Best Car Insurance Rates in Arkansas
Best Car Insurance Rates in Arkansas
Find Cheap Auto Insurance Quotes in Arkansas
We researched auto insurance quotes in Arkansas by company and found that the average cost of minimum coverage car insurance is $339 for a 6-month policy and $677 for an annual policy, or $56 per month. There are a wide range of costs, as buying auto insurance from the cheapest insurer could save you nearly a thousand dollars annually compared to a policy from the most expensive carrier.
Further, 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 for minimum liability
Cheapest for full coverage
Cheapest for drivers with an accident
Best for customer service
Cheapest auto insurance companies in Arkansas
According to our research the companies with the cheapest minimum coverage auto insurance in Arkansas are Southern Farm Bureau, State Farm and Progressive. Annual rates from these companies averaged 30% less than the Arkansas mean.
Find Cheap Auto Insurance Quotes in Arkansas
Additionally, USAA will likely provide drivers with very cheap car insurance — though only veterans, military members and their families are eligible for these policies.
| Rank | Insurer | Annual premium |
|---|---|---|
| 1 | Southern Farm Bureau | $450 |
| 2 | State Farm | $484 |
| 3 | Progressive | $486 |
| 4 | GEICO | $490 |
| 5 | Nationwide | $780 |
| 6 | Allstate | $910 |
| 7 | Shelter | $951 |
| 8 | Farmers | $1,296 |
| NA | USAA | $248 |
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 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 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.
| Rank | Insurance company | % extremely satisfied with most recent claim | % excellent customer service |
|---|---|---|---|
| 1 | USAA | 78% | 62% |
| 2 | Nationwide | 78% | 53% |
| 3 | State Farm | 73% | 46% |
| 4 | Allstate | 72% | 47% |
| 5 | Farmers | 71% | 38% |
| 6 | Progressive | 74% | 34% |
| 7 | GEICO | 64% | 42% |
| NA | Southern Farm Bureau | NA | NA |
| NA | Shelter | NA | NA |
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 full coverage car insurance in the 50 of the Arkansas cities included in our study.
| City | Company | Annual full coverage rate |
|---|---|---|
| Little Rock | GEICO | $1,642 |
| State Farm | $1,756 | |
| Progressive | $1,817 | |
| Fort Smith | State Farm | $1,331 |
| GEICO | $1,452 | |
| Progressive | $1,501 | |
| Fayetteville | GEICO | $1,301 |
| State Farm | $1,332 | |
| Progressive | $1,588 | |
| Jonesboro | State Farm | $1,462 |
| GEICO | $1,493 | |
| Progressive | $1,634 | |
| Rogers | State Farm | $1,281 |
| GEICO | $1,301 | |
| Southern Farm Bureau | $1,554 | |
| Conway | GEICO | $1,441 |
| State Farm | $1,468 | |
| Progressive | $1,550 | |
| North Little Rock | GEICO | $1,609 |
| State Farm | $1,646 | |
| Progressive | $1,798 | |
| Bentonville | State Farm | $1,264 |
| GEICO | $1,301 | |
| Progressive | $1,477 | |
| Pine Bluff | State Farm | $1,651 |
| Southern Farm Bureau | $1,782 | |
| GEICO | $1,819 | |
| Hot Springs | State Farm | $1,583 |
| GEICO | $1,653 | |
| Southern Farm Bureau | $1,746 | |
| Benton | State Farm | $1,475 |
| GEICO | $1,634 | |
| Progressive | $1,666 | |
| Texarkana | State Farm | $1,572 |
| Progressive | $1,659 | |
| Southern Farm Bureau | $1,744 | |
| Russellville | State Farm | $1,324 |
| GEICO | $1,426 | |
| Southern Farm Bureau | $1,515 | |
| Bella Vista | State Farm | $1,233 |
| GEICO | $1,301 | |
| Southern Farm Bureau | $1,541 | |
| Jacksonville | State Farm | $1,465 |
| GEICO | $1,541 | |
| Progressive | $1,612 | |
| Cabot | State Farm | $1,547 |
| GEICO | $1,551 | |
| Progressive | $1,657 | |
| West Memphis | GEICO | $1,567 |
| State Farm | $1,590 | |
| Progressive | $1,637 | |
| Searcy | State Farm | $1,450 |
| GEICO | $1,517 | |
| Southern Farm Bureau | $1,657 | |
| Van Buren | State Farm | $1,377 |
| GEICO | $1,551 | |
| Progressive | $1,560 | |
| Bryant | State Farm | $1,550 |
| GEICO | $1,634 | |
| Progressive | $1,717 | |
| Maumelle | GEICO | $1,541 |
| State Farm | $1,657 | |
| Progressive | $1,685 | |
| El Dorado | State Farm | $1,581 |
| Progressive | $1,631 | |
| GEICO | $1,646 | |
| Siloam Springs | State Farm | $1,208 |
| GEICO | $1,301 | |
| Progressive | $1,501 | |
| Centerton | State Farm | $1,238 |
| GEICO | $1,301 | |
| Progressive | $1,460 | |
| Forrest City | State Farm | $1,492 |
| GEICO | $1,570 | |
| Progressive | $1,648 | |
| Blytheville | State Farm | $1,386 |
