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Best Car Insurance Companies in Arkansas 2022: Quotes, Discounts

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1 Insurance
Maria Sanchez

By: Maria Sanchez

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Amber Benka

Last Updated April 5, 2022

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Quick Facts

  • Insurify’s best-rated insurance provider in Arkansas is Nationwide.
  • Safeco is the cheapest insurer on average in Arkansas, with average rates of $142 per month.
  • The best-rated car insurance provider might not be the best for every unique driver profile, so it’s important for drivers to compare quotes from multiple insurers before buying a policy.

Landlocked near the center of the United States, Arkansas is a southern state that borders the Mississippi River. Nicknamed the “Natural State,” it offers an escape to natural parks and wilderness with a landscape that includes mountains, rivers, and hot springs. Visitors can also find Bill Clinton’s presidential archives in the capital, which hosts the Clinton Presidential Center.

Arkansas is a common passage between states, with scenic routes that are not to be missed. When driving through the Ozarks or passing by a multitude of limestone caves, the last thing you want to do is worry about problems with your car. When driving through, make sure to have the best insurance coverage to protect you and your vehicle from accidents, theft, and the like.

With Insurify, you can look up and compare the best auto insurance options. Unlike other sites that make you enter detail after detail while giving you the runaround, Insurify provides options for affordable car insurance quotes with full coverage - for free and without all the hassle.

Finding the right auto insurance provider can be overwhelming. That’s why Insurify put together an easy guide of the top car insurance companies in Arkansas. Keep reading to find out more about average rates and what providers are available for Arkansas car insurance. While you’re here, shop around for some free car insurance quotes tailored to your needs.

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See More: Best and Worst Sites to Compare Car Insurance

Best Car Insurance Companies 2022

RankCompany NameAverage Cost Per Month in ArkansasInsurify Composite Score
1Nationwide$19189
2Safeco$14286
3Liberty Mutual$20982
4State Auto$17376
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score 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.

Top Car Insurance Companies: Find the Right One for You

What is the best car insurance in Arkansas?

In Arkansas, Nationwide, Safeco, Liberty Mutual, and State Auto all have excellent customer service, reliably pay claims, and offer competitive rates. However, it’s important to keep in mind that what you pay for auto insurance will depend on factors like your driving record, your credit score, your age, and your location.

Car insurance rates vary from state to state and rely on a number of different factors. For example, being a high-risk driver (determined by your driving record) or living in cities with many young drivers can spike liability insurance rates. Getting caught driving under the influence (DUI) can also lead companies to charge a higher insurance rate to protect against property damage liability or bodily injury.

Good credit also matters, and having a low credit score or other charges on your driver’s license can impact how much you pay for your auto insurance policy. Insurify can help Arkansas drivers find and compare the best rates for Arkansas auto insurance. It’s important to ask yourself, “how much car insurance do I need” before you start your search, but Insurify can help you select your desired coverage options. Find out the average car insurance cost for top companies here.

See More: Full-Coverage Car Insurance

See More: Bundle Home & Auto Insurance

1
Nationwide logo

Nationwide

Average monthly cost:
$191
Insurify Composite Score:
89

Nationwide offers great services and programs, with both standard and optional coverages. The best part is that you can customize your policy to get the coverage that best fits your life, with options ranging from collision, comprehensive, and personal injury protection to minimum liability, medical payments, and more. Nationwide also offers a program for accident forgiveness, which helps customers avoid an average premium increase after an accident.

Top discounts that the company offers include:

  • Multi-policy: Policyholders can save an average of $646 annually when they decide to bundle their homeowners or renters insurance with their auto insurance.
  • SmartRide: Customers earn an instant 10 percent discount after enrolling. Driving safely is rewarded, providing a discount of up to 40 percent.
  • SmartMiles: With this discount, the price depends on how many miles you drive. Insured drivers pay a flexible monthly rate that still meets Arkansas’ minimum insurance requirements.

Here are the average quotes from Nationwide for certain driver categories:

Driver CategoryAverage Monthly Cost
Drivers Under 25$303
Drivers Over 60$131
Safe Drivers (No Prior Violations)$176
Drivers With a Prior Accident$260
Drivers With a Prior Speeding Ticket$267
Drivers With Average Credit$204
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
2
Safeco logo

Safeco

Average monthly cost:
$142
Insurify Composite Score:
86

Safeco, a member of Liberty Mutual, offers standard auto insurance with optional add-ons. Its standard coverage plan helps cover medical payments in the case of a bodily injury liability, as well as property damage. Safeco policyholders can choose to add extra policy benefits that cover collision, comprehensive coverage, new vehicle replacement, and rental car reimbursement.

Top discounts that the company offers include:

  • Accident forgiveness: After a set number of years, Safeco can waive the first accident on your policy.
  • Claims-free cashback: Policyholders who go claims-free over six months can be reimbursed 2.5 percent of their policy premium (but only up to 5 percent annually).
  • Diminishing deductible: Policyholders who have no claims filed against them can be reimbursed on their collision deductible by up to $500.

