Cheapest Auto Insurance in Arkansas (2025)

Arkansas drivers pay an average of $94 per month for liability insurance and $176 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.

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

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 $94 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 $176 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.

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 $94 for liability coverage per month, while drivers with a DUI spend an average of $120 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.