Best Car Insurance Rates in Arkansas

Find the Cheapest Auto Insurance Quotes in Your Area

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We researched auto insurance quotes in Arkansas by company and city to give consumers an idea of who had the best rates in the state. We analyzed and compared quotes from 18 companies to bring you results on the cheapest car insurance companies in Arkansas.

We found that, on average, car insurance in Arkansas cost $1,639 per year. However, we found rates for identical coverage varied from company to company. This is why drivers should look around to make sure they're getting fair quotes. Enter your zip code above to start shopping for great rates among the top car insurers near you.

Cheap Car Insurance Companies in Arkansas

Our analysis looked at 18 auto insurance companies and their annual premiums across 39 Arkansas cities. We then averaged the costs across the cities for each company, and ranked them from cheapest to most expensive to surface those with the best rates. Based on that analysis, here are the six companies with the best car insurance rates that we found in our study:

This graph shows which companies in Arkansas had the lowest rates for auto insurance.

The table below lists 18 auto insurance companies in the Natural State, organized from those with the lowest rates to the highest. Auto Club, State Farm, Shelter, and Progressive have the most affordable car insurance rates in Arkansas.

Rank

CompanyAnnual Premium
1Auto Club$1,050
2State Farm$1,058
3Shelter$1,086
4Progressive$1,102
5Southern Farm Bureau$1,138
6Columbia Insurance$1,172
7GEICO$1,177
8Farmers$1,261
9Cameron Mutual$1,277
10State Auto$1,340
11Nationwide1,417
12Allstate$1,451
13Auto Owners$1,595
14Home State$2,359
15Sentry$2,375
16MetLife$2,579
17Hanover$2,587
18United Automobile$3,349

Cheap Car Insurance in Arkansas: by City

As we showed in the table above, the three auto insurance companies with the lowest costs and most affordable quotes were Auto Club, State Farm and Shelter across the state. While those are the cheapest at the statewide level, companies do quote differently depending on where you live. In this table below, we identify the cheapest companies in each city:

City

CompanyAnnual Rate
Little RockAuto Club$960
Progressive$1,080
Shelter$1,200
FayettevilleAuto Club$840
State Farm$912
Progressive$984
Pine BluffShelter$1,128
Auto Club$1,152
Columbia Insurance$1,152
CrossettAuto Club$1,032
Shelter$1,056
State Farm$1,296
Helena/West HelenaAuto Club$1,116
Columbia Insurance$1,152
Shelter$1,164
MonticelloAuto Club$1,032
State Farm$1,080
Shelter$1,104
Little RockAuto Club$960
Progressive$1,080
Shelter$1,200
West MemphisShelter$1,128
Auto Club$1,152
Farmers$1,176
BatesvilleAuto Club$948
Southern Farm Bureau$1,056
Columbia Insurance$1,092
CamdenProgressive$1,020
State Farm$1,020
Auto Club$1,032
De QueenAuto Club$1,032
Progressive$1,080
State Farm$1,080
GlenwoodAuto Club$1,032
Shelter$1,056
State Farm$1,056
HopeAuto Club$1,032
Shelter$1,056
State Farm$1,056
Horseshoe BendAuto Club$948
Southern Farm Bureau$1,032
State Farm$1,062
JacksonvilleAuto Club$960
State Farm$1,044
Shelter$1,056
MagnoliaAuto Club$1,032
State Farm$1,032
Progressive$1,044
MaumelleAuto Club$960
Shelter$1,008
Progressive$1,128
Mountain ViewAuto Club$948
Southern Farm Bureau$1,020
State Farm$1,056
RisonAuto Club$1,032
State Farm$1,032
Shelter$1,056
SheridanAuto Club$972
State Farm$1,020
Shelter$1,116
AmityAuto Club$1,032
State Farm$1,032
Shelter$1,056
ArkadelphiaState Farm$1,008
Auto Club$1,032
Shelter$1,056
AshdownAuto Club$1,032
State Farm$1,032
Shelter$1,080
MenaState Farm$1,008
Auto Club$1,032
Shelter$1,032
NashvilleAuto Club$1,032
Shelter$1,080
Southern Farm Bureau$1,104
PrescottAuto Club$1,032
Southern Farm Bureau$1,032
Shelter$1,056
TexarkanaProgressive$1,044
State Farm$1,092
Auto Club$1,104
SearcyAuto Club$948
Shelter$1,092
Southern Farm Bureau$1,116
BryantAuto Club$972
State Farm$1,044
Shelter$1,116
El DoradoShelter$1,068
State Farm$1,068
Progressive$1,080
HamburgAuto Club$1,032
Shelter$1,056
Southern Farm Bureau$1,128
Forrest CityState Farm$1,008
GEICO$1,140
Progressive$1,140
BrinkleyAuto Club$948
Progressive$1,044
State Farm$1,044
StampsAuto Club$1,032
Southern Farm Bureau$1,044
State Farm$1,044
CabotAuto Club$972
Shelter$1,056
State Farm$1,056
CarlisleAuto Club$972
Progressive$1,008
Shelter$1,056
LonokeAuto Club$972
Progressive$1,044
Shelter$1,056
OsceolaProgressive$1,044
Southern Farm Bureau$1,092
GEICO$1,104
BlythevilleState Farm$984
GEICO$1,092
Progressive$1,140
ManilaState Farm$984
Progressive$1,044
GEICO$1,092

Little Rock, Arkansas

The cheapest car insurance in Little Rock can be found at Auto Club, Progressive, and Shelter. The mean cost at these three companies is $1,080 a year, which is 37% lower than the overall citywide average. As the capital of Arkansas and home of the William Jefferson Clinton Presidential Library, Little Rock has some of the highest auto insurance rates in our study. Quotes for our sample driver averaged $1,715 per year for car insurance—about 5% higher than the state average in our study.

