Cheap Car Insurance in Arkansas (With Quotes, May 2022)

Arkansas is known for its action-packed outdoor attractions, such as natural rock formations and hiking trails. If you’re an Arkansas resident itching to explore the Natural State by car, you need to make sure that you fulfill the state’s minimum requirements before you can embark on your adventure. Use Insurify to score big savings on policies from top car insurance companies.

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

Insurify recommends getting at least four quotes from different car insurance providers to find the cheapest Arkansas auto insurance. Average monthly car insurance premiums can go as high as $269 or as low as $123, amounting to a $1,752 annual difference, which is why it’s important to shop around and see your options before committing to one provider.

See More: Car Insurance Quotes

Cheapest Liability Auto Insurance in Arkansas

Arkansas drivers are required by law to carry the minimum required bodily injury liability and property damage liability insurance. However, it’s important to remember that liability coverage only applies to the damage the other driver sustains and will not cover your medical expenses or vehicle repairs. You can find the cheapest liability-only insurance quotes in Arkansas below.

Cheapest Full-Coverage Auto Insurance in Arkansas

Going above the minimum coverage required by law and getting a full-coverage insurance policy is a wise choice if you want to protect yourself on the road. Liability car insurance only covers the damage the other driver sustains, so getting collision and comprehensive coverage as well is important to avoid high out-of-pocket costs in the event of an accident.

You can find some of the cheapest full-coverage auto insurance quotes in Arkansas below.

Shopping for cheap car insurance in Arkansas does not mean you have to sacrifice the quality of your policy. Insurify analyzes multiple factors to calculate an insurance company’s Insurify Composite Score (ICS) that reflects the provider’s quality, reliability, and overall health. With an ICS of 89 and an average monthly quote of $208, Nationwide leads the list of providers below.

See More: Best Car Insurance Companies

Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

Insurance companies take various factors into consideration when calculating your auto insurance rates. Your driving and accident history is one of the most important factors insurance providers consider. Arkansas drivers with a good driving history and no accidents on their record can expect to have the cheapest rates.

See More: High-Risk Car Insurance Arkansas

Cheap Car Insurance for Good Drivers in Arkansas

Insurance companies have different definitions of what being a “good driver” means, but typically, a good driver has a clean driving record and no history of accidents going back 3-7 years. Good drivers often qualify for the cheapest quotes because the insurers consider them to be low-risk. On average, good drivers in Arkansas can expect monthly quotes as low as $115.

Cheap Car Insurance for Drivers with DUI in Arkansas

A DUI on your record turns you into a high-risk driver in the eyes of your car insurance provider and drives up your premiums. For example, an average monthly quote with Progressive goes up from $115 for good drivers to $171 for drivers with a DUI on their record. At the same time, quotes from some car insurance companies, such as Hallmark, remain largely unaffected.

See More: SR-22 Insurance Arkansas

SR-22 Insurance in Arkansas

An SR-22 is a special form that you may be required to get in order to get back on the road if you have a DUI on your record. Your car insurance company needs to issue the SR-22 to prove that you are financially responsible. The companies listed below and many more can help you get SR-22 insurance in Arkansas.

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

Having at-fault accidents on your record is another factor that can significantly drive up your insurance premiums. For example, average rates for a driver with an at-fault accident on their record with Nationwide is $262, a $72 increase from an average monthly quote for a good driver. This increase adds up to an $864 difference in annual premiums.

Cheap Car Insurance for Drivers with Speeding Tickets in Arkansas

Speeding tickets can also prevent you from getting the best rates on car insurance in Arkansas. While the increase in average premiums is not as significant with some auto insurance companies—such as Travelers, which jumps from $154 for good drivers to $170 for those with speeding tickets—many providers will increase their rates by $50+.

Credit history can also be a factor that plays into your car insurance costs. According to Insurify data, Arkansas drivers with poor credit pay over $100 more per month than drivers with excellent credit. That’s because drivers with excellent credit tend to account for fewer paid claims than drivers with bad credit history.

See More: Bad Credit Car Insurance Arkansas

Finding a cheap car insurance policy is easier in certain Arkansas cities. For example, Fayetteville and Fort Smith have some of the lowest rates in Arkansas—$182 and $176, respectively—while residents of Little Rock and Pine Bluff can expect higher insurance premiums, with averages of $239 and $227, respectively.

Your age is one of the most significant factors that determine the cost of your car insurance. Teen drivers and young drivers can expect to pay the highest rates, $402 and $319 on average. However, auto insurance gets cheaper as you age and gain more experience on the road, with average rates for drivers in their 50s and 60s going down to $154 and $149, respectively.

Every state has minimum insurance requirements, and Arkansas is no exception. Additionally, all drivers in Arkansas will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Arkansas.

Minimum Car Insurance Requirements in Arkansas

Arkansas' minimum liability auto insurance limits are as follows:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident

Arkansas DMV Information

The Arkansas Department of Motor Vehicles—or DMV—is a government agency that is responsible for handling various services that Arkansas drivers need, such as vehicle registration and driver’s license renewal.

The Arkansas DMV offers many of its services online—such as new vehicle registration—so check on the website to see if what you need to do can be done online to save you time.

Public Transportation in Arkansas

The most convenient way to get around Arkansas cities and travel around the state is by car. However, some public transportation is still available—there is a daily bus service in various cities, such as Little Rock, as well as a Rock Region METRO system.

No two drivers are the same, and no two insurance providers weigh factors such as your age and driving history following the same algorithm. As a result, car insurance rates can vary significantly from provider to provider, and it is important to get at least four quotes from different car insurance companies to find the cheapest car insurance in Arkansas.

Use Insurify to find cheap car insurance in Arkansas in under five minutes. Instead of spending hours manually contacting car insurance companies to request a quote and then comparing your premiums, deductibles, and coverage limits, simply spend a few minutes on Insurify’s website and get instant access to 10+ real quotes that you can buy online or over the phone.