Best Car Insurance After an Accident in Arkansas (10 Standout Companies for 2024)
State Farm, Geico, and Progressive offer the best car insurance after an accident in Arkansas, with rates starting as low as $32/month. These providers excel in affordability and benefits like accident forgiveness, making them top choices for drivers looking for coverage after an accident in Arkansas.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 29, 2024
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Sep 29, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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19,116 reviewsCompany Facts
Full Coverage After an Accident in Arkansas
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,128 reviewsCompany Facts
Full Coverage After an Accident in Arkansas
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsThe top picks overall for the best car insurance after an accident in Arkansas are State Farm, Geico, and Progressive, offering competitive rates starting as low as $32/month.
State Farm stands out for its affordable premiums and personalized service, while Geico and Progressive provide accident forgiveness and flexible coverage.
Our Top 10 Company Picks: Best Car Insurance After an Accident in Arkansas| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Personalized Service | State Farm |
 | #2 | 25% | A++ | Competitive Rates | Geico |
 | #3 | 12% | A+ | Snapshot Discounts | Progressive |
 | #4 | 10% | A+ | Local Agents | Allstate |
 | #5 | 14% | A | Flexible Coverage | Farmers |
 | #6 | 10% | A | Accident Forgiveness | Safeco |
 | #7 | 20% | A+ | Vanishing Deductible | Nationwide |
 | #8 | 15% | A++ | Coverage Options | Travelers |
 | #9 | 12% | A | RightTrack Program | Liberty Mutual |
 | #10 | 25% | A+ | High Satisfaction | Amica |
This article breaks down each provider’s benefits, helping you choose the right protection after an accident. Discover ways to lower your premiums and secure the best coverage for your needs. To acquire more information, review our in-depth guide titled “What You Should Know About Auto Insurance.”
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- Find the best car insurance after an accident in Arkansas, starting at $32/month
- State Farm offers top rates and coverage for accident recovery
- Compare Geico and Progressive for accident forgiveness and flexible plans
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#1 — State Farm: Top Overall Pick
Pros
- Personalized Service: State Farm provides tailored service for drivers after an accident in Arkansas.
- Low Monthly Rates: Minimum coverage starts at $32/month, the lowest in Arkansas for post-accident coverage.
- Bundling Discounts: State Farm offers a 17% bundling discount, enhancing savings for Arkansas drivers. Browse our guide titled “State Farm Insurance Review.“
Cons
- Limited Multi-Policy Discount: The 17% discount may not be as competitive as other insurers in Arkansas.
- Premium Costs: Full coverage premiums may still be high, starting at $93/month in Arkansas.
#2 — Geico: Best for Competitive Rates
Pros
- Competitive Rates: Geico offers affordable rates, starting at $66/month for minimum coverage after an accident in Arkansas.
- Accident Forgiveness: Geico’s accident forgiveness program ensures rates don’t increase after a first accident in Arkansas.
- Bundling Discounts: Geico provides a 25% bundling discount, maximizing savings for Arkansas drivers. Learn more in our guide, “Geico Auto Insurance Review.“
Cons
- Limited Local Agents: Geico’s online-first model may lack personalized local support in Arkansas after an accident.
- Basic Coverage Options: Geico’s minimum coverage might not include some benefits Arkansas drivers may need.
#3 — Progressive: Best for Snapshot Discounts
Pros
- Snapshot Discounts: Progressive rewards safe drivers with discounts after an accident in Arkansas.
- Flexible Policies: Minimum coverage starts at $83/month, allowing customization to meet post-accident needs in Arkansas.
- Bundling Options: Progressive provides bundling discounts for combining policies in Arkansas. Refer to our guide, “How do I Appeal a Car Insurance Claim With Progressive?“
Cons
- Customer Service: Some Arkansas customers report inconsistent service after filing post-accident claims.
- Higher Premiums for Full Coverage: Full coverage can be expensive, with rates starting at $240/month in Arkansas.
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#4 — Allstate: Best for Local Agents
Pros
- Local Agents: Allstate provides in-person support through local agents after an accident in Arkansas.
- Comprehensive Coverage: Allstate offers various coverage options, starting at $77/month for minimum coverage in Arkansas.
