Car Insurance in Rogers, AR

Even the most careful drivers are sometimes involved in accidents. That is why vehicle owners in Rogers are required to have car insurance. Whether you are involved in a serious crash on Interstate 49 or a fender-bender on W Walnut Street, a good auto insurance policy can shield you from large financial losses.

Local independent agents can work with some of the area’s most highly rated insurance companies to help you find the coverage you want at a competitive price. Contact an independent insurance agent near you to start comparing customized car insurance quotes.

How Much Does Car Insurance Cost in Rogers, AR?

The average cost of car insurance in Rogers, Arkansas is lower than the national average. This is excellent news for area drivers looking for an affordable policy.

• National average annual car insurance cost: $1,311
• Arkansas average annual car insurance cost: $1,239
• Rogers average annual car insurance cost: $1,235

Car insurance premiums can vary a lot between drivers. For instance, a 20-year college student insuring a muscle car will likely pay a lot more for coverage than a 40-year-old teacher insuring a minivan.

Car insurance companies calculate rates according to several factors such as:

• The number of vehicles you are insuring
• The year, make, and model of each vehicle
• Your age, occupation, and driving record
• Information about other licensed drivers in your household
• The amount of liability insurance you are buying
• Which, if any, coverage options you are including in your policy
• The size of your deductible

Every insurance company calculates rates differently, so every quote you get will likely be different. Looking for the best rate has the potential to save you hundreds of dollars a year. Independent insurance agents make comparison shopping easy.

You may be able to score even lower rates if you qualify for offered car insurance discounts such as military discounts, safe driver discounts, good student discounts, multi-car discounts, and discounts for bundling your car insurance with other policies like homeowners insurance or renters insurance.

Is Car Insurance Required in Rogers, AR?

As a vehicle owner in Rogers, you need to carry a policy that meets or exceeds the minimum coverage requirements set forth by the state of Arkansas.

By law, car insurance policies in Arkansas need to only include liability coverage. This is designed to pay for injuries and property damage you may cause to others if you are at fault for a collision.

Your auto liability coverage must meet or exceed the following minimums:

• Bodily-injury liability coverage per person: $25,000
• Bodily-injury liability coverage per accident: $50,000
• Property damage liability coverage per accident: $25,000

Sometimes, vehicle owners also need to include physical damage coverage in their car insurance policies. Though not required by law, physical damage insurance is usually required by lenders or dealerships if you are financing your leasing your car. Physical damage coverage includes:

• Collision insurance: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive insurance: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.

If you own your vehicle outright, collision and comprehensive coverage are optional.

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What Else Can Rogers, AR Car Insurance Cover?

In addition to the coverage mentioned above, your insurance company is likely to offer some coverage options such as:

• Uninsured and underinsured motorist insurance: This is designed to cover the treatment of injuries sustained by you and your passengers if you are hurt in a collision caused by an uninsured or underinsured driver.
• Medical payments insurance: This is designed to help to cover the cost of medical treatments if you or your passengers are injured in a collision, regardless of fault.
• Roadside assistance: This is designed to pay for assistance and towing services if your vehicle breaks down, such as if you get a flat tire, your engine overheats, or you run out of gas.
• Gap insurance: This is usually only a good idea in the first year or two of new car ownership. It is designed to pay off your car loan if your vehicle is totaled in a covered event, but you still owe more for it than it is worth.
• Rental reimbursement coverage: This is designed to cover the cost of renting a car while your own vehicle is being repaired for damage sustained in a covered event.

When you take the time to review the details of the coverage options available to you and find out how much each would cost to add to your policy, you can best determine which are a good fit for you and your family.

What Is the Penalty for Driving without Car Insurance in Rogers, AR?

It is illegal to drive an uninsured vehicle in Arkansas. If caught, uninsured drivers can face:

• Fines ranging from $50 to $1,000
• Suspension of their vehicle’s registration and driver’s license
• Reinstatement and administrative fees
• Possible jail time for up to one year

Additionally, if an uninsured driver is at fault for an accident, they will be responsible for paying for any property damage and injuries they may have caused in the collision.

Despite this, a large percentage of motorists in this state are driving without insurance:

• Percentage of US drivers who are uninsured: 13.0%
• Percentage of Arkansas drivers who are uninsured: 16.6%

If your car insurance policy includes uninsured motorist insurance, you can rest assured that if you or your passengers are injured in a collision caused by an uninsured driver, you will have the coverage you need to handle medical costs without the need to go through lengthy legal channels to collect it.

How High Is the Auto Theft Rate in Rogers, AR?

The auto theft rate in Arkansas is slightly higher than the national average, but in Rogers, the risk is lower. Residents of this city report around 100 auto thefts a year.

• National auto theft rate per 1,000 people: 2.29
• Arkansas auto theft rate per 1,000 people: 2.36
• Rogers auto theft rate per 1,000 people: 1.49

Though the risk is low, you should know that you can only be reimbursed for a stolen car if your auto insurance policy includes comprehensive coverage. This insurance covers a wide range of non-collision losses and damage, such as if an uprooted tree falls on your vehicle or if your car is destroyed in a tornado.

If you are leasing or financing your vehicle, chances are good you have comprehensive coverage already. If not, you may want to look into how much it would cost for you to add it to your car insurance policy so you can best decide whether it is a good value for you.

What Are the Best Car Insurance Companies in Rogers, Arkansas?

Attributes that make insurance companies stand out above the rest include responsive customer service, consistent reliability, timely claims processing, and competitive rates.

Independent insurance agents have teamed up with some of the best car insurance companies in Arkansas. This lets you be sure that any policies your agent may recommend to you are offered by companies you can count on if you ever need to file a claim.

How Can an Independent Agent in Rogers, AR Help Me Find the Best Car Insurance Policy?

Independent agents make it easy to find the best car insurance policy. These agents are available to answer your coverage-related questions and can help you obtain and compare rates from some of the area’s most highly rated insurance providers.

Best of all, working with one of these experienced insurance professionals won’t cost you a thing. Arrange an obligation-free consultation with an independent insurance agent near you to start comparing customized car insurance quotes.