What are the minimum auto insurance requirements in Arkansas?

As of now, Arkansas requires drivers to carry at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage liability.

Is uninsured motorist coverage required in Arkansas?

No. It’s not required, but it’s strongly recommended. Arkansas allows drivers to opt out in writing, though many choose to keep it for added protection.

How much does car insurance cost in Arkansas?

The average cost of auto insurance in Arkansas is around $1,200 to $1,600 per year, but it varies by age, driving history, vehicle, and ZIP code.

Can I drive without insurance in Arkansas?

No. Driving without insurance is illegal in Arkansas and can result in fines, license suspension, and potential vehicle impoundment.

Does Arkansas offer discounts for safe drivers or bundling?

Yes. Many insurers in Arkansas offer safe driver, multi-policy, good student, and vehicle safety feature discounts.

#Trusted Auto Insurance Agency for Affordable Coverage

Affordable Auto Insurance Plans for Better Protection

Finding the right auto insurance doesn’t have to be stressful or expensive. Whether you’re looking for the minimum coverage required in your state or a full-coverage policy that protects you and your vehicle, we make the process simple.

G&G Independent Insurance works with top-rated carriers nationwide to compare options and find the best fit for your needs. From liability to comprehensive and collision coverage, we help you secure protection that balances cost and peace of mind.

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How Can I Find Cheap Auto Insurance?

Auto insurance rates vary based on factors like your driving history, vehicle type, credit score, and where you live. The good news? By shopping around and comparing multiple carriers, you can often save hundreds of dollars each year.

Working with an independent agency like ours means you don’t have to do the legwork—we’ll compare dozens of quotes for you and help you find affordable coverage that fits your budget.

Don’t Have Time to Compare Rates?

That’s where we come in. We partner with multiple insurance companies, so you don’t have to spend hours calling around or filling out endless forms. With just a little information, we’ll provide you with competitive quotes and explain your options clearly.

Our goal is to make sure you’re not only saving money but also getting the coverage you need.

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Factors That May Affect Auto Insurance Rates

Age — auto insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident

Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be

Car — the type of car, engine size, safety features, etc. Are all part of determining the rate

Household — car insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household

What Does Full Coverage Auto Insurance Cover?

When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy.

Let us clarify a few of the more important ones for you:

Collision Coverage

This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..

Comprehensive Coverage

This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, hail damage and so on.

Property Damage

Suppose you damage someone's car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage

Bodily Injury Liability

This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.

Un-insured & Under-insured Liability

This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.

Ready to find the right coverage for your car?

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5 Ways on How to Save Money on Car Insurance

1. Improve your credit score

A lot of people don’t like insurance companies using credit score as one of the factors in determining what you pay for car insurance. Three states (California, Hawaii, and Massachusetts) don’t take credit score into account when figuring premiums, but for the rest of us, we have to play by the rules we’re given.

The good news is that each time you move up a tier (from Average to Good, for example), you can save hundreds of dollars a year. If you started from the bottom (Poor) and now you’re here (Exceptional), you could save $1,408 each year.

2. Bundle up

Buying insurance for your car and your home can lead to big savings, and you don’t have to own a house to see the benefits. On average, bundling these two coverages together saves you 8% on your car insurance, whether you rent, own, or have a condo. Homeowners see the biggest benefit (about 10% off their car insurance), but condo owners (8%) and renters (5%) get in on the action, too.

3. Keep yourself covered

The math on this one is easy: The longer you are insured, the lower your rates will be. It only takes six months of coverage to see savings of approximately 8%. Pro tip: After six months, and then again after your 1-, 3-, and 5-year marks of continuous coverage, shop around for insurance. Your good track record can lead you to lower rates. And also, don’t drop your coverage along the way, even for a day! Insurance companies hate it when you have a gap in coverage.

4. Pay up front

If you can pay for your entire term of coverage up front, it will pay off down the line. Payment in full, rather than installments, can save you 12%. Think of it as having each monthly payment be $9 less. Doing business digitally is a bonus, too.

5. Track your driving with telematics

If you’re OK with using an app or a small device that plugs in under your dashboard to track your driving habits, it could pay off with savings. It’s called telematics, where your speed, mileage, and total driving time are tracked and used as part of the formula that determines your auto insurance premium.

Why Choose G&G Independent Insurance?

Unlike captive agents who work with just one company, G&G Independent Insurance partners with dozens of top-rated carriers. That means we shop around for you, compare multiple options side by side, and match you with a policy that fits your needs and budget.

With G&G, you’re not just getting a quote — you’re getting a trusted advisor who makes sure you’re saving money while still getting the right protection.

Skip the Stress — Compare Auto Insurance Rates Today

Ready to save time, money, and headaches on your auto insurance? With G&G Independent Insurance, you can compare quotes from top carriers in minutes and get coverage you can truly count on.

Auto Insurance FAQs

1. Why do I need auto insurance?

Answer:
Auto insurance protects you financially if you’re in an accident, your car is damaged, or someone is injured on the road. It’s a legal requirement in most states and provides peace of mind knowing unexpected events won’t drain your wallet.

2. What types of auto insurance coverage are available?

Answer:
Common coverage includes liability (for damages you cause), collision (for damage to your car), comprehensive (for theft or natural disasters), uninsured/underinsured motorist protection, and personal injury protection. Each protects different risks, and you can mix and match based on your needs.

3. How is my car insurance premium determined?

Answer:
Rates depend on factors like your driving history, vehicle type, coverage limits, credit score, and location. Safe drivers with newer cars often pay less, while high-risk drivers may see higher premiums. Shopping multiple insurers ensures you get the best value.

4. Can I save money on auto insurance?

Answer:
Yes! Discounts may be available for safe driving, bundling policies, low mileage, or installing safety features in your vehicle. G&G Independent Insurance compares quotes from 50+ carriers to find affordable auto insurance without sacrificing coverage.

5. How do I file a claim if I have an accident?

Answer:
Contact your insurance provider as soon as possible with details of the accident. Most insurers, including G&G, offer online or phone claims to make the process quick and straightforward. Prompt reporting ensures faster claim resolution.