Cheapest Auto Insurance in Arkansas (2025)

The cheapest insurer in Arkansas is State Farm, which has rates as low as $30 per month.

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Cheapest recent car insurance quotes in Arkansas

Drivers using Insurify have found quotes as cheap as $49/mo for liability only and $95/mo for full coverage in Arkansas.

*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Arkansas drivers pay an average of $120 per month for liability insurance and $250 per month for full coverage. That’s more expensive than the national average and possibly because of the state’s fourth-highest traffic fatality rate in the U.S., with about 21 deaths per 100,000 people.[1]

Here’s what you should know about finding affordable car insurance in the Bear State.

Quick Facts
  • The cheapest company for full coverage in Arkansas is State Farm, with rates of $54 per month.

  • Arkansas follows modified comparative negligence standards, meaning you can only recover damages from the other driver if you’re less than 50% at fault in an accident.[2]

  • Insurance companies in Arkansas must offer a defensive driver discount for drivers age 55 and older who’ve successfully completed an approved course.[3]

3 of the cheapest car insurance companies in Arkansas

If you’re looking for cheap car insurance in Arkansas, consider different factors like your ZIP code, budget, driving record, and coverage needs. It’s also a good idea to compare several auto insurance companies to find one that offers a great deal.

To help you with your search, here are three of the cheapest car insurance companies in Arkansas.

State Farm

State Farm logo
User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$30/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$54/mo
4.2
Best choiceBased on 11,128 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,002)

Jane

May 19, 2025

Verified Review

State Farm is too expensive

I was with them for over forty years, but my insurance kept going up. I was paying $400.00 a month, so I had to leave.

Richard

May 18, 2025

Verified Review

Customer service a lost cause

I've been with them for over 25 years, and a few years ago, my agent retired, and the customer service went completely downhill. My former agent would call just to say hi and ask if there was anything I needed. The new agent and I have rarely talked, maybe 2-3 times in 4-5 years. I also tried to get a lower rate because I have multiple cars, but I never heard back, and they just increased the prices.

Jimi

May 16, 2025

Verified Review

Average

No response to the email sent to the agent. Unable to get the status of a claim. Premium increased.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

If you’re a teen or young driver in Arkansas, you may be able to lock in a low rate with State Farm. The insurance company offers the Steer Clear program, which can save drivers younger than 25 up to 15% for having no at-fault accidents or moving violations on their records. You may also secure a discount for being a student.

Pros
  • Above-average J.D. Power customer satisfaction rating in the Central region

  • Drive Safe & Save program rewards safe drivers

Cons
  • Doesn’t offer gap insurance

  • Fewer advertised discounts than competitors

USAA

USAA logo
User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$37/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$65/mo
4.9
Best choiceBased on 2,072 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,183)

Rosemarie

May 16, 2025

Verified Review

Fair

More reasonable prices.

John

May 15, 2025

Verified Review

Agents are quick to respond.

Great! They are very attentive to my needs!

Debra

May 15, 2025

Verified Review

Only Okay

Customer service is pretty hands-off. Our homeowner's policy went up a huge amount this year. I'll need to go shopping again, which is not what I like to do.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
879
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

If you’re a military member or veteran in the state, you might find cheap premiums with USAA. The insurer specifically serves the military community with car insurance as well as other insurance products, like homeowners insurance, renters insurance, and life insurance.

Pros
  • Top-rated mobile app

  • Multiple discounts advertised

Cons
  • Restrictive membership requirements

  • No gap insurance available

GEICO

GEICO logo
User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$148/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$178/mo
4.0
Best choiceBased on 11,898 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,410)

Carla

May 19, 2025

Verified Review

Perfect record, but keeps costing more.

Good through the years, but the cost keeps increasing.

Jt

May 16, 2025

Verified Review

Taken for Granted

I have been a long-time customer, and my rates keep going up. For a person who has a clean record, it's not fair.

Cuneyt

May 16, 2025

Verified Review

Geico increases premiums after Not-At-Fault Accidents

They increase your premium even if someone rear-ends your car!
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
847
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO offers various savings opportunities for senior drivers in Arkansas, such as its retired government and military discount, defensive driving discount, and five-year good driving discount. Also, if you’re at least 50, you may benefit from its Prime Time Contract, which guarantees your policy renewal.

Pros
  • Offers car accident forgiveness

  • Various coverage options available

Cons
  • Doesn’t offer gap insurance

  • Below-average J.D. Power customer satisfaction rating in the Central region

State Farm vs. USAA and GEICO

If you’re shopping for car insurance in Arkansas, see how these three companies compare.

