Best & Cheapest Car Insurance Quotes in Arkansas (2026)
Shelter has the cheapest car insurance in Arkansas, at $165 per month for full coverage.
Find Cheap Car Insurance Quotes in Arkansas
Best cheap auto insurance in AR
Shelter and State Farm are the cheapest car insurance companies in Arkansas for most people.
- Want full coverage? Shelter: $165/mo
- Only need minimum coverage? State Farm: $47/mo
- Want the best customer service? Shelter: $165/mo
- Have a speeding ticket? State Farm: $178/mo
- Caused an accident? State Farm: $167/mo
- Need coverage for a teen? Alfa: $125/mo
- Got a DUI? Farm Bureau: $233/mo
- Have poor credit? Alfa: $241/mo
Monthly rates are for full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance in Arkansas: Shelter and USAA
Shelter, State Farm and USAA have the cheapest full coverage car insurance in Arkansas.
- Shelter has the cheapest full coverage car insurance for most people, at $165 per month. Shelter also has great customer service, making it an excellent choice for most Arkansas drivers.
- State Farm also has very affordable full coverage, at $167 per month. Every insurance company calculates rates differently, so State Farm could end up being the cheapest option for some people.
- USAA has even cheaper rates for people with military ties, at around $112 per month for full coverage.
Find Cheap Car Insurance Quotes in Arkansas
Cheap full coverage insurance in Arkansas
Company | Monthly rate |
|---|---|
| Shelter | $165 |
| State Farm | $167 |
| Farm Bureau | $196 |
| Auto-Owners | $238 |
| USAA* | $112 |
*USAA is only available to current and former military members and their families.
Data-powered research on Arkansas car insurance
Cheapest liability insurance in Arkansas: State Farm
- State Farm is the cheapest company for minimum liability car insurance in Arkansas, at an average of $47 per month. That's a savings of 25% compared to the state average.
- USAA also has cheap liability coverage in Arkansas. But only veterans, current members of the military, spouses or children of USAA members and employees of certain federal agencies can get USAA insurance.
Best cheap liability insurance in Arkansas
Company | Monthly rate |
|---|---|
| State Farm | $47 |
| Auto-Owners | $51 |
| Farm Bureau | $52 |
| Alfa | $55 |
| USAA* | $109 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Arkansas
Average cost of car insurance in Arkansas by city
- Shelter has the cheapest full coverage insurance in 60% of cities and towns across Arkansas, including Little Rock. State Farm has the cheapest rates in 39% of Arkansas cities, which includes Fayetteville. Farm Bureau is the most affordable option in the remaining 1% of towns.
- Siloam Springs, a small city near the Oklahoma border, has the cheapest car insurance in Arkansas. Drivers in Siloam Springs pay an average of $198 per month for full coverage car insurance.
- The most expensive quotes are in West Helena, which is about an hour and a half southwest of Memphis, where the average cost of full coverage is $268 per month.
Find Cheap Car Insurance Quotes in Arkansas
Full coverage Arkansas car insurance rates by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Little Rock | $247 | Shelter | $187 |
| Fayetteville | $207 | State Farm | $152 |
| Fort Smith | $206 | State Farm | $150 |
| Springdale | $205 | State Farm | $152 |
| Jonesboro | $221 | State Farm | $168 |
| Rogers | $203 | State Farm | $149 |
| Conway | $214 | Shelter | $163 |
| North Little Rock | $236 | Shelter | $174 |
| Bentonville | $200 | State Farm | $144 |
| Pine Bluff | $248 | Shelter | $188 |
| Hot Springs | $232 | State Farm | $179 |
| Benton | $230 | State Farm | $166 |
| Sherwood | $230 | Shelter | $167 |
| Bella Vista | $201 | State Farm | $145 |
| Paragould | $215 | State Farm | $163 |
| Russellville | $208 | Shelter | $146 |
| Texarkana | $242 | State Farm | $180 |
| Jacksonville | $228 | Shelter | $168 |
| Cabot | $229 | Shelter | $173 |
| Van Buren | $212 | State Farm | $154 |
| Centerton | $199 | State Farm | $142 |
| West Memphis | $242 | State Farm | $181 |
| Searcy | $219 | State Farm | $165 |
| Bryant | $232 | State Farm | $176 |
| Adona | $218 | Shelter | $146 |
| Alexander | $231 | State Farm | $175 |
| Alicia | $215 | State Farm | $161 |
| Alix | $205 | Shelter | $146 |
