Cheap Arkansas Car Insurance

Find affordable 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. We’ll get you prepped, then you take the wheel.


Affordable Insurance Premiums in Arkansas

What's the cheapest car insurance in Arkansas?
RankCompany NameAvg. Annual Premium
4State Farm$1,362
5Southern Farm Bureau$1,384
7State Auto$1,535

Compare quotes from over 30 insurance companies that provide coverage throughout Arkansas. Enter your ZIP code below to get started.

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Cheap 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 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


Cheap Car 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%
Speeding Violation$1,80819.48%
Bad Credit$2,67145.50%



Best 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.

Compare popular car insurance companies' financial strength and claims satisfaction levels to better understand the level of service you can expect. Claims satisfaction — assigned by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and running from "Superior" to "Poor" — determines an insurer's financial stability and ability to meet its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Cameron MutualNot RatedGood
Columbia InsuranceNot RatedExcellent
Liberty Mutual3Excellent
Southern Farm BureauNot RatedSuperior
State AutoNot RatedExcellent
State Farm3Superior
United AutomobileNot RatedWeak


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What is the Best Car Insurance Coverage in Arkansas?

The legal auto insurance minimum in Arkansas is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

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.

Compare typical rates for basic, better, and best coverage levels below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
National Average$657.66$1,241.26$1,397.94

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

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

Ticket Impact on Auto 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
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
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

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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
4North Little Rock$1,868
7West Memphis$1,800
9Hot Springs$1,777
12El Dorado$1,696
16Van Buren$1,607
19Fort Smith$1,576
21Bella Vista$1,539
Ross Martin LinkedIn

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, and Kin Insurance.