State Farm logo
USAA logo
GEICO logo
Average price
Prices based on average across state-minimum and full coverage car insurance
$42/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$51/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$163/mo*
Overall rating
4.2
Overall rating
4.9
Overall rating
4.0
Value for money
3.9/5
Value for money
4.9/5
Value for money
3.8/5
Customer service
4.2/5
Customer service
4.7/5
Customer service
4.0/5
Claims handling
4.1/5
Claims handling
4.9/5
Claims handling
4.1/5
Special highlight
AI-generated from 6002 user reviews
Customer service
Special highlight
AI-generated from 1183 user reviews
Members of the military community
Special highlight
AI-generated from 6410 user reviews
Teen drivers
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

How to get the cheapest car insurance in Arkansas

Many car insurance companies offer auto policies to Arkansas drivers, and it can be hard to find the one that best fits your budget. These tips can help you land the lowest rates:

  • Look for discounts. Many car insurance companies offer discounts to customers, including an auto-pay discount, a multi-car discount, and a loyalty discount. Find out which discounts apply to you and take advantage of them.

  • Bundle policies. If you purchase your car insurance from the same company as your home insurance, renters insurance, or life insurance, you may be able to lock in more affordable auto insurance coverage.

  • Drive safely. Serious traffic violations, like speeding, at-fault accidents, and DUIs, can increase your car insurance costs. For the cheapest rates, do your best to be a safe driver.

  • Compare quotes. Use a quote-comparison tool or work with a car insurance agent to get quotes from at least three different car insurance companies. Then, choose the auto insurance company with the cheapest premiums and the right coverage for your needs.

Find Cheap Car Insurance in Arkansas

Liability rates start at $30 per month

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Cheapest liability-only car insurance quotes in Arkansas: State Farm

Arkansas law requires drivers to purchase liability-only car insurance. This coverage pays for other people’s property damage and injuries after an accident you cause. Liability-only policies in Arkansas cost an average of $120 per month.

Here’s a look at the most affordable quotes for liability insurance in the state.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$30
USAA$37
Auto-Owners$51
Shelter$66
Allstate$67
Farmers$68
Nationwide$68
Travelers$71
Progressive$72
Root$73
Safeco$94
GAINSCO$95
National General$100
Dairyland$105
The General$126
Bristol West$143
Liberty Mutual$156
Direct Auto$196
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance quotes in Arkansas: State Farm

Full-coverage car insurance usually includes liability coverage, collision coverage, and comprehensive coverage. It offers additional protection on the road, and you may need it if you finance or lease your vehicle. Arkansas drivers pay an average of $250 per month for full-coverage car insurance.

The table below shows the best quotes for a full-coverage policy in Arkansas.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$54
USAA$65
Auto-Owners$91
Shelter$118
Allstate$120
Farmers$121
Nationwide$121
Travelers$127
Progressive$128
Root$136
National General$168
Safeco$182
GAINSCO$221
The General$268
Dairyland$269
Liberty Mutual$301
Bristol West$370
Direct Auto$443
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Arkansas

Arkansas is an at-fault state, also called a tort state. This means the driver responsible for the accident must pay for the damages and injuries they cause to drivers and passengers in another vehicle. Arkansas car insurance laws are unique in that they follow modified comparative negligence standards.

Under modified comparative negligence standards, you can collect damages from the other driver only if you’re less than 50% at fault. The Bear State requires bodily injury liability coverage and property liability coverage and mandates proof of insurance when law enforcement requests it.

Here are the minimum insurance requirements in Arkansas:

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

While the coverage amounts above meet the minimum requirements in Arkansas, you might want to upgrade your coverage with any of the following options:

    • illustration card https://a.storyblok.com/f/162273/150x150/0ee044afbd/car-and-driving-96x96-orange_039-car-accident.svg

      Collision coverage

      Collision coverage pays to repair or replace your vehicle after you hit another vehicle or object, no matter who’s at fault.

    • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

      Comprehensive coverage

      Comprehensive coverage helps pay for vehicle damage from non-collision events, like fires, theft, falling objects, and vandalism.

    • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

      Uninsured/underinsured motorist coverage

      Uninsured/underinsured motorist coverage protects you from financial losses if someone without insurance or enough insurance hits you.

    • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

      Gap coverage

      Gap insurance covers the difference between your loan balance and your insurance settlement after a total loss.

    • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

      Roadside assistance coverage

      Roadside assistance coverage pays for fuel delivery, towing, tire changes, and related services to cover emergency situations.

Average cost of car insurance by age

Insurance companies consider your age when determining premiums. Teen drivers pay higher car insurance premiums than other age groups due to their limited experience behind the wheel. Average rates generally decrease around age 25 and start to increase again around age 70.

