You can find the cheapest full-coverage car insurance in Arkansas for $120 a month from Travelers. It saves you $43 compared to the state average car insurance cost of $163 monthly.
Shopping for car insurance in Arkansas can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in Arkansas should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Among the companies analyzed by CarInsurance.com, Travelers stands out as the cheapest option for full coverage car insurance in Arkansas, with an insurance premium of $120 per month.
- Drivers in Arkansas with a clean record pay 39% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Arkansas is Hartford, with an annual premium of $1,702.
- Arkansas drivers can save up to 26% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance in Arkansas?
Travelers offers the cheapest car insurance rates in Arkansas for a full coverage policy with an average premium of $120 per month or around $1,442 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Arkansas by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Arkansas per month
| Company | Full coverage monthly rates |
|---|---|
| Travelers | $120 |
| Nationwide | $125 |
| Shelter Insurance | $141 |
| Geico | $149 |
| Southern Farm Bureau | $160 |
| State Farm | $172 |
| Farmers | $187 |
| Progressive | $203 |
| Allstate | $227 |
| Alfa Corporation | $269 |
| USAA* | $91 |
Note: USAA is only available to military community members and their families.
Who pays the lowest auto insurance premiums in Arkansas?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 13% less than single drivers.
- Arkansas drivers with clean records pay 39% less than drivers who have a DUI on their record.
- Arkansas drivers in their 20s pay 64% lower rates for insurance than a 16-year-old in Arkansas.
- Adding a teen to your policy will cost you 74% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 27% less on their insurance premiums.
- Drivers insured for three or more years can save up to 26% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 1% for this state more on their premiums.
Cheapest companies for different coverage levels in Arkansas
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Geico is the cheapest for a state minimum policy.
- Geico has the cheapest rates for a liability-only policy (50/100/50).
- Travelers offers the cheapest car insurance for a full coverage policy (100/300/100) in Arkansas.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Arkansas
In Arkansas, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists Arkansas’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| Geico | $285 |
| Southern Farm Bureau | $337 |
| Progressive | $375 |
| State Farm | $401 |
| Nationwide | $402 |
| Shelter Insurance | $414 |
| Travelers | $432 |
| Alfa Corporation | $522 |
| Farmers | $556 |
| Allstate | $629 |
| USAA* | $208 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Arkansas
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Arkansas, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Geico | $383 |
| State Farm | $520 |
| Shelter Insurance | $531 |
| Southern Farm Bureau | $546 |
| Travelers | $566 |
| Nationwide | $590 |
| Progressive | $718 |
| Allstate | $785 |
| Alfa Corporation | $898 |
| Farmers | $908 |
| USAA* | $320 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Arkansas
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Arkansas, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full coverage annual rates |
|---|---|
| Travelers | $1,442 |
| Nationwide | $1,503 |
| Shelter Insurance | $1,690 |
| Geico | $1,794 |
| Southern Farm Bureau | $1,926 |
| State Farm | $2,060 |
| Farmers | $2,248 |
| Progressive | $2,431 |
| Allstate | $2,729 |
| Alfa Corporation | $3,225 |
| USAA* | $1,090 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Arkansas, by driving history
Your driving history affects how much you pay for insurance in Arkansas because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $723 more annually in Arkansas than an individual with a clean driving record.
Cheap car insurance in Arkansas after a speeding ticket
If you have a speeding ticket on your Arkansas driving record and you are looking for cheap car insurance, Geico offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,308 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Geico | $1,070 | $1,308 | 22% | $238 |
| State Farm | $1,318 | $1,423 | 8% | $104 |
| Farmers | $1,515 | $1,975 | 30% | $460 |
| Travelers | $1,287 | $2,029 | 58% | $742 |
| Progressive | $1,677 | $2,318 | 38% | $641 |
| Nationwide | $1,377 | $2,403 | 74% | $1,025 |
| Auto-Owners | $1,711 | $2,417 | 41% | $706 |
| Auto Club Enterprises (AAA) | $1,599 | $2,466 | 54% | $867 |
| Allstate | $2,217 | $2,585 | 17% | $368 |
| USAA* | $1,060 | $1,258 | 19% | $199 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance in Arkansas after a DUI conviction
Geico offers the cheapest car insurance to Arkansas drivers with a DUI conviction at $1,292 per year and State Farm has the second-cheapest insurance premiums at $1,423 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 39% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| Geico | $1,070 | $1,292 | 21% | $222 |
| State Farm | $1,318 | $1,423 | 8% | $104 |
| Progressive | $1,677 | $2,003 | 19% | $326 |
| Travelers | $1,287 | $2,007 | 56% | $720 |
| Farmers | $1,515 | $2,043 | 35% | $527 |
| Auto Club Enterprises (AAA) | $1,599 | $2,744 | 72% | $1,146 |
| Allstate | $2,217 | $2,967 | 34% | $750 |
| Auto-Owners | $1,711 | $3,758 | 120% | $2,048 |
| Nationwide | $1,377 | $4,231 | 207% | $2,854 |
| USAA* | $1,060 | $2,027 | 91% | $967 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in Arkansas
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,527.
Geico is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,841.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,318 | $1,527 | 16% | $209 |
| Geico | $1,070 | $1,841 | 72% | $771 |
| Travelers | $1,287 | $1,848 | 44% | $562 |
| Farmers | $1,515 | $2,125 | 40% | $610 |
| Nationwide | $1,377 | $2,347 | 70% | $970 |
| Auto Club Enterprises (AAA) | $1,599 | $2,760 | 73% | $1,161 |
| Auto-Owners | $1,711 | $2,872 | 68% | $1,161 |
| Progressive | $1,677 | $2,986 | 78% | $1,309 |
| Allstate | $2,217 | $3,273 | 48% | $1,056 |
| USAA* | $1,060 | $1,546 | 46% | $487 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Arkansas
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Arkansas, Hartford stands out as the city with the lowest auto insurance rates, at an average of $1,702 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Arkansas with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Hartford | $1,702 |
| Delaware | $1,747 |
| Mulberry | $1,747 |
| Yellville | $1,750 |
| Pyatt | $1,760 |
| Oakland | $1,769 |
| Kingston | $1,778 |
| Hindsville | $1,780 |
| Pettigrew | $1,782 |
| Pocahontas | $1,786 |
Learn about the 10 most important factors that affect car insurance rates
Average savings on car insurance in Arkansas
If you compare car insurance quotes, you could enjoy an annual saving of around 26% on a full coverage policy in Arkansas.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Arkansas: Save on premiums
Arkansas drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Arkansas.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 1% | $23 |
| Anti-theft device | 2% | $53 |
| Daily commute | 8% | $170 |
| Days advanced purchase | 6% | $131 |
| Days per week driven | 1% | $20 |
| Education | 12% | $271 |
| Electronic funds transfer | 4% | $94 |
| Homeowner | 5% | $120 |
| Lower annual mileage | 5% | $91 |
| Loyalty – years renewal with company | 8% | $148 |
| Marital status | 13% | $307 |
| Multi policy | 9% | $183 |
| Paperless/electornic documents | 4% | $110 |
| Payment type | 9% | $196 |
| Primary use | 11% | $217 |
| Profession | 9% | $189 |
| Safety devices | 4% | $109 |
| Telematics | 9% | $151 |
| Years insured | 25% | $889 |
| Years licensed | 25% | $972 |
The bottom line on cheap auto insurance in Arkansas
Based on our findings, Travelers provides the cheapest rates for a full coverage policy in Arkansas if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Arkansas, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Arkansas for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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