Cheap Full-Coverage Car Insurance in Arkansas (2026)
Arkansas drivers can find the cheapest full-coverage car insurance from State Farm, with an average rate of $71 per month.
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Writer: Charlie Hope D'AnieriInsurance and Personal Finance Writer
Writer: Charlie Hope D'AnieriInsurance and Personal Finance Writer
Qualifications:
7+ years in personal finance writing
Small business blogger
Charlie Hope D’Anieri is an experienced copywriter, researcher, and journalist. He has written about business formation and home and auto insurance for several years. He’s covered agriculture and politics for outlets including The Guardian, The New Republic, and many others.
A graduate of Middlebury College, he also holds a master’s degree in English Language & Literature from The University of Maryland-College Park. Charlie is passionate about helping readers understand how insurance works, and why it’s important to their financial wellbeing.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Quick Facts
Full coverage in Arkansas costs an average of $150 per month.
Rates for full-coverage car insurance in Arkansas are cheaper than the national average.
The state’s severe weather and high vehicle fatality rates affect full-coverage car insurance rates.
Cheapest full-coverage car insurance in Arkansas
Full-coverage car insurance in Arkansas costs an average of $150 per month. State Farm has the lowest average full-coverage rates, though the best company for you may vary depending on several factors.
The following table shows the cheapest quotes for full-coverage Arkansas auto insurance.
The below rates in Arkansas are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $71 |
| USAA | $86 |
| Progressive | $90 |
| Allstate | $106 |
| Root | $117 |
| GEICO | $119 |
| Auto-Owners | $121 |
| National General | $125 |
| Direct Auto | $127 |
| Safeco | $134 |
| Trexis | $143 |
| Shelter | $156 |
| Farmers | $159 |
| Travelers | $167 |
| Trexis One | $178 |
| GAINSCO | $193 |
| Liberty Mutual | $201 |
| Dairyland | $226 |
| The General | $226 |
| Bristol West | $260 |
Disclaimer: Table data sourced from real-time Arkansas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Arkansas may vary based on the policy buyer's unique driver profile.
How much is full-coverage insurance in Arkansas?
In Arkansas, a full-coverage car insurance policy costs an average of $150 per month, nearly 20% less than the national average of $187 per month.
The Natural State has fewer people per square mile than the national average and shorter average commute times, according to the U.S. Census Bureau.
But Arkansas also has some of the nation’s highest crash fatality rates, plus a history of severe weather disasters.[1] [2] These factors all contribute to the state’s insurance costs.
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How to find cheap full-coverage car insurance in Arkansas
Even though full coverage in Arkansas is cheaper than the national average, these tips can lower your costs even further:
Compare quotes. In a crowded marketplace, companies charge different prices for the same coverage, according to the Arkansas Insurance Department.[3] Shop around to find the cheapest quotes.
Choose higher deductibles. If you have low comprehensive and collision deductibles, consider raising them to lower your rates. Make sure you can afford to pay a higher out-of-pocket deductible if you need to file a claim.
Get a defensive driver discount. Arkansas state law requires car insurance companies to offer a discount to drivers 55 and older who complete a state-approved driving course. Young drivers may be eligible for similar car insurance discounts.
Maintain a clean driving record. Traffic violations like speeding or driving while intoxicated (DWI) flag you as a high-risk driver and increase your rates.
Improve your credit. Arkansas insurance companies may consider your credit history when setting your auto insurance rates.[4] Drivers with a strong credit history may pay lower car insurance premiums.
Bundle coverage. Some insurers offer a multi-policy discount when you bundle car insurance and renters or homeowners insurance.[5]
What full-coverage car insurance covers
In addition to liability coverage, full-coverage car insurance includes comprehensive and collision coverage. Here’s how each one works:
Comprehensive coverage
Protects your vehicle from non-collision incidents unrelated to your driving. These include fire, hail, flooding, and contact with animals. Comprehensive insurance also covers vehicle theft and vandalism.
Collision coverage
Pays to repair or replace your car after a collision. This includes collisions with other cars, telephone poles, guardrails, or potholes, as well as vehicle overturns.
Car insurance requirements in Arkansas
Car insurance is mandatory in Arkansas. Every Arkansas driver must meet these minimum coverage requirements:[6]
Bodily injury liability: $25,000 per person and $50,000 per accident. Pays for the other driver’s medical expenses if you cause an accident.
Property damage liability: $25,000 per accident. Pays to repair or replace the other driver’s vehicle after an accident you cause. Also pays for other property damage, such as a broken mailbox or street sign.