This graph shows which companies in Little Rock had the lowest car insurance rates.

Fayetteville, Arkansas

The lowest cost auto insurance companies in Fayetteville are: Auto Club, State Farm, and Progressive. Our survey revealed Fayetteville drivers pay about $1,435 each year on average to insure their cars. Based on the annual premiums of the three cheapest companies in Fayetteville, drivers could save 36% by comparing rates over going with an insurer that offers average rates. This places auto insurance rates in Fayetteville 12% cheaper than the state average.

This graph shows which companies in Fayetteville had the lowest car insurance rates.

Pine Bluff, Arkansas

We found cheap auto insurance quotes in Pine Bluff from Shelter, Auto Club, and Columbia Insurance. The annual cost of car insurance in Pine Bluff is $1,674 based on our data—which is 2% higher than the state average. One of the factors contributing to this is the high auto theft rate relative to the state average. According to national statistics in 2009, there were almost eight auto thefts in the city per 1,000 residents compared to the state average of two thefts per 1,000 inhabitants.

This graph shows which companies in Pine Bluff had the lowest car insurance rates.

Texarkana, Arkansas

Texarkana drivers, at least those that live on the Arkansas side of the border, can expect to pay an average rate for car insurance of $1,661 per year—which just slightly above the statewide average. However, those that compare quotes to find the cheapest insurance company could pay 37% less than the mean for their auto coverage. Our survey found that the insurers that offered the lowest premiums in Texarkana were Progressive, State Farm and Auto Club. These companies offered rates that were 35% less than the citywide average.

This graph shows which companies in Texarkana had the lowest car insurance rates.

Jacksonville, Arkansas

Our study found that residents in the Little Rock suburb of Jacksonville pay 5% less than drivers that live in the principal city—amounting to an annual difference of $82. This difference in rates could be attributed to a number of factors, including fewer vehicle thefts or car accidents. Jacksonville drivers looking for the cheapest auto insurance should consider Auto Club, State Farm and Shelter. These three companies offered an average rate of $1,020, which is 38% less than the citywide average of $1,633.

This graph shows which companies in Jacksonville had the lowest car insurance rates.

Best Auto Insurance Companies in Arkansas

The best-rated auto insurance companies in Arkansas are Columbia Insurance Group, Cornerstone, Esurance, MetLife, and Auto-Owners based on their low complaint index numbers. The complaint index measures how much larger a company's share of complaints is compared to its share of business in the state. Companies that have a complaint index number below 1 are better than average, while those coming in higher than 1 are worse than the average insurer in Arkansas. Note that we excluded smaller companies with less than $5MM in premiums to make this most relevant to the majority of drivers in the state.

Here are the companies ranked from best to most complained about (an index below 1 is better than average; above 1 is worse than average).

Company

Direct Written PremiumsComplaint Index
State Farm237,730,0000.50
Southern Farm Bureau106,170,0000.49
Shelter84,255,0000.70
Progressive68,687,0000.76
Allstate65,684,0000.72
Berkshire Hathaway53,065,0000.75
Farmers47,711,0000.74
USAA44,274,0000.87
Liberty Mutual38,459,0000.99
Nationwide33,273,0000.53

Cost of Car Insurance in Arkansas: by City

The average cost of car insurance by city in Arkansas ranged from $1,435 in Fayetteville to $1,774 in West Memphis. Below, we've provided the average car insurance costs for each of the 39 states included in our survey.

RankCityAverage insurance cost
1Fayetteville$1,435
2Cabot$1,547
3Horseshoe Bend$1,555
4Mountain View$1,559
5Searcy$1,562
6Lonoke$1,563
7Mena$1,570
8Arkadelphia$1,573
9Amity$1,587
10Camden$1,598
11Bryant$1,599
12 (tie)Sheridan$1,601
12 (tie)De Queen$1,601
14Carlisle$1,602
15Batesville$1,604
16El Dorado$1,629
17Hope$1,631
18Brinkley$1,632
19Jacksonville$1,633
20Nashville$1,633
21Ashdown$1,642
22Rison$1,649
23Prescott$1,650
24Glenwood$1,655
25Texarkana$1,661
26Stamps$1,663
27Magnolia$1,663
28Pine Bluff$1,674
29Monticello$1,684
30Maumelle$1,688
31Forrest City$1,695
32Crossett$1,706
33Little Rock$1,715
34Manila$1,726
35Blytheville$1,733
36Hamburg$1,736
37Osceola$1,744
38Helena West Helena$1,761
39West Memphis$1,774

Arkansas Car Insurance Requirements

Arkansas drivers are required to have a minimum amount of liability insurance—which pays out for damages that they may be responsible for in the event of an accident. Those caught driving without insurance can face fines and vehicle registration suspension. Below, we've provided the minimum car insurance policy limits in Arkansas:

  • Bodily injury liability insurance: $25,000 per person and $50,000 per accident
  • Property damage liability insurance: $25,000 per person and $50,000 per accident

Methodology

We collected quotes from 18 insurance companies across 39 towns and cities in Arkansas for our sample 30-year-old male Toyota Camry driver with a clean driving record. Sample policies include liability coverage, above the state minimum, as well as comprehensive and collision coverage.

Surveyed auto insurance costs in Arkansas are for illustrative purposes only. Consumers' actual quotes will differ based on their physical residence, driving history and vehicle.

Comments and Questions

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.