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Arkansas Average Cost of Car Insurance Rates (2022)

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Mark Steinbach

By: Mark Steinbach

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

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 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.

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 CompaniesQuotes
State Farm$56
Allstate$69
Nationwide$80
GEICO$93
Direct Auto$148

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.

CityAvg. Monthly Rate
Benton$201
Conway$206
Fayetteville$180
Fort Smith$169
Hot Springs National Park$197
Jacksonville$193
Jonesboro$212
Little Rock$236
North Little Rock$214
Springdale$184

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

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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

Minimum Car Insurance Requirements in Arkansas

All motor vehicles operated or parked on Arkansas[1] roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Arkansas are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Arkansas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

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.

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FAQs - Arkansas Car Insurance

  • 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.

  • 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.

  • 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.

  • 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.

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Methodology

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.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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Sources

  1. Arkansas Insurance Department. "State Minimum Car insurance." Accessed May 28, 2022