- Bundling Discounts: Allstate offers a 10% bundling discount, helping Arkansas drivers save more on their policies.
Cons
- Higher Minimum Coverage Rates: At $77/month, Allstate’s rates are higher than some competitors for post-accident coverage in Arkansas.
- Fewer Digital Tools: Allstate’s online tools might not be as advanced as other insurers available in Arkansas. Check out our guide “Allstate Auto Insurance Review” for more information
#5 — Farmers: Best for Flexible Coverage
Pros
- Flexible Coverage: Farmers provides customizable coverage options to suit post-accident needs in Arkansas.
- Low Monthly Rates: Minimum coverage starts at $81/month, making it an affordable option for drivers after an accident in Arkansas.
- Discounts: Farmers offer a 14% discount on bundling policies in Arkansas, helping drivers save on premiums.
Cons
- Premium Costs: Farmers’ full coverage is higher than average, starting at $236/month in Arkansas. View our guide, “What Documentation Do I Need to File a Car Insurance Claim With Farmers Insurance?“
- Limited Availability of Discounts: Some discounts may not apply to all Arkansas drivers, limiting potential savings.
#6 — Safeco: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Safeco ensures no premium increase after the first accident in Arkansas. Please refer to our guide “How to Pay My Safeco Insurance Premium” for more information.
- Affordable Minimum Coverage: Safeco offers low rates, with minimum coverage starting at $60/month in Arkansas.
- Bundling Discounts: Safeco offers a 10% discount for bundling policies, helping Arkansas drivers save more.
Cons
- Basic Coverage Options: Safeco’s basic policy may not offer enough post-accident protection in Arkansas.
- Customer Support: Some Arkansas customers report slower claims processes after an accident.
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#7 — Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Nationwide rewards safe drivers with deductible reductions after an accident in Arkansas.
- Affordable Minimum Coverage: Minimum coverage starts at $66/month, making it a cost-effective option for Arkansas drivers.
- Bundling Discounts: Nationwide offers a 20% discount for bundling home and best auto insurance Arkansas policies.
Cons
- Higher Full Coverage Costs: Full coverage premiums start at $191/month, which may be high for some Arkansas drivers.
- Limited Local Presence: Nationwide’s local support in Arkansas might not be as robust as other insurers. Discover our guide “How to Renew Your Car Insurance Policy with Nationwide.“
#8 — Travelers: Best for Coverage Options
Pros
- Comprehensive Coverage: Travelers offers a variety of coverage options for Arkansas drivers post-accident. Check out our guide titled “Bundling Home and Auto Insurance With Travelers.“
- Low Monthly Rates: Minimum coverage starts at $40/month, making Travelers one of the most affordable options in Arkansas.
- Bundling Discounts: Travelers offers a 15% bundling discount, helping Arkansas drivers save more on premiums.
Cons
- Higher Full Coverage Rates: Full coverage premiums start at $117/month, which may be higher than some competitors in Arkansas.
- Digital Tools: Travelers’ digital tools for managing policies might not be as advanced as others in Arkansas.
#9 — Liberty Mutual: Best for RightTrack Program
Pros
- RightTrack Program: Liberty Mutual rewards safe driving habits in Arkansas with its RightTrack program. “Make sure to look at our guide titled “Liberty Mutual Auto Insurance Review.“
- Lowest Minimum Coverage Rates: Minimum coverage starts at just $55/month, the lowest available in Arkansas after an accident.
- Bundling Discounts: Liberty Mutual offers a 12% discount for bundling home and best auto insurance in Arkansas.
Cons
- Limited Local Agent Access: Liberty Mutual’s local support in Arkansas may not be as robust as that of other insurers.
- Higher Full Coverage Costs: Full coverage premiums start at $160/month, which may be high for some Arkansas drivers.
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#10 — Amica: Best for High Satisfaction
Pros
- High Customer Satisfaction: Amica consistently ranks high in customer satisfaction after accidents in Arkansas.
- Affordable Minimum Coverage: Amica offers competitive rates, with minimum coverage starting at $70/month in Arkansas.
- Bundling Discounts: Amica offers a 25% bundling discount, providing significant savings for Arkansas drivers. (Read More: Does Amica Mutual Insurance Offer Enhanced Rental Car Coverage?)
