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.
This comprehensive guide to buying car insurance for Arkansas drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to get a clear idea of how car insurance in Arkansas works and how much coverage you need.
- Travelers provides the most affordable annual rates for full coverage car insurance in Arkansas, at $1,442 per year.
- In Arkansas, car insurance costs can change based on the type of coverage, coverage limits, age, location, make and model of your car and your driving record.
- 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.
- 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%.
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.
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 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
Arkansas’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability.
The state minimum car insurance cost in Arkansas is $397 a year. However, this basic coverage only offers limited protection. Arkansas drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Arkansas must purchase the minimum required car insurance to operate their vehicles on the road.
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.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. 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.
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.
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.
Arkansas car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
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 example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
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.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Arkansas, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, 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
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 65% as insurers categorize you as a high-risk driver.
If you get caught speeding in Arkansas, your car insurance rates will increase by 36% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
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.
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.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,599 |
| Travelers | $2,107 |
| State Farm | $2,361 |
| Nationwide | $2,584 |
| Geico | $3,059 |
| Farmers | $3,695 |
| Progressive | $3,762 |
| Allstate | $3,984 |
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.
Start your search for the best car insurance policy in Arkansas by getting quotes from several insurers for comparison.
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 |
Car insurance rates by city in Arkansas
Snow Lake is Arkansas’s most expensive city for car insurance at an average cost of $2,205 annually. Hartford is the state’s least expensive city, with an average car insurance rate of $1,702 annually.
Car insurance rates vary by city in Arkansas for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
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.
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.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,165 |
| Nationwide | $1,492 |
| Travelers | $1,593 |
| Shelter Insurance | $1,654 |
| Geico | $1,924 |
| Southern Farm Bureau | $2,169 |
| State Farm | $2,229 |
| Farmers | $2,247 |
| Progressive | $2,517 |
| Allstate | $2,823 |
How much does car insurance cost in Arkansas per month?
Car insurance in Arkansas costs an average of $163 a month for a full coverage policy with 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.
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
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 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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