3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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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Arkansas drivers pay an average of $103 per month for liability insurance and $247 per month for full coverage. That’s more expensive than the national average, possibly because of the state’s high traffic fatality rate: 22.9 deaths per 100,000 people in 2021.[1]
Here’s how to find affordable car insurance, compare quotes, and get the auto coverage you need in the Bear State.
Quick Facts
The cheapest auto insurer for full coverage is State Farm, with rates of $59 per month.
Arkansas follows modified comparative negligence standards, meaning you can only recover damages from the other driver if you’re less than 50% at fault in an accident.[2]
Insurance companies in Arkansas must offer a defensive driver discount for drivers older than 55 who have successfully completed an approved course.[3]
3 of the cheapest car insurance companies in Arkansas
If you’re looking for cheap car insurance in Arkansas, consider different factors like your ZIP code, budget, driving record, and coverage needs. It’s also a good idea to compare several auto insurance companies to find one that offers a great deal.
To help you with your search, here are three of the cheapest car insurance companies in Arkansas.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
4.5
$59
$29
Teens and young drivers
USAA
4.5
$72
$35
Military members
GEICO
4.2
$89
$44
Senior drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
Best insurer for teens and young drivers: State Farm
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
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.
$29/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.
$59/mo
Nearly 23% of Arkansas’ population is younger than 18.[4] If you’re a teen or young driver in Arkansas, you may be able to lock in a low rate with State Farm. The insurance company offers the Steer Clear program, which can save drivers younger than 25 up to 15% for having no at-fault accidents or moving violations on their records. You may also secure a discount for being a student.
Pros
Above-average J.D. Power customer satisfaction rating in the Central region
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
879
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.
$35/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.
$72/mo
More than 180,000 veterans call Arkansas home, according to the U.S. Census Bureau.[4] If you’re a military member or veteran in the state, you might find cheap premiums with USAA. The insurer specifically serves the military community with car insurance as well as other insurance products, like homeowners insurance, renters insurance, and life insurance.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
847
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.
$89/mo
Data from the U.S. Census Bureau shows that 17.8% of Arkansas residents are 65 or older. GEICO offers various savings opportunities for senior drivers in the state, such as its retired government and military discount, defensive driving discount, and five-year good driving discount. Also, if you’re at least 50, you may benefit from its Prime Time Contract, which guarantees your policy renewal.
Pros
Offers car accident forgiveness
Various coverage options available
Cons
Doesn’t offer gap insurance
Below-average J.D. Power customer satisfaction rating in the Central region
I need cheaper coverage. It's too much for two cars.
Eminny - April 17, 2024
Verified
Inconsistent Communication and Service
This is my second time with GEICO. The first time was fine, but this time around, they set my policy to be cancelled on a Monday. They claimed to have sent me a letter the previous Friday requesting documents that I never received. I called them multiple times about it, and each time I received a different reason and excuse. Despite sending them everything they needed, my policy remains cancelled. Without insurance, my car just sits there, and since it's financed, I might even end up losing it. I'm just waiting for them to review my documents and reactivate my policy. They said they would reach out to me if they needed anything else or to at least let me know the verdict, which they never did. I have to keep calling them myself, only to receive different excuses each time and no policy reactivation. They never reach out when they say they will, and other insurance options are very expensive for me as a fairly new driver.
Andy - April 15, 2024
Verified
Unexpected Rate Increase
I had an accident and they raised my rates to over $8,000 a year. I initially thought I was making normal upfront payments, but it turned out to be monthly payments.
…
How to get the cheapest car insurance in Arkansas
Many car insurance companies offer auto policies to Arkansas drivers, and it can be hard to find the one that best fits your budget. These tips can help you land the lowest rates:
Compare quotes. Use a quote-comparison tool or work with a car insurance agent to get quotes from at least three different car insurance companies. Then, choose the auto insurance company with the cheapest premiums and the right coverage for your needs.
Look for discounts. Many car insurance companies offer discounts to customers, including an auto-pay discount, multi-car discount, and loyalty discount. Find out which discounts apply to you and take advantage of them.
Bundle policies. If you purchase your car insurance from the same company as your home insurance, renters insurance, or life insurance, you may be able to lock in more affordable auto insurance coverage.
Drive safely. Serious traffic violations, like speeding, at-fault accidents, and DUIs, can increase your car insurance costs. For the cheapest rates, do your best to be a responsible driver.
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Cheapest liability-only car insurance in Arkansas: State Farm
Arkansas law requires drivers to purchase liability-only car insurance. This coverage pays for others’ property damage and injuries after an accident you cause. Liability-only policies in Arkansas cost an average of $103 per month.
Here’s a look at the most affordable rates for liability insurance in the state.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Arkansas: State Farm
Full-coverage car insurance usually includes liability coverage, collision coverage, and comprehensive coverage. It offers additional protection on the road, and you may need it if you finance or lease your vehicle. Arkansas drivers pay an average of $247 per month for full-coverage car insurance.
