Average Car Insurance Cost in Arkansas (2025)
Drivers in Arkansas pay an average of $186 per month for car insurance.
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Written byKat Tretina
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Kat Tretina
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
On average, car insurance in Arkansas costs $120 per month for minimum coverage and $253 for full coverage. This is higher than the national average of $105 for minimum coverage and $196 for full coverage.
Car insurance rates in the Natural State have increased in recent years. Arkansas drivers may pay higher rates for a few reasons, including the state’s high percentage of uninsured drivers or underinsured motorists and high rate of serious accidents.[1]
But you can still save money on auto insurance within Arkansas by adjusting your coverage, changing your deductible, and shopping around for coverage.
Here’s what you should know about car insurance in Arkansas.
Quick Facts
The average annual rate for car insurance in Arkansas is $1,441 per month for minimum coverage and $3,031 for full coverage.
State Farm, USAA, and GEICO offer the lowest rates for car insurance in the state, on average.
Residents of Pine Bluff pay the highest rates for full-coverage policies in Arkansas.
How much is car insurance in Arkansas?
Car insurance in Arkansas is relatively expensive compared to the national average.
Arkansas law requires all drivers to have insurance coverage that meets 25/50/25 policy minimums. Liability policies cover bodily injury claims, property damage, medical expenses, and personal injury costs after an accident. Policies that meet state-minimum coverage requirements cost an average of $120 per month, or $1,441 per year.
Full-coverage policies provide more robust coverage, with collision, comprehensive, and liability insurance. On average, Arkansas drivers pay $253 per month, or $3,031 per year, for a full-coverage policy.
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How Arkansas car insurance rates have changed over the past two years
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To find car insurance rates in Arkansas and the U.S. over the last two years, download our data here.
The average yearly price for full-coverage car insurance in Arkansas rose to more than $2,400 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though not as quickly as in Arkansas.
See how Arkansas car insurance prices have changed over the past two years below.
Average Arkansas Car Insurance Rates over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Arkansas car insurance rates by city
Car insurance rates can vary significantly by location, even down to the ZIP code. Drivers in some cities can pay hundreds more in annual rates for coverage than drivers in other areas. Cities with congested traffic or high crime rates tend to have more expensive average car insurance rates.
For example, drivers in Paragould pay an average of $215 per month for full-coverage insurance. By contrast, drivers in Pine Bluff pay $308 per month — which is higher than the state average. The higher rates make sense because Pine Bluff has a high crime rate, with a much higher incidence rate of property crimes than the rest of Arkansas.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Russellville | $101 | $219 |
| Fort Smith | $118 | $232 |
| Fayetteville | $123 | $228 |
| Springdale | $123 | $243 |
| Paragould | $126 | $215 |
| Jonesboro | $129 | $253 |
| Conway | $129 | $238 |
| Benton | $134 | $258 |
| Pine Bluff | $135 | $308 |
| North Little Rock | $148 | $281 |
| Little Rock | $156 | $284 |
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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Arkansas Car Insurance Laws and Requirements (2025)
Average Arkansas car insurance rates by age and gender
Your car insurance premiums vary based on several factors, including your age and gender. Teen drivers are generally more likely to have serious accidents than other age groups, so insurance companies charge them much higher rates. Rates typically decrease with age, but senior drivers 70 and older pay slightly higher rates due to aging-related risk factors.
By gender, men are statistically more likely to be in accidents or engage in risky behaviors like driving under the influence. Men often have higher premiums than women.[2]
Below, you can find average rates for Arkansas drivers by age and gender.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $243 | $520 |
| 18 | $211 | $452 |
| 20 | $158 | $338 |
| 25 | $140 | $300 |
| 30 | $122 | $261 |
| 40 | $112 | $240 |
| 50 | $103 | $220 |
| 60 | $96 | $206 |
| 70+ | $107 | $228 |
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.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $243 | $520 |
| 18 | $211 | $452 |
| 20 | $158 | $338 |
| 25 | $140 | $300 |
| 30 | $122 | $261 |
| 40 | $112 | $240 |
| 50 | $103 | $220 |
| 60 | $96 | $206 |
| 70+ | $107 | $228 |
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.
Average cost to insure popular vehicles in Arkansas
Agriculture is the largest industry within the state of Arkansas, according to the Arkansas Farm Bureau, so it makes sense that pickups are the most popular vehicles within the state. The four most popular vehicles in Arkansas in 2024 were all pickups.[3]
Considering that new pickups are quite expensive — many start at about $40,000 — insurance rates tend to be higher than the average for all vehicles. For example, full-coverage insurance for a Ram 1500, which starts at $40,275 for 2025, costs an average of $301 per month.