Here are the average quotes from Safeco for certain driver categories:

Driver CategoryAverage Monthly Cost
Drivers Under 25$250
Drivers Over 60$107
Safe Drivers (No Prior Violations)$134
Drivers With a Prior Accident$190
Drivers With a Prior Speeding Ticket$199
Drivers With Average Credit$142
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Liberty Mutual has a number of coverage options that can be customized to best fit your lifestyle. Its standard auto insurance policy can help cover medical payments, bodily injury liability (also known as liability car insurance), and property damage. If you can afford to spend more for full coverage, policy add-ons include new car replacement, accident forgiveness, and services from the Liberty Mutual Deductible Fund.

Top discounts that the company offers include:

  • Homeowner discount: Being a homeowner can lead to savings, and even more when multiple insurance policies are bundled.
  • Good student discount: An especially good discount for plans with young drivers, policyholders who have students on their plans can get discounts if students have a GPA of B or better.
  • Military discount: Those who are active, retired, or reserved in the U.S. Armed Forces are recognized for their service and can receive a discount.

Here are the average quotes from Liberty Mutual for certain driver categories:

Driver CategoryAverage Monthly Cost
Drivers Under 25$372
Drivers Over 60$132
Safe Drivers (No Prior Violations)$193
Drivers With a Prior Accident$289
Drivers With a Prior Speeding Ticket$277
Drivers With Average Credit$210
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
4
State Auto logo

State Auto

Average monthly cost:
$173
Insurify Composite Score:
76

State Auto offers three different levels of insurance protection, making it easy for policyholders to decide which coverage limits they’re willing to compromise on to fit their needs and budget. At the most basic level, the standard coverage plan offers some customizable auto protection. The next level up, Protection Plus, offers basic auto protection and a few extra add-ons. The highest level, AutoXtended Premier, is extended coverage with high-limit auto protection.

Top discounts that the company offers include:

  • State Auto Safety 360®: Simply by enrolling, policyholders can earn an instant 10 percent discount, which can go up to a 50 percent discount on their auto-renewal premium, just by having a safe driving score.

Here are the average quotes from State Auto for certain driver categories:

Driver CategoryAverage Monthly Cost
Drivers Under 25$251
Drivers Over 60$148
Safe Drivers (No Prior Violations)$159
Drivers With a Prior Accident$270
Drivers With a Prior Speeding Ticket$254
Drivers With Average Credit$178
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Average Monthly Cost of Car Insurance in Arkansas

As we’ve seen with car insurance premiums, deductible costs vary depending on a number of factors. On top of any previous car accidents, whether you have a clean driving record free of tickets, poor credit, and your age, it is also important to take location into account when calculating a policy. The average cost of car insurance differs for major cities in Arkansas.

CityAverage 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
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Determine the Best Car Insurance Company for Yourself

With over 655 different auto insurance companies in the U.S., how do you know whether you have found the right car insurance coverage for you and your family?

Personal factors like who you are, where you live, what you drive, your driving history, and even your credit score are used differently by each car insurance company to calculate your car insurance rates. You could have hundreds of coverage options in front of you and still not know how to decide which policy is just right for you, or determine if you’re even getting the best price.

See More: Car Insurance for Bad Driving Records

Spend just five minutes on Insurify telling us about you, your car, and your coverage preferences. Let Insurify do the work to instantly deliver side-by-side auto insurance quotes from several national and regional auto insurance companies. Be sure to read through your car insurance discounts and policy coverage recommendations before buying a policy.

Insurify provides easy and free car insurance quote comparisons for all kinds of drivers nationwide. You’ll receive accurate quotes and discounts from top insurance companies in minutes! And our personal coverage recommendations ensure you’re not just getting the cheapest car insurance policy, but the most appropriate one, too.

Frequently Asked Questions

  • According to the Insurify Composite Score system, Nationwide is the best car insurance company in Arkansas, with a score of 89 out of 100.

  • Progressive is a great option for cheap car insurance, at a monthly cost of $115, which is below the national average of $140. Note that auto insurance rates vary depending on a number of factors and that some insurers even reward good drivers with discounts.

  • Arkansas drivers have endless options when it comes to customizable car insurance policies. Use Insurify’s tools to help figure out which auto insurance provider and liability coverage plan is best for you and your lifestyle.

  • It’s easy! Use Insurify to get free car insurance quote comparisons. You’ll receive accurate quotes and discounts from top insurance companies in minutes, ensuring you’re not underinsured.

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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.

Maria Sanchez
Maria Sanchez

Content Writer at Insurify

Maria Sanchez is a freelance writer from Boston. Specializing in educational content, she enjoys making information accessible to the greater public. In her spare time, she enjoys playing piano, hosting dinner parties, and volunteering.

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