Arkansas is mostly rural, which generally means low insurance rates. If you've relocated from a more populous state, you should be getting a break. Watch out, though: As of 2007, 15% of Arkansas drivers were uninsured, despite state law. Arkansas doesn't require you to carry Personal Injury Protection coverage, but PIP will cover your medical expenses if you're in an accident with one of those uninsured drivers. Major insurance carriers have offices in Little Rock, Fort Smith, Jonesboro, and Fayetteville. For more details on insurance requirements, you should contact the Arkansas Insurance Department (http://insurance.arkansas.gov/).

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