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 found that State Farm offers the cheapest insurance in the state. State Farm offered our profile driver an average rate of $1,450 per year for a full coverage car insurance policy — which is $763 less than what we found to be the Arkansas average of $2,213.

However, we found that the cheapest company varied by city, which is why drivers should shop around to make sure they're getting their best price. Enter your ZIP code above to start shopping for great rates among the top car insurers near you.

Cheapest auto insurance companies in Arkansas

According to our research the companies with the cheapest auto insurance in Arkansas are State Farm, GEICO and Southern Farm Bureau. Rates from these companies were 34% to 29% less than the Arkansas average. Additionally, USAA will likely provide drivers with very cheap car insurance — though only veterans, military members and their families are eligible for these policies.

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

Find the Cheapest Auto Insurance Quotes in Your Area

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RankCompanyAverage annual rate
1State Farm$1,450
2GEICO$1,560
3Southern Farm Bureau$1,565
4Progressive$1,704
5Nationwide$2,064
6Shelter$2,374
7Allstate$3,409
8Farmers$4,771
NA*USAA$1,020

Cheapest 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 provided the cheapest quotes for our 30-year-old male profile driver — with rates that averaged $1,450 per year. State Farms rates are 34% less than the average cost of full coverage auto insurance in the state.

  • State Farm: $1,450 per year or $121 per month
  • GEICO: $1,560 per year or $130 per month
  • Southern Farm Bureau: $1,565 per year or $130 per month

Full coverage policies include comprehensive and collision insurance coverage — which will pay out to repair or replace your own vehicle if it is damaged or stolen. It is recommended that drivers consider these policies if their car is worth more than a few thousand dollars.

Cheapest for minimum liability: Southern Farm Bureau

Southern Farm Bureau is the cheapest car insurance company in Arkansas for minimum liability insurance. This company's rates for our profile driver were $227 less per year than the average cost in the state, at $450 per year.

  • Southern Farm Bureau: $450 per year or $37 per month
  • State Farm: $484 per year or $40 per month
  • Progressive: $486 per year or $41 per month

A minimum liability policy is the least expensive way to fulfill the car insurance requirements for your state, as it only includes the mandated coverages. However, these policies may not have high enough limits to protect your at-risk assets.

Cheapest for drivers with an accident: State Farm

The best company for cheap car insurance after an accident in Arkansas is State Farm. Rates from this insurer were nearly half the average cost of insurance for drivers with an accident — which is $3,264 per year. Choosing State Farm over the average insurance company in the state could represent a savings of $131 per month on premiums.

  • State Farm: $1,688 per year or $141 per month
  • Southern Farm Bureau: $2,009 per year or $167 per month
  • GEICO: $2,729 per year or $227 per month

Insurance premiums increase significantly after you've been in an accident where you are considered to be at fault. Insurance companies raise rates after you've been in an accident, because you are statistically more likely to be in future accidents. According to our research of Arkansas companies, the increase in rates could be as much as 75% — depending on your insurer.

Best auto insurance companies in Arkansas

Offering a combination of quality claims processing and customer service, USAA is our top rated auto insurance company in Arkansas. In our survey of current policyholders, this company had the highest percentage of "excellent" ratings for both claim satisfaction and customer service. Nationwide and State Farm also received excellent reviews from current customers and ranked as the second and third best in the nation, according to our survey.

RankInsurance company% extremely satisfied with most recent claim% excellent customer service
1USAA78%62%
2Nationwide78%53%
3State Farm73%46%
4Allstate72%47%
5Farmers71%38%
6Progressive74%34%
7GEICO64%42%
NASouthern Farm BureauNANA
NAShelterNANA

Cheap car insurance in Arkansas: By city

The cheapest insurer for you can vary by location. So even though we found that State Farm is the cheapest company — on average — in Arkansas, the company with the best prices for you could be different in your city. Below, we've provided the three cheapest companies for 50 of the Arkansas cities we included in our study.

