The average cost of a full coverage car insurance policy in Arkansas is $1,768 per year — but rates vary depending on where in the state you live, your driving history, your credit score, and other details.
The best way to find your lowest rates is to shop around. Policygenius can help you compare prices from top car insurance companies so you can pick the best policy at the right price.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Arkansas
Insurance rates vary from one company to the next, even for the same amount of coverage, which it's why it's so important to shop around and compare quotes before picking a policy. Here are the cheapest car insurance companies in Arkansas by average rate:
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $962 | 890 |
State Farm | $976 | 882 |
Travelers | $1,216 | 854 |
GEICO | $1,304 | 874 |
Farm Bureau | $1,379 | -- |
Cheapest car insurance companies by age in Arkansas
Young drivers pay more for car insurance, because their inexperience means they’re more likely to get in an accident and need to file a claim. But as long as teen and young drivers maintain a clean record and avoid violations and accidents, they should see their rates drop every year until they turn 25.
Age | Cheapest company | Average cost |
|---|---|---|
21 | USAA | $1,305 |
25 | USAA | $1,114 |
35 | USAA | $966 |
45 | USAA | $910 |
55 | USAA | $866 |
60 | USAA | $861 |
16 | State Farm | $3,246 |
18 | State Farm | $2,530 |
30 | State Farm | $996 |
65 | State Farm | $871 |
70 | State Farm | $910 |
Choosing the right car insurance company in Arkansas
Shopping for car insurance may seem complicated, but it all comes down to a few key factors to compare.
Cost: Look to see how much you’ll pay for each policy so you can understand the range of rates available to you and can make sure you choose an affordable option
Coverage: The more coverage you buy the more protection you’ll have, but more coverage also means higher rates
Service: Consider a company’s customer service and claims satisfaction ratings before you buy, as well as available tools like mobile apps
Policygenius makes comparing car insurance companies easy, so you can feel confident that you’re getting the coverage you need at an affordable rate.
Car insurance rates for drivers with driving violations in Arkansas
A clean driving record can save you money on a car insurance policy. On the flip side, if your driving record isn’t so good, then you could end up paying much more. The more violations and accidents you have on your record, the higher your rates will climb.
Violation | USAA | State Farm | Travelers | GEICO | Farm Bureau |
|---|---|---|---|---|---|
At-fault accident | $1,424 | $1,128 | $1,742 | $1,914 | $1,808 |
DUI | $1,932 | $1,054 | $1,922 | $1,453 | $1,675 |
Suspended license | $1,883 | $1,054 | $2,755 | $2,126 | $1,675 |
Open container | $1,469 | $1,054 | $1,657 | $1,453 | $1,675 |
Expired registration | $1,211 | $1,054 | $1,657 | $1,423 | $1,523 |
Driving without lights | $1,211 | $1,054 | $1,657 | $1,461 | $1,523 |
Running a red light | $1,211 | $1,054 | $1,657 | $1,461 | $1,523 |
Following too closely | $1,211 | $1,054 | $1,657 | $1,461 | $1,523 |
Hit and run | $1,979 | $1,054 | $1,922 | $1,453 | $1,675 |
Not-at-fault accident | $1,020 | $996 | $1,304 | $1,214 | $1,412 |
Passing a school bus | $1,356 | $1,054 | $1,922 | $1,461 | $1,675 |
Reckless driving | $1,744 | $1,054 | $1,922 | $1,453 | $1,675 |
Speeding | $1,211 | $1,054 | $2,083 | $1,453 | $1,523 |
Cheapest car insurance for drivers with bad credit in Arkansas
A history of bad credit can also have a detrimental impact on your car insurance rates, so drivers with poor credit should be sure to take time to shop around and find their most affordable options.
Company | Rates for drivers with bad credit |
|---|---|
USAA | $1,804 |
GEICO | $1,867 |
Nationwide | $2,212 |
Travelers | $2,272 |
Farm Bureau | $2,554 |
Car insurance costs in Arkansas cities
Where you live matters a lot when it comes to car insurance. The number of accidents and claims reported in your area, as well as local factors like repair costs, street parking, and crime rates can all affect your premiums. Here’s what drivers pay for car insurance, on average, in the 10 biggest cities in Arkansas.
Little Rock: $1,979
Fayetteville $1,674
Fort Smith: $1,663
Springdale: $1,665
Jonesboro: $1,744
Rogers: $1,614
North Little Rock: $1,921
Conway: $1,701
Bentonville: $1,624
Pine Bluff: $2,020
Buying car insurance in Arkansas
Arkansas drivers are required to have car insurance. The minimum amount of coverage required in the state is:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Proof of car insurance must be kept in your vehicle at all times whether it’s a physical card or an electronic one. If a law enforcement officer requests proof of insurance, you must have it at the ready.
Driving without insurance can incur serious penalties. Fines range from as little as $50 up to $1,000 for repeat offenders. Your registration may be suspended, which requires a fee of $20 to reinstate, and your car could even be impounded. You will be responsible for the costs of towing and impounding your car.
Arkansas is an at-fault state so the driver who is determined to be at-fault for an accident will pay the other party’s related expenses (that’s what your liability coverage is for). Make sure you have enough coverage to comfortably cover expenses if you are found at-fault in an accident.
How to get cheap car insurance in Arkansas
Drive safely: Try to avoid accidents, traffic tickets, and other driving violations if you want to keep your rates low.
Compare quotes: Compare options from multiple companies to find the best coverage at the best rate
Bundle policies: Get your auto and home or renters insurance from the same company to save on both policies
Know your discount options: Car insurance companies offer discounts for everything from going paperless to taking a defensive driving course. Make sure you’re getting every discount you qualify for
Find car insurance in your city:
Frequently asked questions
Who has the cheapest car insurance rates in Arkansas?
Our data shows that the cheapest car insurance companies in Arkansas, on average, are USAA and State Farm. But your rates may vary, so be sure to shop around and compare policies before you buy.
How can I save on my car insurance in Arkansas?
Keep an eye on your credit, avoid accidents, and keep your speed down so you don’t get tickets or other moving violations, this will all help get you a better rate on car insurance.
Does Arkansas require car insurance?
Yes. Arkansas requires a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage and property damage liability coverage of at least $25,000.
How much is car insurance per month in Arkansas?
The average cost of car insurance in Arkansas is $147 per month, or $1,768 per year.
