120+ more*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on March 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on March 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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Car insurance costs less in Arkansas than the national average. Minimum coverage costs an average of $77 per month in Arkansas, and full-coverage costs $143 per month. Nationally, the monthly averages are $99 for liability-only coverage and $173 for full coverage.
Insurify’s data team collected auto insurance quote information from 120+ of Arkansas’ top insurance companies to identify the best car insurance for the lowest price. Here’s a look at the cheapest insurers in Arkansas and their average rates.
Driver Category | Cheapest Insurance Company in AR | Cheapest Monthly Quote in AR |
|---|---|---|
| Overall | State Farm | $44 |
| State-minimum coverage | State Farm | $44 |
| Full coverage | State Farm | $87 |
| Drivers with a clean record | State Farm | $44 |
| After a speeding ticket | State Farm | $56 |
| After an at-fault accident | State Farm | $57 |
| After a DUI | State Farm | $63 |
| Teen/new drivers | State Farm | $88 |
| Seniors | State Farm | $35 |
| Bad credit | Progressive | $53 |
Liability-only policies are cheaper than buying full coverage while still ensuring you meet the legal requirements to drive on Arkansas roads. Two-thirds of drivers in Arkansas own their car outright and are eligible to buy these policies, Insurify data shows.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $44 |
| Progressive | $48 |
| USAA | $53 |
| Trexis | $59 |
| National General | $65 |
| GEICO | $66 |
| Root | $69 |
| Auto-Owners | $74 |
| Trexis One | $76 |
| Safeco | $82 |
| GAINSCO | $84 |
| Direct Auto | $85 |
| Shelter | $96 |
| Allstate | $97 |
| Nationwide | $98 |
| Farmers | $98 |
| Travelers | $103 |
| The General | $103 |
| Dairyland | $107 |
| Bristol West | $127 |
| Liberty Mutual | $140 |
| Hugo | $165 |
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Britney Balk
Customer Service Supervisor, Insurify
Buying a liability-only policy can help keep your monthly premium lower. But you need to be in good shape financially to take this kind of risk. Your policy won’t pay to repair your car if you cause an accident, so it’s a good idea to have an emergency fund that can pay for your own repairs.
About one-third of Arkansas drivers make regular car payments. In that scenario, lenders generally require you to pay for full coverage on your car.
Full coverage adds collision and comprehensive coverage to your policy, which pays to fix damage to your vehicle. Keep in mind, though, that full coverage won’t pay off your lease or loan balance if you total your car. You’ll need an Arkansas gap insurance policy for that.
Here’s what insurance companies are charging for full-coverage car insurance in Arkansas.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $87 |
| USAA | $106 |
| Root | $124 |
| GEICO | $131 |
| National General | $143 |
| Direct Auto | $144 |
| Auto-Owners | $148 |
| Safeco | $151 |
| Trexis | $165 |
| Shelter | $192 |
| Allstate | $194 |
| Nationwide | $196 |
| Farmers | $196 |
| Trexis One | $202 |
| GAINSCO | $206 |
| Travelers | $206 |
| Liberty Mutual | $211 |
| The General | $235 |
| Dairyland | $258 |
| Bristol West | $310 |
*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on March 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on March 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Lots of insurance agents are vying for your business in Arkansas, ranging from large national insurers like State Farm and GEICO down to smaller regional companies like Shelter Insurance. That gives you plenty of opportunity to find the best car insurance in Arkansas for your needs, no matter what you’re looking for.
| User Reviews | 4.0 |
|---|---|
| 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. | $44/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. | $87/mo |
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.
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.
In Arkansas, about one-third of all passenger cars on the road have coverage through State Farm. When you buy a policy through State Farm, you’re taking advantage of its massive driver pool, which helps lower costs for everyone.