Below, you can see average monthly insurance quotes for full-coverage insurance for the five most popular vehicles in Arkansas.
Vehicle | Average Monthly Quote |
|---|---|
| GMC Sierra | $272 |
| Ford F-Series | $253 |
| Chevrolet Silverado | $269 |
| Ram 1500 | $301 |
| Toyota RAV4 | $248 |
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.
How your driving record affects car insurance rates in Arkansas
Your driving history has a significant effect on your car insurance rates. If you have a history of speeding tickets, at-fault accidents, or driving under the influence (DUI) convictions, you’ll pay a higher rate for car insurance.
The average cost of full-coverage car insurance for an Arkansas driver with an incident on their record is $337 per month.
Below, you can see average rates for a sample driver profile with an incident on their record. See how much insurance quotes increase for drivers with an incident.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $394 | 51% |
| With speeding ticket | $379 | 45% |
| With DUI | $446 | 71% |
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.
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Arkansas allows insurance companies to consider a driver’s credit history during the underwriting process, and insurers can even review credit reports without the permission of drivers.[4]
On average, drivers with excellent credit pay lower average rates than drivers with poor credit.
Improving your credit by making all required payments on time and paying down debt can help you secure more affordable coverage.
Below, you can see average car insurance quotes by credit tier for Arkansas drivers.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $95 $202 Good $107 $229 Fair $117 $251 Poor $146 $312 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.
How to lower your insurance costs in Arkansas
Car insurance rates are higher than the national average in Arkansas, but the following tips can help you find cheap car insurance or reduce your insurance premiums:
Sign up for usage-based insurance (UBI)
UBI policies determine premiums based on your vehicle usage and driving habits. Many insurers offer discounts simply for enrolling in UBI programs, but you could potentially save even more by driving safely. Companies that offer UBI coverage include Nationwide, Root, and State Farm.
Boost your credit
Arkansas state law allows insurance companies to review your credit when determining your eligibility for a policy and setting rates for coverage. Improving your credit can help you save money on car insurance.
Change your coverage
If you own an older or high-mileage vehicle, you may have more coverage than you really need. Dropping optional coverages — such as collision or comprehensive insurance — and switching to minimum-coverage levels or reducing the policy limits can make your premiums more affordable.
Increase your deductible
The deductible is your share of the financial responsibility of any claim. If you increase your deductible, you take on more of the risk, so your insurance company will typically reduce your premiums.
Ask about discounts
Discounts are key to securing cheap car insurance. Contact your agent to find out if you may be eligible for discounts you aren’t using. Common discounts in Arkansas include multi-policy discounts, homeownership discounts, safe driver discounts, and good student discounts.
Shop around
Rates can vary significantly by insurance company. Comparing quotes from several insurers can help you find more affordable coverage.
Arkansas average car insurance cost FAQs
The following information can help answer your remaining questions about shopping for auto coverage in Arkansas.
On average, the annual rate for full-coverage car insurance policies for Arkansas drivers is $3,031. For a state-minimum liability coverage policy, the average annual rate is $1,441 per year.
State-minimum policies are the cheapest coverage option for drivers. Arkansas drivers may want to increase limits for bodily injury protection and property damage coverage for more protection.
In Arkansas, State Farm is the cheapest auto insurance company. On average, State Farm policyholders pay $30 per month for liability coverage.
USAA and GEICO also have affordable minimum coverage, on average.
Arkansas drivers pay an average of $186 per month for car insurance, which is higher than the national average of $150. Full-coverage policies in Arkansas cost an average of $253 per month in Arkansas. The average rate for policies meeting state-minimum requirements is $120 per month.
Based on customer satisfaction ratings, American Family, Auto-Owners, and State Farm are the best auto insurance companies in Arkansas.
In Arkansas, drivers must have coverage that at least covers $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 in property damage liability coverage. Optional coverages include uninsured/underinsured motorist coverage, collision insurance, and comprehensive insurance.
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Sources
- Insurance Institute for Highway Safety. "Fatality Facts 2022 State by state."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Edmunds. "Most popular cars in America."
- Arkansas Insurance Department. "Consumers FAQ: Private Passenger Automobile Insurance."
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Kat Tretina
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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