Cheapest Auto Insurance in Arkansas (2025)
The cheapest insurer in Arkansas is State Farm, which has rates as low as $47 per month.
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Arkansas drivers pay an average of $90 per month for liability insurance and $170 per month for full coverage. That’s more expensive than the national average and possibly because of the state’s fourth-highest traffic fatality rate in the U.S., with about 21 deaths per 100,000 people.1
Here’s what you should know about finding affordable car insurance in the Bear State.
Quick Facts
The cheapest company for full coverage in Arkansas is State Farm, with rates of $83 per month.
Arkansas follows modified comparative negligence standards, meaning you can only recover damages from the other driver if you’re less than 50% at fault in an accident.2
Insurance companies in Arkansas must offer a defensive driver discount for drivers age 55 and older who’ve successfully completed an approved course.3
3 of the cheapest car insurance companies in Arkansas
If you’re looking for cheap car insurance in Arkansas, consider different factors like your ZIP code, budget, driving record, annual mileage, and coverage needs. It’s also a good idea to compare several auto insurance companies to find one that offers a great deal.
To help you with your search, here are three of the cheapest car insurance companies in Arkansas.
State Farm
USAA
GEICO
State Farm vs. USAA and GEICO
If you’re shopping for car insurance in Arkansas, see how these three companies compare.
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
How to get the cheapest car insurance in Arkansas
Many car insurance companies offer auto policies to Arkansas drivers, and it can be hard to find the one that best fits your budget. These tips can help you land the lowest rates:
Look for discounts. Many car insurance companies offer discounts to customers, including an auto-pay discount, a multi-car discount, and a loyalty discount. Find out which discounts apply to you and take advantage of them.
Bundle policies. If you purchase your car insurance from the same company as your home insurance, renters insurance, or life insurance, you may be able to lock in more affordable auto insurance coverage.
Drive safely. Serious traffic violations, like speeding, at-fault accidents, and DUIs, can increase your car insurance costs. For the cheapest rates, do your best to be a safe driver.
Own a safe vehicle. Driving a vehicle with excellent safety scores can mean big savings.
Compare quotes. Use a quote-comparison tool or work with a car insurance agent to get quotes from at least three different car insurance companies. Then, choose the auto insurance company with the cheapest premiums and the right coverage for your needs.
Cheapest liability-only car insurance quotes in Arkansas: State Farm
Arkansas law requires drivers to purchase liability-only car insurance. This coverage pays for other people’s property damage and injuries after an accident you cause. Liability-only policies in Arkansas cost an average of $90 per month.
Here’s a look at the most affordable quotes for liability insurance in the state.
Cheapest full-coverage car insurance quotes in Arkansas: State Farm
Full-coverage car insurance usually includes liability coverage, collision coverage, and comprehensive coverage. It offers additional protection on the road, and you may need it if you finance or lease your vehicle. Arkansas drivers pay an average of $170 per month for full-coverage car insurance.
The table below shows the best quotes for a full-coverage policy in Arkansas.
Car insurance requirements in Arkansas
Arkansas is an at-fault state, also called a tort state. This means the driver responsible for the accident must pay for the damages and injuries they cause to drivers and passengers in another vehicle. Arkansas car insurance laws are unique in that they follow modified comparative negligence standards.
Under modified comparative negligence standards, you can collect damages from the other driver only if you’re less than 50% at fault. The Bear State requires bodily injury liability coverage and property liability coverage and mandates proof of insurance when law enforcement requests it.
Here are the minimum insurance requirements in Arkansas:
While the coverage amounts above meet the minimum requirements in Arkansas, you might want to upgrade your coverage with any of the following options:
Average cost of car insurance by age
Insurance companies consider your age when determining premiums. Teen drivers pay higher car insurance premiums than other age groups due to their limited experience behind the wheel. Average rates generally decrease around age 25 and start to increase again around age 70.
Because of impairments like poor vision and slower reflexes, seniors’ driving capabilities may cause their risk of an accident to increase.4 But senior drivers still typically pay lower-than-average rates.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance in Arkansas by driving record
If your driving record has at-fault accidents, speeding tickets, or driving under the influence (DUI) violations, insurers may perceive you as a high-risk driver and charge you more expensive premiums. But some incidents carry a heavier penalty. If you’re convicted of a DUI in Arkansas, for example, you may face a license suspension, fines, be required to have an ignition interlock device, and more.5
On average, Arkansas drivers with a clean record usually pay $90 for liability coverage per month, while drivers with a DUI spend an average of $116 per month.
How car insurance rates have changed in Arkansas
Average annual full-coverage costs in Arkansas increased to more than $2,400 in 2024 — a 25% increase from 2023, according to an Insurify report. Full-coverage rates also rose nationally due to factors like increased climate disasters and higher vehicle repair costs.
The chart below shows how car insurance rates in Arkansas have changed over the past two years.
Where you live in Arkansas, even down to your ZIP code, can affect your car insurance rates. Drivers living in populated areas with higher crime and accident rates generally pay more for insurance than drivers in rural areas.
Arkansas car insurance FAQs
Before you begin to shop around for car insurance, it’s important to figure out the right amount of coverage you’ll need on the road. The following information should help as you’re researching your insurance coverage options in Arkansas.
The average cost of car insurance in Arkansas is $90 per month for liability insurance and $170 per month for full coverage.
State Farm, USAA, and Progressive offer the cheapest liability insurance coverage in Arkansas, with rates of $47, $57, and $69 per month, respectively.
But the best way to find the cheapest rates for your situation is to compare quotes from at least three different insurers for the same coverage level. The more quotes you get, the better, so shopping around with an online comparison tool can help.
Some of the best car insurance companies in Arkansas include State Farm, GEICO, and USAA. These insurers have solid AM Best financial strength ratings, strong Insurify Quality (IQ) Scores, and relatively cheap rates for drivers.
Arkansas requires drivers to maintain 25/50/25 minimum insurance coverage. This translates to $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 per accident in property damage liability coverage.
Arkansas drivers can reduce car insurance costs by looking for discounts, maintaining clean driving records, bundling insurance policies, and comparing quotes regularly.
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