Cheap Car Insurance, Arkansas: A Comprehensive Guide
A car insurance policy is a necessary part of vehicle ownership in Arkansas. But it can sometimes get costly, especially if you're a young driver or have a poor driving record. This is why finding the cheapest car insurance rates for your specific needs is important.
This article provides an in-depth look at car insurance in Arkansas, including affordable options such as USAA, Travelers, Geico, Auto-Owners, and Liberty Mutual.
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Average Cost of Car Insurance in Arkansas
The average cost of car insurance in Arkansas depends on several factors, including your driving history and where you live in the state.
On average, Arkansas residents pay around $2,161 to $2,444 annually for full coverage, which is slightly lower than the national average. However, it's important to note that these costs can vary depending on individual factors, such as age.
Many drivers can lower their costs through discounts or by selecting the cheapest insurance companies for their demographic. That's why we compare car insurance quotes from multiple lenders.
Factors Affecting Auto Insurance Costs in Arkansas
Below are the factors that can affect car insurance rates in Arkansas:
- Age and Driving Experience: Younger drivers, especially teenagers, often face higher premiums because they’re statistically more likely to be involved in accidents. As drivers age and gain experience, premiums decrease up to a point, usually at age 70.
- Driving Record: A clean driving record means you get lower rates. Providers see you as less of a risk to the insurer. On the other hand, drivers with speeding tickets, accidents, or DUIs on their records often get higher premiums.
- Type of Car: The make and model of your vehicle affect your premium. Newer cars or luxury models often cost more to insure due to higher repair costs.
- Location: Urban areas such as Little Rock tend to have higher premiums because of increased traffic and greater car accident risk than rural areas in Arkansas.
- Coverage Type: The amount and type of coverage you select also affect your rates. Liability coverage is the least expensive, while comprehensive and collision coverage are more expensive.
- Credit Score: Insurance companies in Arkansas can use your credit score to determine your premiums. In this case, drivers with poor credit often face higher rates.
Cheap Auto Insurance in Arkansas: Top Companies Overall
Many companies in Arkansas offer affordable auto insurance. It often depends on factors such as coverage type and driving history. However, the following companies stand out for overall affordability in the state:
USAA
Known for its low rates, especially for military drivers and their families, USAA offers the most affordable policies in the state. Drivers on average pay $1,233 annually. However, it’s important to note that USAA only serves current and former military members plus their families.
Travelers
Travelers offers competitive rates and flexible coverage options, especially for young drivers and those considered 'high risk' in Arkansas. Drivers can get an average rate of $1,352 per year with this insurer.
Geico
Geico is a leading insurance company in Arkansas, with affordable coverage options. They offer an average annual rate of $1,774.
Southern Farm Bureau
Southern Farm Bureau offers competitive rates and flexible coverage options, with an average annual cost of $1,835 in Arkansas. They also provide some of the best rates for teen drivers in the state.
Cheapest Auto Insurance, Arkansas: By Age
Your age can determine your car insurance premiums. In Arkansas, teen drivers often pay the highest premiums because they’re more likely to be involved in accidents.
On the other hand, adult drivers aged 40 to 65 receive lower premiums because they have more driving experience and drive fewer miles. Drivers across age groups can still find affordable auto insurance in Arkansas from various companies.
Teen Drivers: 17-Year-Olds
Teenagers are the highest risk group for auto insurance companies in Arkansas due to their lack of driving experience and high-risk behavior behind the wheel. As a result, insurance premiums for teen drivers are often higher than those for other age groups.
The cheapest car insurance companies for drivers in this age group are Travelers and Southern Farm Bureau. Travelers is the most affordable for female teens at $3,651 annually, while Southern Farm is the cheapest for male teens at $4,020 per year. See table on: Cheap Car Insurance for Teens and Young Adults in Arkansas
Teen drivers in Arkansas can reduce their insurance rates by:
- Adding the teen to a parent's policy.
- Maintaining a clean driving record.
- Taking a defensive driving course.
- Taking advantage of good student discounts.
Young Adult Drivers: 25-Year-Olds
Young adults see lower rates than teenagers because they have more driving experience. Other factors like vehicle type and the choice of coverage can affect rates in this age group.
The best companies for this group are USAA and Travelers. However, USAA is only available to the military community. But Travelers is a good alternative at $1,504 annually for females and $1,580 for males.