Cons
- Higher Full Coverage Rates: Full coverage premiums start at $200/month, higher than some competitors in Arkansas.
- Limited Coverage Options: Amica may not offer as many customizable options for post-accident coverage in Arkansas as other insurers.
Comparative Analysis of Arkansas Accident Car Insurance Rates
When comparing car insurance providers in Arkansas, monthly rates for minimum and full coverage can vary significantly. State Farm offers the most affordable option for minimum coverage at just $32 per month, while Progressive is on the higher end at $83.
Geico, Nationwide, and Liberty Mutual provide competitive options, with rates ranging from $55 to $66 for minimum coverage. Travelers and Safeco also offer mid-range options, with minimum coverage rates at $40 and $60, respectively.
Arkansas Accident Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $77 | $224 |
| $70 | $200 |
| $81 | $236 |
| $66 | $192 |
| $55 | $160 |
| $66 | $191 |
| $83 | $240 |
| $60 | $175 |
| $32 | $93 |
| $40 | $117 |
For full coverage, the range is wider. State Farm again leads with the lowest rate of $93 per month, while Progressive tops the list at $240. Geico and Nationwide offer more budget-friendly full coverage options, both around $191-$192 per month. Amica and Liberty Mutual present reasonably priced options as well, offering full coverage at $200 and $160.
Ultimately, comparing both minimum and full coverage rates across providers can help you find the best fit for your budget and coverage needs after an accident in Arkansas. Make sure to remember this text: For better understanding, take a look at our comprehensive guide called “Full Coverage Auto Insurance.”
Understanding Car Insurance in Arkansas
Understanding car insurance in Arkansas is crucial, especially for drivers involved in accidents. The state requires all drivers to carry liability insurance, which covers damages to others in an accident. The minimum required coverage includes $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage.
Liability insurance alone may not fully protect you in all situations. Arkansas also mandates uninsured motorist coverage, which helps cover costs if you’re in an accident with an uninsured driver. This coverage can cover medical bills, lost wages, and other expenses, offering additional financial protection. Beyond mandatory coverage, adding comprehensive and collision insurance can offer extra peace of mind.
Comprehensive insurance protects against non-collision incidents like theft or natural disasters, while collision insurance covers repair costs if you’re in an accident. Both types of coverage come with specific limits and deductibles but provide valuable protection for your vehicle. Find out in our guide “What is a Car Insurance Deductible and How Does it Work?”
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The Impact of Accidents on Car Insurance Rates
Being involved in an accident can have a significant impact on your best Arkansas car insurance rates. Insurance companies consider various factors when determining your premiums, including your driving history. The best car insurance for drivers with accidents may lead to higher premiums. For a better understanding, please refer to our comprehensive guide, “Car Insurance Policies and Fatal Car Accidents.”
Accidents not only pose a risk to your physical well-being but also to your financial stability. When you’re at fault in an accident, insurance companies view you as a higher-risk driver, leading to increased premiums. This increase is justified by the higher likelihood of you being involved in future accidents. Insurance providers rely on statistical data to assess risk, and unfortunately, being involved in an accident places you in a riskier category.
How Accidents Affect Your Insurance Premiums
When determining the impact of an accident on your insurance premiums, insurance companies take into account various factors. Firstly, the severity of the accident plays a crucial role. A minor fender bender may result in a slight increase in premiums, while a major collision with extensive damage and injuries can lead to a substantial spike in rates.
When you bundle, you don’t have to pick 😉 #NFLDraft pic.twitter.com/LL0aBcY0Dm
— GEICO (@GEICO) April 27, 2023
Additionally, the number of claims you have filed can influence your insurance premiums. Multiple accidents within a short period may indicate a pattern of reckless driving, causing insurance companies to view you as a higher-risk driver. Consequently, your premiums may skyrocket.
Furthermore, the presence of injuries in an accident can also impact your insurance rates. If you were involved in an accident where injuries occurred, insurance companies may consider you a higher-risk driver due to the potential for future medical claims. This can lead to a significant increase in premiums as insurance providers try to mitigate their potential financial liability.
