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
Photo of an Insurify author
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 May 23, 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 May 23, 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 May 23, 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 May 23, 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Arkansas drivers pay an average of $106 per month for liability insurance and $263 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 Farm4.6$59$29Teens and young drivers
USAA4.7$72$35Military members
GEICO4.4$89$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 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. 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.

    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. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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.
4.6
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
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

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.
4.7
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.
$72/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
Billy - May 22, 2024
Verified

USAA

The price became too expensive.

Stephanie - May 22, 2024
Verified

Customer Service Review

The customer service is always professional and helpful. I am thankful for the great people they employ.

Richard - May 21, 2024
Verified

No

Good company.

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.
4.4
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.
$89/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
Kimberly - May 22, 2024
Verified

Never Again

They are horrible at handling claims and make you feel bad.

Anita - May 22, 2024
Verified

Excellent

Good customer service. Megan Burrell is very helpful and professional.

Charles - May 22, 2024
Verified

Good Insurance

Awesome.

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 $106 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: Thursday, May 16 at 12:00 PM PDT
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 Farm29
USAA35
GEICO44
Auto-Owners49
Safeco54
National General57
Shelter64
Allstate65
Nationwide65
Farmers65
Progressive69
Travelers69
Hallmark88
Liberty Mutual89
Midvale Home & Auto95
GAINSCO95
Dairyland97
Direct Auto125
The General126
Bristol West151
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 $263 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: Thursday, May 16 at 12:00 PM PDT
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 Farm59
USAA72
GEICO89
Auto-Owners100
Safeco119
Shelter130
Allstate131
Nationwide132
Farmers132
Travelers139
Progressive140
National General148
Midvale Home & Auto166
State Auto183
GAINSCO205
Liberty Mutual207
Dairyland239
Hallmark239
The General262
Direct Auto279
Bristol West360
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 $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 $158 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: Thursday, May 16 at 12:00 PM PDT
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 Farm2938
USAA3546
GEICO4458
Auto-Owners4965
Safeco5473
National General5783
Shelter6488
Allstate6586
Nationwide6587
Farmers6586
Progressive6992
Travelers6992
Hallmark88117
Liberty Mutual89130
Midvale Home & Auto95130
GAINSCO95139
Dairyland97129
Direct Auto125167
The General126169
Bristol West151199
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 $159 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: Thursday, May 16 at 12:00 PM PDT
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 Farm2939
USAA3548
GEICO4460
Auto-Owners4967
Safeco5471
National General5777
Shelter6491
Allstate6589
Nationwide6590
Farmers6588
Progressive6996
Travelers6995
Hallmark88117
Liberty Mutual89133
Midvale Home & Auto95137
GAINSCO95126
Dairyland97132
Direct Auto125175
The General126175
Bristol West151203
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: Thursday, May 16 at 12:00 PM PDT
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 Farm2949
USAA3559
GEICO4474
Auto-Owners4983
Safeco5491
National General5796
Shelter64108
Allstate65110
Nationwide65110
Farmers65110
Progressive69116
Travelers69116
Hallmark88149
Liberty Mutual89150
Midvale Home & Auto95160
GAINSCO95160
Dairyland97164
Direct Auto125211
The General126213
Bristol West151255
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: Thursday, May 16 at 12:00 PM PDT
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 Farm2142
USAA2653
GEICO3366
Auto-Owners3673
Safeco4089
Shelter4184
National General43111
Nationwide4591
Progressive4693
Farmers4795
Allstate4998
Travelers50101
Hallmark62169
Liberty Mutual65152
Midvale Home & Auto67117
Dairyland72178
GAINSCO72156
Direct Auto89199
The General96200
Bristol West113268
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: Thursday, May 16 at 12:00 PM PDT
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 Farm4899
USAA57118
GEICO68138
Auto-Owners83170
National General105273
Shelter109221
Nationwide110222
Allstate112226
Safeco112246
Farmers113230
Progressive123250
Travelers123247
Hallmark154419
Dairyland161396
Midvale Home & Auto163285
Liberty Mutual164381
GAINSCO168362
The General201419
Direct Auto225503
Bristol West254605
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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Shopper Approved
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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 $106 per month for liability insurance and $263 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 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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