Average Car Insurance Cost in Arkansas (2025)
Drivers in Arkansas pay an average of $130 per month for car insurance.
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On average, car insurance in Arkansas costs $90 per month for minimum coverage and $170 for full coverage. This is higher than the national average of $103 for minimum coverage and $182 for full coverage.
Car insurance rates in the Natural State have increased in recent years. Arkansas drivers may pay higher rates for a few reasons, including the state’s high percentage of uninsured drivers or underinsured motorists and high rate of serious accidents.1
But you can still save money on auto insurance within Arkansas by adjusting your coverage, changing your deductible, and shopping around for coverage.
Here’s what you should know about car insurance in Arkansas.
Quick Facts
The average annual rate for car insurance in Arkansas is $1,086 per month for minimum coverage and $2,043 for full coverage.
State Farm, USAA, and Progressive offer the lowest rates for car insurance in the state, on average.
Residents of Pine Bluff pay the highest rates for full-coverage policies in Arkansas.
How much is car insurance in Arkansas?
Car insurance in Arkansas is relatively expensive compared to the national average.
Arkansas law requires all drivers to have insurance coverage that meets 25/50/25 policy minimums. Liability policies cover bodily injury claims, property damage, medical expenses, and personal injury costs after an accident. Policies that meet state-minimum coverage requirements cost an average of $90 per month, or $1,086 per year.
Full-coverage policies provide more robust coverage, with collision, comprehensive, and liability insurance. On average, Arkansas drivers pay $170 per month, or $2,043 per year, for a full-coverage policy.
How Arkansas car insurance rates have changed over the past two years
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To find car insurance rates in Arkansas and the U.S. over the last two years, download our data here.
The average yearly price for full-coverage car insurance in Arkansas rose to more than $2,400 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though not as quickly as in Arkansas.
See how Arkansas car insurance prices have changed over the past two years below.
Average Arkansas car insurance rates by city
Car insurance rates can vary significantly by location, even down to the ZIP code. Drivers in some cities can pay hundreds more in annual rates for coverage than drivers in other areas. Cities with congested traffic or high crime rates tend to have more expensive average car insurance rates.
For example, drivers in Paragould pay an average of $159 per month for full-coverage insurance. By contrast, drivers in Pine Bluff pay $224 per month — which is higher than the state average. The higher rates make sense because Pine Bluff has a high crime rate, with a much higher incidence rate of property crimes than the rest of Arkansas.
Average Arkansas car insurance rates by age and gender
Your car insurance premiums vary based on several factors, including your age and gender. Teen drivers are generally more likely to have serious accidents than other age groups, so insurance companies charge them much higher rates. Rates typically decrease with age, but senior drivers 70 and older pay slightly higher rates due to aging-related risk factors.
By gender, men are statistically more likely to be in accidents or engage in risky behaviors like driving under the influence. Men often have higher premiums than women.2
Below, you can find average rates for Arkansas drivers by age and gender.
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.
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.
Average cost to insure popular vehicles in Arkansas
Agriculture is the largest industry within the state of Arkansas, according to the Arkansas Farm Bureau, so it makes sense that pickups are the most popular vehicles within the state. The four most popular vehicles in Arkansas in 2024 were all pickups.3
Considering that new pickups are quite expensive — many start at about $40,000 — insurance rates tend to be higher than the average for all vehicles. For example, full-coverage insurance for a Ram 1500, which starts at $40,275 for 2025, costs an average of $301 per month.
Below, you can see average monthly insurance quotes for full-coverage insurance for the five most popular vehicles in Arkansas.
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.
How your driving record affects car insurance rates in Arkansas
Your driving history has a significant effect on your car insurance rates. If you have a history of speeding tickets, at-fault accidents, or driving under the influence (DUI) convictions, you’ll pay a higher rate for car insurance.
The average cost of full-coverage car insurance for an Arkansas driver with an incident on their record is $202 per month.
Below, you can see average rates for a sample driver profile with an incident on their record. See how much insurance quotes increase for drivers with an incident.
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.
Arkansas allows insurance companies to consider a driver’s credit history during the underwriting process, and insurers can even review credit reports without the permission of drivers.4
On average, drivers with excellent credit pay lower average rates than drivers with poor credit.
Improving your credit by making all required payments on time and paying down debt can help you secure more affordable coverage.
Below, you can see average car insurance quotes by credit tier for Arkansas drivers.
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.
How to lower your insurance costs in Arkansas
Car insurance rates are higher than the national average in Arkansas, but the following tips can help you find cheap car insurance or reduce your insurance premiums:
Arkansas average car insurance cost FAQs
The following information can help answer your remaining questions about shopping for auto coverage in Arkansas.
On average, the annual rate for full-coverage car insurance policies for Arkansas drivers is $2,043. For a state-minimum liability coverage policy, the average annual rate is $1,086 per year.
State-minimum policies are the cheapest coverage option for drivers. Arkansas drivers may want to increase limits for bodily injury protection and property damage coverage for more protection.
In Arkansas, State Farm is the cheapest auto insurance company. On average, State Farm policyholders pay $47 per month for liability coverage.
USAA and Progressive also have affordable minimum coverage, on average.
Arkansas drivers pay an average of $130 per month for car insurance, which is higher than the national average of $143. Full-coverage policies in Arkansas cost an average of $170 per month in Arkansas. The average rate for policies meeting state-minimum requirements is $90 per month.
Based on customer satisfaction ratings, American Family, Auto-Owners, and State Farm are the best auto insurance companies in Arkansas.
In Arkansas, drivers must have coverage that at least covers $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 in property damage liability coverage. Optional coverages include uninsured/underinsured motorist coverage, collision insurance, and comprehensive insurance.
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