Arkansas vs Maryland Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Arkansas is $50/yr cheaper on average.

Fewer Uninsured

Maryland has a lower uninsured rate (12.2% vs 16.6%).

Rate & Coverage Comparison

Attribute	Arkansas	Maryland
Avg Annual Premium	$1,820	$1,870
Min Liability	$590	$610
Full Coverage	$1,820	$1,870
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	16.6%	12.2%
Registered Vehicles	2,469,840	5,065,140
Accidents/Year	37,047	75,977
Population	3,012,000	6,177,000

Minimum Coverage Requirements

Arkansas

25/50 / 25 liability

Maryland

30/60 / 15 liability

Premium Comparison

Arkansas$590 – $1,820

Liability: $590Avg: $1,820Full: $1,820

Maryland$610 – $1,870

Liability: $610Avg: $1,870Full: $1,870

ArkansasFull rates, age breakdown, requirements →MarylandFull rates, age breakdown, requirements →

📊

CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Arkansas or Maryland?

Arkansas has cheaper car insurance, with an average annual premium of $1,820 compared to $1,870 in Maryland - a difference of $50 per year.

How do Arkansas and Maryland compare on fault systems?

Arkansas uses a at-fault (tort) system while Maryland uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Arkansas vs Maryland?

Arkansas requires 25/50 / 25 liability. Maryland requires 30/60 / 15 liability. Minimum liability costs $590/yr in Arkansas and $610/yr in Maryland.

Which state has more uninsured drivers, Arkansas or Maryland?

Arkansas has a higher uninsured driver rate at 16.6%, compared to 12.2% in Maryland. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Arkansas vs Maryland insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity

Attribute

Arkansas

Maryland

Avg Annual Premium

$1,820

$1,870

Min Liability

$590

$610

Full Coverage

$1,820

$1,870

Fault System

At-Fault (Tort)

Uninsured Rate

16.6%

12.2%

Registered Vehicles

2,469,840

5,065,140

Accidents/Year

37,047

75,977

Population

3,012,000

6,177,000