Cheap Car Insurance for Teens and Young Adults in Arkansas
| Company | 17-Year-Old Female | 17-Year-Old Male | 25-Year-Old Female | 25-Year-Old Male |
|---|---|---|---|---|
| Travelers | $3,651 | $4,402 | $1,504 | $1,580 |
| Southern Farm Bureau | $3,972 | $4,020 | $2,224 | $2,269 |
| USAA | $4,190 | $4,406 | $1,443 | $1,562 |
| Geico | $4,739 | $4,389 | $2,062 | $1,825 |
Source: Cheapest Car Insurance in Arkansas for 2025 (US News)
Adult Drivers: 40-Year-Olds
Drivers in this age group get lower rates because they’re less likely to be involved in car accidents. Therefore, multiple insurers offer competitive rates to these drivers.
The cheapest Arkansas car insurance for this group is USAA. But since it’s only available to military personnel and their family members, most Arkansas drivers would find the next-best rates with Travelers. They offer $1,294 per year for female drivers and $1,361 for male drivers. See table on: Cheap Car Insurance for Adult and Senior Drivers in Arkansas.
Senior Drivers: 60-Year-Olds and Above
Seniors aged 60 and above can get lower insurance rates, up to around age 70, when insurance companies raise premiums due to an increased likelihood of accidents. Auto owners in this category can easily find affordable coverage policies in Arkansas.
The cheapest car insurance Arkansas offers for this group is USAA, at $1,056 per year for female motorists and $1,073 for male motorists. If you don’t qualify for USAA, Travelers is the second-cheapest option at $1,151 per year for female drivers and $1,073 for male drivers.
Cheap Car Insurance for Adult and Senior Drivers in Arkansas
| Company | 40-Year-Old Female | 40-Year-Old Male | 60-Year-Old Female | 60-Year-Old Male |
|---|---|---|---|---|
| USAA | $1,132 | $1,132 | $1,056 | $1,073 |
| Travelers | $1,294 | $1,361 | $1,151 | $1,221 |
| Southern Farm Bureau | $1,616 | $1,745 | $1,504 | $1,649 |
| Geico | $1,855 | $1,684 | $1,668 | $1,548 |
Source: Cheapest Car Insurance in Arkansas for 2025 (US News)
Cheapest Car Insurance in Arkansas: High Risk Drivers
When insurance companies are determining your premiums, they also look at your driving record. Good drivers with a clean record often get the best rates because they’re a lower risk to insure. On the other hand, those with violations like speeding tickets and at-fault accidents face higher premiums.
The average rates in Arkansas based on driving history are:
- With one speeding ticket: $2,632
- With one at-fault accident: $3,025
- With one DUI: $3,161
However, these drivers can still find affordable coverage from various insurers in Arkansas.
Speeding Ticket
A speeding ticket in Arkansas can increase your insurance rates by 20% to 30%. However, drivers can still get affordable coverage. The cheapest company for this group is USAA. They offer an average annual rate of $1,477, but only to the military community. Most drivers with a speeding ticket find the lowest rates with Travelers at $1,811 per year.
At-Fault Accident
Being the at-fault driver in an accident often results in higher premiums. On average, rates increase by 47% to 67% for drivers with an at-fault accident on their record in Arkansas.
The cheapest insurance company for drivers in this category is USAA at $1,801 per year. If you don’t qualify for USAA, consider Travelers, which is the second cheapest with an average annual rate of $1,888.
DUI
Arkansas drivers with a DUI on their record can expect their premiums to increase by 100% or more. The most affordable company for drivers in this category is Travelers at $2,039 annually. The second cheapest option is State Farm at $2,111 per annum.
