Best Car Insurance Quotes in Arkansas

Best Car Insurance Quotes in Arkansas

State Farm has the best cheap car insurance quote in Arkansas, at $25 per month for minimum liability coverage.

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Best cheap car insurance in Arkansas

To find the best cheap car insurance for Arkansas drivers, our editorial team compared quotes from top insurance companies across each ZIP code in the state. Quotes for minimum coverage meet Arkansas' state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, plus $25,000 in property damage protection. Full-coverage quotes include higher liability limits than the state minimums, in addition to comprehensive and collision coverage.

We also ranked the best Arkansas insurance companies based on customer service reviews, coverage availability, affordability for different drivers and convenience.

Arkansas car insurance rates vary depending on your driving history, the car you drive and where you live. Since many factors determine your rates, we recommend that you shop around and compare quotes from multiple Arkansas insurance companies.

Cheapest Arkansas auto insurance quotes: State Farm

The cheapest auto insurance companies in Arkansas are State Farm, Geico and Farm Bureau. The annual quotes from these companies average 31% less than the Arkansas average.

The average cost of car insurance in Arkansas is $45 per month for a minimum-coverage policy.

Cheapest car insurance companies in Arkansas

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Additionally, USAA typically provides drivers with cheap car insurance — although only veterans, members of the military and their families are eligible to buy from USAA.

Company
Monthly rate
State Farm logo
State Farm$25
Geico logo
Geico$26
Farm Bureau logo
Farm Bureau$33
Progressive logo
Progressive$40
Nationwide logo
Nationwide$53
Farmers logo
Farmers$58
Shelter logo
Shelter$64
Allstate logo
Allstate$66
Travelers logo
Travelers$71
USAA logo
USAA$20

USAA is only available to current and former military members and their families.

Minimum-coverage insurance is the cheapest option an Arkansas driver can purchase. However, a minimum-coverage policy only pays for damage you cause to other drivers and their vehicles. Your own car won't be protected if you get into an accident, which may result in hefty repair costs you have to pay.

Arkansas drivers should consider higher liability limits or a full-coverage policy — especially if their vehicle is worth more than $3,000 or is less than 10 years old.

Cheapest company for full coverage: State Farm

For a full-coverage car insurance policy, Arkansas drivers can expect to get the cheapest car insurance rates with State Farm. This company provides the cheapest quotes, with rates that average $74 per month.

State Farm's rate is 46% lower than the average cost of full-coverage auto insurance in the state.

Cheapest full coverage insurance in Arkansas

Company
Monthly rate
State Farm$74
Geico$98
Farm Bureau$103
Nationwide$151
Shelter$152
Farmers$169
Progressive$171
Travelers$191
Allstate$194
USAA$75

USAA is only available to current and former military members and their families.

Full-coverage policies include comprehensive and collision insurance coverages — which pay out to repair or replace your own vehicle if it is stolen or damaged in a crash. Consider these policies if your car is worth more than a few thousand dollars.

Cheap car insurance for drivers with prior incidents

The average cost of a full-coverage policy tends to be higher for drivers with a history of citations, traffic violations or accidents. Depending on which violation you have, annual rates may increase by a few hundred dollars into the thousands.

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Cheapest quotes for drivers with an accident: State Farm

The best company for cheap car insurance after an at-fault accident in Arkansas is State Farm, where insurance costs just $85 per month for full coverage.

Rates from State Farm are 61% cheaper than the average cost of insurance for drivers with an accident — which is $2,670 per year. Choosing State Farm over the average insurance company in the state could represent a savings of $138 per month on premiums.

Cheapest car insurance in Arkansas with an accident

Company
Monthly rate
State Farm$85
Farm Bureau$133
Geico$201
Farmers$232
Nationwide$253
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Insurance companies may raise rates after you've been in an accident because you are statistically more likely to be in future accidents. The increase in rates could be more than double for Arkansas drivers — depending on the company you choose.

Cheapest car insurance for drivers with a speeding ticket: State Farm

Arkansas' best insurance company for drivers with a speeding ticket is State Farm. The cost difference between State Farm and the most expensive company is $168 per month for full coverage.

This gap emphasizes why it's so important to shop and compare multiple companies. Two other cheap insurers worth checking out are Geico and Farm Bureau.

Cheapest car insurance in Arkansas with a speeding ticket

Company
Monthly rate
State Farm$79
Geico$98
Farm Bureau$111
Shelter$177
Nationwide$197
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Insurance companies have found that drivers with traffic tickets are more likely to be involved in accidents than other drivers, so insurers charge higher rates as a result.

Cheapest car insurance quotes after a DUI: Farm Bureau

Farm Bureau offers the best low-cost full-coverage policy for Arkansas drivers with a DUI. Those insured under this company pay less than half the price of the average Arkansas driver.

DUI is one of the most serious common driving infractions and raises rates an average of 81% in Arkansas.

Company
Monthly rate
Farm Bureau$123
Progressive$195
Farmers$224
Allstate$258
State Farm$271
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Serious driving convictions like DUIs can stay on your record longer than something minor, like driving a few miles per hour over the speed limit. Comparing rates can help mitigate the impact of having a DUI, but driving responsibly for a while is the only way to get your rates back to where they were before.

Cheapest car insurance for Arkansas drivers with poor credit: Geico

Geico offers the cheapest full-coverage premiums for drivers with poor credit. Despite being slightly more expensive, Farm Bureau is an alternative still worth looking into.

Insurers use credit scores to determine quotes because drivers with low credit scores are statistically more likely to file insurance claims.

