Cheapest for: Minimum liability | Full coverage | Prior incidents | Young drivers
Best & Cheapest Car Insurance Quotes in Arkansas (2024)
Best & Cheapest Car Insurance Quotes in Arkansas (2024)
State Farm has the best cheap car insurance in Arkansas, at $31 per month for minimum liability coverage and $101 per month for full coverage.
Best cheap car insurance in Arkansas
To find the best cheap car insurance for Arkansas drivers, ValuePenguin 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.
Our experts also ranked the best AR auto insurance companies based on customer service reviews, coverage options, cost and convenience.
Cheapest company for full coverage: State Farm
State Farm has the best cheap full coverage insurance in Arkansas.
At $101 per month, full coverage auto insurance from State Farm is 36% cheaper than the Arkansas average.
The average cost of car insurance in Arkansas is $157 per month for full coverage.
Find Cheap Auto Insurance Quotes in Arkansas
Arkansas drivers with military ties can get even cheaper rates at USAA.
Full coverage insurance from USAA costs around $75 per month, which is 26% cheaper than State Farm. However, only military members, veterans and their families can buy car insurance from USAA.
Cheap full coverage insurance in Arkansas
Company | Monthly rate | |
|---|---|---|
| State Farm | $101 |
| Farm Bureau | $110 |
| Shelter | $141 |
| Nationwide | $162 |
| Geico | $186 |
*USAA is only available to current and former military members and their families.
Full coverage insurance in Arkansas costs $105 per month more than minimum coverage.
But, the extra cost may be worth it if your car is worth more than $5,000 or less than eight years old. That's because full coverage policies include comprehensive and collision insurance coverages. These coverages pay to repair or replace your car if it's stolen or damaged in a crash.
In addition, full coverage policies typically include higher liability limits. Extra liability insurance doesn't cost much, and it can help you avoid a big bill if you cause a major accident.
Cheapest car insurance in Arkansas: State Farm
State Farm has the cheapest liability car insurance in Arkansas at $31 per month.
That's 39% cheaper than the Arkansas state average, which is $52 per month.
Arkansas drivers can also find cheap minimum liability coverage at Farm Bureau and USAA. But only veterans, members of the military and their families can get USAA insurance.
Cheap liability car insurance in Arkansas
Company | Monthly rate |
|---|---|
| State Farm | $31 |
| Farm Bureau | $35 |
| Progressive | $51 |
| Shelter | $54 |
| Nationwide | $56 |
*USAA is only available to current and former military members and their families.
Minimum coverage insurance is the cheapest option an Arkansas driver can get. However, a minimum coverage policy only pays for injuries to others and damage to their cars or property.
That means 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.
Arkansas drivers should consider higher liability limits or a full-coverage policy, especially if your car is worth more than $5,000 or is less than 10 years old.
Cheapest for young drivers in AR: Farm Bureau
Teens can find the most affordable car insurance from Farm Bureau.
A minimum coverage policy from Farm Bureau costs $91 per month, which is 48% cheaper than average. It also has the cheapest full coverage quotes at $217 per month.
If you or one of your family members is a veteran or current military member, you should compare quotes from USAA. At just $54 per month for minimum coverage, USAA is even cheaper than Farm Bureau.
Best car insurance companies in AR for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $91 | $217 |
| State Farm | $108 | $296 |
| Shelter | $135 | $345 |
| Geico | $144 | $417 |
| Travelers | $205 | $463 |
Age is one of several factors insurance companies use when calculating your rates, and often has a big impact on rates.
In Arkansas, 18-year-olds pay three times as much as drivers in their 30s. However, once you get older and get more driving experience, the cost of car insurance typically decreases.
The best way for Arkansas teens to find cheap car insurance is to share a policy with their parents.
Cheap rates in AR after a speeding ticket: State Farm
State Farm is the best insurance company for Arkansas drivers with a speeding ticket.
Full coverage from State Farm costs around $107 per month after a single speeding ticket. That's 44% cheaper than average, and 60% less than the most expensive company, Progressive.
Cheapest car insurance in Arkansas with a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $107 |
| Farm Bureau | $120 |
| Shelter | $148 |
| Nationwide | $212 |
| Geico | $216 |
Arkansas drivers with one speeding ticket pay 22% more for full coverage insurance than those with a clean record. Drivers with traffic tickets are more likely to cause an accident in the future, making them more expensive to insure.
Affordable quotes 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 $115 per month after an at-fault accident. That's less than half the average cost of insurance after an accident in Arkansas, which is $234 per month.
