How Much Does Car Insurance Cost In Arkansas?

On average, drivers pay $210 per month for car insurance in Arkansas, according to 2021 rates.

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Average Cost of Car Insurance in Arkansas

From the stunning Ozarks in the north to the bustling metropolis of Little Rock, there are many sites worth checking out in Arkansas. But no matter where your travels take you in Arkansas, you’ll probably be getting there by car.

And once you buy a car in Arkansas, there’s a logical next step: buying car insurance. But how much should you expect to pay for coverage in Arkansas? On average, Arkansans pay $210 per month on car insurance, which is right in the middle of the pack as far as state averages go.

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.

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.

AgeAvg. Monthly Rate
Teens$433
20s$252
30s$171
40s$180
50s$154
60s$151
70s$169
>80s$195

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.

GenderAvg. Monthly Rate
Male$218
Female$204

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 StatusAvg. Monthly Rate
Married$185
Single$218

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.

arkansas

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 HistoryAvg. Monthly Rate
Poor$197
Average$211
Good$206
Excellent$194

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 HistoryAvg. Monthly Rate
No Violation$199
At-Fault Accident$267
Speeding$243

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.

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.