Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

Author profile picture

Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

If you are seeking a creative approach to car insurance, you could consider a short-term auto insurance policy. Truth is, short-term car insurance is rare for a few reasons.

Some many insurers do not draw up contract terms for fewer than six months. Since car insurance coverage is mandated by law in most states, swapping policies by the month can be risky. You also risk having gaps in your insurance history by changing policies frequently, which could lead to higher rates down the road.

There's some good news: car insurance policy terms typically run for only six months. This hasty turnaround allows car insurance companies to “re-rate” — or re-price — your costs with your updated driving record and personal info.

The six-month mark also serves as the perfect opportunity to assess your insurance and shopping other car insurance companies. Finding quotes on the Internet is free, and there is no penalty for trading insurance companies between policy terms — or even in the middle of your policy period, as long as your coverage doesn't lapse.

The flexible nature of car insurance makes it relatively simple to acquire on short notice. If you need a policy to drive your new vehicle off of the lot, looking for insurance for a relatively long-term auto rental or searching for coverage on a car you don't own but regularly drive, think about purchasing a six-month policy and cutting the term short as needed.

Start saving today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Short-term auto insurance in Arkansas

See below normal auto insurance costs in Arkansas, ordered by major underwriters and major cities. If your bills exceed the rates below, think about shopping around.

Insurance Company Average 6-Month Rate Average Monthly Rate
Arkansas State Average — All Companies $849 $141
USAA $577 $96
State Farm $681 $114
Southern Farm Bureau $692 $115
State Auto $768 $128
Automobile Club of Missouri $781 $130

The cheapest option for temporary car insurance in Arkansas is USAA, which can save you $17 per month, compared to the second-cheapest option, State Farm. In Arkansas, the average monthly cost of auto insurance is $141, or $849 over a six-month term.

Where you live can have just as large an effect on your auto insurance premiums as the car insurer you choose. Auto insurers take into account the number of local insurance claims when rating policies by ZIP code. Check out insurance prices in Arkansas's most populous cities and compare them to the amount you’re paying.

Location Average 6-Month Rate Average Monthly Rate
Little Rock $973 $162
Fort Smith $788 $131
Fayetteville $792 $132
Springdale $1,007 $128
Jonesboro $829 $138

Because so many factors are involved in setting insurance rates, your quotes may not match the totals displayed above. If your current costs don’t align with those listed above, take some time to compare rates. The short-term nature of a car insurance policy adds to the importance of staying informed and willing to shop.

Learn more about temporary auto insurance or use The Zebra to compare policies for free online.


Additional resources

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 editorial 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.