Cheapest Auto Insurance in Arkansas (2024)

The cheapest insurer in Arkansas is State Farm, which has rates as low as $29 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 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.

Updated June 20, 2024

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Cheapest recent rates in Arkansas

Drivers using Insurify have found quotes as cheap as $29/mo for liability only and $59/mo for full coverage in Arkansas.

*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Arkansas drivers pay an average of $111 per month for liability insurance and $277 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 $59 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 Farm9.3$59$29Teens and young drivers
USAA9.4$71$35Military members
GEICO9.0$88$44Senior 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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

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.
9.3
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.
$29/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.
$59/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

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

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.
9.4
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.
$35/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.
$71/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

Read our USAA review
Claude - June 20, 2024
Verified

Excellent

Outstanding all the time.

Christie - June 18, 2024
Verified

Ok

I have had USAA banking and auto insurance for 20 years. I just changed my bank account and am now looking for new insurance. They used to be awesome and nobody could even make me think of switching, but it seems people these days don't care about good customers.

John - June 18, 2024
Verified

USAA is tough to beat

I have yet to receive a quote that beats USAA!

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.
9.0
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.
$44/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.
$88/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

Read our GEICO review
Solomon - June 20, 2024
Verified

Educated Consumer

It's a good company; however, search other companies for a cheaper cost.

Gloria - June 20, 2024
Verified

Expensive

It's a good insurance, just expensive for me at this time.

George - June 20, 2024
Verified

Been with them for 22 years and no one has yet beaten their price for me

Check with other companies first. One of the best things they offer is a monthly policy term.

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 $29 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 $111 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: Tuesday, June 18 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 CompanyAverage Monthly Quote
State Farm$29
USAA$35
GEICO$44
Auto-Owners$49
Safeco$54
National General$60
Shelter$64
Farmers$65
Nationwide$65
Allstate$65
Progressive$69
Travelers$69
Liberty Mutual$90
Hallmark$90
GAINSCO$95
Dairyland$96
Midvale Home & Auto$97
The General$127
Direct Auto$142
Bristol West$150
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 $277 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: Tuesday, June 18 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 CompanyAverage Monthly Quote
State Farm$59
USAA$71
GEICO$88
Auto-Owners$100
Safeco$119
Shelter$129
Allstate$130
Farmers$132
Nationwide$132
Travelers$139
Progressive$140
Midvale Home & Auto$166
National General$167
GAINSCO$207
Liberty Mutual$214
Dairyland$241
Hallmark$245
The General$264
Direct Auto$320
Bristol West$366
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 recent rates in Arkansas

Drivers using Insurify have found quotes as cheap as $44/mo for liability only and $88/mo for full coverage in Arkansas.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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. 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 $36 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 $164 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: Tuesday, June 18 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 CompanyClean Driving RecordWith Speeding Ticket
State Farm$29$38
USAA$35$46
GEICO$44$58
Auto-Owners$49$65
Safeco$54$73
National General$60$79
Shelter$64$88
Farmers$65$86
Nationwide$65$87
Allstate$65$86
Progressive$69$92
Travelers$69$92
Liberty Mutual$90$131
Hallmark$90$119
GAINSCO$95$138
Dairyland$96$128
Midvale Home & Auto$97$133
The General$127$170
Direct Auto$142$189
Bristol West$150$197
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 $167 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: Tuesday, June 18 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 CompanyClean Driving RecordWith Accident
State Farm$29$40
USAA$35$48
GEICO$44$61
Auto-Owners$49$67
Safeco$54$72
National General$60$83
Shelter$64$92
Farmers$65$89
Nationwide$65$90
Allstate$65$89
Progressive$69$97
Travelers$69$96
Liberty Mutual$90$135
Hallmark$90$120
GAINSCO$95$126
Dairyland$96$132
Midvale Home & Auto$97$141
The General$127$178
Direct Auto$142$199
Bristol West$150$204
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 $49 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: Tuesday, June 18 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 CompanyClean Driving RecordWith DUI
State Farm$29$49
USAA$35$59
GEICO$44$75
Auto-Owners$49$83
Safeco$54$92
National General$60$102
Shelter$64$109
Farmers$65$110
Nationwide$65$110
Allstate$65$110
Progressive$69$117
Travelers$69$117
Liberty Mutual$90$153
Hallmark$90$153
GAINSCO$95$161
Dairyland$96$163
Midvale Home & Auto$97$165
The General$127$216
Direct Auto$142$241
Bristol West$150$255
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: Tuesday, June 18 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 CompanyLiability OnlyFull Coverage
State Farm$21$43
USAA$26$53
GEICO$33$66
Auto-Owners$36$73
Safeco$41$91
Shelter$42$84
National General$44$123
Nationwide$45$92
Progressive$46$94
Farmers$47$96
Allstate$49$98
Travelers$51$102
Hallmark$64$175
Liberty Mutual$68$161
Midvale Home & Auto$69$119
Dairyland$72$181
GAINSCO$74$160
The General$97$202
Direct Auto$103$232
Bristol West$113$275
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 $48 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: Tuesday, June 18 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 CompanyLiability OnlyFull Coverage
State Farm$48$98
USAA$57$115
GEICO$68$135
Auto-Owners$82$168
Shelter$107$217
Nationwide$109$221
Safeco$110$243
Allstate$111$223
Farmers$112$227
National General$112$313
Progressive$122$247
Travelers$122$245
Hallmark$156$425
Dairyland$157$393
Liberty Mutual$163$386
Midvale Home & Auto$164$280
GAINSCO$165$360
The General$200$416
Bristol West$249$609
Direct Auto$253$571
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 $29 per month

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Based on 3,806+ reviews
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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 $111 per month for liability insurance and $277 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 $29, $35, and $44 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."
  2. Nolo. "Arkansas Auto Accident Laws."
  3. Arkansas Insurance Department. "Consumers FAQ."
  4. U.S. Census Bureau. "QuickFacts: Arkansas."
  5. Arkansas Department of Finance and Administration. "DUI/DWI/BUI/BWI OFFENSES."
  6. III. "Senior driving safety and insurance tips."
  7. Arkansas Insurance Department. "Understanding How Insurers Use Credit Information."
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.

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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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