas that house a great number of people are more likely to see a greater number of fatalities due to statistics alone.

That said, if you live in Pulaski County, try to be extra careful when driving on the road every day.

Fatalities Involving Speeding by County

While you can't control the population of the city you live in, you can control whether or not you choose to speed through Arkansas. Speeding results in a fair number of the fatalities Arkansas sees on a yearly basis, as you can see in the table below.

County NameFatalities, 2013Fatalities, 2014Fatalities, 2015Fatalities, 2016Fatalities, 2017Fatalities Per 100K, 2013Fatalities Per 100K, 2014Fatalities Per 100K, 2015Fatalities Per 100K, 2016Fatalities Per 100K, 2017
Arkansas County111105.335.415.455.490
Ashley County000100004.880
Baxter County101222.4402.434.864.84
Benton County644332.511.641.591.161.13
Boone County0132302.78.095.388.03
Bradley County000100009.110
Calhoun County0000000000
Carroll County104133.6014.413.6110.74
Chicot County003210027.3818.339.4
Clark County220228.868.8708.878.97
Clay County0103006.54019.920
Cleburne County103133.9011.833.9711.98
Cleveland County0002100024.2112.19
Columbia County00101004.1504.23
Conway County111114.754.774.784.794.78
Craighead County220131.971.9500.952.8
Crawford County0115201.621.628.033.17
Crittenden County111302.012.022.046.080
Cross County0110205.825.8011.86
Dallas County001010013.28013.53
Desha County0000000000
Drew County110025.365.370010.78
Faulkner County113140.840.832.480.823.23
Franklin County02152011.235.6428.2911.18
Fulton County100318.220024.928.3
Garland County3351333.073.075.1213.233.04
Grant County0111305.535.555.5316.52
Greene County0000300006.66
Hempstead County0131204.4713.574.549.15
Hot Spring County112432.982.995.9711.968.94
Howard County00102007.48014.84
Independence County00242005.410.785.33
Izard County100027.4600014.61
Jackson County002110011.515.785.84
Jefferson County110031.371.38004.34
Johnson County100203.86007.630
Lafayette County0000000000
Lawrence County2102211.735.89012.0212.1
Lee County0000000000
Lincoln County002000014.4100
Little River County2110115.77.998.0508.09
Logan County3021013.6309.214.610
Lonoke County410125.661.401.392.74
Madison County111106.386.366.376.210
Marion County0120006.0912.3400
Miller County00116002.282.2813.64
Mississippi County100002.240000
Monroe County0000000000
Montgomery County02000021.85000
Nevada County1100111.411.560012.01
Newton County1001012.420012.710
Ouachita County000140004.1616.76
Perry County000100009.730
Phillips County0000000000
Pike County0000000000
Poinsett County100004.140000
Polk County201109.8304.954.960
Pope County110331.61.5904.74.7
Prairie County01002011.980024.25
Pulaski County14412773.581.023.051.781.78
Randolph County00101005.7405.7
Saline County725336.181.744.32.552.51
Scott County0100109.38009.57
Searcy County2001025.060012.550
Sebastian County101420.7900.793.141.56
Sevier County0112005.755.811.80
Sharp County00104005.95023
St. Francis County00202007.5107.71
Stone County100118.050087.98
Union County0132302.497.495.027.6
Van Buren County100025.8900012.12
Washington County1541060.462.281.794.392.59
White County116621.271.287.617.612.53
Woodruff County03000043.66000
Yell County0213009.24.6613.960
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Fatalities in Crashes Involving an Alcohol-Impaired Driver

Likewise, it is never — never — a good idea to drink and drive. You can control whether or not you get behind the wheel of a car while intoxicated. If you hand off your keys to a sober friend or call a ridesharing service, you'll be contributing to the lessening of alcohol-related fatalities throughout the state of Arkansas.

