Sparkman

Minimum Liability~$50–$65
Full Coverage~$140–$160
Minimum Coverage Requirements$25K/$50K/$25K

Show more Auto Insurance stats in Arkansas

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.

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.

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Knight Insurance Professionals

1015 Caddo St, Arkadelphia, AR 71923

(870) 246-3700

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Sparks Insurance Agency of Russellville

606 E Parkway Dr, Russellville, AR 72801

(479) 968-4880

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Shelter Insurance - Eli Ratcliff

100 E Walnut St, Prescott, AR 71857

(870) 887-3721

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Bob Nason & Associates

713 E Main St, Magnolia, AR 71753

(870) 234-4334

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Sargent Insurance Agency Inc

1120 W Washington St, Camden, AR 71701

(870) 836-2939

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Shelter Insurance - Lorecia Abbott

130 Van Buren St NW, Camden, AR 71701

(870) 836-7840

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Hawk Insurance Agency

304 Greening St NW, Camden, AR 71701

(870) 836-6660

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Heffington Insurance Inc

2911 W Commercial St, Ozark, AR 72949

(479) 667-1260

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Sparkman

Arkansas Auto Insurance Facts

Drivers

Accidents

Laws & Regulations

Find and Compare Local Insurance Agents Near Sparkman

Knight Insurance Professionals

Sparks Insurance Agency of Russellville

Shelter Insurance - Eli Ratcliff

Bob Nason & Associates

Sargent Insurance Agency Inc

Shelter Insurance - Lorecia Abbott

Hawk Insurance Agency

Heffington Insurance Inc

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