Cheapest Auto Insurance in Arkansas (2024)

The cheapest insurer in Arkansas is State Farm, which has rates as low as $28 per month.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Updated March 1, 2024 at 11:00 AM PST

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Arkansas drivers pay an average of $101 per month for liability insurance and $232 per month for full coverage. That’s more expensive than the national average, possibly because of the state’s high traffic fatality rate: 22.9 deaths per 100,000 people in 2021.[1]

Here’s how to find affordable car insurance, compare quotes, and get the auto coverage you need in the Bear State.

Quick Facts
  • The cheapest auto insurer for full coverage is State Farm, with rates of $56 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 older than 55 who have 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.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.5$56$28Teens and young drivers
USAA4.5$68$34Military members
GEICO4.2$85$43Senior drivers
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for teens and young drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
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.
$28/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.
$56/mo

Nearly 23% of Arkansas’ population is younger than 18.[4] 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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
879
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.
$34/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.
$68/mo

More than 180,000 veterans call Arkansas home, according to the U.S. Census Bureau.[4] 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

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best insurer for senior drivers: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
847
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.
$43/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.
$85/mo

Data from the U.S. Census Bureau shows that 17.8% of Arkansas residents are 65 or older. GEICO offers various savings opportunities for senior drivers in the state, 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

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

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:

  • 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.

  • Look for discounts. Many car insurance companies offer discounts to customers, including an auto-pay discount, multi-car discount, and 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 responsible driver.

Find Cheap Car Insurance in Arkansas

Liability rates start at $28 per month

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Cheapest liability-only car insurance in Arkansas: State Farm

Arkansas law requires drivers to purchase liability-only car insurance. This coverage pays for others’ property damage and injuries after an accident you cause. Liability-only policies in Arkansas cost an average of $101 per month.

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

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm28
USAA34
GEICO43
Auto-Owners48
National General57
Safeco58
Shelter62
Allstate63
Nationwide64
Farmers64
Travelers67
Progressive67
State Auto70
Liberty Mutual79
Hallmark85
Midvale Home & Auto92
GAINSCO94
Direct Auto100
Dairyland104
The General125
Bristol West146
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 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 $232 per month for full-coverage car insurance.

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

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm56
USAA68
GEICO85
Auto-Owners96
Shelter124
Allstate125
Nationwide126
Travelers126
Farmers127
Safeco129
Progressive134
National General149
Midvale Home & Auto166
State Auto185
Direct Auto193
GAINSCO198
Liberty Mutual200
Hallmark220
Dairyland230
The General254
Bristol West336
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.

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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. However, the car insurance laws in the state 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.[2] 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:[3]

CoverageMinimum Requirements
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/x/169fdfde11/liability-coverage.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.

How Much Car Insurance Do You Need? (2024)

How Much Car Insurance Do You Need? (2024)

Cheapest car insurance for drivers with an incident

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 as a result. For this reason, Arkansas drivers with clean records usually pay cheaper rates.

If you have a poor driving record, you can still find affordable auto insurance coverage. Here’s how driving incidents can affect your car insurance costs in Arkansas.

Shop for Car Insurance in Arkansas

Monthly rates start at $35 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding can impair your ability to react quickly and increase the risk of accidents. Arkansas drivers with speeding tickets usually pay more for car insurance, even if they didn’t cause an accident while speeding. The average cost of car insurance for drivers with a speeding ticket in Arkansas is $149 per month for liability-only coverage.

Below, you’ll find the cheapest liability-only auto policies for Arkansas residents with speeding tickets.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith Speeding Ticket
State Farm2836
USAA3445
GEICO4356
Auto-Owners4865
National General5775
Safeco5882
Shelter6289
Allstate6382
Nationwide6485
Farmers6484
Travelers6789
Progressive6791
State Auto7096
Liberty Mutual79111
GAINSCO94120
Direct Auto100136
Dairyland104141
The General125169
Bristol West146194
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 car insurance for drivers with an at-fault accident: State Farm

Once you cause an accident, insurers consider you a riskier driver and charge you higher rates. Drivers with an at-fault accident pay an average of $152 per month for insurance. These companies also offer cheap liability rates for Arkansas drivers with at-fault accidents on their records.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith Accident
State Farm2838
USAA3446
GEICO4359
Auto-Owners4866
National General5779
Safeco5887
Shelter6292
Allstate6386
Nationwide6488
Farmers6487
Travelers6793
Progressive6795
State Auto70104
Liberty Mutual79116
GAINSCO94126
Direct Auto100143
Dairyland104145
The General125177
Bristol West146199
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.
Is Accident Forgiveness Insurance Worth It?

