Cheap Auto Insurance Quotes in Arkansas (2021)

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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.

CityCheapest CarrierQuote
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
AllstateAllstate
$82/mo
State FarmState Farm
$61/mo
State FarmState Farm
$74/mo
AllstateAllstate
$75/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

Arkansas Driving Facts

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
arkansas

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 CompanyQuotes
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 CompanyQuotes
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 CompanyQuotes
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 CompanyQuotes
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 CompanyQuotes
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.

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

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

Batesville

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

Most Patriotic City

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.