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State Farm, USAA, and GEICO rank among Arkansas's cheapest car insurance providers.
Full-coverage car insurance in Arkansas typically costs $168 per month, compared to the national average of $186. Your actual premium will vary based on multiple factors such as your age, driving history, and where you live. Getting quotes from several insurers is always the best policy for finding the lowest rates.
Here, we analyze Arkansas's most affordable car insurance choices by coverage type, driver demographics, and insurance company.
Affordable full-coverage car insurance in Arkansas
Full-coverage insurance in Arkansas averages $168 monthly, compared to $186 nationally. The state's cheapest car insurance providers include State Farm, USAA, and GEICO.
| Average monthly full coverage cost | |
| Arkansas average | $168 |
| National average | $186 |
| State Farm | $82 |
| USAA | $100 |
| GEICO | $125 |
| Progressive | $126 |
Affordable liability-only car insurance in Arkansas
Some of the most affordable liability car insurance providers in Arkansas are State Farm, USAA, and Progressive.
Arkansas drivers pay an average of $92 monthly for liability-only insurance coverage, compared to $104 nationwide.
| Average monthly liability-only cost | |
| Arkansas average | $92 |
| National average | $104 |
| State Farm | $48 |
| USAA | $58 |
| Progressive | $71 |
| Auto-Owners | $81 |
Cheap car insurance in Arkansas by age
Age significantly impacts insurance costs. Car insurance for teens often carries the steepest premiums due to these drivers having less driving experience, with full-coverage rates averaging $310 monthly in Arkansas.
Drivers in their 20s see rates drop to approximately $214 monthly. Those in their 30s and 40s enjoy even lower premiums at roughly $176 and $171 per month, respectively.
Premiums may increase again for senior drivers. Arkansas drivers in their 60s typically pay $146 monthly, while those in their 70s average $147.
These age-related premium variations mirror the varying risk profiles across different age groups, with younger drivers facing higher rates and older drivers occasionally experiencing increased costs related to health considerations and driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $310 | $170 |
| 20s | $214 | $118 |
| 30s | $176 | $97 |
| 40s | $171 | $94 |
| 50s | $165 | $91 |
| 60s | $146 | $80 |
| 70s | $147 | $81 |
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Cheap car insurance in Arkansas for high-risk drivers
Moving violations or accidents in your driving history generally result in higher insurance premiums. If you're looking for car insurance with a bad driving record, below are typical Arkansas costs for drivers with accidents, speeding tickets, or DUIs.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $217 | $119 |
| Speeding ticket | $216 | $119 |
| DUI | $216 | $119 |
Compare low-cost car insurance after an accident
Drivers with accidents on their records can find affordable coverage through State Farm, USAA, and GEICO in Arkansas. Full-coverage premiums for Arkansas drivers with accidents average $217 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $105 | $61 |
| USAA | $129 | $75 |
| GEICO | $153 | $90 |
Average rate:
Compare low-cost car insurance after a speeding ticket
State Farm, USAA, and Progressive offer more affordable rates than other insurers to Arkansas drivers with speeding tickets. Full coverage averages $216 monthly for drivers with speeding violations.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $103 | $60 |
| USAA | $127 | $74 |
| Progressive | $162 | $91 |
Compare low-cost car insurance after DUI conviction
Arkansas residents with DUI convictions may obtain affordable full coverage insurance from State Farm, USAA, and GEICO. Drivers with DUIs pay an average of $216 for full coverage.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $114 | $67 |
| USAA | $139 | $81 |
| GEICO | $174 | $103 |
Cheap car insurance in Arkansas by credit score
Arkansas drivers with excellent credit typically pay $153 monthly. Meanwhile, those with poor credit see higher rates, paying around $198 per month.
This rate variation shows how credit scores affect insurance costs, with lower credit scores often leading to increased premiums because of the higher perceived financial risk.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $153 | $84 |
| Good | $167 | $92 |
| Average | $171 | $94 |
| Poor | $198 | $109 |
FAQs
What are Arkansas's minimum car insurance requirements
Arkansas requires drivers to carry 25/50/25 liability coverage: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. These requirements place Arkansas in the middle range nationally, though the state's real-time insurance verification system, implemented in 2020, has dramatically reduced the number of uninsured drivers. Arkansas automatically fines drivers $100 for coverage lapses.
What factors affect car insurance costs in Arkansas?
Arkansas insurers consider multiple factors when setting rates, including your driving record, age, credit score, and location within the state. The state allows credit-based pricing, meaning drivers with poor credit often pay more than those with good credit. Arkansas's frequent severe weather events, like tornadoes and flooding, can impact comprehensive coverage costs, though overall rates remain below the national average. Young drivers face the highest premiums, while drivers in their 50s and 60s may enjoy the lowest rates.
How much does full coverage cost compared to minimum coverage in Arkansas?
Full coverage car insurance in Arkansas averages $168 monthly, while minimum liability coverage costs around $92. The significant price difference means many Arkansas drivers opt for state minimum coverage of 25/50/25. However, this basic coverage only pays for damage you cause to others, leaving you financially responsible for your own vehicle repairs and medical bills, which is particularly risky given Arkansas's severe weather patterns.
What happens if you drive without insurance in Arkansas?
Arkansas implemented a real-time insurance verification system in 2020 that automatically detects uninsured drivers. First-time offenders face fines up to $250, while multiple offenses can result in fines up to $1,000 and potential jail time. The state can also suspend your vehicle registration.
Bottom line
Although these auto insurance companies offer competitive rates throughout Arkansas, the most affordable option for your specific situation may differ. Comparing quotes from several insurance companies and evaluating both cost and coverage is the most reliable method for finding the best company.
Data throughout provided by Insurify.
Average rate:
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