The Natural State is home to breathtaking landscapes complete with over 600,000 acres of lakes and 9,700 miles of streams and rivers. From the Ozark Mountains in the north to the Coastal Plain in the south, and the valleys and mountains in between—Arkansas has it all. Whether you’re road-tripping through the south or are lucky enough to call Arkansas home, with nearly one million registered vehicles on over 200,000 miles of roadways, a solid auto insurance policy is vital for every driver. Compare and save on the best and cheapest car insurance quotes in Arkansas here.

Cheapest Car Insurance Companies in Arkansas

Here are the cheapest insurance companies in Arkansas based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.

Find and compare the best, cheapest auto insurance quotes in AR here.

Insurance CompanyQuotes
State Farm$56/month
Allstate$69/month
Nationwide$80/month
GEICO$93/month
Direct Auto$148/month

Best Car Insurance Companies in Arkansas

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Arkansas. For the complete list and to get quotes, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuotes
American Family88$238/month
GEICO87$93/month
Allstate86$69/month
Nationwide84$80/month
State Farm83$56/month
Liberty Mutual80$225/month

Most Popular Car Insurance Companies in Arkansas

The American car insurance market is lead by a few key players. According to the Insurance Information Institute (III), these are the most popular car insurance companies in Arkansas by market share:

Cheapest Car Insurance in Arkansas by City

Many factors come into account when insurance companies are calculating your monthly premium. Driving history and demographic information will surely impact your cost of coverage, but did you know your address will, too? Auto insurance costs may vary greatly depending on locations and insurance companies. The cheapest offering in Little Rock could be the priciest in Jonesboro.

Insurify analyzed the latest data for five of the most populous cities in Arkansas to find you the cheapest quotes in each of these metropolitan areas.

CityInsurance CompanyQuote
Little RockState Farm$82/month
Fort SmithState Farm$63/month
FayettevilleState Farm$59/month
SpringdaleState Farm$61/month
JonesboroNationwide$102/month

Cheapest Car Insurance in Arkansas by Profile

Just like geographic location, your personal profile may drastically affect your monthly premium. Here are the cheapest insurance companies in Arkansas based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.

USAA will frequently offer Arkansas residents the cheapest auto insurance options, but members must be retired or current officers and enlisted personnel of the U.S. military and their family members. 

Cheap Car Insurance for Good Drivers

For Arkansas drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. State Farm offers the best options for good drivers in Arkansas, at $56 per month. With both cheaper premiums and safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance CompanyQuotes
State Farm$56/month
Allstate$69/month
Nationwide$80/month
GEICO$93/month
Direct Auto$148/month

Cheap Car Insurance for High-Risk Drivers

High-risk drivers in Arkansas, including those with one or more traffic violations, may have to pay more on their car insurance premiums. Arkansas drivers with demerits on their driving records tend to have higher monthly premiums than the national average. State Farm offers the best deal for drivers with a DUI at $34/month. For drivers with at-fault accidents and speeding tickets on their driving record, USAA provides the best option at $34 per month. Average rates for high-risk drivers tend to be higher than other drivers.

Cheap Car Insurance for Drivers with DUI in Arkansas

The lookback period in Arkansas is ten years, meaning a DUI will stay on your record for a decade. Consequently, you could be paying the price for years to come if you’ve been charged with a DUI. In addition to increased insurance costs, DUIs in Arkansas can lead to jail time, license suspension, thousands of dollars in fines, and substance abuse program requirements. Punishments worsen with each subsequent offense, or if a minor is in the vehicle when the DUI is committed. Drivers may also be mandated to install ignition interlocking devices in their cars to prevent future offenses.

Insurance CompanyQuotes
State Farm$34/month
Southern Farm Bureau$42/month
USAA$43/month

Cheap Car Insurance for Drivers with an At-Fault Accident in Arkansas

If you’re found at-fault for a car accident in Arkansas, your monthly premiums may increase significantly. Even a little fender-bender can have major financial repercussions.

Insurance CompanyQuotes
USAA$34/month
State Farm$38/month
Columbia$39/month

Cheap Car Insurance for Speeding Drivers in Arkansas

Getting to your destination a few minutes early is not worth the costly effects of speeding tickets on your car insurance rates. Slow down and take a look at these car insurance quotes for speeders in Arkansas.

Insurance CompanyQuotes
USAA$25/month
State Farm$34/month
Farm Bureau Financial Services$37/month

Cheap Car Insurance for Young Drivers in Arkansas

If you’re under 40 years old in the state of Arkansas, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers in Arkansas, averaging $20 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance CompanyQuotes
USAA$20/month
State Farm$29/month
Columbia Insurance Group$30/month
Farm Bureau Financial Services$32/month
GEICO$33/month

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Car Insurance for Drivers with Poor Credit

Unfortunately, it can be challenging to find cheap car insurance in Arkansas if you have a poor credit score. 

Arkansas car insurers are permitted to use credit score as a factor when calculating the risk of any given policyholder, meaning they can increase your insurance rates if you have bad credit. 

Insurers have found that drivers with poor credit histories are more likely to file auto insurance claims, thus increasing insurance premiums for bad credit drivers to account for the increased risk. Car insurance premiums fluctuate based on many factors, not just credit score, depending on where you live in Arkansas. Good credit can save you a whole lot of cash in the long run.

