+120 more*These quotes are from real Compare.com users Arkansas within the last 10 days. Updated on November 1, 2026
*These quotes are from real Compare.com users Arkansas within the last 10 days. Updated on November 1, 2026
){kind=small}
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
){kind=small}
5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
){kind=small}
25+ years teaching risk management and insurance
Managing director, Brantley Risk & Insurance Center
An Appalachian State Univ. professor, David teaches risk management/insurance. He's appeared in the NY Times, CNN, and more.
Updated
State Farm is the cheapest car insurance company in Arkansas, averaging $38 per month.
Full coverage in Arkansas averages $153 per month, about twice as expensive as liability coverage.
Car insurance in Arkansas averages $114 per month, which is around 20% less than the national average.
Severe weather is a major risk in Arkansas. The state averaged six billion-dollar disasters every year from 2020 to 2024.
The average cost of car insurance in Arkansas is $114 per month, about $20 less than the national average. Liability-only coverage averages $75 per month, while full coverage averages $153.
State Farm offers the lowest car insurance premiums in Arkansas, with average rates starting at 38 per month. USAA and Progressive also offer affordable premiums in the state.
The table below shows the cheapest Arkansas insurers by coverage level, according to Insurify data.
Company | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| State Farm | $71 | $119 |
| GEICO | $73 | $122 |
| USAA | $80 | $134 |
Check rates from top insurers in the state and save money in minutes.
The city you live in — and even your ZIP code in the city — can make a big difference in your car insurance rates. Drivers in Paragould and Russellville pay some of the lowest average rates, at about $102 per month. These cities have fewer people on the road than larger Arkansas cities like Little Rock. Fewer people on the road typically means fewer claims and lower rates.
But Little Rock drivers pay some of the highest rates in the state, averaging $141 per month. The city has a high population density and a high motor vehicle theft rate, which increases premiums in the area.[1]
The table below shows average rates for different cities across Arkansas, according to Compare.com data.
City | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Fairbanks | $57 | $108 |
| Anchorage | $79 | $130 |
Compare.com reviewed driving trends in Arkansas and found some interesting trends, including:
Arkansas drivers have a relatively high annual mileage, averaging 9,671 miles per year.
About 4% of Arkansas drivers have an accident on their driving record. Around 4% have a ticket, and 1% have a driving while intoxicated (DWI) conviction.
About 68% of Arkansas drivers own their cars outright, compared with 30% who finance and 3% who lease.
Roughly 13% of Arkansas drivers insure multiple vehicles, which may make them eligible for multi-car discounts.
Each car insurance company calculates rates differently. That’s why average rates can vary so much from one insurer to another.
Comparing rates can help you find the cheapest car insurance in Arkansas without sacrificing the coverage you need. But price isn’t everything, so check customer reviews and discounts to make sure a company fits your needs.
Below, you’ll find information about some of the top car insurance companies in Arkansas, according to Compare.com data.
 |  |  |  |  |
|---|---|---|---|---|
Average Premium $131/mo* | Average Premium $58/mo* | Average Premium $208/mo* | Average Premium $172/mo* | Average Premium $99/mo* |
Overall Rating | Overall Rating | Overall Rating | Overall Rating | Overall Rating |
Value | Value | Value | Value | Value |
Customer Service | Customer Service | Customer Service | Customer Service | Customer Service |
Claims Handling | Claims Handling | Claims Handling | Claims Handling | Claims Handling |
Special Highlight N/AAI-generated from 205 user reviews | Special Highlight N/AAI-generated from 1087 user reviews | Special Highlight N/AAI-generated from 24 user reviews | Special Highlight N/AAI-generated from 167 user reviews | Special Highlight N/AAI-generated from 11 user reviews |
We chose the best car insurance companies in Arkansas based on their average prices, user reviews, and third-party ratings. Use these insurers to help your search for the best car insurance in Arkansas.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $38/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $78/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.3 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers affordable rates in Arkansas after a DWI, speeding ticket, or at-fault accident. The company also offers rideshare insurance, roadside assistance, and car rental coverage. Plus, safe driving habits can save you up to 30% with the Drive Safe & Save telematics program.
Cheap rates for many Arkansas drivers
Local agents available throughout the state
Fewer discounts than some competitors
Accident forgiveness and gap insurance not available
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $46/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $95/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.7 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
With cheaper-than-average rates for most Arkansas drivers, USAA is a good option for current and former military members. USAA offers discounts tailored for active-duty service members, including up to 60% when you store your car. Safe drivers can also save with the SafePilot telematics program.
Affordable premiums in many Arkansas cities
Various discounts available
High full-coverage rates for teen drivers
Available only to military members, veterans, and their families
| User Reviews | 3.8 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $60/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $114/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.5 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers a wide range of coverage options, including extended vehicle care. It also offers a payment plan for drivers who choose higher deductibles. With local agents in many Arkansas cities, Allstate is a good option for drivers who want to customize their coverage.
