Best & Cheapest Car Insurance Quotes in Arkansas (2026)
Shelter has the best cheap car insurance in Arkansas for most people. At $165 per month, full coverage from Shelter is $60 per month cheaper than the state average.
Find Cheap Auto Insurance Quotes in Arkansas
Best cheap auto insurance in Arkansas
Best and cheapest car insurance in Arkansas
- Cheapest full coverage: Shelter, $165/mo
- Cheapest minimum liability: State Farm, $47/mo
- Cheapest for young drivers: Alfa, $99/mo
- Cheapest after a ticket: State Farm, $178/mo
- Cheapest after an accident: State Farm, $167/mo
- Cheapest for teens after a ticket: Alfa, $125/mo
- Cheapest after a DUI: Farm Bureau, $233/mo
- Cheapest for poor credit: Alfa, $241/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Shelter, State Farm and Farm Bureau are some of the best car insurance companies in Arkansas. All three have good customer support and cheaper rates than average.
Cheapest car insurance in Arkansas: Shelter
Shelter and USAA have the cheapest full coverage car insurance rates in Arkansas.
Find Cheap Auto Insurance Quotes in Arkansas
- Shelter is the best choice for most Arkansas drivers because it offers a combination of cheap rates and great customer service. At $165 per month, full coverage from Shelter is $60 per month less than the Arkansas average.
- Arkansas drivers with military ties can get even cheaper rates at USAA, which charges around $112 per month for full coverage. Only military members, veterans and their families can buy car insurance from USAA.
Cheap full coverage insurance in Arkansas
Company | Monthly rate | |
|---|---|---|
| Shelter | $165 |
| State Farm | $167 |
| Farm Bureau | $196 |
| Auto-Owners | $238 |
| Alfa | $241 |
*USAA is available only to current and former military members and their families.
Data-powered research on Arkansas car insurance
| Data-powered research on AR car insurance |
|---|
Cheapest liability insurance in Arkansas: State Farm
State Farm has the cheapest liability insurance quotes in Arkansas, at $47 per month.
That's one-quarter less than the Arkansas state average of $63 per month.
Arkansas drivers can also find cheap liability coverage at USAA. But only veterans, members of the military and their families can get USAA insurance.
Best cheap liability insurance in Arkansas
Company | Monthly rate |
|---|---|
| State Farm | $47 |
| Auto-Owners | $51 |
| Farm Bureau | $52 |
| Alfa | $55 |
| Progressive | $56 |
*USAA is available only to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Arkansas
Cheap AR car insurance for 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 less than half the Arkansas state average of $212 per month.
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 $306 per month 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 |
| Auto-Owners | $186 | $638 |
*USAA is only available to current and former military members and their families.
If you or one of your family members is a veteran or current military member, you should get a quote from USAA, which tends to have even cheaper rates.
The best way for Arkansas teens to find cheap car insurance is to share a policy with their parents.
Age is one of several factors insurance companies use when calculating your rates. Your age often has a big impact on rates.
In Arkansas, 18-year-olds pay around three times more for car insurance than drivers in their 30s. However, once you're older and you have more driving experience, the cost of car insurance typically goes down.
Cheap Arkansas car insurance rates after a speeding ticket: State Farm
State Farm is the best insurance company for Arkansas drivers with a speeding ticket. Its full coverage policy costs around $178 per month after one speeding ticket. That's cheaper than the state average by nearly $100 per month.
Cheapest Arkansas auto insurance quotes after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $178 |
| Shelter | $196 |
| Farm Bureau | $211 |
| Auto-Owners | $238 |
| Geico | $319 |
*USAA is available only 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.
Cheap insurance in Arkansas after an accident: State Farm
State Farm is the best company for cheap car insurance after an accident in Arkansas. Full coverage from State Farm costs just $167 per month after your first accident. That's around half the average cost of insurance after an accident in Arkansas, which is $324 per month. 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 |
| Alfa | $374 |
*USAA is only available to current and former military members and their families.
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.
Best for teens with a ticket or accident in AR: Alfa
Alfa has the cheapest rates for young drivers after a ticket or accident.
A liability-only policy from Alfa costs an average of $125 per month for an 18-year-old with one speeding ticket. That's half the Arkansas state average for teens after a speeding ticket.
Alfa charges young drivers around $134 per month for liability insurance after an accident. That's less than half the state average of $292 per month.
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 |
| Shelter | $192 | $228 |
*USAA is available only to current and former military members and their families.
Arkansas teens can expect their rates to go up by about 19% after a speeding ticket and 37% after an accident. Both typically increase your car insurance rates because insurance companies believe people with incidents on their records are more likely to make a claim in the future.
Shopping around for the cheapest quotes is even more important for teens with a bad driving record.
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 offers the most affordable car insurance for Arkansas drivers with a DUI, at $233 per month. That's one-third cheaper than the Arkansas average after a DUI, which is $347 per month.
Best car insurance for a DUI in Arkansas
Company | Monthly rate |
|---|---|
| Farm Bureau | $233 |
| Shelter | $250 |
| Progressive | $334 |
| Alfa | $350 |
| State Farm | $374 |
*USAA is available only 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.
Cheap Arkansas car insurance quotes for drivers with poor credit: Alfa
Alfa offers the cheapest full coverage quotes for Arkansas drivers with poor credit. At $241 per month, full coverage from Alfa is $203 per month cheaper than 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 |
| Progressive | $442 |
*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 a good credit score. Insurance companies use credit scores to help calculate rates because they believe drivers with poor credit are more likely to file insurance claims.
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.
Top Arkansas insurance companies
USAA is the top-rated car insurance company in Arkansas.
USAA offers the best combination of trustworthy customer service and cheap rates. However, only military members, veterans and some of their family members can buy USAA car insurance.
Arkansas drivers who can't get USAA should consider State Farm, Farm Bureau and Shelter. All three companies have reliable customer service and affordable prices, and are available to all AR drivers.
Top car insurance companies in Arkansas
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA* | 735 | A++ | |
| State Farm | 650 | A++ | |
| Farm Bureau | 645 | A | |
| Shelter | 669 | A | |
| Alfa | 685 | A |
Average cost of car insurance in Arkansas by city
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, near Memphis, where the average cost of full coverage is $268 per month.
Full coverage Arkansas car insurance rates by city
City | Monthly rate | % from average |
|---|---|---|
| Adona | $218 | -3% |
| Alexander | $231 | 3% |
| Alicia | $215 | -4% |
| Alix | $205 | -9% |
| Alleene | $236 | 5% |
Insurance costs vary by $70 per month between the most and least expensive cities in Arkansas. That's because insurance companies consider population density, crime and accident rates when deciding how much you'll pay for car insurance.
Car insurance requirements 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
If you drive without insurance, you may have to pay a fine and your license could be taken away.
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 coverages.
- 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.
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 $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 $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.
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.