Accident Forgiveness in Arkansas
Fortunately, some car insurance providers offer accident forgiveness programs, which can help mitigate the impact of accidents on your premiums. With accident forgiveness, your first accident may not result in a rate increase. This program aims to provide drivers with a second chance, recognizing that accidents can happen to even the most cautious and experienced drivers.
Arkansas Report Card: Auto Insurance Premiums| Category | Grade | Explanation | Participating Providers |
|---|---|---|---|
| Overall Affordability | B+ | Premiums are close to the national average. | State Farm, Allstate, Geico |
| Coverage Options | A | Multiple providers offer a broad range of coverage plans. | Farmers, Progressive, USAA |
| Customer Service | B | Satisfaction is good but varies based on the insurer. | Geico, Liberty Mutual |
| Claims Processing | B- | Some delays, but most claims are processed efficiently. | Nationwide, Allstate |
| Discount Availability | A- | Most insurers offer a variety of discounts. | Liberty Mutual, State Farm |
When choosing the best car insurance in Arkansas for drivers who have had an accident, it’s important to consider insurance providers that offer accident forgiveness programs. These programs can offer peace of mind and financial relief, as they ensure that your rates won’t drastically increase after your first accident.
However, it’s important to note that accident forgiveness programs may have specific eligibility requirements and limitations, so it’s crucial to thoroughly understand the terms and conditions before making a decision.
Remember, accidents are unfortunate events that can have lasting consequences. It’s crucial to prioritize safe driving practices and adhere to traffic laws to minimize the risk of being involved in an accident. By maintaining a clean driving record, you can not only protect yourself and others on the road but also potentially enjoy lower insurance premiums.
Comparing Car Insurance Providers in Arkansas
When searching for the best car insurance after an accident, it’s crucial to consider several factors when comparing providers. After an accident, finding the right car insurance provider becomes even more important. Not only do you want coverage that will protect you in the event of another accident, but you also want a provider that offers excellent customer service and is financially stable.
With so many options available, it can be overwhelming to choose the best one. That’s why it’s essential to consider several factors before making a decision. To delve deeper into this topic, take a look at our comprehensive guide entitled “Does Your Car Insurance Cover Accidents When You Lend Your Car?“
Factors to Consider When Choosing a Provider
When evaluating car insurance, focus on coverage options, customer service, financial stability, and discounts. Look for providers that offer comprehensive options such as liability, collision, and uninsured motorist coverage, along with extras like roadside assistance if needed. Comparing rates and benefits is key to finding the right fit.
5 Most Common Auto Insurance Claims in Arkansas
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-end Collision | 32% | $4,200 |
| Single Vehicle Accident | 22% | $6,000 |
| Weather-related Damage | 18% | $5,800 |
| Animal Collision | 12% | $3,700 |
| Vandalism/Theft | 10% | $2,900 |
Customer service and financial stability are equally important. A responsive, knowledgeable provider ensures smooth claims processing, while a financially stable company guarantees timely payouts. Checking a company’s ratings with agencies like A.M. Best helps assess its financial health.
Arkansas Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Springdale | 700 | $600 |
| Little Rock | 1,300 | $1,100 |
| Jonesboro | 600 | $500 |
| Fort Smith | 950 | $800 |
| Fayetteville | 900 | $750 |
Discounts can significantly reduce your insurance costs. Look for savings opportunities, such as safe driving or bundling policies. Finally, assess the provider’s reputation through customer reviews to ensure you’re choosing a reliable, customer-focused company.
Tips for Lowering Your Car Insurance After an Accident
Although accidents can impact your car insurance rates, there are steps you can take to lower your premiums.
Safe Driving Programs
Participating in safe driving programs can help demonstrate your commitment to responsible driving. Completing defensive driving courses and maintaining a clean driving record can make you eligible for discounts and lower rates after an accident.
Discounts and Deductibles
Ask your insurance provider about available discounts for factors such as low mileage, multiple policies, and safety features in your vehicle. Additionally, choosing a higher deductible can lower your premiums but ensure you have the funds available in case of an accident.
