Cheapest for: Minimum liability | Full coverage | Prior incidents | Young drivers
Best & Cheapest Car Insurance Quotes in Arkansas (2024)
State Farm has the best cheap car insurance in Arkansas, at $101 per month for full coverage.
Find Cheap Auto Insurance Quotes in Arkansas
Best cheap car insurance in Arkansas
How we chose the top companies
Best and cheapest car insurance in Arkansas
- Cheapest full coverage: State Farm, $101/mo
- Cheapest minimum liability: State Farm, $31/mo
- Cheapest for young drivers: Farm Bureau, $91/mo
- Cheapest after a ticket: State Farm, $107/mo
- Cheapest after an accident: State Farm, $115/mo
- Cheapest for teens after a ticket: Farm Bureau, $101/mo
- Cheapest after a DUI: Farm Bureau, $132/mo
- Cheapest for poor credit: Farm Bureau, $199/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm, Farm Bureau and Shelter all have good customer support and cheaper rates than average. State Farm and Shelter both offer online quotes, so you can quickly find the cheapest rates for you. But you'll have to contact an agent to get a quote from Farm Bureau
Cheapest car insurance in Arkansas: State Farm
State Farm has the best cheap full coverage insurance in Arkansas.
At $101 per month, full coverage from State Farm is $56 per month cheaper than the Arkansas average.
Find Cheap Auto Insurance Quotes in Arkansas
Arkansas drivers with military ties can get even cheaper rates at USAA.
Full coverage insurance from USAA costs around $75 per month, which is $26 cheaper than State Farm. However, only military members, veterans and their families can buy car insurance from USAA.
Cheap full coverage insurance in Arkansas
Company | Monthly rate | |
|---|---|---|
| State Farm | $101 |
| Farm Bureau | $110 |
| Shelter | $141 |
| Nationwide | $162 |
| Geico | $186 |
*USAA is available only to current and former military members and their families.
Cheapest liability car insurance in Arkansas: State Farm
State Farm has the cheapest liability insurance quotes in Arkansas, at $31 per month.
That's $21 per month less than the Arkansas state average.
Arkansas drivers can also find cheap liability coverage at Farm Bureau and USAA. But only veterans, members of the military and their families can get USAA insurance.
Best cheap liability insurance in Arkansas
Company | Monthly rate |
|---|---|
| State Farm | $31 |
| Farm Bureau | $35 |
| Progressive | $51 |
| Shelter | $54 |
| Nationwide | $56 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Arkansas
Cheap AR car insurance for teens: Farm Bureau
Young drivers can find the most affordable car insurance in Arkansas at Farm Bureau.
Liability-only insurance from Farm Bureau costs $91 per month for an 18-year-old. That's $86 per month cheaper than average. Farm Bureau also has the cheapest full coverage quotes, at $217 per month.
Cheapest insurance in Arkansas for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $91 | $217 |
| State Farm | $108 | $296 |
| Shelter | $135 | $345 |
| Geico | $144 | $417 |
| Travelers | $205 | $463 |
If you or one of your family members is a veteran or current military member, you should compare quotes from USAA. At just $54 per month, liability insurance from USAA is even cheaper than Farm Bureau.
The best way for Arkansas teens to find cheap car insurance is to share a policy with their parents.
Age is one of several factors insurance companies use when calculating your rates. Your age often has a big impact on rates.
In Arkansas, 18-year-olds pay three times as much as drivers in their 30s. However, once you're older and have more driving experience, the cost of car insurance typically decreases.
Cheap Arkansas car insurance after a speeding ticket: State Farm
State Farm is the best insurance company for Arkansas drivers with a speeding ticket. Its full coverage policy costs around $107 per month after a single speeding ticket. That's cheaper than the state average by $84 per month.
Cheapest Arkansas auto insurance quotes after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $107 |
| Farm Bureau | $120 |
| Shelter | $148 |
| Nationwide | $212 |
| Geico | $216 |
Arkansas drivers with one speeding ticket pay 22% more for full coverage insurance than those with a clean record. That's an average increase of $34 per month for full coverage.
Rates go up after traffic tickets because drivers with a ticket are more likely to cause an accident in the future. This makes them more expensive to insure.
Cheap insurance in Arkansas after an accident: State Farm
State Farm is the best company for cheap car insurance after an accident in Arkansas. Full coverage from State Farm costs just $115 per month after an at-fault accident. That's half the average cost of insurance after an accident in Arkansas, which is $234 per month.
Most affordable car insurance in Arkansas with an accident
Company | Monthly rate |
|---|---|
| State Farm | $115 |
| Farm Bureau | $143 |
| Shelter | $241 |
| Farmers | $266 |
| Nationwide | $273 |
On average, drivers in Arkansas can expect their rates to go up by 49% after one at-fault accident. Insurance companies may raise rates after you've caused an accident because you're more likely to be in future accidents.
If you've caused a crash recently, don't rush to switch insurance companies right away.
Your current company typically won't raise your rates until your policy renews. You should wait to compare quotes until a few weeks before your current coverage ends, then switch at the end of your policy term.
Best for teens with a ticket or accident in AR: Farm Bureau
Farm Bureau has the best rates for young drivers after a ticket or accident.
A liability-only policy from Farm Bureau costs $101 per month for an 18-year-old with a speeding ticket. That's half the Arkansas state average for teens after a speeding ticket.
