Average Car Insurance Cost in Arkansas (2024)

The average cost of car insurance in Arkansas is $193 per month, slightly less than the national average of $153. Drivers can expect to pay $122 per month for liability insurance and $264 per month for full coverage.

Arkansas may have lower rates thanks to its low tourism rate and lower FEMA National Risk Index risk ranking.^{[1] [2]} If you want to reduce your rates further, compare car insurance quotes from multiple insurers in Arkansas side by side.

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What’s the average cost of car insurance in Arkansas?

Liability-only car insurance policies have the cheapest rates. As you increase your amount of coverage to protect yourself in the event of an accident, you’ll notice that coverage types like collision coverage and uninsured motorist coverage increase your rates.

The table below shows the cheapest auto insurance rates for minimum requirements and full-coverage policies. Many insurers have incentives, like a student discount program and telematics programs via a mobile app, that can get you the best insurance for the lowest rate.

How Arkansas car insurance rates have changed over the past two years

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 by city

Car insurance rates also vary by city. Factors like population, crime rate, and number of people who commute to work influence rates from city to city.

Benton has an average liability car insurance rate 4% lower than the state average. Rates in Little Rock, Fayetteville, and other cities are higher than the Arkansas average, no matter the type of coverage. Little Rock also has average full-coverage rates that are higher than Benton.

Average Arkansas car insurance rates by age

Young drivers have the highest rates because they have an increased risk of being involved in a serious or fatal car accident: The fatality rate for teens in Arkansas is twice that of the United States.^[3] Similarly, older drivers receive higher auto insurance rates due to their own increased likelihood of being involved in a car accident.

Drivers around age 35 usually see the best policy prices. The good news is that Arkansas insurers are required to offer college graduate discounts and defensive driving discounts for adults 55 and older.

How gender affects car insurance rates in Arkansas

Your gender is one of the general information questions that insurers ask of all potential policyholders. Some statistics suggest that men are more likely to be involved in DUI accidents, serious accidents, and general accidents than women.

Age can also influence your rates. Younger drivers typically pay more than older adults, which means male teen drivers may have the highest average cost of car insurance in Arkansas.

How your driving record affects car insurance rates in Arkansas

Car accidents cost insurance companies money, and unfortunately, Arkansas hasn’t made significant progress in reducing the number of fatalities and serious injuries from car crashes between 2017 and 2021.^[4]

Traffic violations like speeding and driving under the influence increase the likelihood of being in a serious or fatal accident. At-fault accidents force your insurer to pay for the medical expenses and property damage you cause.

As this table shows, Arkansas drivers with an imperfect record pay much higher rates than people with clean driving records.

Average Arkansas car insurance rates by marital status

Marital status is another factor that can affect your rates. Many insurers believe that married couples aren’t as risky behind the wheel as single drivers. Some couples save money because a single multi-car policy is cheaper than two separate policies.

However, remember that driving history always plays a major role in auto policy prices. If you add a partner with a history of accidents or speeding tickets to your policy, it may increase your rate.

The average costs of both liability insurance and full-coverage policies are a few dollars per month cheaper for married Arkansas residents.

Average Arkansas car insurance rates by credit tier

Even good drivers can see their premiums increase based on their credit history. Insurers in Arkansas use credit-based insurance scores for informational purposes to determine car insurance premiums.^[5]

The average cost of car insurance is typically lower for drivers with excellent or good credit than it is for drivers with fair or poor credit. As you can see in the table below, drivers in Arkansas with poor credit scores pay substantially more than drivers with excellent credit scores.

Arkansas car insurance FAQs