How Much Is Car Insurance in Arkansas? (2026)

How much is car insurance in Arkansas?

Liability-only car insurance in Arkansas costs about $73 per month, or $873 annually. Full coverage averages $149 per month, or $1,788 annually.

That’s more than in neighboring Tennessee, where drivers spend an average of $60 per month for liability insurance and $132 per month for full coverage.

Rates in Missouri are higher, averaging $93 per month for liability insurance and $180 for full coverage.

Nationwide, drivers pay an average of $99 per month for liability coverage and $187 per month for full coverage.

Coverage Type	Average Monthly Quote	Average Annual Quote
State-minimum coverage	$73	$873
Full coverage	$149	$1,788

Disclaimer: Table data is based on real-time Arkansas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Minimum car insurance requirements in Arkansas

Arkansas requires all drivers to carry bodily injury (BI) and property damage (PD) liability insurance. If you cause an accident, BI pays for other drivers’ medical expenses, while PD covers third-party property damage.

The table below shows Arkansas’ minimum liability insurance requirements.^[1]

Coverage Type	Arkansas Minimum Requirement
Bodily injury liability	$25,000 per person/$50,000 per accident
Property damage liability	$25,000 per accident

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Cheapest car insurance companies in Arkansas

In Arkansas, State Farm and USAA have the cheapest liability-only rates, on average.

Liability insurance is the cheapest coverage type because it doesn’t protect your car. Rather, it covers injuries and damages you cause to others in an accident that’s your fault.

Arkansas is an at-fault state, which means the driver who causes the accident is responsible for others’ medical expenses and damages.

The following table shows the companies with the cheapest rates in Arkansas for liability-only insurance.

The below rates in Arkansas are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
State Farm	$34
USAA	$41
Progressive	$42
Allstate	$54
Trexis	$55
GEICO	$57
National General	$57
Auto-Owners	$58
Direct Auto	$66
Trexis One	$68
Root	$69
GAINSCO	$74
Safeco	$75
Shelter	$75
Farmers	$76
Travelers	$81
The General	$87
Dairyland	$97
Liberty Mutual	$111
Bristol West	$114
Hugo	$136

Disclaimer: Table data sourced from real-time Arkansas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arkansas may vary based on the policy buyer's unique driver profile.

Average Arkansas car insurance rates by city

Car insurance costs in Arkansas vary between cities. In Little Rock, for example, drivers pay an average of $98 per month for liability-only coverage and $185 per month for full coverage.

In 2025, the Little Rock metro area ranked No. 70 in the country for vehicle theft by volume, according to Insurify data.

In Paragould, drivers pay much less: $72 per month for liability insurance and $128 per month for full coverage.

Little Rock has a higher population density of 1,688 people per square mile. In comparison, Paragould’s population density is 927 people per square mile, according to the U.S. Census Bureau.

Fewer people mean fewer cars on the road and a lower risk of accidents.

The table below shows average monthly quotes for liability-only and full-coverage car insurance in various Arkansas cities.

The below rates in Arkansas are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT. 

City	Average Monthly Quote
Paragould	$100
Russellville	$101
Bentonville	$111
Rogers	$111
Conway	$113
Fort Smith	$113
Jacksonville	$113
Springdale	$116
Benton	$117
Fayetteville	$117
Jonesboro	$119
North Little Rock	$129
Pine Bluff	$134
Little Rock	$142

Disclaimer: Table data sourced from real-time Arkansas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arkansas may vary based on the policy buyer's unique driver profile.

Average Arkansas car insurance rates by age

Your age affects your car insurance costs. Teen drivers in Arkansas pay the most because of their limited driving experience, averaging $133 per month for liability insurance.

In contrast, senior drivers typically have years of driving experience. In Arkansas, drivers in their 60s pay an average of $66 per month for liability coverage.

The average cost of liability insurance for drivers in their 40s is $75 per month.

Arkansas requires insurance companies to offer a car insurance discount to drivers aged 55 and older who complete a state-approved accident prevention course.^[2]

The table below shows average monthly quotes for liability-only and full-coverage insurance for teens, adults, and seniors.

Age	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Teens	$133	$272
Adults (40s)	$75	$152
Seniors	$66	$135

Disclaimer: Table data is based on real-time Arkansas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How your driving record affects car insurance rates in Arkansas

Roughly 3.8% of Arkansas drivers have a speeding ticket on their driving record, 4.1% have an at-fault accident, and 0.7% have a driving while intoxicated (DWI) conviction, according to Insurify data. If you fall into one of these categories, you’ll likely pay more for car insurance than a driver with a clean record.

In some cases, standard insurers deny coverage to high-risk drivers. If this happens, ask your agent to help you apply for a car insurance policy through the Arkansas Automobile Insurance Plan.

The following table shows how insurance pricing increases for a driver with a speeding ticket, an accident, or a DWI compared to a driver with a clean record.

Driving Record	Average Monthly Quote in AR	% Increase Compared to Clean Driving Record
Clean driving record	$112	N/A
With speeding ticket	$144	29%
With accident	$149	33%
With DWI	$162	45%

Disclaimer: Table data is based on real-time Arkansas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

What affects car insurance rates in Arkansas?

Car insurance rates in Arkansas vary depending on your age, gender, driving history, and vehicle. These state-specific factors can also affect rates:

• Low state-minimum requirements: Arkansas requires only bodily injury and property damage liability insurance. Other states may also require uninsured/underinsured motorist coverage, such as Missouri, or personal injury protection (PIP), such as Kansas, both of which increase average costs.

• Tornado risk: Between 2013 and 2025, Arkansas experienced 463 tornadoes — including 60 in 2025.^[3] Tornado debris can damage cars and increase insurance claims, which affects premiums.

• Credit history: The average credit score in Arkansas is 693, according to Experian, which is lower than the national average of 713. Arkansas allows insurers to use customers’ credit-based insurance scores as a factor in setting premiums. Improving your credit history may lower your car insurance costs.

• Uninsured driver rate: Around 12.1% of Arkansas drivers lack mandatory insurance coverage, according to the Insurance Research Council. Accidents involving uninsured drivers can increase car insurance prices.

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

Arkansas car insurance rates have increased by about 2.5% over the past five years, according to Insurify data. In August 2021, Arkansans paid around $1,769 per year for insurance. By August 2026, annual costs had increased to about $1,814.

By comparison, drivers in Connecticut have seen rates jump by 10% since the beginning of 2026.

One reason for the state’s modest rate increase could be Arkansas’ relatively low population density. Statewide, Arkansas has about 58 people per square mile, compared to 108 people per square mile in neighboring Louisiana, according to the U.S. Census Bureau.

A lower-density population means less traffic congestion and may decrease accident rates.

How to lower car insurance costs in Arkansas

Car insurance doesn’t have to take up a big chunk of your budget. Follow these tips to lower your car insurance costs in Arkansas.

• Shop around. Compare the coverage options and premiums of several insurers to find the best one for your needs and budget.

• Ask about discounts. Insurers may offer a good student discount, low-mileage discount, bundling discount, or car insurance discount if your car has certain safety features.

• Complete a driver education course. Young Arkansas drivers who complete a driver education course may get a discount if they submit proof of completion.

• Complete an accident prevention course. Arkansas drivers 55 and older can get a discount by completing an approved motor vehicle accident prevention course.

• Stick to liability coverage. If you’re one of the nearly 68% of Arkansans who own their vehicle outright, you can lower your premiums by dropping comprehensive coverage and collision coverage. Before you do, consider that you’ll have no coverage if you’re in an at-fault accident or a tornado damages your car.

Arkansas average car insurance cost FAQs