By David Smith NWA Democrat Gazette Arkansas ranked 17th for lowest auto insurance rates in 2016, the year the most recent data is available, according to a report by the National Association of Insurance Commissioners. In its Auto Insurance Database Report, the national association showed Arkansas with an average auto insurance expenditure of $772 per vehicle in 2016. Arkansas' rate is below the national avaerage of $936. Average expenditure per insured vehicle is the total written premium for liability, collision, and comprehensive coverages divided by exposures. An exposure is expressed in car-years--one car-year is the risk assocated with insuring one car for one year. Arkansas's rate was lower than most of its bordering states including Missouri ($791), Oklahoma ($851), Mississippi ($859), Texas ($1,009), and Louisiana ($1,302). Tennessee ($760) was the only border state with a cheaper average expenditure. The Arkansas Insurance Department offers a brochure to help compare prices. The Consumer Servicees Division, 800-852-5494, can deliver a copy by mail or a representative can provide information. The brochure is also available online.