- 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%.
The cost of car insurance in Arkansas varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Travelers offers the cheapest rates at $1,442 a year for full coverage.
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?
In Arkansas, drivers pay an average of $163 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
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
In Arkansas, the cost of car insurance can vary depending on how much coverage you purchase. Arkansas drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Arkansas. However, they don’t offer much protection.
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.
In Arkansas, you can get state minimum car insurance for $397 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Arkansas must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Arkansas
The average cost of liability-only insurance in Arkansas is $589 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Arkansas
On average, premiums for full coverage car insurance in Arkansas cost $1,957 per year 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, people living in higher-risk neighborhoods of Arkansas have to pay more than those living where the risks are lower.
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 ( Liability - Minimum)
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Estimate car insurance in Arkansas by car model
In Arkansas, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
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.
Find out how much you’ll pay for car insurance for your vehicle 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
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or 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.
Car insurance for drivers aged 16-19 costs $4,673 more annually than Arkansas drivers aged 30-60.
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 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,887 per year in Arkansas.
- For senior drivers: Drivers age 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.
If you receive a speeding ticket in Arkansas, be prepared for your car insurance rates to rise by up to 36% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider 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, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
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.
Below are the details of Arkansas car insurance companies and their 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.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your 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.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving 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.
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