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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 Arkansas auto insurance quotes.
| Cheapest Companies | |
|---|---|
 State Farm | $56/mo |
 Allstate | $69/mo |
 Nationwide | $80/mo |
GEICO | $93/mo |
 Direct Auto | $148/mo |
| Best Companies | ||
|---|---|---|
Nationwide | $80/mo | |
 American Family | $238/mo | |
State Farm | $56/mo | |
GEICO | $93/mo | |
Allstate | $69/mo | |
 Liberty Mutual | $225/mo |
Arkansas' capital, Little Rock, is the state's most populous city at almost 200,000 denizens. As of 2016, 8.9% of Little Rock households had no vehicle.
| City | Cheapest Carrier | |
|---|---|---|
| Little Rock |  State Farm | $82/mo |
| Fort Smith | State Farm | $63/mo |
| Fayetteville | State Farm | $59/mo |
| Springdale | State Farm | $61/mo |
| Jonesboro |  Nationwide | $102/mo |
| North Little Rock |  Allstate | $85/mo |
| Conway |  Safeco | $141/mo |
| Rogers | Allstate | $74/mo |
| Pine Bluff | Allstate | $82/mo |
| Bentonville | Nationwide | $93/mo |
| Benton | State Farm | $69/mo |
| Sherwood | State Farm | $76/mo |
| Texarkana | Allstate | $69/mo |
| Russellville | Allstate | $76/mo |
| Jacksonville | State Farm | $69/mo |
| Bella Vista | State Farm | $56/mo |
| Paragould | State Farm | $64/mo |
| Cabot | Allstate | $85/mo |
| West Memphis | State Farm | $73/mo |
| Hot Springs National Park | Safeco | $144/mo |
| Searcy |  GAINSCO | $138/mo |
For drivers in Arkansas, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Arkansas. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Arkansas.
For drivers in Arkansas, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Arkansas. The following are the best insurance rates from carriers that offer full coverage auto insurance in Arkansas.
| Cheapest companies | |
|---|---|
Progressive | $168/mo |
 Safeco | $181/mo |
Direct Auto | $188/mo |
Nationwide | $199/mo |
 GAINSCO | $207/mo |
Arkansas' minimum liability auto insurance limits are as follows:
| Insurance Company | |
|---|---|
State Farm | $46/mo |
Allstate | $69/mo |
Nationwide | $80/mo |
GEICO | $93/mo |
Direct Auto | $148/mo |
| Insurance Company | |
|---|---|
State Farm | $34/mo |
Southern Farm Bureau | $42/mo |
USAA | $43/mo |
| Insurance Company | |
|---|---|
USAA | $32/mo |
State Farm | $38/mo |
Coumbia | $39/mo |
| Insurance Company | |
|---|---|
USAA | $25/mo |
State Farm | $34/mo |
Farm Bureau Financial | $37/mo |
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, 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 Company | |
|---|---|
USAA | $20/mo |
State Farm | $29/mo |
Columbia | $30/mo |
Farm Bureau Financial | $32/mo |
GEICO | $33/mo |
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 identification 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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Arkansas drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Arkansas drivers rank 41 in the number of car accidents per driver.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Arkansas drivers rank 35 in the number of speeding infractions per driver across all fifty states.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Arkansas drivers rank 23 in the number of DUI’s per driver across all fifty states.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Arkansas is the Ford F-Series Pickup.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Arkansas drivers rank 42 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Arkansas drivers rank 12 in clean driving records across all fifty states.
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Arkansas drivers rank 8 in street racing violations per driver.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Arkansas drivers rank 18 in failure to yield violations per driver across all fifty states.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Arkansas drivers rank 28 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Arkansas drivers rank 46 in hybrid and electric vehicle ownership across all fifty states.
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
On the state level, Arkansas has mixed record when it comes to environmental initiatives. In Little Rock, an EPA grant recently funded green infrastructure, including rain gardens and tree meanders along Main Street. However, the Arkansas Department of Environmental Quality recently finalized new rules that roll back standards for pollution produced by electric power plants.
Van Buren won Insurify's Most Patriotic Cities Award for the state of Arkansas. It is just northeast of Fort Smith, an historic military post and the planned site of the new United States Marshals Service National Museum.
Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Arkansas is vital for all car insurance shoppers hitting the road in The Natural State.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
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