Arkansas Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Good Driver Discount | A | 15% | State Farm, Allstate, Geico |
| Multi-Policy Discount | A- | 12% | Farmers, Progressive, USAA |
| Safe Vehicle Discount | B+ | 8% | Geico, Liberty Mutual |
| Defensive Driving Course | B | 6% | Nationwide, Allstate |
| Low Mileage Discount | B- | 5% | Liberty Mutual, State Farm |
By following these tips, comparing providers, and selecting the best car insurance options for drivers after an accident in Arkansas, you can find the coverage you need without breaking the bank. Remember to consider your unique circumstances and prioritize coverage that adequately protects you on the road. Learn from our guide “Get Low-Cost Car Insurance With Driver Discounts.“
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Case Studies: Top Car Insurance Providers After an Accident in Arkansas
Below are three case studies showing how State Farm, Geico, and Progressive supported Arkansas drivers after accidents.
- Case Study #1 — Fast Support After a Multi-Vehicle Accident: Sarah, an Arkansas driver, was involved in a multi-vehicle accident. With minimum coverage starting at $32/month, State Farm covered repairs, provided rental car assistance, and helped her save with a 17% bundling discount. She returned to the road quickly with minimal out-of-pocket expenses.
- Case Study #2 — Affordable Coverage After a Fender Bender: Josh, a student in Arkansas, had a minor fender bender. Geico offered him coverage at $66/month for minimum insurance, quickly processed his claims, and saved him an additional 25% through bundling. Geico’s low rates helped Josh handle his repair costs affordably.
- Case Study #3 — Snapshot Program Rewards Safe Driving: Lisa, an Arkansas driver, faced premium concerns after a minor accident. Progressive offered minimum coverage at $83/month and enrolled her in the Snapshot Program, which rewards safe driving with discounts. She also saved 12% with policy bundling, keeping costs low post-accident.
These case studies illustrate how the top car insurance providers in Arkansas—State Farm, Geico, and Progressive—offer tailored solutions for drivers after an accident. To gain additional insights, check out our comprehensive guide titled “What Documentation Do I Need to File a Car Insurance Claim With State Farm?“
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Whether you need low rates, fast claims processing, or rewards for safe driving, these companies deliver coverage that fits your needs. By entering your ZIP code below, you can get instant car insurance quotes from top providers.
Frequently Asked Questions
What is the best car insurance after an accident in Arkansas?
The best car insurance after an accident in Arkansas is the one that offers affordable rates, reliable coverage, and excellent claims support. Follow our guide, “Getting the Best Car Accident Settlement.”
How much does car insurance cost after an accident in Arkansas?
Car insurance rates after an accident vary, but minimum coverage typically ranges between $32 and $83 per month. Ready to find affordable car insurance? Get started today by entering your ZIP code below into our free comparison tool.
Will my car insurance rates increase after an accident in Arkansas?
Yes, rates often increase after an accident, but discounts and specific coverage options can help manage the impact.
What are the minimum coverage requirements for car insurance in Arkansas?
Arkansas requires minimum liability coverage for bodily injury and property damage, but additional options are available.
Can I lower my car insurance rates after an accident in Arkansas?
Yes, you can lower rates by maintaining a clean driving record, qualifying for discounts, and comparing different policy options. Check our guide “What is Your Car Accident Injury Claim Worth?”
How can I find affordable car insurance in Arkansas after an accident?
To find affordable insurance, compare quotes from multiple providers, consider minimum coverage, and explore available discounts.
What coverage options should I consider after an accident in Arkansas?
In addition to liability coverage, you may want to explore options like collision, comprehensive, or roadside assistance to protect yourself after an accident. Uncover our guide “Do You Need to Contact an Attorney After a Car Accident?”
Are there discounts available for car insurance after an accident in Arkansas?
Yes, discounts may be available for safe driving, bundling policies, or usage-based programs that track driving behavior.
How does an accident affect my car insurance eligibility in Arkansas?
While an accident may raise your rates, you will still be eligible for insurance, though the cost and coverage options may change. Read our guide, “How a Pre-existing Condition Affects Your Personal Injury Claim.”
Can I get car insurance in Arkansas with multiple accidents on my record?
Yes, even with multiple accidents, you can find car insurance, though it’s important to compare rates and coverage to find the best option. Find the best comprehensive car insurance quotes by entering your ZIP code below into our free comparison tool today.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.