Is Accident Forgiveness Insurance Worth It?

Cheapest car insurance for drivers with a DUI: State Farm

Arkansas takes DUIs very seriously and penalizes drivers with DUIs through a license suspension, fines, ignition interlock device, and more.[5] The cheapest auto insurance company for drivers with a DUI in Arkansas is State Farm, with rates at $46 per month.

Here are the cheapest liability-only car insurance rates for drivers with a DUI in Arkansas:

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith DUI
State Farm2846
USAA3455
GEICO4370
Auto-Owners4878
National General5793
Safeco5894
Shelter6293
Allstate63103
Nationwide64104
Farmers64104
Travelers67109
Progressive67109
State Auto70114
Liberty Mutual79129
GAINSCO94153
Direct Auto100163
Dairyland104169
The General125203
Bristol West146238
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 car insurance for seniors: State Farm

Due to impairments like poor vision and slower reflexes, seniors’ driving capabilities may decline and cause their risk of an accident to increase.[6] Average rates typically decrease at age 35 and increase a bit again around age 70. However, senior drivers still typically pay lower-than-average rates.

The cheapest car insurance company for seniors in Arkansas is State Farm, but you may also be able to find cheap rates in Arkansas with the companies in the table below.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyLiability OnlyFull Coverage
State Farm2039
USAA2550
GEICO3161
Auto-Owners3569
Shelter4181
National General43113
Nationwide4486
Progressive4488
Safeco45101
Allstate4692
Farmers4691
Travelers4891
Liberty Mutual59149
Direct Auto70136
GAINSCO70148
Dairyland77170
The General95194
Bristol West107246
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 car insurance for teens: State Farm

Because of their limited experience behind the wheel, teens and young drivers in Arkansas pay higher car insurance premiums than other age groups. The cheapest insurer for teen drivers in Arkansas is State Farm, with a cost of $49 per month. Fortunately, teens and young drivers can save by staying on their parents’ auto policy and locking in a good student discount.

This table shows the cheapest car insurance options for teen drivers in Arkansas.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyLiability OnlyFull Coverage
State Farm4998
USAA57115
GEICO69137
Auto-Owners82164
Safeco106235
Shelter108217
National General110288
Nationwide112220
Allstate113224
Farmers114225
Progressive122244
Travelers123231
State Auto128337
Liberty Mutual137346
Dairyland172380
GAINSCO173364
Direct Auto186358
The General204414
Bristol West247569
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.

Find Car Insurance in Arkansas

Liability rates start at $28 per month

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Arkansas car insurance quotes by credit tier

Like most states, Arkansas allows auto insurance companies to consider your credit history when underwriting policies and determining rates.[7] Because insurers believe drivers with good and excellent credit are less likely to file claims, they usually offer them cheaper premiums. And drivers with poor credit tend to pay more expensive rates.

Here’s how your credit history affects your car insurance rates in Arkansas.

Rates by Credit Tier

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.

Arkansas car insurance FAQs

Check out Insurify’s auto insurance guide for first-time drivers, and read the answers to common questions about car insurance in Arkansas below.

  • How much is car insurance in Arkansas?

    The average cost of car insurance in Arkansas is $101 per month for liability insurance and $232 per month for full coverage.

  • Which company has the cheapest car insurance in Arkansas?

    State Farm, USAA, and GEICO offer the cheapest liability insurance coverage in Arkansas, with rates of $28, $34, and $43 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.

  • What are the best car insurance companies in Arkansas?

    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.

  • What is the minimum insurance required in Arkansas?

    Arkansas requires drivers to maintain 25/50/25 minimum insurance coverage. This translates to $25,000 per person and $50,000 per accident for bodily injury liability coverage and $25,000 per accident for property damage liability coverage.[3]

  • How can you reduce your car insurance costs in Arkansas?

    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 2021: State by state." Accessed January 9, 2024
  2. Nolo. "Arkansas Auto Accident Laws." Accessed January 9, 2024
  3. Arkansas Insurance Department. "Consumers FAQ." Accessed January 9, 2024
  4. U.S. Census Bureau. "QuickFacts: Arkansas." Accessed January 9, 2024
  5. Arkansas Department of Finance and Administration. "DUI/DWI/BUI/BWI OFFENSES." Accessed January 9, 2024
  6. III. "Senior driving safety and insurance tips." Accessed January 9, 2024
  7. Arkansas Insurance Department. "Understanding How Insurers Use Credit Information." Accessed January 9, 2024
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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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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