Best Car Insurance in Arkansas (2025)

State Farm, USAA, and Shelter are three of the best car insurance companies in Arkansas. Here’s how to find the best car insurance for you.

Updated

Save up to $1,025† by comparing quotes from the top 120+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

From Little Rock to El Dorado, many quality insurers serve the state of Arkansas. But finding the car insurance company that best fits your priorities and budget can feel overwhelming.

To help you narrow your search and find the best car insurance companies in Arkansas, Insurify analyzed more than 50 auto insurers, comparing rates, ratings, coverage options, and savings.

Here’s what Arkansans need to know to find the best car insurance in the state.

Best car insurance companies in Arkansas

Some of the best car insurance companies in Arkansas offer a variety of coverage options, affordable pricing, strong customer service, and a wide range of discounts. But the best car insurance company for you will depend on your needs and budget.

Here are five of the best car insurance companies in the Natural State.

State Farm: Best for teens and young drivers

USAA: Best for military members

Shelter: Best for customer satisfaction

GEICO: Best for discounts

Auto-Owners: Best for student discounts

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in Arkansas to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

How to get the best car insurance in Arkansas

If you want to find the best car insurance Arkansas has to offer, consider the following tips:

Average cost of car insurance in Arkansas

The overall average cost of car insurance in Arkansas is $130 per month. Coverage in the Natural State is more expensive than the overall national average of $143 per month. The high rate of roadway fatalities in Arkansas may help explain why insurance premiums are more expensive than the national average.4

Additionally, Arkansans have felt the burden of increased personal and commercial insurance rates over the past few years due to storm-related claims.5

Your insurance premiums will vary based on many individual factors, including your age, ZIP code, credit history, driving record, and the type of coverage you need.

Best car insurance in Arkansas FAQs

If you still have questions about which companies offer the best car insurance in Arkansas, check out the following information.

  • What are the best car insurance companies in Arkansas?

    State Farm, USAA, and Shelter top the list of the best car insurance companies in Arkansas. But the best insurance company for you will depend on your individual needs and budget.

  • What is the required auto insurance coverage amount in Arkansas?

    The minimum coverage requirements for insurance in Arkansas include $25,000 per person for bodily injury, $50,000 per car accident, and $25,000 for property damage to other drivers’ property.

    Arkansas insurers may offer uninsured motorist and MedPay to all policyholders, but these coverages can be declined by signing a waiver.

Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Jessica has been a contributor at Insurify since July 2023.

Learn More
linkedin