Average Cost of Car Insurance Rates in Arkansas (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in Arkansas.

Enter your zipcode to get started

Facebook following



Shopper Approved

4.8 Rating

2,700 Reviews

12 Million


How Much Does Car Insurance Cost In Arkansas?

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 then 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.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $21050%

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.

Best Arkansas Auto Insurance Rates

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.

Cheapest Companies

Arkansas Car Insurance Rates by City

For drivers in Arkansas, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Arkansas.
Fort Smith$169
Hot Springs National Park$197
Little Rock$236
North Little Rock$214

What Is the Average Cost of Car Insurance in Arkansas by Age?

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.


What Is the Average Cost of Car Insurance in Arkansas by Gender?

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.


Does Marital Status Influence the Average Cost of Car Insurance in Arkansas?

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.

Marital Status

What Are the Minimum Car Insurance Requirements in Arkansas?

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.


How Does Credit History Affect Arkansas Car Insurance Rates?

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.

Credit History

What Is the Average Cost of Car Insurance in Arkansas for High-Risk Drivers?

"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.

Driving History
No Violation$199
At-Fault Accident$267

Tips for Researching Arkansas Car Insurance Rates

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.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.

Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

See All Auto Insurance Companies

FAQs - Arkansas Car Insurance

Why is car insurance so expensive in Arkansas?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Arkansas?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Arkansas. 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.

Which providers have the best auto insurance ratings in Arkansas?

'The way to find the carrier with the best auto insurance ratings 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 much do annual auto insurance rates increase in Arkansas?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.