| Progressive | $1,469 | |
| GEICO | $1,512 | |
| Harrison | State Farm | $1,232 |
| GEICO | $1,426 | |
| Southern Farm Bureau | $1,500 | |
| Mountain Home | State Farm | $1,295 |
| Southern Farm Bureau | $1,376 | |
| GEICO | $1,426 | |
| Marion | GEICO | $1,567 |
| State Farm | $1,624 | |
| Progressive | $1,642 | |
| Magnolia | State Farm | $1,508 |
| Southern Farm Bureau | $1,571 | |
| Progressive | $1,584 | |
| Malvern | State Farm | $1,428 |
| GEICO | $1,653 | |
| Southern Farm Bureau | $1,709 | |
| Camden | State Farm | $1,449 |
| Southern Farm Bureau | $1,516 | |
| Progressive | $1,637 | |
| Batesville | State Farm | $1,484 |
| Southern Farm Bureau | $1,545 | |
| GEICO | $1,580 | |
| Arkadelphia | State Farm | $1,419 |
| Southern Farm Bureau | $1,529 | |
| GEICO | $1,584 | |
| Helena-West Helena | Southern Farm Bureau | $1,800 |
| State Farm | $1,830 | |
| GEICO | $1,921 | |
| Clarksville | State Farm | $1,236 |
| Southern Farm Bureau | $1,391 | |
| GEICO | $1,426 | |
| Hope | State Farm | $1,408 |
| Progressive | $1,582 | |
| GEICO | $1,646 | |
| Monticello | State Farm | $1,553 |
| Southern Farm Bureau | $1,656 | |
| Progressive | $1,741 | |
| Greenwood | State Farm | $1,287 |
| GEICO | $1,452 | |
| Southern Farm Bureau | $1,461 | |
| Stuttgart | State Farm | $1,400 |
| GEICO | $1,476 | |
| Progressive | $1,577 | |
| Beebe | State Farm | $1,413 |
| GEICO | $1,517 | |
| Southern Farm Bureau | $1,621 | |
| Wynne | State Farm | $1,322 |
| Southern Farm Bureau | $1,593 | |
| Progressive | $1,663 | |
| Farmington | GEICO | $1,301 |
| State Farm | $1,337 | |
| Progressive | $1,610 | |
| Trumann | State Farm | $1,461 |
| GEICO | $1,694 | |
| Southern Farm Bureau | $1,732 | |
| Heber Springs | State Farm | $1,399 |
| GEICO | $1,580 | |
| Southern Farm Bureau | $1,654 | |
| Osceola | State Farm | $1,397 |
| Progressive | $1,468 | |
| GEICO | $1,512 | |
| Morrilton | State Farm | $1,283 |
| Southern Farm Bureau | $1,448 | |
| GEICO | $1,595 | |
| Pocahontas | Southern Farm Bureau | $1,425 |
| State Farm | $1,464 | |
| GEICO | $1,476 | |
| De Queen | Southern Farm Bureau | $1,535 |
| State Farm | $1,568 | |
| Progressive | $1,631 | |
| Prairie Grove | GEICO | $1,301 |
| State Farm | $1,380 | |
| Southern Farm Bureau | $1,571 |
Little Rock, Arkansas
The cheapest full coverage 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 full coverage 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 with full coverage. 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 full coverage 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 full coverage 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 full coverage car insurance by city in Arkansas ranged from $1,435 in Fayetteville to $1,774 in West Memphis. Below, we've provided the average full coverage car insurance costs for each of the 39 states included in our survey.
| Rank | City | Average annual premium |
|---|---|---|
| 1 | Rogers | $1,995 |
| 2 | Siloam Springs | $1,997 |
| 3 | Bentonville | $2,003 |
| 4 | Centerton | $2,006 |
| 5 | Russellville | $2,012 |
| 6 | Greenwood | $2,013 |
| 7 | Clarksville | $2,019 |
| 8 | Bella Vista | $2,026 |
| 9 | Harrison | $2,027 |
| 10 | Fort Smith | $2,027 |
| 11 | Prairie Grove | $2,047 |
| 12 | Van Buren | $2,050 |
| 13 | Mountain Home | $2,050 |
| 14 | Fayetteville | $2,067 |
| 15 | Farmington | $2,083 |
| 16 | Morrilton | $2,088 |
| 17 | Conway | $2,135 |
| 18 | Pocahontas | $2,144 |
| 19 | Blytheville | $2,161 |
| 20 | Stuttgart | $2,163 |
| 21 | Osceola | $2,179 |
| 22 | Beebe | $2,186 |
| 23 | Heber Springs | $2,195 |
| 24 | Jonesboro | $2,196 |
| 25 | Searcy | $2,204 |
| 26 | Batesville | $2,215 |
| 27 | Malvern | $2,216 |
| 28 | Magnolia | $2,230 |
| 29 | Jacksonville | $2,234 |
| 30 | Arkadelphia | $2,242 |
| 31 | Hope | $2,245 |
| 32 | Camden | $2,251 |
| 33 | El Dorado | $2,263 |
| 34 | De Queen | $2,264 |
| 35 | Forrest City | $2,271 |
| 36 | Benton | $2,282 |
| 37 | Cabot | $2,293 |
| 38 | Wynne | $2,309 |
| 39 | Maumelle | $2,312 |
| 40 | Marion | $2,313 |
| 41 | West Memphis | $2,324 |
| 42 | Texarkana | $2,330 |
| 43 | Bryant | $2,332 |
| 44 | Hot Springs | $2,336 |
| 45 | North Little Rock | $2,343 |
| 46 | Trumann | $2,351 |
| 47 | Monticello | $2,390 |
| 48 | Pine Bluff | $2,396 |
| 49 | Little Rock | $2,461 |
| 50 | Helena-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.
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.