Edited By Kristine Lee
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.
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 |
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