| Alleene | $236 | Shelter | $163 |
| Alma | $213 | State Farm | $156 |
| Almyra | $219 | State Farm | $161 |
| Alpena | $211 | Shelter | $146 |
| Alpine | $228 | Shelter | $163 |
| Altheimer | $242 | Shelter | $179 |
| Altus | $206 | Shelter | $146 |
| Amagon | $220 | State Farm | $161 |
| Amity | $233 | Shelter | $163 |
| Antoine | $231 | Shelter | $163 |
| Arkadelphia | $220 | Shelter | $163 |
| Arkansas City | $250 | Shelter | $171 |
| Armorel | $228 | State Farm | $171 |
| Ash Flat | $232 | Shelter | $158 |
| Ashdown | $227 | Shelter | $163 |
| Atkins | $209 | Shelter | $146 |
| Aubrey | $252 | Shelter | $180 |
| Augusta | $223 | Shelter | $154 |
| Austin | $222 | State Farm | $167 |
| Avoca | $208 | Shelter | $159 |
| Bald Knob | $223 | State Farm | $159 |
| Banks | $242 | Shelter | $163 |
| Barling | $204 | State Farm | $151 |
| Barton | $264 | Shelter | $203 |
Best car insurance in Arkansas: Shelter
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Full coverage rate$165/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Customer serviceBestCustomer service rating is based on J.D. Power's customer satisfaction survey.
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AM Best ratingAAn A financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the third-highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Arkansas based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Arkansas
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheap car insurance rates in Arkansas after a speeding ticket: State Farm
State Farm is the cheapest company after a speeding ticket in Arkansas, at an average of $178 per month for full coverage. That's a savings of 36% compared to the state average.
Cheapest Arkansas auto insurance after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $178 |
| Shelter | $196 |
| Farm Bureau | $211 |
| Auto-Owners | $238 |
| USAA* | $134 |
*USAA is only available to current and former military members and their families.
Arkansas drivers with one speeding ticket pay 23% more for full coverage insurance than those with clean records. That's an average increase of $52 per month for full coverage.
Speeding is the most common traffic violation in Arkansas, making up about 31% of all traffic convictions across the state. If you're caught speeding, it's even more important to shop around for quotes from multiple companies to find the cheapest policy for you.
Cheapest insurance in Arkansas after an accident: State Farm
State Farm is the cheapest for full coverage insurance after an accident in Arkansas, at $167 per month for full coverage. That's a savings of around 48% compared to the state average. It's also $49 per month less than the second-cheapest company, Shelter.
Most affordable car insurance in Arkansas with an accident
Company | Monthly rate |
|---|---|
| State Farm | $167 |
| Shelter | $216 |
| Farm Bureau | $251 |
| Auto-Owners | $336 |
| USAA* | $158 |
*USAA is primarily only available to current and former military members.
In Arkansas, car insurance rates go up by an average of 44% after one at-fault accident. Insurance companies may raise rates after you cause an accident because they believe you're more likely to be in future accidents.
If you've caused a crash recently, don't rush to switch insurance companies right away.
Your current company typically won't raise your rates until your policy renews. You should wait to compare quotes until a few weeks before your current coverage ends, then switch at the end of your policy term.
Cheapest car insurance for Arkansas teens: Alfa and Farm Bureau
- Alfa has the cheapest liability-only car insurance for Arkansas teens. A minimum liability policy from Alfa costs an average of $99 per month for an 18-year-old. That's 53% less than the Arkansas state average.
- Farm Bureau has the most affordable full coverage car insurance for young drivers. Full coverage from Farm Bureau costs around $349 per month, which is 43% less than the state average.
Cheapest insurance in Arkansas for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| Alfa | $99 | $374 |
| Farm Bureau | $125 | $349 |
| Shelter | $158 | $422 |
| State Farm | $162 | $489 |
| USAA* | $81 | $275 |
*USAA is primarily only available to current and former military members.
