Arkansas, the Natural State, has several diverse cities, each with their own price for auto insurance. We analyzed over 96 cities and towns across the southern state to determine which had the least and most expensive auto insurance. We found the state average to be $1,645 per year, with the highest being $1,833 and the lowest $1,467 per year (a 30% difference), for our sample driver.
Table of Contents
The five least expensive cities in our study all hail from the western side of the state, interestingly centered around Ozark National Park. They are a good distance away from any major cities; all being at least 125 miles from Little Rock. Yearly premiums between the five do not differ greatly with a range of $1,467 to $1,487 per year.
Siloam Springs, once named one of the 20 Best Small Towns in America, is the least expensive city on our list. Our sample driver from the western border city was quoted $1,467 per year on average.
Huntsville of Madison County is the second least expensive city in our study. A thirty year old male driver from the small mountainous city of should expect to pay $1,476 per year, about 11% cheaper than the state average.
Fayetteville is the third largest city in Arkansas and third cheapest in our study. The city up in the Boston Mountains is the county seat of Madison County, and home to the University of Arkansas Razorbacks. Our sample driver was quoted a yearly premium of $1,478, less than 1% more expensive than Siloam Springs.
Van Buren is the fourth least expensive city in our study. Our driver from the small town near the Oklahoma border had an average yearly premium of $1,481, 10% cheaper than the state average.
Greenwood home to 10,000, is the fifth least expensive city for car insurance in Arkansas. Another city near the Oklahoma border, our sample driver was quoted $1,487 per year, 10% less than the state average and only 1% more expensive than Siloam Springs.
As opposed to the western border dominance of the least expensive cities, the most expensive cities all mostly reside on the eastern border of the state. With the exception of North Little Rock, the most expensive and only major city in the top five, the list consists of small cities that reside on the Mississippi River. The range of premiums our sample driver was quoted was between $1,844 and $1,814.
West Memphis is the largest city in Crittenden County, and although located in Arkansas, considered part of the Memphis metropolitan area. It should not come as a surprise then, West Memphis, both in a major urban area and on the banks of the Mississippi River, has expensive auto insurance. Our sample driver was quoted a yearly average premium of $1,844 per year, about 12% more expensive than the state average.
Osceola is a city in Mississippi County, and the second most expensive city on our list. Also on the banks of the Mississippi River, insurance is naturally higher than most inland towns. Our sample driver was quoted $1,833 per year, about 11% more expensive than the state average.
Helena-West Helena is the largest city within Phillips County. Home to 12,000 residents and only a mere 2 miles from the Mississippi border, it is our third most expensive city for car insurance. Our profile driver was quoted a yearly premium of $1,825 about 10% more expensive than the state average.
Hamburg, the seat of Ashley County, is a small city less than 20 miles from the Louisiana border. Our sample driver from the town of about 3,000 people was quoted an average $1,814 per year.
North Little Rock
Bucking a trend of a state's premier city having the highest insurance, North Little Rock, while not even Little Rock proper, is the fifth most expensive for auto insurance. About two miles and across the Arkansas river from Little Rock, our sample driver was quoted a yearly premium of $1,814, about 2% cheaper than West Memphis and 10% more expensive than the state average.
In this study we went through 96 cities and towns across Arkansas and found a statewide car insurance average of $1,653 per year--based on our profile driver. The more expensive towns and cities came from the eastern part of the state, usually those around the banks of the Mississippi River. Other expensive areas include those around Little Rock. Generally the least expensive cities were around the Oklahoma border and other western parts of the state.
|Rank||City||Average||Percent Difference From Average|
|92||North Little Rock||$1,814||10%|
|94||Helena West Helena||$1,825||10%|
We collected quotes from a variety of insurance companies across 96 towns and cities in Arkansas. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived. The amount of coverage we opted for gave our driver bit more than what is required of state minimums. Below you can see the state required limits as well as the coverage used in our study.
|Coverage Type||Arkansas Minimum||Study Limits|
|Bodily Liability||$25,000 per person / $50,000 per accident||$50,000 per person/ $100,000 per accident|
|Property Damage||$25,000 per accident||$50,000 per accident|
|Uninsured/Underinsured Motorist BI||None||$50,000 per person/ $100,000 per accident|
|Uninsured/Underinsured Motorist Property||
|$50,000 per accident|
|Personal Injury Protection (PIP)||None||None|
|Comprehensive & Collision||None||$500 Deductible|