Cheap Auto Insurance Quotes in Arkansas (November 2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Natural State.

Enter your zipcode to get started

Facebook following

24,000

Followers

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

More Chances to Save in the Land of Opportunity

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 Car Insurance in Arkansas

Here are the cheapest carriers in Arkansas for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Arkansas.

Best Car Insurance in Arkansas

The Insurify Composite Score is calculated by analyzing multiple factors that indicate 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, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Arkansas. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Arkansas

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Arkansas to find you the cheapest quotes in each of these metropolitan areas.

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.

Quotes by Top Carriers
Quotes ($/mo)
$82
$91
$114
$199
$272
$274
$298
State FarmAllstateNationwideDirect AutoThe GeneralAmerican FamilyLiberty Mutual
Monthly $
CityCheapest Carrier
State FarmState Farm
$82/mo
State FarmState Farm
$63/mo
State FarmState Farm
$59/mo
State FarmState Farm
$61/mo
NationwideNationwide
$102/mo
AllstateAllstate
$85/mo
SafecoSafeco
$141/mo
AllstateAllstate
$74/mo
AllstateAllstate
$82/mo
NationwideNationwide
$93/mo
State FarmState Farm
$69/mo
State FarmState Farm
$76/mo
AllstateAllstate
$69/mo
AllstateAllstate
$76/mo
State FarmState Farm
$69/mo
State FarmState Farm
$56/mo
State FarmState Farm
$64/mo
AllstateAllstate
$85/mo
State FarmState Farm
$73/mo
SafecoSafeco
$144/mo
GAINSCOGAINSCO
$138/mo

Cheapest Liability Auto Insurance in Arkansas

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.

Cheapest Full Coverage 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.

Arkansas Driving Facts

arkansas

Minimum Car Insurance Requirements in AK

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

Cheapest Car Insurance Quotes in Arkansas by Profile

Here are the cheapest insurance companies in Arkansas based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Arkansas drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. State Farm offers the best options for good drivers in Arkansas, at $46 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
Insurance Company
State Farm
$46/mo
Allstate
$69/mo
Nationwide
$80/mo
GEICO
$93/mo
Direct Auto
$148/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
Insurance Company
State Farm
$34/mo
Southern Farm Bureau
$42/mo
USAA
$43/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
Insurance Company
USAA
$32/mo
State Farm
$38/mo
Coumbia
$39/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
Insurance Company
USAA
$25/mo
State Farm
$34/mo
Farm Bureau Financial
$37/mo

Cheap Car Insurance for Young Drivers

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 policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Arkansas 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Arkansans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
USAA
$20/mo
State Farm
$29/mo
Columbia
$30/mo
Farm Bureau Financial
$32/mo
GEICO
$33/mo

SR‌-22 Insurance in Arkansas

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Arkansas on your behalf.

AK DMV Information

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.

Insurify Insights: How Arkansas Drivers Measure Up

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.

Accidents Arkansas

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.

  • Rank of States: #41
  • Percent of drivers in Arkansas with an accident: 8.54%
  • Drivers in AR with an accident in their driving history paid on average 49.7% more than drivers with a clean record

Speeding Arkansas

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.

  • Rank of States: #35
  • Percent of drivers in Arkansas with a speeding ticket: 8.95%
  • Drivers in AR with a speeding ticket in their driving history paid on average 40.83% more than drivers with a clean record

DUI/DWIs Arkansas

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.

  • Rank of States: #23
  • Percent of drivers in Arkansas with a DUI: 2.03%
  • Drivers in AR with a DUI in their driving history paid on average 12.43% more than drivers with a clean record

Most Popular Vehicle Arkansas

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.

Rude Arkansas

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.

  • Rank of States: #42
  • Percent of drivers in Arkansas with a reckless driving violation: 1.42%
  • Drivers in AR with a reckless driving violation in their driving history paid on average 39.05% more than drivers with a clean record.

Safest Drivers Arkansas

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.

  • Rank of States: #12
  • Percent of drivers in Arkansas with clean record: 83.06%

Street Racing Arkansas

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.

  • Rank of States: #8
  • Percent of drivers in Arkansas with a street racing violation: 0.01%

Failure to Yield the Right of Way Arkansas

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.

  • Rank of States: #18
  • Percent of drivers in Arkansas with a failure to yield violation: 0.44%
  • Drivers in AR with a failure to yield violation in their driving history paid on average 44.97% more than drivers with a clean record

Reckless Drivers Arkansas

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.

  • Rank of States: #28
  • Percent of drivers in Arkansas with a reckless driving offense: 0.08%

Hybrid/Electric Vehicle Ownership Arkansas

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.

  • Rank of States: #46
  • Percent of drivers in Arkansas with a hybrid/electric vehicle: 0.53%

Greenest Cities in Arkansas

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.

Greenes Cities

Sherwood

Greenes Cities
% of Hybrids / Electrics
2%
Most Patriotic City

Most Patriotic City

North Little Rock

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

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.

Road Statistics

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.

road with cars illustration

Road Rankings

22%Rural Roads in
Poor Condition

#7
Ranked

7%Structurally Deficient
Rural Bridges

#12
Ranked

2%Fatality Rate per 100M VMT
on Rural Roads

#5
Ranked


FAQs - Arkansas Car Insurance

Which insurance company offers the cheapest auto insurance in Arkansas?

The best way to get the cheapest car insurance in Arkansas and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How is fault assigned after a car accident in Arkansas?

As a fault-based state, after a car accident, the driver found at-fault will be responsible for compensating other drivers and passengers for property damage and bodily injury. Blame may be split amongst multiple drivers, and damages would be split accordingly.

What is the punishment for committing a DUI in Arkansas?

DUIs can really damage a driver’s driving record. The punishment can be severe, too; Arkansas drivers risk one day to one year in jail, $150 to $1,000 in fines, court fees, six-month license suspension, drug/alcohol treatment, and mandated installation of interlocking ignition devices. Punishments worsen for subsequent offenses.

What happens if I drive uninsured in Arkansas?

Driving uninsured puts yourself and those around you at great risk. An estimated 16.6 percent of drivers on Arkansas roads are uninsured or underinsured. If caught, uninsured drivers face hundreds in fines, civil penalties, license and registration suspension, SR-22 requirements, and even jail time for subsequent offenses.

Insurify Rate Comparison Methodology

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.


Full starFull starFull starFull starFull star
3668 Reviews

Insurify is rated 4.8 out of 5 based on 3668 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!