Dozens of local agents throughout Arkansas
Up to 30% off for driving safely while using telematics app
Second-highest J.D. Power customer satisfaction in Arkansas region
Doesn’t offer accident forgiveness
Offers only eight discounts in Arkansas
Very negative reviews on customer rating websites like Trustpilot
| 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. | $53/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. | $106/mo |
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.
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.
Only 3,000 active-duty military members live in Arkansas, but nearly 10% of the state’s population consists of veterans.[1] All of them — as well as family members and civilian contractors — are eligible to buy auto coverage through USAA, which consistently offers top-notch coverage at exceptional rates.
Also offers full-service banking and loans
Discount of up to 30% for using telematics app
Highest-rated insurer in Arkansas, per J.D. Power
No local agents or branches in Arkansas
Policies not available to the general public
Poor customer ratings with the Better Business Bureau (BBB) and Trustpilot
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| 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. | $48/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Only State Farm offers lower rates on minimum-coverage policies in Arkansas for teen drivers, according to Insurify’s data team. But Progressive also offers a special discount just for teens, while State Farm doesn’t.
Highly rated mobile app
Many local agents throughout Arkansas
More discount options than State Farm
Just 1.2 (out of 5) stars and nearly 1,600 reviews on Trustpilot
Rates generally aren’t the cheapest in Arkansas
Poor J.D. Power ratings for customer service in Arkansas
Arkansans might have noticed a bumpy ride over the past few years with their car insurance bills. Average car insurance prices in Arkansas rose in early 2024 and then started falling to today’s rates, which are lower than nationwide averages.
Arkansas’ motor vehicle theft rates have steadily trended down since 2022 and could partially account for the state’s lower car insurance rates. Arkansas also saw a 12% decline in car crash fatalities during the first part of 2025.[2] In 2026, Insurify’s data team predicts rates will continue to decline by 1% through the year.
Auto insurance costs in Arkansas are constantly changing over time, as you can see in this chart showing costs over the last five years:
Liability rates start as low as $77/mo.
Arkansas has fairly typical requirements for car insurance coverage that you’ll need to get before you can legally hit the road. Here are the minimum-coverage types and limits you’ll need in Arkansas:[3]
Bodily injury liability: $25,000 per person
Bodily injury liability: $50,000 per accident, combined
Property damage liability: $25,000 per accident
Insurance companies in Arkansas must offer uninsured and underinsured motorist coverages for bodily injury and personal injury protection (PIP). But these coverages are optional, and you don’t have to buy them.
If you’re involved in any car accidents that injure anyone or cause more than $1,000 of property damage, you’ll need to report it to the state within 30 days. You’ll also need to provide proof of insurance coverage at the time of the accident.
Arkansas has more people living in rural areas than the average U.S. state.[4] But even so, some towns are bigger than others, and that can bring different pricing on policies. People living in places like Little Rock and Fayetteville typically pay more than residents of smaller locales like Russellville and Bentonville.
You can compare these costs below to see how car insurance prices change across different cities in Arkansas:
City | Average Monthly Quote |
|---|---|
| Benton | $110 |
| Conway | $114 |
| Fayetteville | $117 |
| Fort Smith | $113 |
| Jonesboro | $118 |
| Little Rock | $142 |
| North Little Rock | $128 |
| Pine Bluff | $137 |
| Russellville | $110 |
| Springdale | $120 |
Being a safe driver has its perks, and paying affordable premiums for a car insurance policy is one of them. If you’ve got a clean Arkansas driving record, here’s what you might pay for liability-only coverage with different insurers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $41 |
| Progressive | $46 |
| USAA | $49 |
| Trexis | $57 |
| National General | $57 |
| GEICO | $63 |
| Root | $67 |
| Auto-Owners | $69 |
| Trexis One | $73 |
| GAINSCO | $77 |
| Direct Auto | $78 |
| Safeco | $84 |
| Shelter | $84 |
| Nationwide | $90 |
| Farmers | $90 |
| Allstate | $93 |
| The General | $94 |
| Travelers | $95 |
| Dairyland | $97 |
| Bristol West | $120 |
| Liberty Mutual | $141 |
| Hugo | $154 |
Nearly 4% of Arkansas drivers have a speeding ticket on their driving record, and that typically causes liability insurance rates to go up by 53%. Here are the lowest-cost options among common Arkansas insurers if police catch you driving too fast:
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $56 |
| Progressive | $60 |
| USAA | $69 |
| Trexis | $74 |
| National General | $81 |
| GEICO | $86 |
| Root | $92 |
| Trexis One | $95 |
| Auto-Owners | $96 |
| GAINSCO | $100 |
| Direct Auto | $106 |
| Safeco | $108 |
| Allstate | $126 |
| Farmers | $126 |
| Nationwide | $127 |
| Shelter | $127 |
| Dairyland | $134 |
| Travelers | $134 |
| The General | $138 |
| Bristol West | $160 |
| Liberty Mutual | $178 |
| Hugo | $211 |
Arkansas law requires you to report any car accidents that cause more than $1,000 in property damage, or any harm to humans, within 30 days of the crash.[5] If you’re the one who caused the accident, it’s likely that your rates for car insurance will go up.
