An access terminal in a coverage area of an access network may be monitoring a level of loading on the coverage area's reverse link, such as by monitoring a series of reverse activity bits sent by the access network. The access terminal may then detect new data for transmission to the access network and responsively select a reverse-link data rate based on the monitored level of loading. In this respect, the access terminal may select (a) a first data rate (e.g., a reverse-link data rate at which the access terminal last transmitted data) if the access terminal detects a low load, and (b) a second data rate (e.g., a minimum available reverse-link data rate) if the access terminal detects a high load, where the second data rate is lower than the first data rate. The access terminal may also consider its location in selecting the reverse-link data rate.