Best Car Insurance in Arkansas (2026)

State Farm, Progressive, and GEICO are three of the best car insurance companies in Arkansas.

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4.7 / 518K reviews
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Writer: Amy BeardsleyFreelance Insurance and Real Estate Writer

Qualifications:
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology


Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

Becky Helzer
Editor: Becky HelzerLicensed P&C Agent, Editor

Qualifications:
  • 15+ years editing experience

  • 7+ years experience in insurance and personal finance editing

  • NPN: 6642281


Becky has worked as an editor at Insurify since 2024. In addition to her years of editing experience, Becky is a licensed property and casualty insurance agent.

Mark Friedlander
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute

Qualifications:
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert


As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

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
Details
4.2
Best choice in ArkansasBased on 21,705 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.23.2
Customer service4.43.6
Discounts4.02.9
Policy transparency4.03.1
Value3.92.9
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 in Arkansas for
Customer service
Competitive rates
Discounts for safe drivers
Showing 17 reviews from Arkansas driversSee all 8,309 State Farm reviews
Asad Mahmood
Verified Review
They Don’t Care About Losing Business
They always increase my insurance at renewal, even when I haven’t had any claims, accidents, or tickets.
John
Verified Review
State Farm
Great customer service and care.
Wally
Verified Review
Excellent
Every time I’ve checked rates, State Farm has always been the lowest.
JD Power
JD 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

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%.

Pros
  • Local agents in 88 Arkansas cities

  • Low rates in Arkansas

  • Good student discount of up to 25%

Cons
  • 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
Details
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

Based on analysis of verified reviews collected by Insurify

Best in Arkansas for
Competitive rates
Easy buying process
Telematics program
Showing 20 reviews from Arkansas driversSee all 9,306 Progressive reviews
Lori
Verified Review
Poor
They pushed Snapshot on me without telling me, and it raised my rate. I’m not happy about it.
Randy
Verified Review
Quality Insurance
I'm happy with Progressive, but I'm always looking for better coverage and a better price. I'm a senior citizen on a limited income.
Charles
Verified Review
They don’t seem to care about customers, just the payment
The price is too high for the coverage.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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

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.

Pros
  • Pet injury coverage included with collision coverage

  • 24/7 account and claims support

  • Three accident forgiveness options

Cons
  • 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
Details
4.1
Best choice in ArkansasBased on 21,359 verified driver reviews and ratings
GEICO's score
Industry average
Coverage options4.13.2
Customer service4.33.6
Discounts4.02.9
Policy transparency4.13.1
Value4.02.9
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 in Arkansas for
Teen drivers
Cheap rates
Accident forgiveness
Showing 9 reviews from Arkansas driversSee all 8,356 GEICO reviews
Cathy
Verified Purchase
GEICO Local Office Experience
The local office is kind. I haven’t had any claims to rate yet, but so far everything has been as promised.
Robert
Verified Purchase
Keeps going up instead of staying the same price!!!
My first payment was $45, the second was $76, and the third was $59. I'm not happy.
Gerald
Verified Review
Geico is terrible
Do not use Geico; they make changes to your policy without authorization. They are constantly raising rates without notice.
JD Power
JD 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

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.

Pros
  • Optional mechanical breakdown coverage

  • Free accident forgiveness after five years

  • Military and deployment discounts

Cons
  • 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
Details
3.9
A solid option in ArkansasBased on 12,581 verified driver reviews and ratings
Allstate's score
Industry average
Coverage options3.93.2
Customer service4.03.6
Discounts3.92.9
Policy transparency3.83.1
Value3.42.9
How drivers feel about Allstate

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.

Based on analysis of verified reviews collected by Insurify

Best in Arkansas for
Accident forgiveness
Wide availability
Cheap rates
Showing 6 reviews from Arkansas driversSee all 4,803 Allstate reviews
James
Verified Review
I would rate Allstate as excellent based on my experience with customer service and support. I also like the fact that they reviewed my property and casualty policies prior to policy renewal.
I would rate Allstate as excellent based on my experience with customer service and support. I also like the fact that they reviewed my property and casualty policies prior to policy renewal.
Grace
Verified Review
No problems
I haven't had any problems with the insurance company. They are easy to work with and understanding in the way they explain things to you concerning your insurance policy. All in all, I think they're great.
Lizzie
Verified Review
Overpriced and Overrated
Nothing is wrong with Allstate, but the cost is extremely high for the coverage and the age of my car. I’m the only driver, and I don’t use it every day. It feels like we’re being punished for driving. I try to drive safely for myself and others. Sometimes I have to brake hard to avoid drivers who pull in front of you, cut you off while changing lanes, or stop suddenly. At times I speed up to avoid being run over, depending on the circumstances. I also use a hands-free phone.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
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

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.

Pros
  • 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

Cons
  • 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
Details
4.9
Best choice in ArkansasBased on 4,414 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.93.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
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

Best in Arkansas for
Members of the military community
Outstanding customer service
Competitive rates
Showing 9 reviews from Arkansas driversSee all 1,744 USAA reviews
Kathy
Verified Review
USAA Sucks
USAA sucks. I canceled my insurance after 12 years of poor service. The final straw was when they raised my car insurance by $100 after I was the victim of a hit-and-run. When I canceled my insurance, they still wanted $1,000 more, and they took the payment out automatically.
Michael
Verified Review
USAA Auto Insurance Review
Great company with better insurance, and the price is right.
Albert
Verified Review
What Happened to USAA?
I can honestly say I haven’t used them yet, but I did get better coverage, better deductibles, and more insurance for $300 less than what I was paying with USAA.
JD Power
JD 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

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%.

Pros
  • Low annual mileage savings through SafePilot Miles

  • SafePilot participation won’t ever raise your premium

  • Discount of up to 60% during deployment

Cons
  • 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 Arkansasexpand/collapse

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.

Excellent
4.7 out of 5 based on 18,384 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

How to get the best car insurance in Arkansas

Use these tips to lower your car insurance costs in Arkansas:

  • illustration card https://a.storyblok.com/f/162273/150x150/0cc2b7beaf/insurify-icons-auto-gold-96x96_005-insurance.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/d2251ba1fd/weather-96x96-blue_018-tornado.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/885ead1bff/family-96x96-green_005-grandmother.svg

    Check for a 55+ discount

    Arkansas requires insurers to offer a discount to drivers 55 and older who complete an approved accident-prevention course.

  • illustration card https://a.storyblok.com/f/162273/150x150/27a2e3602a/credit-and-loan-96x96-orange_033-discount.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    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

  1. Arkansas Department of Finance & Administration. "Safety Responsibility."
  2. U.S. Department of Veterans Affairs. "Arkansas Distribution of Veterans by County (FY2023)."
  3. Arkansas Insurance Department. "Automobile Insurance."
  4. Insurance Information Institute. "Facts + Statistics: Tornadoes and Thunderstorms."
Photo of an Insurify author
Writer: Amy BeardsleyFreelance Insurance and Real Estate Writer

Qualifications:
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology


Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

Becky Helzer
Editor: Becky HelzerLicensed P&C Agent, Editor

Qualifications:
  • 15+ years editing experience

  • 7+ years experience in insurance and personal finance editing

  • NPN: 6642281


Becky has worked as an editor at Insurify since 2024. In addition to her years of editing experience, Becky is a licensed property and casualty insurance agent.

Mark Friedlander
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute

Qualifications:
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert


As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.