Updated
Best car insurance companies in Arkansas
Insurify analyzed 120+ insurers across rates, car insurance discounts, coverage options, and customer service reviews to identify the best Arkansas car insurance companies. We selected the five insurers below based on their individual strengths.
State Farm: Best overall
| User Reviews | 4.2 |
|---|---|
| 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. | $34/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. | $69/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
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.
State Farm offers Arkansas drivers some of the lowest average rates in the state. It also has some of the cheapest car insurance in Arkansas for teen drivers, drivers with poor credit, and drivers with a driving while intoxicated (DWI) conviction, according to Insurify data.
The Drive Safe & Save usage-based program applies a discount as soon as you enroll. Driving safely can trim your premium by up to 30%.
Local agents in 88 Arkansas cities
Low rates in Arkansas
Good student discount of up to 25%
Biggest savings require data tracking
Low-mileage discount may change at renewal
Steer Clear program has strict eligibility rules
Progressive: Best for discounts
| JD Power JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 638 |
|---|---|
| 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. | 8.7 /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. | $42/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. | $89/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive is a practical choice for Arkansas drivers who want to stack multiple car insurance discounts on a single policy. Arkansas drivers have many opportunities to qualify for discounts. Owning a home, insuring multiple vehicles, bundling policies, having a teen driver or student away at school, earning good grades, graduating from college recently, paying in full, or going five years without a claim can all contribute to lower rates.
The Snapshot program offers another chance to save. Progressive claims that drivers who use it save an average of $328 per year.
Pet injury coverage included with collision coverage
24/7 account and claims support
Three accident forgiveness options
Snapshot can raise rates for high-risk driving
Five years of loyalty and clean driving required for accident forgiveness
Loan/lease payoff capped at 25% of actual cash value
GEICO: Best for safe 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. | 9.2 /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. | $57/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. | $118/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.0 | 2.9 |
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.
GEICO may be a good fit for the many Arkansas drivers with a clean driving history. More than 90% of the state’s drivers are free of tickets, accidents, or driving while intoxicated (DWI) convictions, according to Insurify data.
Drivers who go five years without a traffic violation could see lower rates. Plus, the DriveEasy app offers additional savings for drivers who demonstrate safe driving habits. Optional emergency roadside service covers breakdowns, lockouts, flat tires, and towing.
Optional mechanical breakdown coverage
Free accident forgiveness after five years
Military and deployment discounts
DriveEasy can raise rates for risky driving
Accident forgiveness applies once per policy
Roadside towing and lockout limits apply
Allstate: Best for rideshare drivers
| User Reviews | 3.9 |
|---|---|
| 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. | 8.9 /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 |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.4 | 2.9 |
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Allstate’s Ride for Hire add-on addresses coverage gaps that Arkansas rideshare drivers may face. Arkansas requires liability coverage while drivers are logged into a rideshare app, but a personal auto policy generally won’t provide any coverage.[1]
Ride for Hire covers your car while you wait for a ride request. It can help pay the difference between your collision coverage deductible and the rideshare company’s deductible.
Mobile app offers access to ID cards, gas prices, and photo claims
Discount for a history of on-time payments
Pay-per-use roadside help with no membership fee
Drivewise can change rates at renewal based on driving behavior
Only five standard Arkansas discounts
Accident forgiveness costs extra
USAA: Best for military families
| 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. | $41/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. | $84/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
Roughly 201,000 veterans live in Arkansas, according to the U.S. Department of Veterans Affairs.[2] USAA is a strong car insurance company for veterans, service members, and their families, though membership requires a military connection.
Arkansas military members can save up to 15% by enrolling in the SafePilot program and up to 30% more at renewal for safe driving. Garaging your car on base can also lower your premium by up to 15%.
Low annual mileage savings through SafePilot Miles
SafePilot participation won’t ever raise your premium
Discount of up to 60% during deployment
Car replacement limited to 20% above actual cash value
SafePilot Miles program requires all household drivers to use the app
Bundling discount tops out at 10%
How we chose the best car insurance companies in Arkansas
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.
Average cost of car insurance in Arkansas
The average cost of insurance in Arkansas is $149 per month for full coverage and $73 per month for liability insurance, according to Insurify data. Both of these Arkansas car insurance rates are below the national average.
The state has a lower-than-average population density, according to the U.S. Census Bureau. That, combined with its lower-than-average uninsured-driver rate of 12.1%, according to the Insurance Research Council, may contribute to lower premiums.
Rates have also fallen sharply in recent years. The average annual cost of full coverage dropped 24% in 2025 and another 4% in the first half of 2026. Insurify projects a further 2% decline by year-end.
Shop for Car Insurance in Arkansas
Liability policies average $73/mo.
How to get the best car insurance in Arkansas
Use these tips to lower your car insurance costs in Arkansas:
Know Arkansas’ minimum coverage requirements
Arkansas requires drivers to carry liability coverage of at least 25/50/25. That means $25,000 per person and $50,000 per accident in bodily injury liability, and $25,000 in property damage liability.[3] Driving without insurance can lead to fines ranging from $100 to $250. The state may also suspend your vehicle registration and require you to obtain an SR-22.
Think about coverage for storm damage
Arkansas experienced 61 tornadoes in 2025, ranking No. 9 nationally.[4] Comprehensive coverage pays for damage from tornadoes, hail, and other severe weather. Collision coverage, on the other hand, pays to repair your car after a crash.
Check for a 55+ discount
Arkansas requires insurers to offer a discount to drivers 55 and older who complete an approved accident-prevention course.
Request a rate review if your credit has improved
You can ask your insurer once every 12 months to recalculate your rate using updated credit information. Arkansas drivers with poor credit pay about $54 more per month for full coverage than drivers with excellent credit, according to Insurify data.
Shop around before choosing a policy
Finding cheap car insurance in Arkansas usually comes down to comparing auto insurance quotes. Average full-coverage rates in Arkansas range from $71 per month through State Farm to $260 per month through Bristol West.
Best car insurance in Arkansas FAQs
Below are answers to frequently asked questions to help you find the best car insurance in Arkansas.
What is the average price of insurance in Arkansas?
For Arkansas drivers, full coverage costs about $149 per month, while liability-only coverage averages $73 per month, based on Insurify data.
What are the minimum car insurance requirements in Arkansas?
Arkansas requires 25/50/25 liability coverage: $25,000 per person and $50,000 per accident in bodily injury liability, plus $25,000 in property damage liability. Uninsured motorist coverage is optional.
Does your credit history affect your insurance premium in Arkansas?
Yes. Arkansas insurers can use your credit history as one factor when setting your car insurance rate. But they can’t deny, cancel, or refuse to renew your policy based only on your credit.
Does Arkansas require you to have uninsured motorist coverage?
No. Insurers must offer uninsured motorist coverage when you buy car insurance in Arkansas, but you can reject it in writing.
How does Arkansas verify car insurance when drivers renew a vehicle registration?
Arkansas checks your liability insurance when you renew your vehicle registration. If the state can’t verify your coverage, you’ll need to renew by mail or in person and provide proof of insurance.
Sources
- Arkansas Department of Finance & Administration. "Safety Responsibility."
- U.S. Department of Veterans Affairs. "Arkansas Distribution of Veterans by County (FY2023)."
- Arkansas Insurance Department. "Automobile Insurance."
- Insurance Information Institute. "Facts + Statistics: Tornadoes and Thunderstorms."
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