The table below shows the best rates for a full-coverage policy in Arkansas.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Arkansas
Arkansas is an at-fault state, also called a tort state. This means the driver responsible for the accident must pay for the damages and injuries they cause to drivers and passengers in another vehicle. However, the car insurance laws in the state are unique in that they follow modified comparative negligence standards.
Under modified comparative negligence standards, you can collect damages from the other driver only if you’re less than 50% at fault.[2] The Bear State requires bodily injury liability coverage and property liability coverage and mandates proof of insurance when law enforcement requests it.
Here are the minimum insurance requirements in Arkansas:[3]
Coverage
Minimum Requirements
Bodily injury liability
$25,000 per person / $50,000 per accident
Property damage liability
$25,000 per accident
While the coverage amounts above meet the minimum requirements in Arkansas, you might want to upgrade your coverage with any of the following options:
Collision coverage
Collision coverage pays to repair or replace your vehicle after you hit another vehicle or object, no matter who’s at fault.
Comprehensive coverage
Comprehensive coverage helps pay for vehicle damage from non-collision events, like fires, theft, falling objects, and vandalism.
Cheapest car insurance for drivers with an incident
If your driving record has at-fault accidents, speeding tickets, or driving under the influence (DUI) violations, insurers may perceive you as a high-risk driver and charge you more expensive premiums as a result. For this reason, Arkansas drivers with clean records usually pay cheaper rates.
If you have a poor driving record, you can still find affordable auto insurance coverage. Here’s how driving incidents can affect your car insurance costs in Arkansas.
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Monthly rates start at $36 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding can impair your ability to react quickly and increase the risk of accidents. Arkansas drivers with speeding tickets usually pay more for car insurance, even if they didn’t cause an accident while speeding. The average cost of car insurance for drivers with a speeding ticket in Arkansas is $151 per month for liability-only coverage.
Below, you’ll find the cheapest liability-only auto policies for Arkansas residents with speeding tickets.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Once you cause an accident, insurers consider you a riskier driver and charge you higher rates. Drivers with an at-fault accident pay an average of $155 per month for insurance. These companies also offer cheap liability rates for Arkansas drivers with at-fault accidents on their records.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Arkansas takes DUIs very seriously and penalizes drivers with DUIs through a license suspension, fines, ignition interlock device, and more.[5] The cheapest auto insurance company for drivers with a DUI in Arkansas is State Farm, with rates at $47 per month.
Here are the cheapest liability-only car insurance rates for drivers with a DUI in Arkansas:
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Due to impairments like poor vision and slower reflexes, seniors’ driving capabilities may decline and cause their risk of an accident to increase.[6] Average rates typically decrease at age 35 and increase a bit again around age 70. However, senior drivers still typically pay lower-than-average rates.
The cheapest car insurance company for seniors in Arkansas is State Farm, but you may also be able to find cheap rates in Arkansas with the companies in the table below.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Because of their limited experience behind the wheel, teens and young drivers in Arkansas pay higher car insurance premiums than other age groups. Thecheapest insurer for teen drivers in Arkansas is State Farm, with a cost of $50 per month. Fortunately, teens and young drivers can save by staying on their parents’ auto policy and locking in a good student discount.
This table shows the cheapest car insurance options for teen drivers in Arkansas.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Liability rates start at $29 per month
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Arkansas car insurance quotes by credit tier
Like most states, Arkansas allows auto insurance companies to consider your credit history when underwriting policies and determining rates.[7] Because insurers believe drivers with good and excellent credit are less likely to file claims, they usually offer them cheaper premiums. And drivers with poor credit tend to pay more expensive rates.
Here’s how your credit history affects your car insurance rates in Arkansas.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The average cost of car insurance in Arkansas is $103 per month for liability insurance and $247 per month for full coverage.
Which company has the cheapest car insurance in Arkansas?
State Farm, USAA, and GEICO offer the cheapest liability insurance coverage in Arkansas, with rates of $29, $35, and $44 per month, respectively.
But the best way to find the cheapest rates for your situation is to compare quotes from at least three different insurers for the same coverage level. The more quotes you get, the better, so shopping around with an online comparison tool can help.
What are the best car insurance companies in Arkansas?
Some of the best car insurance companies in Arkansas include State Farm, GEICO, and USAA. These insurers have solid AM Best financial strength ratings, strong Insurify Quality (IQ) Scores, and relatively cheap rates for drivers.
What is the minimum insurance required in Arkansas?
Arkansas requires drivers to maintain 25/50/25 minimum insurance coverage. This translates to $25,000 per person and $50,000 per accident for bodily injury liability coverage and $25,000 per accident for property damage liability coverage.[3]
How can you reduce your car insurance costs in Arkansas?
Arkansas drivers can reduce car insurance costs by looking for discounts, maintaining clean driving records, bundling insurance policies, and comparing quotes regularly.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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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