The cheapest full coverage car insurance in Arkansas is $120 , saving you $43 compared to the average cost of insurance in the state, which is around $163 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Arkansas, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Arkansas should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- According to recent data, Travelers offers the cheapest full coverage car insurance in Arkansas at $120 per month.
- Arkansas drivers with a clean driving record pay 39% less for car insurance than drivers with a DUI.
- In Arkansas, the city of Hartford has the most affordable car insurance rates at $1,702 annually.
- Comparing price quotes from multiple insurers can help you save up to 26% per year on your car insurance policy in Arkansas.
Car insurance companies with cheap car insurance in Arkansas
Travelers offers the cheapest car insurance rates in Arkansas for a full coverage policy with an average premium of $120 per month or around $1,442 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Arkansas.
Cheapest car insurance rates in Arkansas per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Travelers | $120 |
| Nationwide | $125 |
| Shelter Insurance | $141 |
| Geico | $149 |
| Southern Farm Bureau | $160 |
| State Farm | $172 |
| Farmers | $187 |
| Progressive | $203 |
| Allstate | $227 |
| Alfa Corporation | $269 |
| USAA* | $91 |
Note: USAA is only available to military community members and their families.
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Who pays the lowest auto insurance premiums in Arkansas?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 13% less than single drivers.
- Arkansas drivers with clean records pay 39% less than drivers who have a DUI on their record.
- Arkansas drivers in their 20s pay 64% lower rates for insurance than a 16-year-old in Arkansas.
- Adding a teen to your policy will cost you 74% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 27% less on their insurance premiums.
- Drivers insured for three or more years can save up to 26% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 1% for this state more on their premiums.
Cheapest companies for different coverage levels in Arkansas
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Geico is the cheapest for a state minimum policy.
- Geico has the cheapest rates for a liability-only policy (50/100/50).
- Travelers offers the cheapest car insurance for a full coverage policy (100/300/100) in Arkansas.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest state minimum coverage in Arkansas
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Arkansas, you must have at least the following insurance coverage on your car.
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists Arkansas’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State Minimum Annual Rates |
|---|---|
| Geico | $285 |
| Southern Farm Bureau | $337 |
| Progressive | $375 |
| State Farm | $401 |
| Nationwide | $402 |
| Shelter Insurance | $414 |
| Travelers | $432 |
| Alfa Corporation | $522 |
| Farmers | $556 |
| Allstate | $629 |
| USAA* | $208 |
Note: USAA is only available to military community members and their families.
Cheapest Arkansas insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from Arkansas’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Geico | $383 |
| State Farm | $520 |
| Shelter Insurance | $531 |
| Southern Farm Bureau | $546 |
| Travelers | $566 |
| Nationwide | $590 |
| Progressive | $718 |
| Allstate | $785 |
| Alfa Corporation | $898 |
| Farmers | $908 |
| USAA* | $320 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance companies in Arkansas for full coverage
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Arkansas, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full Coverage Annual Rates |
|---|---|
| Travelers | $1,442 |
| Nationwide | $1,503 |
| Shelter Insurance | $1,690 |
| Geico | $1,794 |
| Southern Farm Bureau | $1,926 |
| State Farm | $2,060 |
| Farmers | $2,248 |
| Progressive | $2,431 |
| Allstate | $2,729 |
| Alfa Corporation | $3,225 |
| USAA* | $1,090 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Arkansas by driving history
In Arkansas, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $723 more annually in Arkansas than an individual with a clean driving record.
