Best Car Insurance in Arkansas (2025)
State Farm, USAA, and Shelter are three of the best car insurance companies in Arkansas. Here’s how to find the best car insurance for you.
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Written byJessica Martel
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Table of contents
From Little Rock to El Dorado, many quality insurers serve the state of Arkansas. But finding the car insurance company that best fits your priorities and budget can feel overwhelming.
To help you narrow your search and find the best car insurance companies in Arkansas, Insurify analyzed more than 50 auto insurers, comparing rates, ratings, coverage options, and savings.
Here’s what Arkansans need to know to find the best car insurance in the state.
Best car insurance companies in Arkansas
Some of the best car insurance companies in Arkansas offer a variety of coverage options, affordable pricing, strong customer service, and a wide range of discounts. But the best car insurance company for you will depend on your needs and budget.
Here are five of the best car insurance companies in the Natural State.
State Farm: Best for teens and young drivers
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $86/mo |
4.1
Best choiceBased on 12,747 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,567)
Betty
Verified Review
Stiffed by State Farm
Reviewed in Texas on December 2025
The insurance claim was handled poorly. I had to get a claim estimate from the dealer and refused the offer from the insurance company. I am very disgusted with the whole procedure. It took way too long to pay on the claim.
Joseph
Verified Review
Great Insurance Company
Reviewed in Florida on December 2025
Never had a problem.
Lawrence
Verified Review
Expect to be jerked around
Reviewed in Kansas on December 2025
I initially really liked State Farm. Then I bought a new truck and they gave me a quote which changed 3 times. It went from approximately $1K per year to over $5K. They said it had to be classified as a commercial vehicle when it's clearly personal. The DMV even has it as personal.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Founded in 1922, State Farm holds the largest share of private passenger auto insurance in the U.S. The company offers a variety of insurance products, including auto, home, personal, and small-business coverage. It also has a wide range of discounts and offers cheap car insurance for young Arkansas drivers.
Pros
Drivers younger than 25 can score a lower premium through State Farm’s Steer Clear telematics programs
Above-average J.D. Power score for customer satisfaction
Above-average J.D. Power score for claims satisfaction
Cons
Gap insurance not readily available, unless customer originates a loan through State Farm Bank
Not as many discounts as some competitors
No online quotes for motorcycles, off-road vehicles, or boats
USAA: Best for military members
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $104/mo |
4.9
Best choiceBased on 2,443 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,321)
Daniel
Verified Review
Outstanding Customer Service Personnel
Reviewed in Tennessee on December 2025
Customer service personnel are polite, courteous, and very professional.
Dennon
Verified Review
Top Notch Company
Reviewed in Florida on December 2025
Excellent in all respects. I've been with USAA for over 5 years and haven't had a single issue.
Richard
Verified Review
Really good
Reviewed in Kansas on December 2025
The cheapest insurance I can find. Others are over 100 bucks a month more.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA offers insurance, banking, and retirement solutions for active-duty military members, veterans, and their immediate family members. With more than 4,800 active-duty servicemembers and more than 176,000 veterans in Arkansas, many drivers and their families can take advantage of USAA’s wide range of coverage options and auto discounts.
Pros
Above-average J.D. Power score for claims and customer satisfaction
SafePilot program can save drivers up to 30%
Discount for storing cars while deployed
Cons
Coverage restricted to members of the military community
Gap insurance not available
Does not offer 24/7 customer service
Shelter: Best for customer satisfaction
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
How drivers feel about Shelter Insurance
Customers appreciate the clear communication and friendly service but dislike the unexpected rate increases and difficult website navigation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Good customer service
Affordable full coverage
Bundling savings
How drivers feel about Shelter Insurance
Customers appreciate the clear communication and friendly service but dislike the unexpected rate increases and difficult website navigation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Good customer service
Affordable full coverage
Bundling savings
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Shelter got its start in 1946 in Missouri, providing insurance to farmers. The company expanded into Arkansas in 1962. Today, Shelter offers a range of insurance products in 14 U.S. states. Ranked No. 1 in the J.D. Power Customer Satisfaction survey in the Central region, Shelter takes one of the top spots for best auto insurance in Arkansas.
Pros
Below average volume of customer complaints filed with the National Association of Insurance Commissioners (NAIC)
New-car replacement coverage available
Gap insurance coverage available
Cons
Accident forgiveness not available
Coverage can only be purchased through exclusive Shelter agents
Higher average rates than some competitors
GEICO: Best for discounts
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $68/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $129/mo |
4.0
Best choiceBased on 13,386 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,893)
Quincy
Verified Review
Wrong insurance company
Reviewed in California on December 2025
They continue to raise the premium each year, and my car is 11 years old!
Jose
Verified Review
Compare Insurance Companies
Reviewed in New Mexico on December 2025
Shop around and compare prices and benefits.
Philip
Verified Review
Pleased but Shopping
Reviewed in Missouri on December 2025
I haven't needed them for any claims. My only concern is that the rates continue to rise despite our driving so little. I'm getting quotes from others to see how much I can save if we change companies.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Serving car insurance customers since 1936, today GEICO is the third-largest U.S. auto insurer and a wholly owned subsidiary of Berkshire Hathaway. The insurer offers a variety of coverage options, including vehicle, property, business, and life insurance. It also boasts 16 different discounts. Examples include a 25% multi-vehicle discount, a 15% new vehicle discount, and good driver and good student discounts.
