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.
Which company offers the cheapest car insurance rates 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 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
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.
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 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
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.
Below, you’ll see average annual rates for major insurance providers in Arkansas, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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 full coverage car insurance 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.
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 following table lists the average annual rates of major insurance companies in Arkansas from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| 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.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Arkansas, drivers with a history of such violations typically pay $723 more annually than drivers with clean records.
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.
Cheapest car insurance in Arkansas after a DUI conviction
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 $1,292 . State Farm is the second-cheapest insurer at an average of $1,423 per year.
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
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 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.
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 Cities with the lowest auto insurance rates in Arkansas
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.
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 auto 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.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Arkansas: Save on premiums
In Arkansas, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Arkansas below.
| 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 research, if you are a good driver, Travelers is the cheapest in Arkansas for a full coverage policy.
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 is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
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