The state also requires car insurance companies to offer uninsured and underinsured motorist coverage as well as personal injury protection (PIP). You can reject these in writing.
Consider purchasing higher liability limits than Arkansas’s minimum requirements. Insurance experts caution that the cost of many accidents can easily exceed minimum limits. If you lack sufficient coverage, you’ll have to pay the difference out of pocket.
Minimum vs. full-coverage car insurance in Arkansas
State-minimum car insurance pays for third-party medical expenses and property damage you cause in an accident, up to the state-required limits.
A full-coverage car insurance policy also pays to repair or replace your vehicle if you’re in an accident, if someone steals it, or if it sustains weather-related damage.
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Arkansas | $73 | $150 |
| Covers damage to your own car | No | Yes |
| Covers damage to another driver’s car if you cause an accident | Yes | Yes |
| Covers theft and vandalism, hail, fire, flooding, and other weather-related damage | No | Yes |
| Satisfies lender’s requirements | No | Yes |
Disclaimer: Table data is based on real-time Arkansas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Because Arkansas faces significant weather risks, including flooding, earthquakes, landslides, tornadoes, and wildfires, a full-coverage car insurance policy is worth considering if you can afford the premiums.
The Arkansas Insurance Department warns that the cost of repairs doesn’t decrease as your car gets older. For this reason, you may want to maintain full coverage on your older vehicle, especially if you can’t afford to replace it out of pocket after a car accident.
Is full-coverage car insurance worth it in Arkansas?
Arkansas is vulnerable to severe weather that causes widespread damage to property, including cars. In April 2025, several weeks of tornadoes, hail, thunderstorms, and record rainfall caused emergency conditions in 17 Arkansas counties.
The frequency of weather-related disasters in Arkansas has increased in recent years.
If a severe storm damaged your car, you’d have no coverage with a liability-only insurance policy. With a full-coverage policy, you’d pay your comprehensive deductible, and your insurance would pay to repair or replace your car.
While liability-only coverage is cheaper in the short term, a full-coverage policy can potentially save thousands of dollars in repair or replacement costs.
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Full-coverage policies average $150/mo.
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Pros and cons of full-coverage car insurance in Arkansas
Pros
Covers weather-related damage, theft, and vandalism
Satisfies lender or lessor requirements
Pays to repair or replace your vehicle if you’re in an at-fault accident
Cons
More expensive
Premiums may exceed an older vehicle’s value
Must pay a deductible before insurance kicks in
Full-coverage car insurance in Arkansas FAQs
See the answers to frequently asked questions below to learn more about full-coverage car insurance in Arkansas.
Is full-coverage car insurance required in Arkansas?
No. Arkansas state law doesn’t require drivers to have full coverage. If you can’t afford to replace your vehicle out of pocket, though, it’s smart to consider full coverage. Arkansas also has significant weather risks and a very high vehicle crash rate.
Which companies have the cheapest full-coverage policies in Arkansas?
State Farm and USAA offer some of the cheapest full-coverage car insurance rates in Arkansas, averaging $71 and $86 per month. The best car insurance for your situation depends on your age, vehicle, driving history, credit history, annual mileage, and more.
Does full-coverage car insurance in Arkansas include personal injury protection?
No. Full-coverage insurance includes comprehensive and collision coverage, but it doesn’t pay for your medical expenses. Arkansas car insurance companies must offer personal injury protection when you buy a new policy, but you can reject it in writing.
Sources
- Insurance Institute for Highway Safety. "Fatality Facts 2024 State by State."
- National Centers for Environmental Information. "Billion-Dollar Weather and Climate Disasters, Arkansas Summary."
- Arkansas Insurance Department. "Automobile Insurance."
- Arkansas Insurance Department. "Understanding How Insurers Use Credit Information."
- Consumer Services Division. "Basic Shopping Tips for Insurance Consumers."
- Division of the Arkansas Department of Commerce. "Consumer FAQs."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Writer: Charlie Hope D'AnieriInsurance and Personal Finance Writer
Writer: Charlie Hope D'AnieriInsurance and Personal Finance Writer
Qualifications:
7+ years in personal finance writing
Small business blogger
Charlie Hope D’Anieri is an experienced copywriter, researcher, and journalist. He has written about business formation and home and auto insurance for several years. He’s covered agriculture and politics for outlets including The Guardian, The New Republic, and many others.
A graduate of Middlebury College, he also holds a master’s degree in English Language & Literature from The University of Maryland-College Park. Charlie is passionate about helping readers understand how insurance works, and why it’s important to their financial wellbeing.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.