Pros
Highly rated mobile app
AM Best financial strength rating of A++ (Superior)
Competitive rates for seniors, young drivers, and good drivers
Cons
Below average and lower-than-average J.D. Power score for claims and customer satisfaction, respectively
Gap insurance not available
No new-car replacement coverage
Auto-Owners: Best for student discounts
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $76/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $145/mo |
4.3
Best choiceBased on 259 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (131)
Eugene
Verified Review
Insurance Company Issues
Reviewed in Iowa on November 2025
Cannot get information from the company. You go through an agent, and they don't get back to you. If you ask for a change on the policy, they start a new policy, which increases the cost you have to pay.
Chick
Verified Review
Disappointed! Would rather have TALKED to an actual person!
Reviewed in Wisconsin on November 2025
It has been excellent! I just wanted to compare prices, but unfortunately, I insure 6 vehicles and your website doesn’t allow me to include them all!
Ron
Verified Review
For now, USAA is too far away
Reviewed in Georgia on November 2025
My current insurance is through a broker in the next town, and although they are higher than USAA, I like that I can go into their office, sit, ask questions, and look at the person giving me the answers. I'm not comfortable dealing online with a company far away. I haven't made my final decision, but if USAA was significantly cheaper, I would consider them, even though my current insurance is higher. I like that I can go into their office and talk face-to-face, so I need to make my decision quickly. I'm leaning towards staying with my current insurance so I have more time to research and see if I can get comfortable with USAA, which is miles away and requires doing everything online. Even if they have offices, like in Atlanta, it's 2.5 hours away, and Nashville is 4.5 or 5 hours away. My insurance broker is currently 9 miles from my house.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
663NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners has been serving customers since 1916. Today, it operates in 26 states with a distribution network of 48,000 independent agents. Auto-Owners offers numerous auto insurance discounts, including three for students. Students can save by maintaining a strong grade-point average, through an away at school discount, and by signing up for the teen driver monitoring program.
Pros
Above-average J.D. Power customer satisfaction score
Offers loan or lease gap insurance
AM Best financial strength rating of Superior (A+)
Cons
Below-average J.D. Power claims satisfaction score
Quotes and policy purchasing are only available through its independent agents
Higher rates than some competitors
Our editorial team analyzed regional and national auto insurance companies that sell policies in Arkansas to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Arkansas
If you want to find the best car insurance Arkansas has to offer, consider the following tips:
Determine how much coverage you need
When deciding how much car insurance you need, make sure you meet the mandatory coverage in Arkansas. Minimum requirements include $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage to other drivers’ property.[1]
If you want more protection, you can purchase additional coverage such as comprehensive insurance, collision insurance, personal injury protection (PIP), or uninsured motorist coverage.
Look for discounts
If you want to save on your monthly premium, compare car insurance discounts across different companies. Many insurers have bundling discounts that allow you to save when you combine your auto and home insurance. Other common discounts include young driver or student discounts, safe driver discounts, or loyalty-based discounts.
Raise your deductible
Another way to reduce your monthly insurance payment is by raising your deductible. Your deductible is the amount of money you pay out of pocket before your policy kicks in.
Increasing your deductible from $200 to $500 can reduce your collision and comprehensive insurance cost by 15% to 30%.[2] But make sure you can afford to pay the higher deductible out of pocket.
Read customer reviews
Before choosing an insurance company, visit sites like Trustpilot or the Better Business Bureau (BBB) to see what former and current customers have to say. You can also talk to friends and family members to get an honest review of their experience with an insurance company.
Compare quotes
To further narrow your search, compare quotes from multiple insurance companies to see where you can get the coverage you want at the best rate. Aim to compare policies from at least three different insurance companies.[3]
Find Car Insurance in Arkansas
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Average cost of car insurance in Arkansas
The overall average cost of car insurance in Arkansas is $115 per month. Coverage in the Natural State is more expensive than the overall national average of $138 per month. The high rate of roadway fatalities in Arkansas may help explain why insurance premiums are more expensive than the national average.[4]
Additionally, Arkansans have felt the burden of increased personal and commercial insurance rates over the past few years due to storm-related claims.[5]
Your insurance premiums will vary based on many individual factors, including your age, ZIP code, credit history, driving record, and the type of coverage you need.
Best car insurance in Arkansas FAQs
If you still have questions about which companies offer the best car insurance in Arkansas, check out the following information.
How much is car insurance in Arkansas?
Drivers in Arkansas pay an average of $79 per month for liability insurance and $151 per month for full coverage.
What are the best car insurance companies in Arkansas?
State Farm, USAA, and Shelter top the list of the best car insurance companies in Arkansas. But the best insurance company for you will depend on your individual needs and budget.
What is the required auto insurance coverage amount in Arkansas?
The minimum coverage requirements for insurance in Arkansas include $25,000 per person for bodily injury, $50,000 per car accident, and $25,000 for property damage to other drivers’ property.
Arkansas insurers may offer uninsured motorist and MedPay to all policyholders, but these coverages can be declined by signing a waiver.
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Sources
- Arkansas Insurance Department. "Consumers FAQ."
- III. "Nine ways to lower your auto insurance costs."
- III. "How to find the right auto insurance."
- ACHI. "Arkansas Has Nation’s Fourth-Highest Roadway Fatality Rate."
- Arkansas Insurance Department. "Arkansas Insurance Market."
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Jessica Martel
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.