Average Cost of Car Insurance in Arkansas for 2025

Arkansas is known for its mountains and farmland and boasts a relatively low cost of living. The average cost of car insurance in Arkansas is $175 per month, compared to the national average of $193.

Your cost may vary based on the length of your commute, age, driving history, and credit, and you may be eligible for discount programs that could make your coverage more affordable.

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Key takeaways

Full coverage policies in Arkansas cost an average of $175 per month.
State-minimum liability coverage averages $93 per month.
Teen drivers pay an average of $322 per month for auto coverage.

How much does car insurance cost in Arkansas?

Full coverage policies that include liability, collision, and comprehensive insurance average $175 per month in Arkansas.

If Arkansas has a low cost of living, why is insurance relatively expensive? One of the factors behind the price is mileage; Arkansas drivers tend to drive significantly more miles per year than the national average.

With more time on the road, Arkansas drivers are more likely to be involved in accidents, so insurers charge them higher rates to offset the added risk.

Avg. cost for full coverage	Avg. cost for minimum coverage
$175/month	$93/month

Avg. for young drivers	Avg. cost for seniors	Avg. for driver with a DUI
$322/month	$156/month	$281/month

Average cost of car insurance in Arkansas by provider

Rates, coverage options, and discount programs vary by insurer. In Arkansas, there are a number of insurance providers.

For those eligible for membership, USAA has low average premiums for both full coverage and state-minimum liability policies. State Farm and GEICO also have low rates.

Provider	Monthly full coverage premiums	Monthly liability-only coverage
Allstate	$162	$91
Nationwide	$164	$92
GEICO	$113	$70
Progressive	$114	$66
State Farm	$73	$41
USAA	$89	$50

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How does credit score affect car insurance rates in Arkansas?

Arkansas' laws allow insurers to consider credit history when setting their premiums. If you have less-than-perfect credit, you'll typically pay much more for insurance than drivers with excellent credit.

In Arkansas, drivers with credit scores between 550 and 649 paid hundreds more than those with credit scores of 750 or better.

Credit health	Avg. monthly premium
Poor (550-649)	$210
Average (650-699)	$178
Good (700-749)	$172
Excellent (750+)	$157

Average car insurance rates for high-risk drivers in Arkansas

Your premiums could skyrocket if you're convicted of a driving violation in Arkansas. A driving under the influence (DUI) conviction may cause premiums to $281 per month.

An at-fault accident similarly impacts premiums; one accident can increase premiums to $218 per month.

Violation	Avg. monthly premium
At-fault accident	$218
DUI	$281
Speeding ticket	$217

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How does age affect car insurance rates in Arkansas?

Age has a major role in determining your car insurance rates. Young drivers tend to pay much more for coverage than other age groups. Arkansas's average premium for teens is $322 per month.

The median household income in Arkansas is $52,123, so families would have to pay a significant amount of their income to insure a teen driver.

Age	Avg. monthly premium
Teen	$322
20s	$225
30s	$184
40s	$175
60s	$148

Arkansas car insurance rates by city

Location is another factor insurance companies consider when deciding premiums. Cities and areas with high rates of crime usually have higher premiums. With an average premium of $196 per month, North Little Rock is Arkansas's most expensive city for car insurance.

City	Avg. monthly full-coverage premium
Conway	$170
Fayetteville	$168
Fort Smith	$164
Jonesboro	$169
Little Rock	$201
North Little Rock	$196

AR's minimum car insurance requirements

Car insurance is required for all drivers in Arkansas, and policies must meet the following minimum requirements:

$25,000 in bodily injury insurance for one person
$50,000 in bodily injury insurance for two or more people
$25,000 in property damage insurance

Because Arkansas has a high rate of uninsured drivers — the Insurance Research Council reported that 19.3% of drivers in the state are uninsured — it may be a good idea to add uninsured/underinsured motorist protection to your policy.

How to save money on car insurance in Arkansas

To lower your premiums in Arkansas, follow these tips:

Take advantage of discounts: Arkansas' laws require insurers to offer two discount programs: college graduate discounts and defensive driver discounts for those 55 and older who complete a qualifying course. However, some insurers may have other discount programs, too, such as discounts for paperless billing or driving fewer-than-average miles.
Sign up for usage-based insurance: Drivers in Arkansas tend to cover more miles than the national average. But if you drive less — for example, if you're a stay-at-home parent or work from home — you could save money by enrolling in a usage-based or pay-per-mile insurance program. These programs base your premiums on how many miles you drive and your driving habits, so some drivers can save money. In Arkansas, several companies have usage-based policies, including Root and State Farm.
Get quotes from other companies: Being loyal to one company could cost you; other insurers may offer much lower rates, so request quotes from the best car insurance companies to find the most competitive prices.

FAQs about car insurance costs in AR

Is car insurance expensive in AR?

Car insurance in Arkansas is typically slightly more expensive than the national average. Full coverage policies average $175 per month, compared to the national average of $193.