Because of impairments like poor vision and slower reflexes, seniors’ driving capabilities may cause their risk of an accident to increase.[4] But senior drivers still typically pay lower-than-average rates.

Age Group
sort ascsort desc
Average Monthly Quote: Liability Only
sort ascsort desc
Average Monthly Quote: Full Coverage
sort ascsort desc
Teen drivers$209$435
Adult drivers$112$234
Senior drivers$95$199
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance in Arkansas by driving record

If your driving record has at-fault accidents, speeding tickets, or driving under the influence (DUI) violations, insurers may perceive you as a high-risk driver and charge you more expensive premiums. But some incidents carry a heavier penalty. If you’re convicted of a DUI in Arkansas, for example, you may face a license suspension, fines, be required to have an ignition interlock device, and more.[5]

On average, Arkansas drivers with a clean record usually pay $120 for liability coverage per month, while drivers with a DUI spend an average of $205 per month.

Cheapest car insurance rates in AR with a speeding ticket

Getting a speeding ticket can increase your car insurance rates. The quotes shown below are for Arkansas drivers with a speeding ticket.

*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Cheapest car insurance rates in AR with an at-fault accident

Insurance companies may raise your rates after an at-fault accident. The quotes shown below are for Arkansas drivers with an at-fault accident.

*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Cheapest car insurance rates in AR with a DUI

Insurers consider you a high-risk driver if you have a DUI on your record. The quotes shown below are for Arkansas drivers with a DUI.

*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Cheapest car insurance rates in AR with an SR-22

High-risk drivers may need an SR-22 certificate to prove they meet their state’s minimum insurance requirements. The quotes shown below are for Arkansas drivers with an SR-22.

*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 22, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheap SR-22 Insurance in Arkansas from $36 Per Month

Cheap SR-22 Insurance in Arkansas from $36 Per Month

How car insurance rates have changed in Arkansas

Average annual full-coverage costs in Arkansas increased to more than $2,400 in 2024 — a 25% increase from 2023, according to an Insurify report. Full-coverage rates also rose nationally due to factors like increased climate disasters and higher vehicle repair costs.

The chart below shows how car insurance rates in Arkansas have changed over the past two years.

Average Arkansas Car Insurance Rates over the Past Two Years

Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
  • Where you live in Arkansas, even down to your ZIP code, can affect your car insurance rates. Drivers living in populated areas with higher crime and accident rates generally pay more for insurance than drivers in rural areas.

    The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
    Data reviewed by Konstantin Halachev
    Headshot of Konstantin Halachev, VP of Engineering at Insurify
    Konstantin HalachevVP of Engineering & Data Science
    • 7+ years experience in data analysis

    • Ph.D. in Computational Biology

    Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

    City
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Russellville$101$219
    Fort Smith$118$232
    Fayetteville$123$228
    Springdale$123$243
    Paragould$126$215
    Jonesboro$129$253
    Conway$129$238
    Benton$134$258
    Pine Bluff$135$308
    North Little Rock$148$281
    Little Rock$156$284
    Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Arkansas car insurance FAQs

Before you begin to shop around for car insurance, it’s important to figure out the right amount of coverage you’ll need on the road. The following information should help as you’re researching your insurance coverage options in Arkansas.

  • The average cost of car insurance in Arkansas is $120 per month for liability insurance and $250 per month for full coverage.

  • State Farm, USAA, and Auto-Owners offer the cheapest liability insurance coverage in Arkansas, with rates of $30, $37, and $51 per month, respectively.

    But the best way to find the cheapest rates for your situation is to compare quotes from at least three different insurers for the same coverage level. The more quotes you get, the better, so shopping around with an online comparison tool can help.

  • Some of the best car insurance companies in Arkansas include State Farm, GEICO, and USAA. These insurers have solid AM Best financial strength ratings, strong Insurify Quality (IQ) Scores, and relatively cheap rates for drivers.

  • Arkansas requires drivers to maintain 25/50/25 minimum insurance coverage. This translates to $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 per accident in property damage liability coverage.

  • Arkansas drivers can reduce car insurance costs by looking for discounts, maintaining clean driving records, bundling insurance policies, and comparing quotes regularly.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Institute for Highway Safety. "Fatality Facts 2022: State by State."
  2. Nolo. "Arkansas Auto Accident Laws."
  3. Arkansas Insurance Department. "Consumers FAQ."
  4. Insurance Information Institute. "Senior driving safety and insurance tips."
  5. Arkansas Department of Finance and Administration. "DUI/DWI/BUI/BWI OFFENSES."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Anna has been a contributor at Insurify since December 2022.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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