CityCompanyAnnual rate
Little RockGEICO$1,642
State Farm$1,756
Progressive$1,817
Fort SmithState Farm$1,331
GEICO$1,452
Progressive$1,501
FayettevilleGEICO$1,301
State Farm$1,332
Progressive$1,588
JonesboroState Farm$1,462
GEICO$1,493
Progressive$1,634
RogersState Farm$1,281
GEICO$1,301
Southern Farm Bureau$1,554
ConwayGEICO$1,441
State Farm$1,468
Progressive$1,550
North Little RockGEICO$1,609
State Farm$1,646
Progressive$1,798
BentonvilleState Farm$1,264
GEICO$1,301
Progressive$1,477
Pine BluffState Farm$1,651
Southern Farm Bureau$1,782
GEICO$1,819
Hot SpringsState Farm$1,583
GEICO$1,653
Southern Farm Bureau$1,746
BentonState Farm$1,475
GEICO$1,634
Progressive$1,666
TexarkanaState Farm$1,572
Progressive$1,659
Southern Farm Bureau$1,744
RussellvilleState Farm$1,324
GEICO$1,426
Southern Farm Bureau$1,515
Bella VistaState Farm$1,233
GEICO$1,301
Southern Farm Bureau$1,541
JacksonvilleState Farm$1,465
GEICO$1,541
Progressive$1,612
CabotState Farm$1,547
GEICO$1,551
Progressive$1,657
West MemphisGEICO$1,567
State Farm$1,590
Progressive$1,637
SearcyState Farm$1,450
GEICO$1,517
Southern Farm Bureau$1,657
Van BurenState Farm$1,377
GEICO$1,551
Progressive$1,560
BryantState Farm$1,550
GEICO$1,634
Progressive$1,717
MaumelleGEICO$1,541
State Farm$1,657
Progressive$1,685
El DoradoState Farm$1,581
Progressive$1,631
GEICO$1,646
Siloam SpringsState Farm$1,208
GEICO$1,301
Progressive$1,501
CentertonState Farm$1,238
GEICO$1,301
Progressive$1,460
Forrest CityState Farm$1,492
GEICO$1,570
Progressive$1,648
BlythevilleState Farm$1,386
Progressive$1,469
GEICO$1,512
HarrisonState Farm$1,232
GEICO$1,426
Southern Farm Bureau$1,500
Mountain HomeState Farm$1,295
Southern Farm Bureau$1,376
GEICO$1,426
MarionGEICO$1,567
State Farm$1,624
Progressive$1,642
MagnoliaState Farm$1,508
Southern Farm Bureau$1,571
Progressive$1,584
MalvernState Farm$1,428
GEICO$1,653
Southern Farm Bureau$1,709
CamdenState Farm$1,449
Southern Farm Bureau$1,516
Progressive$1,637
BatesvilleState Farm$1,484
Southern Farm Bureau$1,545
GEICO$1,580
ArkadelphiaState Farm$1,419
Southern Farm Bureau$1,529
GEICO$1,584
Helena-West HelenaSouthern Farm Bureau$1,800
State Farm$1,830
GEICO$1,921
ClarksvilleState Farm$1,236
Southern Farm Bureau$1,391
GEICO$1,426
HopeState Farm$1,408
Progressive$1,582
GEICO$1,646
MonticelloState Farm$1,553
Southern Farm Bureau$1,656
Progressive$1,741
GreenwoodState Farm$1,287
GEICO$1,452
Southern Farm Bureau$1,461
StuttgartState Farm$1,400
GEICO$1,476
Progressive$1,577
BeebeState Farm$1,413
GEICO$1,517
Southern Farm Bureau$1,621
WynneState Farm$1,322
Southern Farm Bureau$1,593
Progressive$1,663
FarmingtonGEICO$1,301
State Farm$1,337
Progressive$1,610
TrumannState Farm$1,461
GEICO$1,694
Southern Farm Bureau$1,732
Heber SpringsState Farm$1,399
GEICO$1,580
Southern Farm Bureau$1,654
OsceolaState Farm$1,397
Progressive$1,468
GEICO$1,512
MorriltonState Farm$1,283
Southern Farm Bureau$1,448
GEICO$1,595
PocahontasSouthern Farm Bureau$1,425
State Farm$1,464
GEICO$1,476
De QueenSouthern Farm Bureau$1,535
State Farm$1,568
Progressive$1,631
Prairie GroveGEICO$1,301
State Farm$1,380
Southern Farm Bureau$1,571

