The type of vehicle you own in Arkansas can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in Arkansas for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in Arkansas
The Chevrolet TrailBlazer and Honda HR-V are the cheapest vehicles to insure in Arkansas, closely followed by the Hyundai Venue and Honda CR-V, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Arkansas and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Chevrolet TrailBlazer | $985 |
| Honda HR-V | $995 |
| Hyundai Venue | $1,012 |
| Honda CR-V | $1,022 |
| Toyota Corolla Cross | $1,054 |
| Subaru Outback | $1,054 |
| Mazda CX-30 | $1,056 |
| Volkswagen Tiguan | $1,058 |
| Chevrolet Trax | $1,060 |
| Mazda CX-5 | $1,061 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Arkansas
Auto insurance rates differ based on the type of vehicle. Typically, Van models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in Arkansas
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $1,136. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Nissan Versa ranks second on our list with an insurance cost of $1,200, followed by Honda Civic Sedan, which costs $1,234 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Arkansas and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,136 |
| Nissan Versa | $1,200 |
| Honda Civic Sedan | $1,234 |
| Honda Accord | $1,240 |
| Toyota Corolla | $1,247 |
| Volkswagen Jetta | $1,252 |
| Nissan Sentra | $1,253 |
| Toyota Camry | $1,261 |
| Mazda 3 Sedan | $1,277 |
| Kia Forte | $1,280 |
| Volkswagen Jetta GLI | $1,283 |
| Chevrolet Malibu | $1,297 |
| Mitsubishi Mirage G4 | $1,325 |
| Nissan Altima | $1,332 |
| Hyundai Elantra | $1,346 |
| Kia K5 | $1,366 |
| Hyundai Sonata | $1,424 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Arkansas
The Chevrolet TrailBlazer and Honda HR-V have the lowest car insurance rates, at $985 and $995, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Chevrolet TrailBlazer | $985 |
| Honda HR-V | $995 |
| Honda CR-V | $1,022 |
| Toyota Corolla Cross | $1,054 |
| Mazda CX-30 | $1,056 |
| Volkswagen Tiguan | $1,058 |
| Chevrolet Trax | $1,060 |
| Mazda CX-5 | $1,061 |
| Buick Encore GX | $1,061 |
| Volkswagen Taos | $1,069 |
| Subaru Crosstrek | $1,071 |
| Subaru Forester | $1,072 |
| Ford Escape | $1,072 |
| Kia Seltos | $1,076 |
| Honda Passport | $1,083 |
| Ford Bronco Sport | $1,084 |
| Toyota RAV4 | $1,089 |
| Kia Sportage | $1,091 |
| Jeep Wrangler | $1,094 |
| Hyundai Kona | $1,101 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Arkansas
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $1,191.
The table below compares car insurance rates for different sports cars in Arkansas
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,191 |
| Honda Civic Si | $1,314 |
| Chevrolet Camaro | $1,444 |
| Ford Mustang | $1,610 |
| Subaru BRZ | $1,628 |
| Honda Civic Type R | $1,639 |
| Toyota GR Corolla | $1,657 |
| Toyota GR86 | $1,658 |
| BMW Z4 | $1,658 |
| Toyota GR Supra | $1,694 |
| Subaru WRX | $1,788 |
| Porsche 718 Boxster | $1,829 |
| Chevrolet Camaro ZL1 | $1,948 |
| Chevrolet Corvette | $1,969 |
| Porsche 718 Cayman | $2,119 |
| Jaguar F-Type | $2,488 |
| Nissan Z | $2,508 |
| Chevrolet Corvette Z06 | $2,511 |
| Porsche 911 | $2,867 |
| Porsche 911 Turbo | $3,092 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Arkansas
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $1,163 for a full coverage six-month policy. It is followed by the Volvo XC40 ($1,171) and Cadillac XT4 ($1,294).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,163 |
| Volvo XC40 | $1,171 |
| Cadillac XT4 | $1,294 |
| Alfa-Romeo Tonale | $1,305 |
| Acura MDX | $1,306 |
| Lincoln Corsair | $1,312 |
| Cadillac XT5 | $1,319 |
| Acura Integra | $1,322 |
| Lexus RX | $1,337 |
| Audi Q3 | $1,351 |
| Volvo XC60 | $1,351 |
| Lexus NX | $1,360 |
| Mercedes-Benz GLA-Class | $1,376 |
| BMW X3 | $1,377 |
| BMW X2 | $1,408 |
| Cadillac XT6 | $1,408 |
| BMW X1 | $1,422 |
| Genesis GV70 | $1,426 |
| Mercedes-Benz GLB-Class | $1,427 |
| Volvo XC90 | $1,449 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Arkansas
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $3,553 annually, or $296 monthly.
The table below lists the most affordable EVs to insure in Arkansas and their six-month average full coverage rates.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,153 |
| Kia Niro EV | $1,217 |
| Volkswagen ID.4 | $1,220 |
| Hyundai Kona Electric | $1,318 |
| Chevrolet Silverado EV | $1,322 |
| Nissan Leaf | $1,362 |
| Subaru Solterra | $1,398 |
| Genesis Electrified GV70 | $1,432 |
| Toyota bZ4X | $1,459 |
| Audi Q4 e-tron | $1,472 |
| Ford F-150 Lightning | $1,487 |
| Kia EV9 | $1,528 |
| Hyundai Ioniq 5 | $1,539 |
| Mercedes-Benz EQB | $1,561 |
| Ford Mustang Mach-E | $1,604 |
| Volvo XC40 Recharge | $1,605 |
| Toyota Mirai | $1,619 |
| Cadillac LYRIQ | $1,629 |
| Kia EV6 | $1,641 |
| Chevrolet Blazer EV | $1,656 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Arkansas
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Chevrolet TrailBlazer costs an average of $4,276 to insure for an 18-year-old driver, whereas a Honda HR-V costs an average of $4,326 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Arkansas?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $1,153 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Kia Niro EV is $1,217, according to our analysis.
Which SUVs are the cheapest to insure in Arkansas?
The Chevrolet TrailBlazer is one of the cheapest SUVs to insure in Arkansas, with an average cost of $985 for a six-month car insurance plan. The Honda HR-V and Honda CR-V also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in Arkansas?
The Chevrolet TrailBlazer, Honda HR-V, Honda CR-V and Hyundai Venue are some of the cheapest cars to insure for an 18-year-old driver in Arkansas. On the other hand, Maserati Quattroporte, Maserati Ghibli and Nissan GT-R are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs