Whether traveling through the Ozarks, the rugged mountains of Arkansas with its forest beauty, the springs which are the largest in the nation, the various other hills and mountains, the river banks, or plains and farmlands, the drivers of Arkansas are hard working and require the best value for their money.  There is no exception when it comes to Arkansas auto insurance. While motorists across the nation have been benefiting from the drop in car insurance rates, Arkansas has been leading the way with the biggest drop in rates (11.1%), within recent years (2006 – 2007) Arkansas insurance rates dropped from $2100 to an incredible $1900 on average, allowing an additional savings of $200 for Arkansas drivers. Of course each individual drivers will experience fluctuations in this average rate based on their own driver history and particulars.

Arkansas Auto Insurance Requirements

The state of Arkansas requires that each motor vehicle driver carry basic insurance for bodily injury liability and property damage liability to cover the medical and property damage expenses of the other driver.  The state of Arkansas penalizes drivers for being at fault. However, Arkansas requires just minimum coverage requirements of $25,000, $50,000 and another $25,000 to insure drivers at fault. Arkansas drivers should purchase additional insurance for a much better protection.

• Bodily Injury Insurance – Arkansas auto insurance for Bodily Injury Insurance provides up to $25,000 in coverage for any injury and medical expenses to a person traveling in the other car.
• Bodily Injury Insurance will also provide up to a combined amount $50,000 for passengers (more than one) who were hurt in the car accident and need medical attention.
• Property Damage Liability – is also required by the state of Arkansas. Drivers must carry a minimum of $25,000 to insure themselves against any damage they inflict upon the person’s property, such as damage to personal property, house, trees, personal car, and fences.

Drivers in Arkansas are not obliged to carry more than the above mentioned protection but they would be wise to carry Comprehension and Collision to protect themselves from damage to their own car if they are the ones to be at fault, or if damaged is sustained because of a natural event, such as major flooding, hail, or damage incurred because of wildlife.

A further recommendation by the state of Arkansas for Arkansas drivers is to carry uninsured/underinsured motorist protection to offset any amounts that the at-fault driver is not insured for. This insurance can be used for medical expenses and vehicle repair. Guaranteed Auto Protection (GAP) comes in handy when the Arkansas driver is still making car payments yet the value of the car is listed below the amount still owed on the car loan.  When a car has been totaled the auto insurance company will only pay the listed price regardless of the outstanding loan. If there is no GAP insurance to cover the difference, Arkansas drivers could stand to loose a great deal.