Cheap Arkansas Car Insurance

Compare the best rates from 17 car insurance companies in Arkansas.

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Here's what you need to know when driving in Arkansas

Across the Natural State, there are 204,051 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

 


 

Cheap Car Insurance in Arkansas

What's the cheapest car insurance in Arkansas?
RankCompany NameAvg. Annual Premium
1USAA$1,001
2Auto Club$1,025
3Travelers$1,115
4Southern Farm Bureau$1,201
5State Farm$1,236
6Columbia Insurance$1,285
7Safeco$1,291
8Farmers$1,316
9Cameron Mutual$1,342
10State Auto$1,363
11Auto-Owners$1,401
12Shelter$1,506
13Progressive$1,594
14GEICO$1,852
15Nationwide$2,113
16Liberty Mutual$2,164
17MetLife$2,417
18ALFA$2,555
19Allstate$2,591
20Home State$2,638
21Sentry$2,664
22Hanover$2,989
23InsureMax$3,520
24United Automobile$3,631
25Dairyland$4,866

Cheap Insurance for Good Drivers in Arkansas

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Arkansas drivers without a recent ticket save 19% on their car insurance, on average — slightly more than the nationwide average. In addition to earning a more affordable premium for staying incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$35219.48%
No Accidents$68632.05%
Good Credit$1,21545.50%

 

Cheap Insurance for Young Drivers in Arkansas

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Arkansas, the typical teen driver pays $4,909 annually — approximately equal to the national average for teens, but about three times as much as the average driver in Arkansas.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$4,437$7,227
17$4,206$6,492
18$4,026$5,723
19$3,692$3,473

 

Cheap Car Insurance for Bad Drivers in Arkansas

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will inflate your rates: car insurance premiums typically increase by 27% after a DUI, 32% after an at-fault accident, and 19% after a speeding ticket in Arkansas. These post-incident rate hikes roughly align with national averages. If you have a sparkling clean driving history, be sure to inquire about your insurer's safe driver discount.

Rating FactorAnnual Rate% Increase
At-Fault Accident$2,14232.05%
DUI$2,00927.53%
Speeding Violation$1,80819.48%
Bad Credit$2,67145.50%

 


 

What are the Best Car Insurance Companies in Arkansas?

Every auto insurer boasts about its low prices. But just like with any product, the cheapest auto insurance isn't always the best choice. Considering the financial stakes, it's worth doing the due diligence to discover an insurance policy that covers your car adequately after an incident. Be patient and look for a great value, rather than settling for the cheapest auto insurance you find.

Compare popular car insurance companies' financial strength and claims satisfaction levels to better understand the level of service you can expect. Claims satisfaction — assigned by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and running from "Superior" to "Poor" — determines an insurer's financial stability and ability to meet its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allstate3Superior
Auto-Owners5Superior
Cameron MutualNot RatedGood
Columbia InsuranceNot RatedExcellent
GEICO3Superior
Liberty Mutual3Excellent
MetLife3Superior
Nationwide4Superior
Progressive3Superior
Southern Farm BureauNot RatedSuperior
State AutoNot RatedExcellent
State Farm3Superior
Travelers3Superior
United AutomobileNot RatedWeak
USAA5Superior

What is the Best Car Insurance Coverage in Arkansas?

The legal auto insurance minimum in Arkansas is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

If you select the legal minimum coverage in Arkansas, you can expect to pay an average of $616 annually. This cost is less than the national average by 6%. If you choose better coverage, you can purchase a policy with comprehensive and collision coverage, protecting against damages caused by car collisions, theft, or weather incidents. But better coverage comes at a cost: in Arkansas, a comprehensive insurance policy with a $1,000 deductible costs $1,304, 112% more than basic insurance coverage. For a comprehensive policy with a $500 deductible, you can expect to pay 139% more than you would for a basic policy.

Compare typical rates for basic, better, and best coverage levels below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Arkansas$616.32$1,303.67$1,473.45
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws in Arkansas

In Arkansas, the state minimum coverage requirement is liability with limits of:
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident
Optional coverage in Arkansas (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Personal Injury Protection (PIP)
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

Liability coverage is legally required in Arkansas and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Arkansas, the minimum is listed as 25/50/25 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Arkansas but higher coverage amounts are available with most companies.

Arkansas Car Insurance FAQs

What insurance do I need in Arkansas for a car I own?