Accident forgiveness, rideshare, and classic car coverage available
Many local agents in Arkansas
More expensive than some competitors
Higher-than-average rates for Arkansas senior drivers
Our editorial team, composed of seasoned editors, insurance experts, and licensed agents, analyzed more than 50 of the state’s top insurers to select the best companies for various Arkansas drivers. We researched, analyzed, and weighed several categories important to Arkansas insurance shoppers, including average rates, local customer satisfaction ratings, coverage options, discount offerings, policy features, and more.
Our goal is to provide actionable advice and detailed, personalized analysis that helps Arkansas drivers find the best auto insurance policy for their unique needs.
)
Arkansas, like most states, requires drivers to have a minimum amount of car insurance. To legally drive in the state, you need:
Bodily injury liability coverage: You need $25,000 per person and $50,000 per accident to help pay for injuries you cause to others in an accident.
Property damage liability coverage: You also need $25,000 of property damage liability coverage to help pay for damages you cause in an accident.[2]
Collision and comprehensive coverage are optional, but you’ll likely need to buy them if you lease or finance your car. Insurers must also offer personal injury protection (PIP), but you can reject it in writing.
The state doesn’t require you to have uninsured motorist (UM) coverage. But 15% of Arkansas drivers don’t have insurance, according to the Insurance Information Institute, so it’s worth considering adding the coverage.[3]
Penalties for driving uninsured in Arkansas also include fines of $100 to $250, suspension of your vehicle registration, and a $100 reinstatement fee.[4]
Compare quotes from multiple insurers, starting at an average of $38 per month.
Many factors affect your car insurance rates in Arkansas. Some of the most important factors influencing costs include:
Severe weather: Arkansas averaged six billion-dollar disasters per year from 2020 to 2024. Frequent severe storms, floods, and winter weather can increase comprehensive and collision coverage premiums.[5]
Lower population density: Arkansas averages just 58 residents per square mile, which is lower than many states. Fewer people on the road usually means less risk of an accident and fewer claims.
Vehicle type and repair costs: Arkansas drivers choose practical vehicles, like Ford pickups, the Camry, the Altima, and the Silverado. These vehicles tend to have lower manufacturer’s suggested retail prices (MSRPs) and repair costs, which can lower car insurance rates.
You can use several well-known strategies to lower your car insurance rates, no matter where you live. Here are a few that might be the most effective for drivers in Arkansas:
Improve your credit. Drivers with good credit save an average of $576 annually compared to drivers with poor credit. Improving your credit could mean big savings.
Raise your deductible. Choosing higher deductibles can reduce your premiums, according to the Arkansas Insurance Department. But make sure you can afford the extra cost if you file a claim, because you’ll pay more out of pocket.
Maintain a clean driving record. Drivers with a single incident on their record pay $288 more per year for liability coverage than drivers with clean records. Practicing safe driving habits could translate to lower rates.
Shop around at renewal. Comparing quotes before renewing helps you find the lowest rate for your coverage.
Here are some useful resources for drivers throughout Arkansas.
Arkansas Department of Insurance: File complaints and get answers to insurance-related questions through the Arkansas Department of Insurance website.
Arkansas DMV: Use the Arkansas DMV website to renew your license or make an appointment at a local facility.
Arkansas’s Attorney General consumer protection: You can file a consumer complaint through the attorney general’s consumer protection page.
Arkansas State Legislature: Use the Arkansas State Legislature website to learn more about the state’s insurance regulations.
Below, we answered some of the most commonly asked questions Arkansas drivers have about car insurance.
State Farm offers the cheapest car insurance in Arkansas, with average rates starting at $38 per month, according to Compare.com data. That said, your costs may vary by a number of factors, like your age, ZIP code, and the car you drive.
Yes. It’s illegal to drive without car insurance in Arkansas. Drivers caught without insurance can face a fine of up to $250, vehicle registration suspension, and reinstatement fees. You’ll also likely pay higher car insurance rates due to the lapse in coverage.
Arkansas requires drivers to have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $25,000 of property damage liability coverage. Insurers must also offer PIP, but you can decline it in writing.
State Farm offers the cheapest car insurance coverage after a DWI in Arkansas, according to Compare.com data. The company’s average rates start at $55 per month. USAA and Progressive also offer lower-than-average rates for Arkansas drivers with a DWI.
Arkansas drivers may qualify for a variety of car insurance discounts. Many insurers offer savings for enrolling in auto pay, insuring multiple cars, and bundling policies. Some companies also offer telematics programs that reward safe driving habits with lower rates.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
25+ years teaching risk management and insurance
Managing director, Brantley Risk & Insurance Center
An Appalachian State Univ. professor, David teaches risk management/insurance. He's appeared in the NY Times, CNN, and more.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
