- 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.
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.
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 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
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of 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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Arkansas
Arkansas requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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 are the average annual rates from major insurance companies in Arkansas, ranked from cheapest to the most expensive for the 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
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Cheapest car insurance in Arkansas, by driving history
Your driving history affects how much you pay for insurance in Arkansas because insurance companies use it to assess the risk associated with insuring a driver.
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 rates after a speeding ticket in Arkansas
If you’ve got a speeding ticket on your Arkansas driving record and need affordable car insurance, GEICO might be the answer. With an average annual rate of $1,308, GEICO offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Arkansas.
| 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 $723 per year and State Farm has the second-cheapest insurance premiums at $1,423 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 39% less than those with a history of 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 rates after an at-fault accident in Arkansas
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,527.
GEICO is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,841.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher 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
Which cities in Arkansas have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Arkansas is Hartford, at $1,702 per year.
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
Average savings on car insurance in Arkansas
If you compare car insurance quotes, you could enjoy an annual saving of around 26% on a full coverage policy in Arkansas.
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
Arkansas drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Arkansas.
| 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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