Just over 4% of Arkansas drivers have an accident on their driving record, Insurify data shows.
The table below shows the average car insurance rates for Arkansas drivers with at-fault accidents.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $57 |
| Progressive | $62 |
| USAA | $70 |
| Trexis | $76 |
| GEICO | $85 |
| National General | $85 |
| Root | $91 |
| Auto-Owners | $97 |
| Trexis One | $98 |
| GAINSCO | $106 |
| Safeco | $113 |
| Direct Auto | $114 |
| Allstate | $128 |
| Shelter | $128 |
| Farmers | $129 |
| Nationwide | $130 |
| Travelers | $137 |
| Dairyland | $140 |
| The General | $140 |
| Bristol West | $165 |
| Liberty Mutual | $184 |
| Hugo | $207 |
Less than 1% of Arkansas drivers have a driving under the influence (DUI) conviction, according to Insurify’s data scientists. People in Arkansas with a DUI typically see a 38% increase in average rates for liability coverage.
You can find more affordable DUI coverage options in Arkansas with certain insurance companies, though, like the ones in the following table.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $63 |
| Progressive | $67 |
| USAA | $76 |
| Trexis | $82 |
| National General | $93 |
| GEICO | $94 |
| Root | $99 |
| Trexis One | $105 |
| Auto-Owners | $106 |
| GAINSCO | $121 |
| Direct Auto | $122 |
| Safeco | $125 |
| Shelter | $138 |
| Allstate | $139 |
| Nationwide | $141 |
| Farmers | $141 |
| Travelers | $148 |
| The General | $148 |
| Dairyland | $154 |
| Bristol West | $182 |
| Liberty Mutual | $201 |
| Hugo | $237 |
You may need to buy coverage from an insurance company that’ll submit a Form SR-22 with the state if you’re convicted of certain high-risk driving offenses. Drivers with SR-22 coverage in Arkansas typically pay 58% more for insurance coverage than drivers with a clean record.
You’ll find that these companies typically offer the lowest rates for SR-22 coverage in Arkansas.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $59 |
| Progressive | $64 |
| USAA | $71 |
| Trexis | $79 |
| National General | $87 |
| GEICO | $89 |
| Root | $93 |
| Auto-Owners | $99 |
| Trexis One | $102 |
| Safeco | $110 |
| GAINSCO | $113 |
| Direct Auto | $114 |
| Shelter | $129 |
| Allstate | $130 |
| Nationwide | $132 |
| Farmers | $132 |
| Travelers | $138 |
| The General | $138 |
| Dairyland | $144 |
| Bristol West | $171 |
| Liberty Mutual | $188 |
| Hugo | $222 |
Compare quotes with Insurify could cut your car insurance bill up to 50%.
