Arkansas
- ~$50–$65
- ~$140–$160
- $25K/$50K/$25K
Arkansas offers affordable insurance rates, but that comes with risk: high fatality rates, poor rural infrastructure, and a large uninsured driving population. Drivers in the state rely heavily on personal vehicles, and weather risks plus a lack of public transit further emphasize the need for broad coverage — especially for those in more remote areas.
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Arkansas Auto Insurance Facts *
Drivers
- ~2.2–2.3 million licensed drivers as of 2023
- Mostly rural driving population with small metro clusters (Little Rock, Fayetteville).
- ~93% of households own at least one vehicle.
- High truck ownership, particularly in rural and agricultural communities.
- ~19–20% uninsured driver rate (among the highest nationally)
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~60,300 | ~16,800 | 492 |
| 2019 | ~62,100 | ~17,100 | 505 |
| 2020 | ~55,000 | ~15,400 | 638 |
| 2021 | ~57,800 | ~15,800 | 693 |
| 2022 | ~58,500 | ~16,100 | 641 |
Laws & Regulations
- Fault-based insurance state.
- Uninsured/underinsured coverage must be offered but can be declined.