Arkansas State Insurance Laws

Every state has unique auto insurance requirements. Make sure your policy meets the state-mandated mandatory minimums by reviewing Arkansas’ requirements here.

State Minimum Car Insurance Coverage in Arkansas

All motor vehicles operated or parked on Arkansas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Arkansas auto insurance requirements are among the most comprehensive in the country. Coverage requirements mandated by Arkansas law are a bit more comprehensive than the average state. The minimum liability car insurance requirements for private passenger vehicles in Arkansas are as follows:

  • $25,000 per person/$65,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Arkansas state law are $25,000 for the death or injury of a single victim as a result of a car accident and $65,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/65, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Arkansas law.

  • $15,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Arkansas is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Optional Supplemental Coverage

Comprehensive coverage and collision coverage pay for repairs to your own car when it’s involved in a car accident or stolen. Many car insurance policies refer to this as “full coverage.” Comprehensive coverage and collision coverage are two of the three basics that make up what’s commonly called a “full coverage” auto policy (liability, collision, and comprehensive). Coverage limits will differ from policy to policy.

Comprehensive insurance coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses or auto damage due to a collision.

Collision insurance coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”

Medical Payments, or simply Med Pay, covers reasonable medical costs for you or your passengers in the case of injury from an accident. If a car accident results in serious bodily injury, Med Pay can help ease the stress of high medical bills after a hospital visit by increasing coverage levels.

Uninsured and underinsured motorist coverage are required forms of insurance in Arkansas. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be protected by their uninsured motorist coverage.

Am I liable if I cause a car accident in Arkansas?

Arkansas follows a fault-based car insurance system. 

What does that mean, exactly? The driver who is determined to be at-fault in an accident is responsible for damages. The at-fault driver must compensate any other driver, passengers, or injured pedestrians affected in the accident. Determining fault in a car accident isn’t always cut and dry. Sure, if one driver is texting and causes a pile-up, they’re clearly at fault. But what happens if the details of the accident are a bit foggier? Because of this, litigation is often involved after car accidents in fault-based car insurance systems.

Distracted Driving in Arkansas

Using electronic devices while operating a motor vehicle is a known dangerous activity and is the cause of 4,800 fatal accidents every year in AR alone. In Arkansas, it is illegal for any driver, regardless of age or experience, to text while driving. The use of hand-held devices is banned for drivers from 18 to 20 years old, and for all drivers in school zones or highway construction areas. The use of cell phones is fully banned for bus drivers and novice drivers under 18 years old.

SR-22 Insurance in Arkansas

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Arkansas on your behalf. Arkansas’s state licensing authority will inform drivers if they might require SR-22 insurance. If you’ve committed a DUI, DWI, a moving violation, or another serious offense, you may be required to hold SR-22 insurance. The cost of filing an SR-22 is just one of many reasons drinking and driving is simply not worth it. 

In Arkansas, many insurance companies offer SR-22 insurance, such as Ameriprise, Consumers Insurance, Dairyland, Direct General, Esurance, Farm Bureau Financial Services, Farmers, Foremost, GEICO, Good2Go, Hallmark, Infinity, Jupiter Auto, Mendota, National General, Progressive, Safeco, Safeway, The General, United Auto, and Victoria.

Arkansas Car Insurance FAQs

Which insurance company offers the cheapest auto insurance in Arkansas?

The best way to get the cheapest car insurance in Arkansas and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify.com provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How is fault assigned after a car accident in Arkansas?

As a fault-based state, after a car accident, the driver found at-fault will be responsible for compensating other drivers and passengers for property damage and bodily injury. Blame may be split amongst multiple drivers, and damages would be split accordingly. 

What is the punishment for committing a DUI in Arkansas? 

DUIs can really damage a driver’s driving record. The punishment can be severe, too; Arkansas drivers risk one day to one year in jail, $150 to $1,000 in fines, court fees, six-month license suspension, drug/alcohol treatment, and mandated installation of interlocking ignition devices. Punishments worsen for subsequent offenses. 

What happens if I drive uninsured in Arkansas?

Driving uninsured puts yourself and those around you at great risk. An estimated 16.6 percent of drivers on Arkansas roads are uninsured or underinsured. If caught, uninsured drivers face hundreds in fines, civil penalties, license and registration suspension, SR-22 requirements, and even jail time for subsequent offenses.

Arkansas DMV Information

The Arkansas Department of Finance and Administration has DMV outposts all over the state.

At the DMV, Arkansas residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. For the shortest wait times, avoid planning your visit on Mondays and Fridays or during lunch hours. Regardless of where you live in the Land of Opportunity, a DMV shouldn’t be too far. Arkansas residents may be able to skip their visit altogether and get what they need through the DMV’s online portal.

Conclusion: How to Get the Cheapest Car Insurance in Arkansas

To find the best rates, companies, and coverage based on your personal metrics, get a free quote by using an auto insurance quotes comparison site like Insurify. From Fayetteville to El Dorado, Arkansas drivers deserve to find the cheapest car insurance available.

Score savings on car insurance with Insurify

Compare Quotes

 

Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.