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Arkansas Insurance Guide
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Insurance in Arkansas
Find comprehensive insurance information for Arkansas (AR) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Southeast region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Arkansas (AR) |
| Region | Southeast |
| Population | ~3.0M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Arkansas Department of Insurance |
Health Insurance in Arkansas
Arkansas residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Arkansas
Arkansas has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Arkansas
Protect your home with coverage tailored to Arkansas’s specific risks and requirements.
Life Insurance in Arkansas
Find life insurance options available to Arkansas residents to protect your family’s financial future.
How Arkansas Compares
Understanding how Arkansas stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Arkansas | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,456 | $1,935 | -25% (near average) |
| Health Insurance (monthly) | $656 | $477 | +38% (above average) |
| Home Insurance (annual) | $2,234 | $2,377 | -6% (above average) |
| Uninsured Rate | 11.0% | 9.5% | +16% (below average) |
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Arkansas Insurance Department (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Arkansas (opens in new tab) - Federal health insurance marketplace for Arkansas
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Arkansas address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Arkansas Insurance Department
- Phone
- 501-371-2600
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Arkansas?
Arkansas requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Uninsured motorist coverage is also required at the same limits.
How do I get health insurance in Arkansas?
Arkansas uses the federal marketplace at Healthcare.gov. The state also has Arkansas Works, a Medicaid expansion program using private insurance plans. Open enrollment runs November through January, with special enrollment periods for qualifying life events.
Does Arkansas homeowners insurance cover tornado damage?
Yes, standard homeowners insurance covers tornado and wind damage in Arkansas. Given Arkansas’s location in Tornado Alley, adequate coverage is essential. Review your wind/hail deductible, which may be higher than your standard deductible.
Is flood insurance required in Arkansas?
Flood insurance is not required by state law, but mortgage lenders require it for properties in FEMA-designated flood zones. Even outside flood zones, coverage is recommended given Arkansas’s river systems and heavy rainfall potential.
What is the average cost of car insurance in Arkansas?
Arkansas drivers pay approximately $1,300-$1,600 per year for full coverage auto insurance, which is near the national average. Rates vary based on location, with urban areas like Little Rock typically having higher premiums.
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[arkansas] Insurance Types
Compare insurance options available to [arkansas] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
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