Mountain Home Car Insurance Resources

Mountain Home, AR Car Insurance

Cars Insured in Mountain Home

^ There are an estimated 9,093 vehicles currently insured in Mountain Home. ^[1]

Car Insurance Rates in Mountain Home

^ From 2006 to 2010, Arkansas cities had the 36th highest auto insurance rates in the nation. ^[2]

Uninsured Motorists in Mountain Home

^ There are an estimated 1,336 uninsured motorists driving in Mountain Home. ^[3]

Mountain Home Car Insurance

Car Insurance Liability Requirements in Mountain Home

Minimum Liability Limits in Mountain Home: 25/50/25 ^[4]
- 25 Required coverage up to $25,000 for one individual injured in an accident
- 50 Required coverage up to $50,000 for all persons injured in an accident
- 25 Required coverage up to $25,000 for property damage in an accident
- Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Mountain Home

Mountain Home Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage
- Personal injury protection coverage

Car Insurance Verification Laws in Mountain Home

Insurer Verification of Auto Insurance in Mountain Home ^[4]
- Insurer must verify financial responsibility or insurance after an accident or arrest.
- Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Mountain Home Car Insurance Facts, Estimates & Related Laws

Mountain Home Car Insurance Stats

Number of Auto Insurance Policies in Mountain Home
- Based on historical and current data, 9,093 cars are currently insured in Mountain Home. ^[5]
- Arkansas cities collectively ranked 32nd in the nation in auto insurance policies in 2011 with a total of 2,130,051. ^[1]
Uninsured Motorist Rate in Mountain Home
- Based on historical and current data, Mountain Home has an estimated 1,336 uninsured drivers. ^[6]
- Arkansas cities collectively had the 12th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Mountain Home
- Arkansas cities collectively had the 35th highest auto insurance rates in the nation in 2010. ^[2]

Mountain Home Distracted Driving Laws

Hand-held phone ban? Yes

hand-held phone ban in place for drivers 18 or older but younger than 21 and also in school and highway work zones. ^[7]

Texting-while-driving ban? Yes

Texting-while-driving ban in place for all drivers. ^[7]

Young drivers cell phone ban? Yes

Ban applies to drivers younger than 18. ^[7]

Bus driver cell phone ban? Yes

Ban applies to school bus drivers. ^[7]

Enforcement of laws:

Primary enforcement in effect for texting by all drivers and cellphone use by school bus drivers. Secondary enforcement in effect for cellphone use by young drivers, drivers in school and work zones. ^[7]
With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.

Mountain Home Automotive Laws

Minimum Driving Age in Mountain Home ^[9]
- Mountain Home, AR minimum driving age: 14 years.
Driver's License Renewal Cycle in Mountain Home
- Renewal cycle: 4 years ^[7]
Motorcycle Helmet Laws in Mountain Home
- Motorcycle helmets required for 20 and younger. ^[7]
Safety Belt Laws in Mountain Home
- Safety belt laws have been in place since 1991 and apply to drivers/passengers 15+ years in front seat. ^[7]
- Child restraint law in place for 5 years and younger and less than 60 pounds. ^[7]

Arkansas Car & Driver Facts

Arkansas Auto Registrations

Auto Registrations in AR ^[8]
- Registered Cars: 1,021,817
- Registered Trucks: 1,346,842
- Registered Motorcycles: 76,301
- Total Registrations: 2,448,310
- Rank: Arkansas ranked 31st in the United States in total auto registrations in 2011.

Arkansas Automotive Facts

Speed Limits in AR
- Rural interstates: 70 mph (Trucks: 65 mph) ^[7]
- Urban interstates: 55 mph ^[7]
- Other roads: 55 mph ^[7]
Arkansas Motor Fuel Consumption
- Arkansas cities collectively ranked 30th in the nation in total motor fuel consumption in 2011. ^[10]

Arkansas Licensed Drivers

Licensed Drivers in AR ^[11]
- Female Drivers: 1,051,052
- Male Drivers: 905,039
- Total Drivers: 1,956,091
- Rank: 32nd highest in the U.S.

Additional information about Mountain Home, AR

About Mountain Home

Mountain Home (Arkansas) is a city with a population of 12,448 ^[12] that is located in Baxter County.

More about Mountain Home auto insurance

For more information about Mountain Home car insurance, or for additional resources regarding Arkansas car insurance overall, visit the Arkansas Department of Insurance.

Did you know?

Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)