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arkansas car insurance

Good news, Arkansans: Esurance gladly offers some of the most affordable car insurance rates west of the Mississippi to Natural State residents. Whether you live in Little Rock or Little Flock, our top-notch customer service, simple policy management, and hassle-free insurance process are sure to benefit all residents of your splendid state.

With an A+ financial-strength rating from A.M. Best, a respected industry rating organization, you can rest assured that we'll be there whenever and wherever you need us. Plus, every Esurance car insurance policy is built to save you time and money, because we utilize innovative online tools to make auto insurance more affordable and easier to understand.

arkansas auto insurance discounts from esurance

When it comes to discounts, we're the Land of Opportunity. Get a free quote online and see if you qualify for these money-saving discounts:

  • Multi-Car discount
  • Homeowners discount
  • Paid-in-Full discount
  • DriveSense™ discount
  • Claim-Free discount
  • Good Student discount
  • Mature Driver discount
  • Switch & Save® discount

If you already have an Esurance policy, give us a call at 1-800-ESURANCE (1-800-378-7262) if you have any questions about your discounts. Keep in mind that some exclusions may apply.

esurance renters plus® discount in arkansas*

Whether you rent a home, condo, or apartment, you can add renters coverage to your Esurance auto policy and take advantage of our Renters Plus discount. It's a simple way to insure your stuff and your car (and save big).

arkansas auto insurance coverages

Required coverages

Arkansas drivers are legally required to carry liability coverage with at least the following limits:

  • $25,000 bodily injury coverage per person
  • $50,000 bodily injury coverage per incident
  • $25,000 of property damage coverage per incident

You'll often see these limits expressed as 25/50/25.

Optional coverages

  • Comprehensive coverage
  • Collision coverage
  • CarMatch Rental Coverage®
  • Towing and labor
  • Customized parts and equipment coverage
  • Loan/lease gap coverage
  • Personal injury protection (PIP) coverage
  • Uninsured motorist bodily injury coverage
  • Underinsured motorist bodily injury coverage
  • Uninsured motorist property damage coverage
  • Underinsured motorist property damage coverage

personal injury protection (also known as no-fault coverage)

Personal injury protection, or PIP, is optional in Arkansas. You can choose one or more of the 3 parts, or none at all. If you choose to decline PIP, you'll need to decline it in writing (your insurance company can help).

The 3 parts of PIP in Arkansas:

  • Medical and hospital benefits, which can help pay for your medical bills after a car accident (regardless of who caused it)
  • Income disability benefits, which offers financial protection if you need to miss time from work due to injuries sustained in an accident
  • Accidental death benefits

PIP covers you and your passengers, as well as pedestrians and cyclists who are hit by your car, regardless of fault. It doesn't cover property damage (like car repairs).

factors that can impact your arkansas premium

  • Year, make, and model of your car
  • Driving record of all drivers on your policy
  • Location where the vehicle is garaged
  • Discounts you may qualify for
  • The coverages, limits, and deductibles you choose
  • Age and total years licensed
  • Marital status, age, and gender

esurance-approved car repair shops

Esurance customers can take their damaged cars to shops in our E-star® network. These reputable body shops feature RepairView™ online repair monitoring and guaranteed repairs.

Find an E-star shop near you.

uninsured drivers in arkansas

According to a report from the Insurance Research Council using 2009 data, an estimated 16 percent of Arkansas drivers were uninsured. That's about 1 in 7 drivers — above the national average of 13.8 percent.

While it's not required in Arkansas, uninsured motorist coverage offers financial protection from drivers without insurance. This can come in handy after an accident caused by a driver who can't pay for your post-accident expenses. It also covers you if you're ever a victim of a hit-and-run accident.

proof of car insurance

Carrying your proof of insurance (typically an insurance ID card) in your car is legally required. Failure to provide proof on request can result in a $25 fine.

Motorists in the Land of Opportunity may present their proof of coverage on smartphones, tablets, and other devices under state law.

If you're an Esurance customer, be sure to check out our user-friendly mobile app so you can access car insurance ID cards and other policy documents any time.

alternative car insurance options

Drivers who are unable to get a traditional car insurance policy can have an agent look into the state-sponsored Assigned Risk Plan.

Related links

Esurance Coverage Counselor®
Spend a few minutes here for a personalized Arkansas policy recommendation.

Arkansas' official guide to car insurance (PDF)
The Arkansas Insurance Department publishes this handy overview for Arkansas drivers.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262