Arkansas is ranked 27th among the 50 states in terms of auto insurance premiums. An average driver in Rogers, Arkansas should expect to pay around $1,189 per year for full coverage and $622 for minimum coverage. The national average is $1,730 and $635, respectively.
Adding a young driver to your Rogers, AR car insurance policy will raise your rates to about $3,121 per year while having a traffic violation on your record can cause your rates to increase to $1,598.
Other factors that can affect your Rogers auto insurance premiums include the type of car you drive and where you park it overnight. Sports cars cost more to insure than sedans, while parking in a garage or on the street can have an impact on rates as well.
Are Your Rogers, AR Rates Too High?
To help you determine whether you are paying too much for auto insurance in Rogers, we have prepared a set of questions you should ask yourself:
- Are you shopping around for the best rate?
- Does your coverage meet Arkansas’ minimum requirements?
- Are there any discounts you can take advantage of?
- Have you compared rates from multiple carriers?
- Is your insurance company financially stable and well-rated?
- Are your premiums in line with the national average?
Shopping around for Rogers car insurance quotes is the best way to make sure you’re getting the best coverage at the lowest rate. Compare quotes from multiple carriers and take advantage of any discounts you may qualify for, such as good driver or bundling your policies.
If your rates are still too high after comparing all the available options, it may be time to switch to a different insurance company. Always make sure to do your research and find an insurance company that is financially stable and has a good customer service rating.
Arkansas requires all drivers to carry liability coverage that meets the state’s minimum requirements. Liability coverage pays for bodily injury and property damage caused by an accident in which you are at fault. Drivers must also have uninsured/underinsured motorist coverage, which helps pay for damages if you’re in an accident with an uninsured or underinsured motorist.
In Rogers, the minimum coverage requirements are:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured/Underinsured Motorist Coverage: Same limits as bodily injury liability
If your auto insurance doesn’t meet these minimum requirements, you are probably paying too much for your coverage. Consider increasing your liability limits or purchasing additional coverage such as comprehensive and collision to help keep your rates low.
Rogers, Arkansas Car Insurance Discounts
There are several discounts available to drivers in Rogers, Arkansas that can help lower your premiums. Some of the more common discounts include good driver, multi-car, multi-policy, and loyalty discounts. Make sure to ask your insurance company about all the available discounts you may qualify for and how you can take advantage of them.
Compare Rogers, AR Vehicle Insurance Rates Today!
OZK Insurance is here to help make sure you get the best rate on car insurance in Rogers, Arkansas. Our agents will work with you to compare rates from multiple carriers and find coverage that meets your needs and budget. Contact us today to get started!