Cheapest car insurance in Arkansas with an accident
Company | Monthly rate |
|---|---|
| State Farm | $115 |
| Farm Bureau | $143 |
| Shelter | $241 |
| Farmers | $266 |
| Nationwide | $273 |
On average, drivers in Arkansas can expect their rates to go up by 49% after one at-fault accident. Insurance companies may raise rates after you've caused an accident because you're more likely to be in future accidents.
Best for teens with a ticket or accident in AR: Farm Bureau
Farm Bureau has the best rates for young drivers after a ticket or accident.
A minimum coverage policy from Farm Bureau costs $101 per month for an 18-year-old with a speeding ticket. That's half as much as the average teen pays for coverage after speeding.
Farm Bureau charges young drivers with an at-fault accident on their record around $123 per month for minimum coverage. That's 35% cheaper than average.
Cheapest quotes for teens after a speeding ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $101 | $123 |
| State Farm | $118 | $129 |
| Shelter | $140 | $264 |
| Geico | $161 | $209 |
| Nationwide | $257 | $263 |
Arkansas teens can expect their rates to go up by about 15% after a speeding ticket and 33% after an accident. Both usually increase your car insurance quotes because insurance companies believe you're more likely to cause an accident in the future.
Cheapest quotes in AR after a DUI: Farm Bureau
Farm Bureau offers the most affordable car insurance for Arkansas drivers with a DUI at $132 per month. That's 52% cheaper than the Arkansas average, which is $276 per month.
Company | Monthly rate |
|---|---|
| Farm Bureau | $132 |
| Shelter | $217 |
| Progressive | $229 |
| Farmers | $257 |
| Allstate | $268 |
A DUI or DWI is one of the most serious driving tickets and raises rates an average of 76% 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 insurance for drivers with poor credit: Farm Bureau
Farm Bureau offers the cheapest full coverage quotes for drivers with poor credit at $199 per month. That's 35% cheaper than the average cost for Arkansas drivers with bad credit, which is $307 per month.
Best car insurance in Arkansas with poor credit
Company | Monthly rate |
|---|---|
| Farm Bureau | $199 |
| Nationwide | $252 |
| Shelter | $272 |
| Geico | $283 |
| Farmers | $292 |
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 found drivers with poor credit are more likely to file insurance claims.
Best insurance companies in Arkansas
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 aren't eligible for USAA should consider Farm Bureau and State Farm. Both companies have reliable customer service and affordable prices.
Best car insurance in Arkansas
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Farm Bureau | NR | A | |
| Shelter | 866 | A | |
| Geico | 835 | A++ |
The best insurance companies combine good customer service, quotes, coverage options and an easy shopping experience.
Choosing a company with great service can make a big difference if you're ever in an accident.
A company with reliable service will have an easy claims process and help get your car fixed quickly. Poor customer service can mean you have to spend more time arguing with the insurance company to get your claim paid.
Average cost of car insurance in Arkansas by city
The city of Siloam Springs has the cheapest car insurance in Arkansas at $140 per month for full coverage.
The most expensive quotes are in College Station, where the average cost of full coverage is $181 per month.
Average cost of full coverage insurance in AR by city
City | Monthly Rate | % from average |
|---|---|---|
| Adona | $150 | -4% |
| Alexander | $163 | 4% |
| Alicia | $152 | -3% |
| Alix | $142 | -9% |
| Alleene | $161 | 3% |
Insurance costs vary by up to $41 per month depending on where in Arkansas you live. That's because insurance companies consider population density, crime and accident rates when deciding how much you'll pay for car insurance.
Minimum car insurance requirements in Arkansas
As an Arkansas driver, you must have a minimum amount of liability car insurance. 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're caught driving without insurance, your license might be suspended and you might have to pay fines.
Liability coverage pays for other drivers' injuries and damage to their car if you cause a crash. But, 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 get higher liability limits or extra coverage that pays for damage to their car.
Frequently asked questions
What's the cheapest auto insurance in Arkansas?
State Farm has the cheapest car insurance quotes in Arkansas. The company offers minimum liability coverage for $31 per month and full coverage for $101 per month.
How much is car insurance in Arkansas per month?
Full coverage car insurance costs an average of $157 per month in Arkansas. That's 5% cheaper than the national average. Minimum liability coverage costs $52 per month, on average.
How much is car insurance in Little Rock, Arkansas?
Drivers in Arkansas' largest city, Little Rock, pay around $175 per month for full coverage car insurance. That's 12% more than the Arkansas state average and 19% more expensive than the second-largest-city, Fayetteville.
Methodology
To find the best cheap car insurance in AR, 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 2016 Honda Civic EX.
Quotes are for a full coverage policy with higher liability limits than the required in Arkansas, plus comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 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.
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.