Cheap car insurance in Arkansas after a speeding ticket
A speeding ticket can impact your Arkansas car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, Geico has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,308 a year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| Geico | $1,070 | $1,308 | 22% | $238 |
| State Farm | $1,318 | $1,423 | 8% | $104 |
| Farmers | $1,515 | $1,975 | 30% | $460 |
| Travelers | $1,287 | $2,029 | 58% | $742 |
| Progressive | $1,677 | $2,318 | 38% | $641 |
| Nationwide | $1,377 | $2,403 | 74% | $1,025 |
| Auto-Owners | $1,711 | $2,417 | 41% | $706 |
| Auto Club Enterprises (AAA) | $1,599 | $2,466 | 54% | $867 |
| Allstate | $2,217 | $2,585 | 17% | $368 |
| USAA* | $1,060 | $1,258 | 19% | $199 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance in Arkansas after a DUI conviction
Geico offers the cheapest car insurance to Arkansas drivers with a DUI conviction at $1,292 per year and State Farm has the second-cheapest insurance premiums at $1,423 a year, based on recent data.
If you have a clean record, you are likely to pay 39% less for car insurance than someone with a DUI.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| Geico | $1,070 | $1,292 | 21% | $222 |
| State Farm | $1,318 | $1,423 | 8% | $104 |
| Progressive | $1,677 | $2,003 | 19% | $326 |
| Travelers | $1,287 | $2,007 | 56% | $720 |
| Farmers | $1,515 | $2,043 | 35% | $527 |
| Auto Club Enterprises (AAA) | $1,599 | $2,744 | 72% | $1,146 |
| Allstate | $2,217 | $2,967 | 34% | $750 |
| Auto-Owners | $1,711 | $3,758 | 120% | $2,048 |
| Nationwide | $1,377 | $4,231 | 207% | $2,854 |
| USAA* | $1,060 | $2,027 | 91% | $967 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Arkansas after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $1,527 a year.
On the other hand, Geico offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,841 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,318 | $1,527 | 16% | $209 |
| Geico | $1,070 | $1,841 | 72% | $771 |
| Travelers | $1,287 | $1,848 | 44% | $562 |
| Farmers | $1,515 | $2,125 | 40% | $610 |
| Nationwide | $1,377 | $2,347 | 70% | $970 |
| Auto Club Enterprises (AAA) | $1,599 | $2,760 | 73% | $1,161 |
| Auto-Owners | $1,711 | $2,872 | 68% | $1,161 |
| Progressive | $1,677 | $2,986 | 78% | $1,309 |
| Allstate | $2,217 | $3,273 | 48% | $1,056 |
| USAA* | $1,060 | $1,546 | 46% | $487 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Which cities in Arkansas have the lowest auto insurance rates?
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Hartford is the city with the lowest premiums in Arkansas at an annual auto insurance rate of $1,702 .
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Arkansas with the lowest auto insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Hartford | $1,702 |
| Delaware | $1,747 |
| Mulberry | $1,747 |
| Yellville | $1,750 |
| Pyatt | $1,760 |
| Oakland | $1,769 |
| Kingston | $1,778 |
| Hindsville | $1,780 |
| Pettigrew | $1,782 |
| Pocahontas | $1,786 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on car insurance in Arkansas?
Shopping around for car insurance quotes in Arkansas can help drivers save 26% annually on full coverage policies.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Arkansas: Save on premiums
Car insurance discounts in Arkansas can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Arkansas.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 1% | $23 |
| Anti-theft device | 2% | $53 |
| Daily commute | 8% | $170 |
| Days advanced purchase | 6% | $131 |
| Days per week driven | 1% | $20 |
| Education | 12% | $271 |
| Electronic funds transfer | 4% | $94 |
| Homeowner | 5% | $120 |
| Lower annual mileage | 5% | $91 |
| Loyalty – years renewal with company | 8% | $148 |
| Marital status | 13% | $307 |
| Multi policy | 9% | $183 |
| Paperless/electornic documents | 4% | $110 |
| Payment type | 9% | $196 |
| Primary use | 11% | $217 |
| Profession | 9% | $189 |
| Safety devices | 4% | $109 |
| Telematics | 9% | $151 |
| Years insured | 25% | $889 |
| Years licensed | 25% | $972 |
The bottom line on cheap car insurance in Arkansas
Our research shows that Travelers has the cheapest full coverage car insurance rates in Arkansas for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Arkansas, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Arkansas for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Arkansas