Farm Bureau charges young drivers around $123 per month for liability insurance after an accident. That's $112 per month cheaper than average.
Cheapest quotes for teens after a speeding ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $101 | $123 |
| State Farm | $118 | $129 |
| Shelter | $140 | $264 |
| Geico | $161 | $209 |
| Nationwide | $257 | $263 |
Arkansas teens can expect their rates to go up by about 15% after a speeding ticket and 33% after an accident. Both usually increase your car insurance quotes because insurance companies believe you're more likely to cause an accident in the future.
Shopping around for the cheapest rates is even more important for teens with a bad driving record.
There's a difference of $217 per month between the cheapest company after an accident, State Farm, and the most expensive, Farmers. This means you could save a lot of money just by switching companies.
Cheap auto insurance in Arkansas after a DUI: Farm Bureau
Farm Bureau offers the most affordable car insurance for Arkansas drivers with a DUI , at $132 per month. That's less than half the Arkansas average after a DUI, which is $276 per month.
Best car insurance for a DUI in Arkansas
Company | Monthly rate |
|---|---|
| Farm Bureau | $132 |
| Shelter | $217 |
| Progressive | $229 |
| Farmers | $257 |
| Allstate | $268 |
A DUI or DWI is one of the most serious driving tickets. It raises rates an average of 76% in Arkansas.
Comparing rates can help drivers with a DUI find more affordable quotes. But driving responsibly for a while is the only way to get your rates back to where they were before.
Cheap Arkansas car insurance quotes for drivers with poor credit: Farm Bureau
Farm Bureau offers the cheapest full coverage quotes for drivers with poor credit, at $199 per month. That's cheaper than the average cost for Arkansas drivers with bad credit by $108 per month.
Best car insurance in Arkansas with poor credit
Company | Monthly rate |
|---|---|
| Farm Bureau | $199 |
| Nationwide | $252 |
| Shelter | $272 |
| Geico | $283 |
| Farmers | $292 |
Arkansas drivers with bad credit pay nearly twice as much for car insurance as those with a good credit score. Insurance companies use credit scores to help calculate rates because they found drivers with poor credit are more likely to file insurance claims.
Drivers with poor credit can save money on car insurance by qualifying for discounts or changing their coverage.
If you're a good driver with a poor credit score, you should consider signing up for a safe driving program. You may save a lot of money by allowing your insurance company to track your driving and practicing safe habits.
Top Arkansas insurance companies
USAA is the top-rated car insurance company in Arkansas.
USAA offers the best combination of trustworthy customer service and cheap rates. However, only military members, veterans and some of their family members can buy USAA car insurance.
Arkansas drivers who aren't eligible for USAA should consider Farm Bureau and State Farm. Both companies have reliable customer service and affordable prices.
Top car insurance companies in Arkansas
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Farm Bureau | NR | A | |
| Shelter | 866 | A | |
| Geico | 835 | A++ |
Choosing a company with great service can make a big difference if you're ever in an accident.
A company with reliable service will have an easy claims process and help get your car fixed quickly. Poor customer service can mean you have to spend more time arguing with the insurance company to get your claim paid.
Average cost of car insurance in Arkansas by city
The city of Siloam Springs has the cheapest car insurance in Arkansas at $140 per month for full coverage.
The most expensive quotes are in College Station, where the average cost of full coverage is $181 per month.
Average cost of full coverage insurance in AR by city
City | Monthly Rate | % from average |
|---|---|---|
| Adona | $150 | -4% |
| Alexander | $163 | 4% |
| Alicia | $152 | -3% |
| Alix | $142 | -9% |
| Alleene | $161 | 3% |
Insurance costs vary by up to $41 per month depending on where in Arkansas you live. That's because insurance companies consider population density, crime and accident rates when deciding how much you'll pay for car insurance.
Car insurance requirements in Arkansas
As an Arkansas driver, you must have a minimum amount of liability car insurance. This is sometimes written as 25/50/25.
- Bodily injury (BI) liability: $25,000 per person and $50,000 per accident
- Property damage (PD) liability: $25,000 per accident
If you drive without insurance, you may have to pay a fine and your license could be taken away.
What's the best car insurance coverage for Arkansas drivers?
Most Arkansas drivers should consider full coverage insurance.
Frequently asked questions
What's the cheapest auto insurance in Arkansas?
State Farm has the cheapest car insurance quotes in Arkansas. The company offers liability-only coverage for $31 per month and full coverage for $101 per month.
How much is car insurance in Arkansas per month?
Full coverage car insurance costs an average of $157 per month in Arkansas. That's 4% cheaper than the national average. Minimum liability coverage costs $52 per month, on average.
How much is car insurance in Little Rock, Arkansas?
Drivers in Arkansas' largest city, Little Rock, pay around $175 per month for full coverage car insurance. That's 12% more than the Arkansas state average and 19% more than the second-largest-city, Fayetteville.
Methodology
To find the best cheap Arkansas automobile insurance, ValuePenguin collected thousands of rates from ZIP codes across Arkansas. Rates are for a 30-year-old man with a clean driving record and good credit who drives a 2015 Honda Civic EX.
Quotes are for a full coverage policy with higher liability limits than the required in Arkansas, plus comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection: $10,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.