On average, car insurance rates for drivers in Arkansas are $210 per month, and $2525 per year. The average rates make Arkansas the 23rd most expensive state in the country for car insurance rates and 6% less expensive than the national average.
Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.
Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.
Insurify analyzed car insurance rates in the twenty most populous cities in Arkansas and has selected the following providers and quotes as the best rates for drivers in Arkansas.
|Hot Springs National Park||$197|
|North Little Rock||$214|
If you’re a teenager just hitting the roads for the first time, your car insurance rates may put a dent in your wallet. At $433 per month, teens have by far the highest average car insurance rates. Luckily, your rates will go down as you enter young adulthood, at just $252 per month.
The rest of the age groups hover under the state average for car insurance, with folks in their 60s paying the lowest amount ($151 per month) and folks over 80 paying a higher rate of $195 per month.
Men pay just a bit more than women when it comes to car insurance. The average rate for men sits at $218 per month, while women pay $204 per month.
In general, getting married in Arkansas will lower your average rate of insurance. Married drivers pay $185 per month, which is $33 less than those who are single. Why’s that the case? Many insurance companies consider married drivers to be slightly less risky to insure than singletons and therefore charge them lower premiums.
Arkansas sets a minimum liability auto insurance limit of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident, and $25,000 for property damage liability per accident. These are fairly in line with the minimums set in other states.
Arkansas is one of many states that will take your credit score into account when determining your car insurance rates. Those with excellent credit history pay the least on average, at just $194 per month. That said, those with poor credit history pay just a little more at $197 per month.
The highest average rates belong to those with average and good credit histories. These rates hover right around the state average of $210 per month.
"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?
Drivers with a speeding ticket in Arkansas will pay $45 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $69. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.
Car insurance rates can vary widely between car insurance companies. And with several carriers offering their services in Arkansas, residents will want to make sure they’re comparing rates so that they can find the right policy for their budget.
Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, 10+ free car insurance quotes are just a few clicks away, setting you on the path to lower premiums.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.