Best Car Insurance in Arkansas (2026)

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

teens and young drivers

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User Reviews	4.1 17,132 reviews
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.	$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.	$90/mo

Details

Driver Reviews

4.1

Best choiceBased on 17,132 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.7	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing 15 reviews from Arkansas driversSee all 7,397 State Farm reviews

Christopher

Verified Review

I have no wrecks and no tickets.

Reviewed in Arkansas on February 16, 2026

$200 is way too much for someone with a clean driving record.

William

Verified Review

Shop and Save

Reviewed in Arkansas on January 28, 2026

Insured with State Farm for 50 years, and they sell what makes them the most. The price is too high.

Debra

Verified Review

Two on disability, one on limited retirement funds, one working at Walmart!

Reviewed in Arkansas on January 11, 2026

I have not had to make a claim yet, but in the three years we have lived in Arkansas, our car insurance has been terribly high. We also have homeowners insurance. It has gone up so high that we are reaching the point of having it pulled way back to about nothing. I have a really hard time believing that both of these are appropriate. I have seen our insurer's new office. It is ridiculously fancy. While we struggle out here, the prices just keep going up. It greatly saddens me that they are this way.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

647

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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++

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

military members

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User Reviews	4.2 3,426 reviews
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.	$50/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.	$110/mo

Details

Driver Reviews

4.2

Best choiceBased on 3,426 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.2	3.2
Customer service	4.1	3.6
Discounts	4.0	2.9
Policy transparency	4.2	3.1
Value	3.9	2.9

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.

Based on analysis of verified reviews collected by Insurify

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Best For

Members of the military community

Outstanding customer service

Competitive rates

Showing 6 reviews from Arkansas driversSee all 1,532 USAA reviews

Martha

Verified Review

USAA good ratings but HIGH Prices!

Reviewed in Arkansas on March 22, 2026

Perfect but PRICEY!

Renae

Verified Review

Excellent

Reviewed in Arkansas on March 3, 2026

Astronomical rates that keep rising on my 2016 car. Monthly premium rates are too high.

Ida

Verified Review

Rate Increases

Reviewed in Arkansas on January 9, 2026

I have never filed a claim, but the rates just keep going up.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

759

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

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++

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

customer satisfaction

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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

Details

Driver Reviews

Best For

Good customer service

Affordable full coverage

Bundling savings

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

Not rated

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

Why 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

discounts

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User Reviews	4.2 17,373 reviews
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.	$62/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.	$136/mo

Details

Driver Reviews

4.2

Best choiceBased on 17,373 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.8	2.9
Policy transparency	3.9	3.1
Value	3.8	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Teen drivers

Cheap rates

Accident forgiveness

Showing 10 reviews from Arkansas driversSee all 7,613 GEICO reviews

Kimberly

Verified Review

Sad to go but my budget says differently.

Reviewed in Arkansas on April 8, 2026

It was great until my policy increased substantially at every renewal, despite having no tickets or accidents. I drive 2.3 miles to work and home, and I am done paying $200 a month.

Brent

Verified Review

Geico isn't great

Reviewed in Arkansas on February 25, 2026

Geico has been steadily raising our rate, and we have no accidents or tickets. I went to switch to Progressive, who saved me a considerable amount of money, but when my wife got on with Geico to cancel, they said we were on an old system and she could beat Progressive by $100. My wife said yes, and we are paid for the year. I would have happily paid Progressive the extra $100 to get away from Geico.

Belinda

Verified Review

Insurance rates not as cheap as you think

Reviewed in Arkansas on February 12, 2026

I was late on my payment, and that caused it to at least double. I'm on a fixed income, so coming up with more money for insurance is just not in my budget.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

622

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

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++

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

student discounts

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User Reviews	3.4 328 reviews
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.	$70/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.	$153/mo

Details

Driver Reviews

3.4

A solid optionBased on 328 verified driver reviews and ratings

	Auto-Owners's score	Industry average
Coverage options	0.0	3.2
Customer service	2.7	3.6
Discounts	0.0	2.9
Policy transparency	0.0	3.1
Value	0.0	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviewsSee all 150 Auto-Owners reviews

James

Verified Review

Does not take care of business. People they send for damage repair are way off base on their pricing

Reviewed in Nebraska on April 12, 2026

Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.

Twitty

Verified Review

Good company, just the rates are too expensive

Reviewed in Florida on April 4, 2026

Uneventful.

Darryl

Verified Review

Insurance Shopping

Reviewed in Missouri on March 22, 2026

Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

663

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

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++

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

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]

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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 $140 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