Most insurance experts recommend liability limits of 50/100/50 or above. But if you own the vehicle, you only need to carry insurance that meets Arkansas' state minimum coverage levels. Currently, Arkansas only requires coverage of $25,000 per person and $50,000 per accident for bodily injury, and $25,000 in property damage coverage.

Can I buy liability-only insurance coverage in Arkansas?

If you are not leasing or financing your vehicle, you can simply cover the vehicle at Arkansas' state minimum. If your vehicle is damaged in an at-fault accident, you would receive zero compensation.

What is Arkansas' new-insurance transfer period?

This depends on your specific insurance policy. Some companies allow your current coverage to transfer to any newly acquired vehicles for two to four weeks. Call a customer service representative or agent at your current provider to verify.

How much does car insurance cost in Arkansas cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Rogers, Arkansas, and the most expensive in Little Rock, Arkansas.

RankCityAvg. Annual Premium
1Little Rock$1,518
2El Dorado$1,512
3Hot Springs$1,487
4Texarkana$1,477
5Pine Bluff$1,459
6West Memphis$1,448
7North Little Rock$1,443
8Bryant$1,443
9Benton$1,430
10Maumelle$1,424
11Cabot$1,411
12Jacksonville$1,407
13Sherwood$1,405
14Jonesboro$1,396
15Searcy$1,381
16Paragould$1,371
17Conway$1,339
18Russellville$1,329
19Van Buren$1,321
20Fayetteville$1,290
21Fort Smith$1,290
22Springdale$1,288
23Bentonville$1,264
24Bella Vista$1,261
25Rogers$1,256

Driving Laws in Arkansas

Arkansas DUI Laws

Arkansas’s lookback period is five years. Repeated DUIs within these five years are cumulative, so multiple offenses will lead to harsher penalties and fines.

First-time offenders over the age of 21 found to be DUI in Arkansas:

  • Must pay fines ranging from $150 to $1,000
  • Will be jailed for 24 hours to one year
  • Will have their license suspended for six months
  • May be required to install an IID for a period equal to the total length their license has been suspended
  • May be required to undergo a drug/alcohol treatment and education program

 

Arkansas Texting and Driving Laws

  • Ban on hand-held cell phones for drivers 18 - 20 years old
  • Ban on hand-held cell phones while driving in a school zone or in a highway construction zone
  • Ban on all cell phones for school bus drivers and novice drivers <18 years old
  • Ban on text messaging for all drivers

 

When Are You Speeding In Arkansas?

Drivers are speeding in Arkansas when speeds are greater than what is considered “reasonable and prudent” for any existing conditions or hazards (such as inclement weather).

Speed limits in Arkansas are:

  • Up to 75 miles per hour on a controlled-access highway
  • 30 miles per hour in urban districts
  • 50 miles per hour for trucks with a 1.5-ton capacity or higher in other locations
  • 65 miles per hour for other vehicles in other locations
  • 40 miles per hour on county roads
  • 55 miles per hour while towing a manufactured or mobile home
  • 25 miles per hour in school zones

 

Reckless Driving in Arkansas

Driving with a “wanton disregard for the safety of persons or property” is considered reckless driving in Arkansas. In other words, willfully driving in an unsafe and dangerous way means you are driving recklessly and will be subject to strict fines and penalties.

 

What is Considered Distracted Driving in Arkansas?

Drivers are guilty of distracted driving in Arkansas if they are using a wireless device to write, send, or read text-based communications or to access, read, or post to social media. Drivers under 18 years old are prohibited from using a cell phone in any mode, including hands-free, for any reason except an emergency.

Arkansas drivers between 18 and 21 years old may use the hands-free mode of a cell phone, but are prohibited from using any handheld functions except in the case of an emergency. Drivers 21 years old or older talk on a handheld or hands-free device except when driving through a school zone or highway work zone. In these locations, they may only use hands-free functionality.

 

Arkansas Racing Laws

Racing in Arkansas is when one or more vehicles travel at “excessive or dangerous speeds” to:

  • Outgain or outdistance one another
  • Arrive at a destination ahead of other vehicles
  • Test the physical stamina or endurance of drivers over a long-distance course
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Arkansas Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Arkansas area, while also getting an insider view of the Natural State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2018

Notification

Winner(s) will be selected and notified by email by January 31st, 2019

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

Click here to learn more