County NameFatalities, 2013Fatalities, 2014Fatalities, 2015Fatalities, 2016Fatalities, 2017Fatalities Per 100k, 2013Fatalities Per 100k, 2014Fatalities Per 100k, 2015Fatalities Per 100k, 2016Fatalities Per 100k, 2017
Arkansas County02021010.82010.985.57
Ashley County003020014.409.86
Baxter County112012.442.454.8602.42
Benton County2212450.840.824.781.551.88
Boone County212125.362.75.392.695.35
Bradley County100008.990000
Calhoun County01000019.35000
Carroll County0254407.2218.0214.4314.31
Chicot County0002200018.3318.8
Clark County03011013.304.434.49
Clay County0120106.5413.1606.7
Cleburne County111123.93.913.943.977.98
Cleveland County1001111.740012.1112.19
Columbia County3110312.374.164.15012.7
Conway County3211014.249.534.784.790
Craighead County444663.943.93.845.675.6
Crawford County151341.628.091.624.826.35
Crittenden County261314.0212.112.046.082.05
Cross County110025.715.820011.86
Dallas County1020012.68026.5600
Desha County101218.0108.3116.788.5
Drew County00102005.37010.78
Faulkner County326142.521.664.950.823.23
Franklin County03111016.845.645.665.59
Fulton County111018.228.288.2508.3
Garland County10999110.249.219.219.161.01
Grant County00102005.55011.01
Greene County122102.324.574.512.240
Hempstead County4312217.8313.424.529.089.15
Hot Spring County347318.9511.9820.918.972.98
Howard County0131007.422.437.440
Independence County242425.4310.85.410.785.33
Izard County00002000014.61
Jackson County102425.64011.5123.1111.67
Jefferson County377224.19.679.752.842.89
Johnson County110013.863.85003.77
Lafayette County01010013.96014.430
Lawrence County130115.8717.6806.016.05
Lee County004020041.33021.8
Lincoln County02101014.257.2107.33
Little River County2002115.70016.098.09
Logan County3021213.6309.214.619.21
Lonoke County425425.662.817.025.572.74
Madison County2321112.7619.0812.746.216.12
Marion County2010012.1606.1700
Miller County104152.309.112.2811.37
Mississippi County421238.954.522.294.667.12
Monroe County1014213013.4255.2928.23
Montgomery County02112021.8511.0811.1722.42
Nevada County1001011.40011.940
Newton County01000012.69000
Ouachita County101034.0104.11012.57
Perry County101129.6809.719.7319.33
Phillips County131014.8915.035.1105.38
Pike County1100099.11000
Poinsett County104124.14016.664.178.28
Polk County213019.834.9414.8504.97
Pope County111141.61.591.571.576.27
Prairie County1101411.9411.98012.0948.5
Pulaski County21141614135.373.574.073.563.3
Randolph County0122105.6911.4811.495.7
Saline County655315.34.364.32.550.84
Scott County00110009.489.650
Searcy County002010025.55012.6
Sebastian County331542.362.370.793.923.12
Sevier County0112105.755.811.85.84
Sharp County2022211.74011.8911.6711.5
St. Francis County00100003.7500
Stone County002110016.1687.98
Union County0142102.499.985.022.53
Van Buren County120015.8911.84006.06
Washington County3115871.395.012.233.513.02
White County244822.555.15.0710.152.53
Woodruff County0000000000
Yell County0103504.6013.9623.23
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Teen Drinking and Driving

Unfortunately, it's not just adults who sometimes choose to drink and drive. Teenage drunk driving is more common in Arkansas than it should be.

DetailsNumbers
Alcohol-Impaired Driving Fatalities Per 100K Population1.2
Higher/Lower Than National Average (1.2)equal
DUI Arrest (Under 18 years old)44
DUI Arrests (Under 18 years old) Total Per Million People62.41
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You should note that it's more common for teenagers in rural areas to drink and drive than it is for teenagers in urban areas.

That said, the fatality rate of teenage drunk drivers in Arkansas matches the national average at 1.2 percent.

EMS Response Time

If you happen to get in an accident in Arkansas, you'll have to rely on the speediness of local EMS response teams.

Type of CrashTime of Crash to EMS
Notification
EMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital Arrival
Rural Fatal Crashes6.0813.9442.2760.84
Urban Fatal Crashes 3.846.7828.0539.07
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As you can see, response times in rural areas of Arkansas are a little slower than those in rural areas. This is all the more reason for drivers in rural areas to pay attention to the road in front of them and not take unnecessary risks.

Even so, no matter where you are, EMS will typically get to you within half an hour of any accident you might get into.

Transportation

With that data in mind, what does daily life on the road in Arkansas look like?

Car Ownership

As is fairly standard across the United States, residents of Arkansas typically have two cars parked in their garages or driveways. Three-car and one-car owners are nearly even at about 20 percent of households each.

Commute Time

That many cars on the road contribute to a fairly average commute time across the whole of the Natural State. Commutes to and from work in Arkansas tend to take between 15-25 minutes.

While we know that's not your favorite way to spend parts of your day, Arkansas's average travel time is significantly lower than that of the national average.

Commuter Transportation

We can attribute some of that commute time to the ways in which drivers in Arkansas get from one place to another. The vast majority of drivers in Arkansas prefer to drive to and from work on their own. Of the remaining commuters, most carpool or take public transportation.

So, with all of that in mind, we hope you have a better idea of what provider and coverage plan will best suit you as a resident of Arkansas. Whether you're new to the state or a long-time resident, you can take advantage of the many opportunities the state has to offer in order to find coverage that suits your needs.

Naturally, the rates made available to you will change based on your personal history and driving record, but you can always capitalize on that personalization.

So, why wait? You can start comparing the car insurance rates Arkansas has to offer with our FREE online tool. Just enter your ZIP code to get started.