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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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The average rate for car insurance in Arkansas is $188 per month, compared to the national average of $151. Arkansas drivers may pay less for auto coverage because much of the state has a low-risk rating in the FEMA National Risk Index and lower-than-average vehicle repair and healthcare costs.
Although Arkansas may not offer the cheapest car insurance available, many insurance companies offer rates well below the statewide average. Our research found that State Farm offers the lowest average rates for many drivers, at just $33 per month.
We analyzed dozens of Arkansas car insurers to find the cheapest options by driver profile, coverage type, and city. Keep reading to learn more.
State Farm, USAA, and GEICO are the cheapest car insurance companies in Arkansas.
Arkansas requires drivers to have a minimum of 25/50/25 bodily injury liability coverage and property damage liability.
Drivers in Little Rock can find the cheapest auto insurance rates with State Farm, at just $38 per month.
Regardless of average rates in Arkansas, you can get the coverage you need at an affordable price. Several companies offer cheap car insurance below the average rate.
Here are the five cheapest car insurers in Arkansas, according to Compare.com.data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $33 |
| USAA | $40 |
| GEICO | $49 |
| Auto-Owners | $56 |
| Root | $72 |
| Shelter | $72 |
| Farmers | $73 |
| Allstate | $73 |
| Nationwide | $73 |
| Travelers | $77 |
| Progressive | $78 |
| Safeco | $92 |
| GAINSCO | $98 |
| National General | $101 |
| Dairyland | $106 |
| The General | $133 |
| Bristol West | $144 |
| Liberty Mutual | $148 |
| Direct Auto | $195 |
State Farm has the lowest rates in Arkansas, averaging just $33 per month.
The following sections break down the cheapest car insurance companies by rating factors such as driver age, driving record, and coverage type.
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The car insurance companies listed above are a good starting point for comparing car insurance quotes. Still, your personal rate can vary significantly based on factors like your age, credit, driving record, and ZIP code.
Let’s take a look at companies offering the cheapest premiums for a variety of drivers and coverage types, according to Compare.com.
Driver/Coverage Type ▲▼ | Cheapest Insurer ▲▼ | Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|
| State-minimum coverage | State Farm | $33 |
| Full coverage | State Farm | $60 |
| Teens | State Farm | $59 |
| Seniors | State Farm | $25 |
| Drivers with a speeding ticket | State Farm | $43 |
| Drivers with an at-fault accident | State Farm | $46 |
| Drivers with a DUI | State Farm | $55 |
| Drivers with excellent credit | State Farm | $27 |
| Drivers with poor credit | State Farm | $45 |
In the next sections, we dive a bit deeper into the different driver types and coverages to help you find the car insurance companies with the cheapest average rates.
Compare personalized rates from Arkansas’ cheapest companies.
The average rate for minimum coverage in Arkansas is $123 per month, according to Compare.com data.
Though you only need the state minimum to legally drive in the Natural State, many insurance experts recommend buying liability coverage that matches or exceeds your net worth. If not, you could be financially responsible if you cause a serious accident with personal injury or property damage that exceeds your liability limits.
The chart below shows the five cheapest insurers in Arkansas for state-minimum coverage, according to Compare.com data.
State Farm is the cheapest insurance company for minimum coverage in Arkansas, with an average monthly cost of $33.
Most Arkansas drivers should consider full-coverage car insurance because it protects you and your vehicle in a car accident, regardless of fault. Besides liability insurance, full coverage typically includes comprehensive, collision, personal injury protection (PIP), and uninsured motorist coverage.
The average full-coverage premium in Arkansas is $254 per month, according to Compare.com data. Check out the chart below to see the five cheapest insurance companies for full coverage in Arkansas.
$State Farm is the cheapest car insurance company for full coverage in Arkansas, with an average rate of 60 per month.
Teen drivers are the most expensive age group to insure due to inexperience and riskier driving behaviors, which increase their chances of car accidents, according to the Arkansas State Police. The average cost of car insurance for a teen in Arkansas is $325 per month, according to Compare.com data.
Adding a teen to your policy can get pricey. We found five car insurance companies with lower average rates for families with teens in Arkansas.
State Farm has an average monthly rate of $59, making it the cheapest insurance company for Arkansas teens.
Seniors often get the cheapest rates of any age group because they drive less frequently and are more cautious behind the wheel. The average cost for senior car insurance in Arkansas is $149 per month, according to Compare.com data.
Arkansas seniors may enjoy even cheaper car insurance premiums from the following companies, according to our data.
The cheapest company for seniors in Arkansas is State Farm. Its average rates come in around $25 per month.
You may not think a speeding ticket is a big deal, but it can cause an average rate increase of 29% nationwide, according to Compare.com data. Arkansas drivers with a recent speeding ticket pay an average of $271 per month for car insurance.
If you have a recent ticket on your driving record, consider getting insurance quotes from the following five insurers. Our data shows that these companies have the cheapest car insurance rates for Arkansans with speeding tickets.
State Farm is the cheapest car insurance company in Arkansas for drivers with a recent speeding ticket. Its average monthly cost is $43.