Little Rock, Arkansas

The cheapest car insurance in Little Rock can be found at GEICO, State Farm and Progressive. The mean cost at these three companies is $1,738 per year, which is 29% lower than the overall citywide average. Little Rock has some of the highest auto insurance rates in our study. Quotes for our sample driver averaged $2,461 per year for car insurance — about 11% higher than the state average in our study.

Fort Smith, Arkansas

Our study found that residents in the Fort Smith pay 8% less than the average driver in the state — amounting to an annual difference of $186 per year. This difference in rates could be attributed to a number of factors, including fewer vehicle thefts or car accidents. Fort Smith drivers looking for the cheapest auto insurance should consider State Farm, GEICO and Shelter. These three companies offered an average rate of $1,428, which is 30% less than the citywide average of $2,027.

Fayetteville, Arkansas

The lowest cost auto insurance companies in Fayetteville are GEICO, State Farm and Progressive. Our survey revealed that Fayetteville drivers can expect to pay about $2,067 each year on average to insure their cars. Based on the annual premiums of the three cheapest companies in Fayetteville, drivers could save 32% by comparing rates over going with an insurer that offers average rates. This places auto insurance rates in Fayetteville 7% cheaper than the state average.

Jonesboro, Arkansas

The annual cost of car insurance in Jonesboro is $2,196 based on our data — which is 1% less than the state average. Drivers that get coverage from one of the cheapest insurance companies, State Farm, GEICO or Progressive, could save 30% on their premiums. Rates from these companies averaged out to be $1,530 per year for a full coverage policy.

Rogers, Arkansas

Rogers drivers can expect to pay an average rate for car insurance of $1,661 per year — which 10% below the statewide average. However, those that compare quotes to find the cheapest insurance company could pay 31% less than the mean for their auto coverage. Our survey found that the insurers that offered the lowest premiums in Rogers were State Farm, GEICO and Southern Farm Bureau. These companies offered rates that were 31% less than the citywide average.

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 annual premium
1Rogers$1,995
2Siloam Springs$1,997
3Bentonville$2,003
4Centerton$2,006
5Russellville$2,012
6Greenwood$2,013
7Clarksville$2,019
8Bella Vista$2,026
9Harrison$2,027
10Fort Smith$2,027
11Prairie Grove$2,047
12Van Buren$2,050
13Mountain Home$2,050
14Fayetteville$2,067
15Farmington$2,083
16Morrilton$2,088
17Conway$2,135
18Pocahontas$2,144
19Blytheville$2,161
20Stuttgart$2,163
21Osceola$2,179
22Beebe$2,186
23Heber Springs$2,195
24Jonesboro$2,196
25Searcy$2,204
26Batesville$2,215
27Malvern$2,216
28Magnolia$2,230
29Jacksonville$2,234
30Arkadelphia$2,242
31Hope$2,245
32Camden$2,251
33El Dorado$2,263
34De Queen$2,264
35Forrest City$2,271
36Benton$2,282
37Cabot$2,293
38Wynne$2,309
39Maumelle$2,312
40Marion$2,313
41West Memphis$2,324
42Texarkana$2,330
43Bryant$2,332
44Hot Springs$2,336
45North Little Rock$2,343
46Trumann$2,351
47Monticello$2,390
48Pine Bluff$2,396
49Little Rock$2,461
50Helena-West Helena$2,544

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

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. The quotes we obtained were for a 2015 Honda Civic EX owned by our sample driver, who drives 12,000 miles a year.

Comments and Questions

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