Car Insurance for Good Drivers in Arkansas

The Zebra
July 15, 2019

Auto insurance for good drivers in Arkansas

Some of the factors contributing to car insurance rates are out of your control: your age, the city or state in which you reside, and your gender are common rating factors over which you don’t have much of a say. But there are a few factors you can control if you're looking for lower rates.

If you’re seeking more affordable insurance, try to keep your driving record cleaen, your credit score high, and your monthly mileage low. Car insurance companies are willing to provide price breaks to customers who present relatively little risk, so exhibiting low-risk driving and lifestyle behaviors can lead to a price cut.

See below example rates from top companies for low-risk customers in Arkansas.

Auto insurance rates for drivers with no citations in Arkansas

One of the best ways to ensure you pay less for car insurance is to maintain a good driving record. Auto insurance companies view safe drivers as less risky customers, in turn charging them lower premiums. Staying on the good side of the law is a great way to cut your costs.

If you’ve steered clear of violations in recent years, start your insurance search with USAA, offering an average annual premium of $927. That sums to $569less than the average car insurance rate for drivers without driving violations in Arkansas.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN ARKANSAS
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$927
State Farm$1,349
Automobile Club of Missouri$1,402
Southern Farm Bureau$1,441
Shelter$1,454
Progressive$1,498
State Auto$1,547
Cameron Mutual Group$1,696

Auto insurance rates for drivers with above-average credit scores in Arkansas

Car insurance companies reward drivers who have above-average credit. If your credit score sits in the good, very good, or excellent tiers, you could receive a price cut on your auto insurance premium.

If your credit score sits within the "good" tier, your best option for car insurance might be USAA, offering average rates of $927. If your credit score is even better (in the "excellent" range), USAA could be a good company with which to start your search. USAA's prices for clients with credit scores of 800 or better are $466 per year less than the average car insurance rate for drivers with excellent credit in Arkansas.

Find below a breakdown of auto insurance rates in Arkansas for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN ARKANSAS
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$927
State Farm$1,349
Automobile Club of Missouri$1,402
Southern Farm Bureau$1,441
Shelter$1,454
Progressive$1,498
State Auto$1,547
Cameron Mutual Group$1,696

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN ARKANSAS
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$844
State Farm$1,198
Automobile Club of Missouri$1,282
Progressive$1,309
Southern Farm Bureau$1,362
Cameron Mutual Group$1,432
Shelter$1,454
State Auto$1,547

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN ARKANSAS
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$794
State Farm$1,066
Automobile Club of Missouri$1,103
Progressive$1,122
Cameron Mutual Group$1,244
Southern Farm Bureau$1,304
Shelter$1,379
Hanover$1,539

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Car insurance for low-mileage drivers in Arkansas

The less you drive, the less likely you are to be involved in a collision or file a claim. That’s the logic auto insurance companies rely on when assigning lower rates to drivers who use their cars infrequently. If you drive less than 7,500 miles per year, you could receive a car insurance price cut. By how much you can cut your premiums by driving less often comes down to your insurance company's pricing practices.

If you're an Arkansas driver who drives only infrequently, consider USAA, offering average annual savings of $691 for low-mileage clients.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN ARKANSAS
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$805
State Farm$1,223
Shelter$1,328
Automobile Club of Missouri$1,402
Southern Farm Bureau$1,441
Progressive$1,498
State Auto$1,547
Cameron Mutual Group$1,664

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Rates for good drivers in Arkansas — in major cities

Auto insurance rates don't depend only on the state in which a driver resides — their city matters, too. Auto insurance companies price policies by the driver’s home ZIP code, adjusting rates for the risk presented by specific locations.

Find below a breakdown of auto insurance rates for drivers with positive rating factors in the biggest cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Fayetteville$1,425$1,425$1,270$1,161$1,673
Fort Smith$1,488$1,488$1,329$1,219$1,788
Jonesboro$1,592$1,592$1,420$1,299$1,891
North Little Rock$1,662$1,662$1,482$1,357$1,959
Little Rock$1,726$1,726$1,538$1,408$2,016

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