The cheapest car insurance in Arkansas costs $120 per month for a full coverage policy from Travelers. That’s a $43 savings from the average cost of insurance in the state, which is $163 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Arkansas including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- 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 has the cheapest full coverage car insurance in Arkansas, at an average premium of $120 per month or around $1,442 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Arkansas. We’ve gathered rates from different insurance companies to help you find the most affordable option.
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.
Who pays a lower insurance premium in Arkansas?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 13% less than single drivers.
- Arkansas drivers with clean records pay 39% less than drivers who have a DUI on their records.
- 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 Arkansas companies for different coverage levels
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.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you 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
Below, you’ll see average annual rates for major insurance providers in Arkansas, ranked from cheapest to most expensive for state minimum coverage.
| 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 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.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Arkansas based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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 auto insurance in Arkansas by driving history
Your driving history impacts insurance premiums in Arkansas, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Arkansas, drivers with a history of traffic violation pay an average of $723 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates 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.
Cheap car insurance rates after a DUI conviction in Arkansas
CarInsurance.com analyzed insurance rates for Arkansas drivers with DUI convictions and we found that GEICO provides the cheapest car insurance rates at an average annual premium of $723. State Farm is the second-cheapest insurer at an average of $1,423 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 39% less than drivers with a DUI on their record.
| 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 rates in Arkansas after an at-fault accident
If you’re a driver with an at-fault accident on your record, State Farm is the cheapest option, offering car insurance at an average cost of $1,527 annually.
GEICO is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,841.
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| 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.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Arkansas
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Arkansas, Hartford stands out as the city with the lowest auto insurance rates, at an average of $1,702 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Arkansas with the most affordable car 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 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on car insurance in Arkansas?
By comparing car insurance quotes, you can save an average of 26% per year for a full coverage policy in Arkansas.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
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 auto insurance in Arkansas
Based on our findings, Travelers provides the cheapest rates for a full coverage policy in Arkansas if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Arkansas, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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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