What's the Average Cost of Auto Insurance in Arkansas?

The Zebra
Feb. 7, 2019

Auto insurance is expensive in Arkansas. The average auto insurance price in Arkansas is $1,458 per year — more than the US average by 2.1%.

Your car insurance prices are affected by more than just geography. Auto insurance premiums price based on myriad factors, including your marital status, driving history, credit rating, gender, and age.

We analyzed average Arkansas car insurance rates by each of the main pricing factors. Read on to see how much car insurance costs in your location — or submit your zip code to view personalized rates from popular car insurers.


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Average Arkansas car insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Prices in Arkansas by Age

It’s a fact of life: as you get older, your auto insurance rates shift. Typically, auto insurance is more expensive for young drivers, as auto insurance companies consider newer motorists as more risky.

In Arkansas, car coverage costs $7,227 per year for a 16-year-old driver, versus $1,287 annually for a driver aged between 50 and 59.


ARKANSAS CAR INSURANCE PRICES BY AGE
AgeAverage Yearly Premium
16$7,226.95
17$6,491.75
18$5,723.47
19$3,472.86
20s$1,969.18
30s$1,421.01
40s$1,362.33
50s$1,287.14
60s$1,287.51
70s$1,533.09

If you're shopping for car insurance for a teen driver, Arkansas is the 35th cheapest state in which to buy auto insurance for a 16-year-old.




Average Auto Insurance Expenditures in Arkansas by Gender

While gender doesn’t have as significant an impact on car insurance rates as state or age, it is used as a rating factor by insurers.


ARKANSAS AUTO INSURANCE PREMIUMS FOR MEN AND WOMEN
GenderAverage Yearly Rate
Male$1,455.71
Female$1,464.66

If you're worried you aren't getting the best value for your money with your current auto insurance company, the best option is to shop around and compare rates.




Average Car Insurance Premiums in Arkansas by Marital Status

One benefit of wedlock — aside from the wedding gifts — is the price cut you often earn on your car insurance policy. In Arkansas, married motorists save $154 annually on car insurance. This is a better deal than the US post-nuptial discount of $76.


ARKANSAS AUTO INSURANCE PRICES BY MARITAL STATUS
Marital StatusAverage Annual Premium
Single$1,455.71
Married$1,301.80
Divorced$1,455.71
Widowed$1,423.50

Car insurance for divorced drivers in Arkansas is the 16th most expensive in the nation. If you are paying too much for your auto insurance policy, do some shopping. You might find a great deal!




Average Auto Insurance Rates in Arkansas by Credit History

Insurers use credit to determine a potential customer's reliability. Trended data show drivers with superior credit are more dependable auto insurance customers: they less commonly file claims that cost auto insurance companies money.

In Arkansas, a driver who carries exceptional credit saves $1,390.75 each year in auto insurance premiums, compared with a driver with a bad credit rating. Learn more about how credit score can affect car insurance rates:


ARKANSAS AUTO INSURANCE PRICES BY CREDIT TIER
Credit TierAverage Annual Premium
Very Poor (300-579)$2,671.16
Fair (580-669)$2,264.42
Good (670-739)$1,857.18
Very Good (740-799)$1,547.69
Exceptional (800-850)$1,280.41

Finding affordable auto insurance with bad credit can be difficult. But we're here to help. Check out our tips on finding car insurance with poor credit and save!




Typical Auto Insurance Costs for High-Risk Drivers in Arkansas

If you’re defined as at fault in a driving incident or found guilty of a driving violation, your insurance rates are going to rise. The more violations you accumulate, the more expensive your car insurance becomes.

In Arkansas, your first minor at-fault crash results in an additional $684.61 each year in car insurance premiums. A DUI — considered among the most serious driving infractions — will grow your yearly insurance rates in Arkansas by as much as $551.21.


ARKANSAS AUTO INSURANCE COSTS AFTER VIOLATIONS
AgeAverage Yearly Rate
DWI/DUI$2,008.79
Reckless Driving$2,076.46
At-Fault Accident (<$1,000)$2,142.19
At-Fault Accident ($1,000-$2,000)$1,979.47
At-Fault Accident (>$2,000)$2,142.19
Open Container$1,931.35
Speeding (21-25 MPH > limit)$1,713.26
Speeding (16-20 MPH > limit)$1,676.28

If your policy is more costly than the state average, think about policy shopping to discover inexpensive coverage that meets state regulations.




Average Car Insurance Prices by Coverage Tier in Arkansas

The sum you are charged each month for auto insurance depends on how much coverage you elect to carry. A liability-only policy usually costs less, while lower-deductible comprehensive coverage costs more. In Arkansas, the price gap between liability-only coverage and full coverage with a $500 deductible is $830.


ARKANSAS AUTO INSURANCE RATES BY COVERAGE LEVEL
Coverage LevelAverage Yearly Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$649
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,301
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,458
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$568
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,220
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,377
State Minimum — Liability Only$501
State Minimum — $1,000 Comprehensive/Collision$1,172
State Minimum — $500 Comprehensive/Collision$1,331

If your policy is more costly than the state average, think about shopping policies to get reasonably priced coverage that suits you.