The best car insurance in Arkansas

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Published November 15, 2021

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The average cost of a full coverage car insurance policy in Arkansas is $1,772 per year — but rates vary depending on where in the state you live. The average cost of car insurance in Oneida is $2,011 a year, while in Bisbee it’s only $1,304 a year.

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Rates can also vary based on your age, driving history, and even your credit score. The best way to find your lowest rates is to shop around — Policygenius can help you see quotes from top car insurance companies so you can pick the best policy at the right price.

Key Takeaways

  • USAA has the lowest average rates for a full coverage car insurance policy in Arkansas at $962 per year

  • State Farm has the lowest rate for Arkansas drivers with an at-fault accident on their record at $1,268 per year.

  • Arkansas requires a minimum of $25,000 per person/$50,000 per accident in bodily injury liability coverage and at least $25,000 in property damage liability coverage

Cheapest car insurance companies in Arkansas

Insurance rates vary from one company to the next, even for the same amount of  coverage. Every company considers where you live, your age, your driving record, and what kind of car you drive — but they all have different methods for calculating premiums, which is why it’s so important to get quotes from multiple companies .

Company

Average cost

JD Power Rating

USAA

$962

890

State Farm

$1,080

881

GEICO

$1,308

871

Southern Farm Bureau

$1,355

--

Travelers

$1,416

861

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

16

Southern Farm Bureau

$3,176

18

USAA

$2,557

21

USAA

$1,305

25

USAA

$1,114

30

USAA

$1,010

35

USAA

$966

45

USAA

$910

55

USAA

$866

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

GEICO

Southern Farm Bureau

Travelers

At-fault Accident

$1,424

$1,268

$1,946

$1,776

$2,027

DUI

$1,932

$1,184

$1,456

$1,645

$2,233

Driving with a suspended license

$1,883

$1,184

$2,129

$1,645

$3,179

Driving with an open container

$1,469

$1,184

$1,456

$1,645

$1,932

Driving with expired registration

$1,211

$1,184

$1,434

$1,497

$1,932

Driving without Lights

$1,211

$1,184

$1,472

$1,497

$1,932

Failure to show documents

$1,211

$1,184

$1,434

$1,497

$1,932

Failure to stop at a red light

$1,211

$1,184

$1,472

$1,497

$1,932

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

$1,882

Southern Farm Bureau

$2,512

Farmers

$2,537

Nationwide

$2,565

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: $1,994

  • Fayetteville $1,682

  • Fort Smith: $1,664

  • Springdale: $1,675

  • Jonesboro: $1,636

  • Rogers: $1,616

  • North Little Rock: $1,929

  • Conway: $1,709

  • Bentonville: $1,628

  • Pine Bluff: $2,039

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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

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.

Methodology

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: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • 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.