Cheap Arkansas Car Insurance

Find affordable auto insurance that works for you in Arkansas. Compare quotes from over 100 top companies.

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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. Read on to learn how much auto insurance costs in Arkansas based on the most common insurance rating variables, or submit your ZIP code above to receive affordable customized quotes from top insurers in your state.


Affordable insurance companies in Arkansas

What's the cheapest car insurance in Arkansas?
Rank Company Name Avg. Annual Premium
1 Travelers $1,115
2 USAA $1,154
3 Safeco $1,291
4 State Farm $1,362
5 Southern Farm Bureau $1,384
6 Auto-Owners $1,491
7 State Auto $1,535
8 Shelter $1,612
9 Progressive $1,804
10 Allstate $3,132

See quotes from dozens of insurance carriers that provide coverage throughout Arkansas. Enter your ZIP code below to get started.

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Cheap auto 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 $352 19.48%
No Accidents $686 32.05%
Good Credit $1,215 45.50%


Cheap auto 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.

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


Cheap auto 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 Factor Annual Rate % Increase
At-Fault Accident $2,142 32.05%
DUI $2,009 27.53%
Speeding Violation $1,808 19.48%
Bad Credit $2,671 45.50%

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Top rated 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.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Allstate Average Average Superior 4.3 / 5
Auto-Owners N/A N/A Superior N/A
GEICO Average Average Superior 4.4 / 5
Liberty Mutual Average Above average Good 4.2 / 5
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3 / 5
Southern Farm Bureau N/A N/A Superior N/A
State Farm Above average Above average Superior 4.5 / 5
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 5


Arkansas auto insurance laws

In Arkansas, drivers are required to carry liability insurance at the below minimum levels:

  • 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

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.

Interested in learning more about Arkansas car insurance laws? Read our complete guide to AR insurance regulations.

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How tickets change insurance rates in Arkansas

If you get a ticket, your auto insurance costs will probably rise. How much your rates rise depends on the specific citation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a snapshot of average car insurance rates in Arkansas after a few common violations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,285 53% $788
Refused Breathalyzer/Chemical Test $2,148 44% $652
DUI $2,148 44% $652
Racing $2,276 52% $780
Reckless Driving $2,070 38% $574
Driving with a Suspended License $2,266 51% $770
At-Fault Accident $2,148 44% $652
Driving with an Open Container $2,043 37% $547
Operating a Vehicle Without Permission $1,847 23% $350
Passing a School Bus $1,967 31% $471
Improper Passing $1,921 28% $425
Following Too Closely $1,923 29% $427
Speeding $1,873 25% $377
Failure to Stop at a Red Light $1,842 23% $346
Illegal Turn $1,924 29% $428
Driving Wrong Way/Wrong Lane $1,921 28% $425
Failure to Yield $1,842 23% $346
Speeding in a School Zone $1,811 21% $315
Driving Too Slowly $1,810 21% $314
Distracted Driving $1,829 22% $333
Driving with Expired Registration $1,496 0% $0
Failure to Show Documents $1,496 0% $0
Not-at-Fault Accident $1,496 0% $0
Failure to Use Child Safety Restraint $1,496 0% $0
Failure to Wear a Seat Belt $1,496 0% $0
Driving Without Lights $1,496 0% $0


Arkansas car insurance FAQs

Who has the cheapest car insurance in Arkansas?

Travelers has the cheapest rates in Arkansas according to our user profile. However, the only way to know which company is best for you is to shop around. Use our insurance calculator to compare rates in Arkansas.

How much is car insurance in Arkansas?

For a single male driver with $500 deductibles, the average premium in Arkansas is $736 for a six-month policy.

Is it illegal to drive without insurance in Arkansas?

It is illegal to drive your vehicle without insurance in Arkansas. The Zebra can give you free and cheap quotes for liability and full coverage insurance.

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 Bentonville, Arkansas, and the most expensive in Pine Bluff, Arkansas.

Rank City Avg. Annual Premium
1 Pine Bluff $1,947
2 Little Rock $1,946
3 North Little Rock $1,868
4 Hot Springs $1,777
5 Jonesboro $1,657
6 Conway $1,653
7 Fayetteville $1,583
8 Fort Smith $1,576
9 Rogers $1,551
10 Bentonville $1,536



Will homeowners insurance cover my riding lawn mower that caught on fire?

Yes, you can file a claim with your homeowners insurance but I would see if your lawnmower's warranty is still valid before you look into a claim. If you do decide to file a claim, it would be covered under personal property.
Jul 24, 2019 Wynne, AR

What can I do if a ticket is listed on my driving record but I was never issued a ticket?

Your best bet would be to request a copy of your driving record from the DMV and see what is listed. If you see something that is not supposed to be on there you may be able to dispute the ticket with the courts.
Nov 22, 2016 North Little Rock, AR

Does a criminal record affect your insurance?

A non-driving felony conviction most likely won't affect your rate, but it could make you ineligible for a policy with certain companies. Since you are already aware of the incident, you will want to disclose this when you call a company for a quote so they can let you know up front if that will create an issue.
Jul 13, 2016 Little Rock, AR

I have liability and uninsured motorist coverage. Can I file a claim on a hit and run accident?

Yes, your uninsured motorist coverage would include coverage for UMPD (uninsured motorist property damage). Your deductible typically applies.
Nov 20, 2019 Little Rock, AR

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.