- The average cost of car insurance in Arkansas is $1,957 a year or $163 per month, based on our data analysis.
- Minimum liability coverage in Arkansas costs around $397 annually for limits of 25/50/25, while liability-only coverage costs $589 per year for limits of 50/100/50.
- Travelers provides the most affordable annual rates for full coverage car insurance in Arkansas, costing $1,442 per year.
- In Arkansas, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 36%, a DUI raising rates by 65%, and an at-fault accident by up to 56%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Travelers offers the most affordable car insurance at $1,442 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Arkansas. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Arkansas and how much you need.
How much is car insurance in Arkansas?
According to CarInsurance.com data, drivers in Arkansas pay about $163 per month for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in Arkansas based on driver profile:
- Teen drivers in Arkansas pay the most — about $547 a month or $6,560 a year.
- Young drivers in their 20s pay an average of $256 monthly or $3,076 annually, for car insurance.
- Senior drivers pay around $159 monthly or $1,909 a year.
- A speeding ticket can increase your rates to $237 monthly or $2,844 annually.
- An at-fault accident increases car insurance rates to $252 a month or $3,024 a year.
- Poor credit drivers usually see their car insurance costs increase to $358 monthly or $4,291 annually.
Average cost of auto insurance in Arkansas by coverage level
Car insurance costs in Arkansas can differ based on the coverage limit. To legally drive, Arkansas residents must adhere to the minimum liability limits of 25/50/25.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Arkansas car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $33 | $397 |
| Liability Only – 50/100/50 BI/PD | $49 | $589 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $163 | $1,957 |
State minimum car insurance in Arkansas
In Arkansas, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability.
The state minimum coverage in Arkansas costs $397 a year but doesn’t provide much protection for drivers. Arkansas drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Arkansas must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Arkansas
According to CarInsurance.com data, liability-only car insurance costs $589 in Arkansas for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Arkansas
In Arkansas, you can expect to pay around $1,957 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Arkansas
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Arkansas pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in Arkansas
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Calculate the cost of car insurance in Arkansas
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Arkansas pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in Arkansas
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Estimate car insurance in Arkansas by car model
Car insurers in Arkansas use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific make and model in Arkansas.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Arkansas
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Arkansas drivers aged 30 to 60 have the lowest average auto insurance rates at $1,887 annually.
Drivers aged 16-19 pay $4,673 more for car insurance than Arkansas drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,560 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,945 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,887 annually in Arkansas.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,909 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Arkansas
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Arkansas can increase your premiums by up to 65% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Arkansas, you’ll likely see an increase in your car insurance premium by up to 36% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Arkansas after driving incidents:
- Speeding ticket: Up to 36% increase
- DUI conviction: 65% increase
- At-fault accident (bodily injury and property damage): 56% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Arkansas for high-risk drivers
In Arkansas, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Arkansas
In Arkansas, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Arkansas by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Arkansas, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travelers | $432 | $566 | $1,442 |
| Nationwide | $402 | $590 | $1,503 |
| Shelter Insurance | $414 | $531 | $1,690 |
| GEICO | $285 | $383 | $1,794 |
| Southern Farm Bureau | $337 | $546 | $1,926 |
| State Farm | $401 | $520 | $2,060 |
| Farmers | $556 | $908 | $2,248 |
| Progressive | $375 | $718 | $2,431 |
| Allstate | $629 | $785 | $2,729 |
| Alfa Corporation | $522 | $898 | $3,225 |
| USAA | $208 | $320 | $1,090 |
Car insurance rates by city in Arkansas
Snow Lake is the priciest city in Arkansas for car insurance, costing an average of $2,205 annually. On the other hand, Hartford is the most affordable city, where drivers pay an average of $1,702 per year for car insurance.
Car insurance premiums differ across cities in Arkansas and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Arkansas’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Arkansas per month?
In Arkansas, a full coverage car insurance policy with 100/300/100 limits typically costs about $163 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $33 |
| Liability Only – 50/100/50 BI/PD | $49 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $163 |
Final thoughts on choosing car insurance in Arkansas
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Arkansas.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Arkansas. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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