Arkansas has some of the most lenient requirements in the country for teen drivers to get their license. Teens aged 14 and 15 can get a learner’s permit, and the state has no requirement for supervised practice hours. Most states, in contrast, require around 50 hours of supervised driving.
Even so, young Arkansas drivers are relatively safe, with a lower crash fatality rate than the nationwide average.
Car insurance rates for teen drivers can still be high, although these companies typically offer the lowest rates for Arkansas teens.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $88 |
| Progressive | $92 |
| USAA | $101 |
| Trexis | $113 |
| GEICO | $121 |
| Root | $123 |
| National General | $135 |
| Trexis One | $146 |
| Auto-Owners | $153 |
| GAINSCO | $158 |
| Direct Auto | $168 |
| Safeco | $170 |
| The General | $186 |
| Dairyland | $189 |
| Shelter | $195 |
| Allstate | $197 |
| Nationwide | $197 |
| Farmers | $200 |
| Travelers | $219 |
| Bristol West | $233 |
| Liberty Mutual | $254 |
| Hugo | $279 |
Under state law, any insurance company operating in Arkansas must offer car insurance discounts to drivers age 55 and older who complete a defensive driver training course.
Senior drivers in Arkansas can expect lower car insurance costs, like the rates in the following table.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $35 |
| Progressive | $43 |
| USAA | $44 |
| National General | $52 |
| Trexis | $53 |
| GEICO | $54 |
| Root | $59 |
| Auto-Owners | $60 |
| Trexis One | $68 |
| Direct Auto | $70 |
| Shelter | $70 |
| GAINSCO | $73 |
| Safeco | $73 |
| Nationwide | $77 |
| Farmers | $80 |
| Allstate | $81 |
| Travelers | $84 |
| The General | $89 |
| Dairyland | $92 |
| Bristol West | $108 |
| Liberty Mutual | $120 |
| Hugo | $146 |
Arkansans, in general, have lower-than-average credit, which can sometimes make finding affordable car insurance coverage a challenge. Poor credit won’t deter all insurance companies from offering you affordable coverage, though.
The following data table shows some of the cheapest car insurance options for Arkansas drivers with bad credit.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $53 |
| State Farm | $60 |
| USAA | $61 |
| Trexis | $66 |
| National General | $76 |
| GEICO | $77 |
| Root | $80 |
| Trexis One | $85 |
| Safeco | $95 |
| GAINSCO | $98 |
| Direct Auto | $99 |
| Auto-Owners | $105 |
| Shelter | $112 |
| Allstate | $113 |
| Nationwide | $114 |
| Farmers | $114 |
| Travelers | $120 |
| The General | $120 |
| Dairyland | $124 |
| Bristol West | $148 |
| Liberty Mutual | $158 |
| Hugo | $192 |
Rates for Arkansas drivers with poor credit start at $53/mo.
It’s important to make sure you’re buying the right coverage — to stay within Arkansas law and to protect your wallet. Here are some of the most common questions people ask about Arkansas auto insurance.
Arkansas law requires all drivers to carry a 25/50/25 policy for required coverage. That translates into $25,000 of bodily injury liability coverage (up to $50,000 for each accident, if you injure multiple people) and $25,000 in property damage liability coverage.
The average cost of an auto insurance policy in Arkansas is $77 per month for minimum coverage and $143 per month for full coverage, according to Insurify data.
No. Arkansas is an “at-fault” state, meaning that drivers who cause injuries or property damage to others must pay for those costs. They’ll pay either through their liability insurance coverage or out of their own pockets if injuries and damages exceed their policy’s liability limits.
State Farm offers the lowest rates in Arkansas. Its average premiums are $44 per month for liability coverage in Arkansas.
No. Arkansas doesn’t have any programs to help low-income drivers with the cost of car insurance. Drivers age 55 and older can benefit from a state law that requires insurers to offer a discount to seniors who complete a defensive driving training course, which can lower costs.
Insurify data scientists analyzed more than 190 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Featured in
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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