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?
RankCompany NameAvg. Annual Premium
1Travelers$1,115
2USAA$1,154
3Safeco$1,291
4State Farm$1,362
5Southern Farm Bureau$1,384
6Auto-Owners$1,491
7State Auto$1,535
8Shelter$1,612
9Progressive$1,804
10Allstate$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$35219.48%
No Accidents$68632.05%
Good Credit$1,21545.50%

 

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.

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

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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)

AllstateAbove averageAverageSuperior4.3 / 5
Auto-OwnersExcellentAbove averageSuperiorN/A
GEICOAverageAverageSuperior4.4 / 5
Liberty MutualBelow averageAbove averageGood4.2 / 5
NationwideAbove averagePoorSuperior4.3 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
Southern Farm BureauN/AN/ASuperiorN/A
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,28553%$788
Refused Breathalyzer/Chemical Test$2,14844%$652
DUI$2,14844%$652
Racing$2,27652%$780
Reckless Driving$2,07038%$574
Driving with a Suspended License$2,26651%$770
At-Fault Accident$2,14844%$652
Driving with an Open Container$2,04337%$547
Operating a Vehicle Without Permission$1,84723%$350
Passing a School Bus$1,96731%$471
Improper Passing$1,92128%$425
Following Too Closely$1,92329%$427
Speeding$1,87325%$377
Failure to Stop at a Red Light$1,84223%$346
Illegal Turn$1,92429%$428
Driving Wrong Way/Wrong Lane$1,92128%$425
Failure to Yield$1,84223%$346
Speeding in a School Zone$1,81121%$315
Driving Too Slowly$1,81021%$314
Distracted Driving$1,82922%$333
Driving with Expired Registration$1,4960%$0
Failure to Show Documents$1,4960%$0
Not-at-Fault Accident$1,4960%$0
Failure to Use Child Safety Restraint$1,4960%$0
Failure to Wear a Seat Belt$1,4960%$0
Driving Without Lights$1,4960%$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.

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

 

Recent Questions:
Ross Martin
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As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.