If you or one of your parents is a veteran or current military member, you should get a quote from USAA, which tends to have even cheaper rates.
Auto insurance savings hacks for Arkansas teens
- The best way for Arkansas teens to find cheap car insurance is to share a policy with their parents.
- You can also earn a big discount by getting good grades in school. Most insurance companies offer a good student discount if you have a "B" average or higher. These discounts can save you as much as 20% on your car insurance bill.
- Teens can also save a lot just by shopping around for the best rate. In our experience reviewing more than 207,000 quotes across the state, if you need full coverage insurance, there's a difference of $771 per month between the most and least expensive companies in Arkansas. That's the same as the average monthly loan payment on a brand-new car.
Best car insurance for teens with a ticket or accident in AR: Alfa
- Speeding ticket: Alfa is the cheapest for teens with a speeding ticket in Arkansas, at $125 per month for a minimum liability policy. That's about a 50% savings compared to the state average.
- Accident: Alfa is also the cheapest company for teens after an at-fault accident. Alfa charges young drivers around $134 per month for liability insurance after an accident, which is a savings of 54%.
Cheapest quotes for teens after a speeding ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Alfa | $125 | $134 |
| Farm Bureau | $139 | $168 |
| State Farm | $176 | $162 |
| Auto-Owners | $186 | $297 |
| USAA* | $118 | $141 |
*USAA is only available to current and former military members and their families.
Arkansas teens could see their rates go up by about 19% after a speeding ticket and 37% after an accident. But rates vary depending on your age, where you live, the car you drive and other factors. So you may see a higher increase than the state average.
Shopping around for the cheapest quotes is even more important for teens with bad driving records.
In Arkansas, there's a difference of $509 per month between the cheapest company after an accident, Alfa, and the most expensive, Allstate. This means you could save a lot of money just by switching companies.
Cheap auto insurance in Arkansas after a DUI: Farm Bureau
Farm Bureau is the cheapest for drivers with a DUI in Arkansas, at an average of $233 per month for full coverage insurance. That's a savings of around 33% compared to the state average.
Best car insurance for a DUI in AR
Company | Monthly rate |
|---|---|
| Farm Bureau | $233 |
| Shelter | $250 |
| Progressive | $334 |
| Alfa | $350 |
| USAA* | $216 |
*USAA is only available to current and former military members and their families.
A DUI or DWI is one of the most serious driving tickets. It raises rates by an average of 54% in Arkansas.
Comparing rates can help drivers with a DUI find more affordable quotes. But driving responsibly for a while is the only way to get your rates back to where they were before.
Cheapest car insurance for drivers with poor credit in AR: Alfa
Alfa is the cheapest for people with bad credit in Arkansas, at an average of $241 per month for full coverage. That's a savings of 46% compared to the state average. It's also $77 per month less than the second-cheapest company, Shelter.
Best car insurance in Arkansas with poor credit
Company | Monthly rate |
|---|---|
| Alfa | $241 |
| Shelter | $318 |
| Farm Bureau | $347 |
| Geico | $378 |
| USAA* | $199 |
*USAA is only available to current and former military members and their families.
Arkansas drivers with bad credit pay nearly twice as much for car insurance as those with good credit scores. Insurance companies use credit scores to help calculate rates because they believe drivers with poor credit are more likely to file insurance claims.
Tips for saving money on car insurance if you have bad credit
- Drivers with poor credit can save money on car insurance by bundling their home and auto insurance and shopping around for discounts.
- If you're a good driver with a poor credit score, you should consider signing up for a safe driving program. You may save a lot of money by allowing your insurance company to track your driving and by practicing safe habits.
Is your car insurance company raising rates in Arkansas in 2026?
A few insurance companies have raised car insurance rates in Arkansas in 2026. But many more have actually lowered their rates across the state.
