Temporary Auto Insurance in Arkansas

If you're seeking flexibility, you might be interested in a temporary auto insurance policy. Truth is, short-term car insurance contracts are uncommon for several reasons.

First, major insurers will not offer policies shorter than six months. Since car insurance is required by law in every state but one, it can be risky to jump between policies. Additionally, you risk having gaps in your record by swapping policies frequently, resulting in more expensive prices in the long run.

Good news: car insurance agreements commonly run for just six months. This short policy period allows auto insurance companies to “re-rate” — or re-price — your premium using your present driving history and personal profile.

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The end of a policy period also provides the perfect opportunity for you to reassess your situation by considering other insurers. Getting prices online is easy and free, and there isn't a penalty for switching insurance companies between policy terms — or even mid-policy, as long as your coverage doesn't lapse.

The short-term nature of auto insurance makes it relatively easy to purchase with limited advance notice. If you're in need of an insurance policy to drive your new vehicle off the lot, looking for a policy for a relatively long-term car rental, or seeking coverage for a car you don't own but drive regularly, think about purchasing a policy and cutting the term short as needed.

Temporary auto insurance in Arkansas

Below are typical auto insurance prices for drivers in Arkansas, ordered by major insurers and major cities. If you’re paying substantially more than the rates listed below, think about shopping around.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Arkansas State Average — All Companies$729$122
State Farm$635$106

The most affordable option for temporary auto insurance in Arkansas is Allstate, which can save you $-37 per month, compared to the second-cheapest option, GEICO. In Arkansas, the average monthly cost of auto insurance is $122, or $729 over a six-month period.

The place in which you drive has just as large an influence on your insurance rates as the insurance company you choose. Auto insurers take into account the frequency of claims in a given area when drafting prices by ZIP. Check out insurance prices in major Arkansas cities and compare against what you pay.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Little Rock$759$127
Fort Smith$645$108

If your rates exceed those listed above, take some time to compare rates. The temporary timetable of a car insurance policy adds to the importance of remaining informed and ready to shop.

Find out more about temporary car insurance or use our search function to compare rates today.

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Additional resources

Learn more about weekend-only car insurance.

Is it possible to get car insurance with no credit history?

Find cheap auto insurance for new drivers.

Check out the best car insurance options for teen drivers.

Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.