| Company | 1 Speeding Violation | 1 Accident | 1 DUI |
|---|---|---|---|
| USAA | $1,477 | $1,801 | $2,398 |
| Travelers | $1,811 | $1,888 | $2,039 |
| State Farm | $2,111 | $2,255 | $2,111 |
| Southern Farm Bureau | $1,970 | $2,340 | $2,156 |
Source: Cheapest Car Insurance in Arkansas for 2025 (US News)
Cheap Car Insurance in Arkansas: Poor Credit History
In Arkansas, insurance companies often use your credit score to determine your premiums. Drivers with poor credit pay higher rates, about 50% more than drivers with good credit. Drivers with bad credit find the best car insurance rates with Travelers at $2,247 per year, as shown below:
| Company | Average Annual Premium | Average Monthly Premium |
|---|---|---|
| Travelers | $2,247 | $187 |
| USAA | $2,298 | $191 |
| Geico | $2,739 | $228 |
| Nationwide | $3,086 | $257 |
Source: Cheapest Car Insurance in Arkansas for 2025 (US News)
Cheap Auto Insurance, Arkansas: By City
Areas in Arkansas that have high rates of vandalism and vehicle theft often have higher car insurance costs. The same applies to areas with severe weather and a high accident rate. The cheapest cities in Arkansas for auto insurance are:
| City | Average Annual Minimum Coverage |
|---|---|
| Deer | $394 |
| Ratcliff | $402 |
| Summit | $393 |
| Clarksville | $401 |
| Yellville | $393 |
Source: Cheapest car insurance in Arkansas for 2025 (Bankrate)
Arkansas Auto Insurance Requirements
Arkansas law requires drivers to carry a minimum amount of liability insurance. The minimum requirements in Arkansas are:
- $25,000 for bodily injury per person.
- $50,000 for bodily injury per accident.
- $25,000 for property damage per accident.
Liability insurance covers the injuries you cause to someone as an at-fault driver in an accident, plus damage to their property. In Arkansas, this coverage can also pay for legal expenses if you’re sued.
Note that bodily injury liability and property damage liability don’t cover your injuries or your vehicle damage.
These minimum limits can sometimes leave you at risk. Because of this, some drivers in Arkansas get higher limits and additional coverage. More coverage limits help pay for your expenses and give you better protection in accidents that lead to higher expenses. Examples of optional coverages in Arkansas include:
1. Comprehensive Coverage
It pays for damage to your vehicle from something other than a collision. This can include theft, fire, weather, and vandalism. If you have a lease or loan on your car, your lender may require you to have comprehensive insurance.
2. Collision Coverage
It helps pay for repairs or the replacement of your vehicle after an at-fault accident with another car or if you collide with an object, such as a tree. It can also cover pothole damage and rollover accidents. Lenders and lessors in the state may require you to have this.
3. Personal Injury Protection (PIP)
When an accident happens, PIP helps to pay for the medical expenses of you and your passengers regardless of who is at fault. It can also cover loss of wages and other costs.
4. Uninsured/Underinsured Motorist Coverage
This insurance helps cover your expenses when you're hit by an uninsured driver or one who doesn’t have enough coverage. It also covers hit-and-run accidents. Insurance companies in Arkansas must offer this coverage, but you, as the buyer, can decline it in writing.
Tips for Getting Cheap Arkansas Car Insurance
Here are some practical tips for finding the cheapest rates in Arkansas:
- Compare Quotes: The Insurance Information Institute recommends getting quotes from multiple insurance providers to find the best rates. We can easily compare car insurance quotes to help you find the best deal.
- Maintain a Clean Driving Record: Avoid speeding tickets and other violations to keep your premiums low.
- Increase Your Deductible: Raising your deductible can lower your monthly premium. However, always make sure you have enough savings to cover the higher deductible if an accident occurs.
- Bundle Policies: Many insurers offer discounts for bundling multiple policies, home and car insurance.
- Look for Discounts: Insurance providers offer a variety of discounts, including for good students and drivers who complete defensive driving courses. Confirm with the Arkansas insurance department and individual providers what's available to you.
- Get the Minimum Coverage Policy: You can get lower coverage levels to reduce costs.
FAQs
Who Has the Best Car Insurance in Arkansas?
The best car insurance provider in Arkansas depends on your coverage amount needs and profile. However, overall, USAA has the lowest rates at $1,233 annually, but they only serve the military community. The next-cheapest car insurance company in the state is Travelers, with an average rate of $1,352 per year.
Is Arkansas a No-Fault Car Insurance State?
No, Arkansas is not a no-fault state. The Arkansas Department of Insurance says drivers must have liability car insurance to pay for the other party's damages.
Who Gets Cheaper Car Insurance in Arkansas?
Older drivers with clean driving records and good credit pay the cheapest car insurance premiums. Young drivers and those with poor driving records or bad credit tend to face higher rates.
How Much Does Car Insurance in Arkansas Cost?
The average cost of car insurance in Arkansas is around $2,161 to $2,444 annually for full coverage. However, costs can vary based on factors like age and driving record.
