- The average cost of car insurance in Arkansas is $2,942 a year or $245 per month, based on our data analysis.
- Minimum liability coverage in Arkansas costs around $645 annually for limits of 25/50/25, while liability-only coverage costs $707 per year for limits of 50/100/50.
- GEICO provides the most affordable annual rates for full coverage car insurance in Arkansas, costing $1,918 per year.
- In Arkansas, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 37%, a DUI raising rates by 57%, and an at-fault accident by up to 57%.
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. GEICO offers the cheapest rates at $1,918 a year for full coverage.
This guide makes buying car insurance in Arkansas easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Arkansas works and how much coverage you need.
How much is car insurance in Arkansas?
According to CarInsurance.com data, drivers in Arkansas pay about $245 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 $802 a month or $9,626 a year.
- Young drivers in their 20s pay an average of $377 monthly or $4,529 annually, for car insurance.
- Senior drivers pay around $230 monthly or $2,762 a year.
- A speeding ticket can increase your rates to $336 monthly or $4,033 annually.
- An at-fault accident increases car insurance rates to $386 a month or $4,627 a year.
- Poor credit drivers usually see their car insurance costs increase to $447 monthly or $5,364 annually.
Average cost of auto insurance in Arkansas by coverage level
In Arkansas, car insurance rates can differ depending on how much coverage you choose. Drivers in Arkansas are required by law to have minimum insurance coverage limits of 25/50/25 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Arkansas, but it doesn’t offer adequate 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.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Arkansas for different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $54 | $645 |
| Liability Only – 50/100/50 BI/PD | $59 | $707 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $245 | $2,942 |
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 $645 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
The average cost of liability-only insurance in Arkansas is $707 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
In Arkansas, you can expect to pay around $2,942 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 rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
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.
This means that residents in higher-risk neighborhoods in Arkansas have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
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!
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
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.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Arkansas drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $2,824 annually.
Car insurance for drivers aged 16-19 costs $6,802 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 $9,626 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $4,361 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,824 per year in Arkansas.
- For senior drivers: Drivers age 65 and older can expect to pay $2,762 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Arkansas
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Arkansas, a DUI conviction lead to increased rates and you may see a rate hike of up to 57% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Arkansas, be prepared for your car insurance rates to rise by up to 37% 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.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 37% increase
- DUI conviction: 57% increase
- At-fault accident (bodily injury and property damage): 57% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
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 car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Arkansas by getting quotes from different insurance companies.
Below are the details of Arkansas car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $390 | $452 | $1,918 |
| Shelter Insurance | $493 | $560 | $1,934 |
| Auto-Owners | $494 | $428 | $2,580 |
| Nationwide | $700 | $678 | $2,681 |
| Farmers | $858 | $921 | $2,760 |
| Southern Farm Bureau | $625 | $683 | $3,190 |
| Progressive | $629 | $765 | $3,619 |
| Allstate | $926 | $981 | $3,798 |
| Alfa Insurance | $692 | $895 | $4,008 |
Car insurance rates by city in Arkansas
Pine Bluff is Arkansas’s most expensive city for car insurance at an average cost of $3,131 annually. Bentonville is the state’s least expensive city, with an average car insurance rate of $2,582 annually.
Car insurance costs differ from city to city in Arkansas, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Arkansas’s major 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?
The average cost of a full-coverage car insurance policy in Arkansas costs $245 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
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 | Monthly rates |
|---|---|
| State Minimum BI/PD | $54 |
| Liability Only – 50/100/50 BI/PD | $59 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $245 |
Final thoughts on choosing car insurance in Arkansas
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
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 April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
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