Cheapest car insurance in Arkansas with poor credit

Company
Monthly rate
Geico$156
Farm Bureau$186
State Farm$233
Nationwide$235
Farmers$256
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Cheapest car insurance for young drivers in Arkansas: State Farm

Teens who have recently gotten their license and have their own policy can find the most affordable car insurance from State Farm, which charges $84 per month for minimum coverage.

If you or one of your family members is a veteran or current military member, you should contact USAA, which has rates even cheaper than State Farm's.

Company
Liability only
Full coverage
State Farm$84$215
Farm Bureau$87$202
Geico$88$274
Shelter$158$366
Travelers$197$454
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Age is one of several factors insurers take into account when calculating your annual premium. In Arkansas, 18-year-olds pay more than twice as much as drivers in their 30s. However, once you get older and garner more driving experience, the cost of car insurance typically decreases.

Cheapest car insurance for young drivers after a ticket: Geico

Geico has great rates for young drivers after a ticket — we didn't see any increase after one speeding incident. The rate for an 18-year-old remained the same at $88 per month for minimum coverage.

Farmers has the most expensive auto insurance for 18-year-old drivers, with an annual rate of $3,560 — which is more than triple the rate offered at Geico.

Cheapest car insurance for teen drivers after a ticket

Company
Monthly rate
Geico$88
State Farm$92
Farm Bureau$97
Shelter$182
Progressive$237
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Cheapest car insurance for young drivers after an accident: State Farm

Young drivers who have been in an at-fault accident should contact State Farm and Farm Bureau. For minimum coverage, State Farm is 53% cheaper than the state average.

Company
Monthly rate
State Farm$101
Farm Bureau$117
Geico$135
Nationwide$244
Travelers$285
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Having a speeding ticket on your record and having an accident history result in similar effects on your insurance premiums. Both usually increase your car insurance costs by up to 34% because these drivers are more likely to be involved in another incident. This price hike can be particularly burdensome for young people who are already charged higher premiums on average. That's why it always pays to shop around to find your cheapest rates.

Cheapest car insurance quotes for married drivers: State Farm

If you've tied the knot, we recommend getting quotes from State Farm, Farm Bureau and Geico.

Arkansas' married drivers pay an average of 10% less per year than single drivers for full coverage. Insurance companies often give married drivers a small discount because they're less likely to be involved in a crash.

Cheapest car insurance for married drivers in Arkansas

Company
Monthly rate per car
State Farm$74
Farm Bureau$91
Geico$99
Shelter$118
Progressive$126
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Best car insurance companies in Arkansas

Offering a combination of quality claims processing and customer service, Farm Bureau is our top-rated auto insurance company in Arkansas. We rate insurance companies based on multiple factors, including customer service, coverage offered and overall shopping experience.

Shelter and State Farm also receive excellent reviews from current customers and rank as the second and third best companies in the state.

Best car insurance in Arkansas

Company
Editor's rating
J.D. Power
AM Best
Farm Bureau
NRA
Shelter
866A
State Farm
842A++
USAA
881A++
Geico
835A++
Nationwide
815A+
Farmers
815A
Travelers
829A++
Allstate
824A+
Progressive
819A+

Cost of car insurance in Arkansas by city

The average cost of full-coverage car insurance by city in Arkansas ranges from $123 per month in Paris to $159 per month in West Helena.

Insurance costs vary depending on your city of residence. Each area of Arkansas has a different population density, crime rate and accident frequency, which all factor into your annual rate estimates.

City
Average monthly cost
Percentage difference from average
Adona$132-4%
Alexander$1444%
Alicia$134-3%
Alix$126-9%
Alleene$1423%
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Minimum car insurance requirements in Arkansas

As an Arkansas driver, you are required to have at least $25,000 per person/$50,000 per accident of bodily injury liability insurance, plus $25,000 of property damage liability insurance. Liability coverage pays out for damage to other drivers if you cause an accident. If you are caught driving without insurance, your license might be suspended and you might have to pay fines.

Coverage

Minimum required limit

Bodily injury (BI) liability

$25,000 per person/$50,000 per accident

Property damage (PD) liability

$25,000 per accident

While a policy with the minimum amount of liability coverage is the cheapest kind of insurance, it may not be enough to pay for all the damage in a serious accident, and it doesn't cover damage to your car. Drivers with expensive or newer vehicles should purchase higher liability limits or additional coverage that covers damage to their car, like collision and comprehensive coverage.

Frequently asked questions

Who has the cheapest car insurance in Arkansas?

State Farm has the cheapest car insurance rates we found in Arkansas. The company offers minimum liability coverage for $25 per month and full coverage for $74.

How much is car insurance in Arkansas?

Car insurance costs an average of $45 per month for minimum coverage in Arkansas. Full coverage is $1,653 per year on average, or $138 per month.

Can I just buy liability car insurance in Arkansas?

Yes, Arkansas only requires drivers to purchase $25,000 of bodily injury liability coverage per person and $50,000 per accident, as well as $25,000 in property damage liability coverage.

Methodology

We collected thousands of rates from ZIP codes across Arkansas for the largest 10 insurers. Our sample driver is a 30-year-old man with average credit who drives a 2015 Honda Civic EX.

The base policy for the study was a full-coverage policy with the following limits:

Coverage type
Study limits
Bodily injury liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For our minimum-coverage policy, we used the minimum required limits in Arkansas.

For other rates analyses (credit score, accident history and marital status), the base policy listed above was altered to reflect the new driver. Quotes for young drivers are based on a minimum-coverage policy unless otherwise noted.

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.

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.