- ↑ Biggest increase: American Family at +4.2%
- ↓ Biggest decrease: Farm Bureau at -6.8%
Company | 2026 rate change | 5-year rate change |
|---|---|---|
| Farm Bureau | ↓ 6.8% | ↑ 44.3% |
| Progressive | ↓ 6.1% | ↑ 7.5% |
| Alfa | ↓ 3.5% | ↑ 10.4% |
| Shelter | ↓ 3.4% | ↑ 24.2% |
| Travelers | ↓ 2.9% | ↑ 40.4% |
| Allstate | ↓ 1.7% | ↑ 34.2% |
| Geico | ↓ 0.9% | ↑ 29.0% |
| Liberty Mutual | ↓ 0.3% | ↑ 35.3% |
| State Farm | 0.0% | ↑ 22.9% |
| USAA | 0.0% | ↑ 15.8% |
| AAA | 0.0% | ↑ 26.7% |
| Farmers | ↑ 1.0% | ↑ 39.1% |
| American Family | ↑ 4.2% | ↑ 41.3% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
How much car insurance do I need in Arkansas?
Arkansas drivers must have a minimum amount of liability car insurance to pay for damage and injuries if they cause an accident. This is sometimes written as 25/50/25.
- Bodily injury (BI) liability: $25,000 per person and $50,000 per accident
- Property damage (PD) liability: $25,000 per accident
Valid proof of insurance is required to own and operate a car in Arkansas. Not complying can result in serious penalties, including fines of $1,000 or more and possible jail time.
First offense
- Fines: $50 to $250, unless proof of insurance is presented within 30 days
- Driving privileges: Registration suspension; possible vehicle impoundment
- Reinstatement requirements: Proof of insurance; $100 reinstatement fee; towing and storage fees if impounded
Second offense
- Fines: Mandatory $250–$500
- Driving privileges: Registration suspension; possible vehicle impoundment
- Reinstatement requirements: Proof of insurance; $100 reinstatement fee; towing and storage fees if impounded
Third and subsequent offenses
- Fines: Mandatory $500–$1,000
- Imprisonment: One year in jail or a combination of a fine and jail time
- Driving privileges: Registration suspension; possible vehicle impoundment
- Reinstatement requirements: Proof of insurance; $100 reinstatement fee; towing and storage fees if impounded
What's the best car insurance coverage for Arkansas drivers?
Most Arkansas drivers should consider full coverage insurance.
Full coverage typically includes higher liability limits than the state requirement. It also includes comprehensive and collision insurance.
- Collision coverage pays to fix or replace your car if you're in a crash, regardless of whose fault it is.
-
Comprehensive coverage pays for damage to your car that’s outside of your control, such as hail damage or an accident with a deer.
Comprehensive coverage is also the only way to protect your car from storm damage, such as flooding or hail.
With a minimum liability policy, your insurance won't pay to fix or replace your car if you get into an accident. And a minimum coverage policy might not have enough protection to cover the cost of a major crash. So you could end up with a big bill if you cause serious damage or injuries.
If you drive an older car, you could consider dropping collision and comprehensive coverage while keeping higher liability limits. It may not be worth the extra cost of these coverages if your car is more than 8 years old or worth less than $5,000.
Frequently asked questions
Who has the cheapest car insurance in Arkansas?
Shelter has the cheapest full coverage car insurance quotes in Arkansas in 2026. At around $165 per month, a policy from Shelter is $60 per month less than the statewide average.
State Farm offers the cheapest liability-only coverage in the state, at an average of $47 per month.
How much is car insurance in Arkansas per month?
Full coverage car insurance costs an average of $225 per month in Arkansas. That's 8% more expensive than the national average. Minimum liability coverage costs $63 per month, on average.
How much is car insurance in Little Rock, Arkansas?
Drivers in Arkansas' largest city, Little Rock, pay around $247 per month for full coverage car insurance. That's 10% more than the Arkansas state average and $40 more than the second-largest city, Fayetteville, where full coverage costs around $207 per month.
Methodology
To find the best cheap Arkansas automobile insurance, ValuePenguin collected thousands of rates from ZIP codes across Arkansas. Rates are for a 30-year-old man with a clean driving record and good credit who drives a 2018 Honda Civic EX.
Quotes are for a full coverage policy with higher liability limits than required in Arkansas, plus comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Personal injury protection: $10,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
To determine rate changes by company, ValuePenguin analyzed publicly available rate filing data from the Arkansas Insurance Department. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often segment customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
