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arkansas car insurance

Good news, Arkansans: from Little Rock to Little Flock, our top-notch customer service, simple policy management, and hassle-free insurance process are sure to please Natural State residents.

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, Esurance strives to help you save cash on dependable coverage. Take advantage of our intuitive online services powered by smart technology like CoverageMyWay™, which is designed to help you tailor coverage options that feel right for you and your budget.

what our customers say


I've been an Esurance customer for over 10 years now and everything about you guys is convenient and accessible. Even when we moved to another state, the switch over couldn't have been easier.

— Paul, Florida


Esurance was quick, reliable, and easy to communicate with! I'm glad I switched to you guys! You saved me money and I don't plan on going anywhere!

— Maudryanna, North Carolina


The woman who handled my claim was excellent. I made one phone call, sent one email, and three days later I had a check and a resolution to my problem. Keep up the good work.

— Aaron, Virginia

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
  • Fast 5® discount
  • Homeowners discount
  • Paid-in-Full 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
  • Collision
  • CarMatch Rental Coverage®
  • Towing and labor
  • Customized parts and equipment
  • Auto loan/lease (or "gap")
  • Personal injury protection (PIP)
  • Uninsured motorist bodily injury
  • Underinsured motorist bodily injury
  • Uninsured motorist property damage

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

The Insurance Research Council estimated that about 16 percent of Arkansas drivers were uninsured in 2012. That was well above the national average of 12.6 percent.

While it's not required in Arkansas, uninsured motorist bodily injury 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

When cheap car insurance isn't best
The types of coverages you carry influence what you pay (and your level of protection).

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.