One at-fault car accident will affect your car insurance rates. In fact, a single at-fault crash increases rates by an average of 33% nationwide. Arkansas drivers pay an average rate of $284 per month, according to our data.
But it’s possible to find cheap car insurance after an accident. The chart below shows Arkansas’ five cheapest car insurance companies for drivers with a recent at-fault accident, according to Compare.com data.
The cheapest insurance company for Arkansas drivers after an accident is State Farm, averaging $43 per month.
A DUI conviction can have a serious effect on your car insurance premiums. Based on our research, the national average rate increase after a DUI conviction is 61%. And the average rate for an Arkansas driver with a DUI conviction on their driving record is $322 per month, according to Compare.com data.
The chart below lists the five cheapest auto insurance companies in Arkansas for drivers with a DUI conviction, according to our analysis.
State Farm is the cheapest Arkansas insurance company for drivers with a DUI conviction, with an average cost of $55 per month.
Unlike some states, Arkansas allows auto insurance companies to use your credit as a rating factor when determining premiums. That said, having bad credit can be costly. For example, drivers with poor credit pay an average of 42% more than people with excellent credit histories.
The average cost of car insurance for drivers with poor credit in Arkansas is $227 per month, according to our data.
If you’re still working on your credit, State Farm would be a great option to check out. It’s the cheapest car insurance company in Arkansas, offering an average rate of $45 per month for Arkansas drivers with less-than-perfect credit.
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Car insurance premiums can also vary widely from city to city. Crime rates, weather events, population density, and vehicle repair costs differ by ZIP code. That’s why you’ll notice higher insurance rates in one city but cheaper rates in a neighboring area.
The table below highlights major cities in the Natural State and the cheapest car insurance company and its average monthly premium for each, according to Compare.com data.
City ▲▼ | Cheapest Insurer ▲▼ | Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|
| Little Rock | State Farm | $38 |
| Fort Smith | State Farm | $31 |
| Fayetteville | State Farm | $31 |
| Springdale | State Farm | $32 |
| Jonesboro | State Farm | $34 |
State Farm is the cheapest car insurance company in Little Rock (the largest city in Arkansas). But its average rate of $38 per month may not be the cheapest option for you.
That’s why it’s important to compare car insurance quotes from multiple companies to find the best rate for your specific coverage needs.
See which Arkansas insurers offer you the best rates around.
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Like most U.S. states, Arkansas drivers must have car insurance to legally drive. The Arkansas Department of Motor Vehicles (DMV) requires drivers to have state-minimum coverage in the following amounts:
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$25,000 in property damage liability per accident
Driving in Arkansas without car insurance may result in fines, vehicle suspension and impoundment, and SR-22 insurance requirements.
Around 15% of drivers in Arkansas don’t have insurance, according to the Insurance Information Institute (Triple-I). Uninsured motorist coverage isn’t a requirement in Arkansas, but the added protection is worth considering. It’ll pay for your damages if another driver causes an accident and doesn’t have any car insurance or enough coverage.
Most car insurance experts advise buying more than your state’s minimum-coverage requirements to protect yourself financially in case of a lawsuit from a car accident you cause.
Lenders typically require you to have full coverage with comprehensive and collision insurance when you finance or lease a vehicle. You should also consider gap insurance, which pays off your loan or lease if you total your car and it’s worth less than your remaining balance.
Knowing how much Arkansas car insurance is can help you find the right coverage for your budget. We answered the most common questions drivers ask about getting cheap car insurance in Arkansas.
State Farm offers the cheapest car insurance in Arkansas, according to Compare.com data. Its average rate is $33 per month.
The average cost of Arkansas car insurance is $188 per month. For state-minimum coverage, the average monthly rate is $123. The average rate for full coverage is $254.
The minimum car insurance requirement in Arkansas is $25,000 per person and $50,000 per accident for bodily injury and $25,000 per accident for property damage liability. It’s a good idea to buy higher liability limits for more protection in case of a serious accident.
Full-coverage car insurance costs an average of $254 per month in Arkansas. Rates will vary depending on your coverage choices and personal factors like your age, driving record, and credit history.
Arkansas’ most recent car insurance law went into effect Jan. 1, 2020. Under the new law, every driver must have car insurance, and officers are able to see drivers’ insurance status in real time. If you don’t provide law enforcement proof of car insurance, the state gives you 30 days to comply, or it’ll suspend your vehicle registration. You’ll also have to pay $100 to reinstate your registration.
FEMA, “National Risk Index,” accessed January 22, 2025.
World Population Review, “Auto Repair Rates by State 2024,” accessed January 22, 2025.
World Population Review, “Health Care Costs by State 2024,” accessed January 22, 2025.
Arkansas Department of Public Safety, “Why do teenage drivers face higher risks of being involved in motor vehicle crashes?,” accessed January 22, 2025.
Arkansas Department of Motor Vehicles, “Arkansas Auto Insurance,” accessed January 22, 2025.
Insurance Information Institute, “Facts + Statistics: Uninsured motorists,” accessed January 22, 2025.
FOX16, “New Arkansas auto insurance law goes into effect,” accessed January 22, 2025.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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