Cheap car insurance in Arkansas

How to get the best auto insurance in Arkansas

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Nearly all states require drivers to have some level of auto insurance, just in case. However, each state can have its own tricky requirements, and it can be hard to know what exactly you need. Plus, if you’re financing or leasing your car, you could face additional coverage requirements. Compare state requirements for Arkansas and how to get the best deal on cheap coverage for your car.

Arkansas

Car insurance quick facts

25/50/25

Minimum liability requirements

$1400

Average annual car insurance cost

30

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Geico
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Liberty Mutual
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Gabi
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

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Most popular Arkansas auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$510,31024.6%
Southern Farm Bureau$272,86113.20%
Shelter Insurance$180,8488.70%
Progressive$166,4348%
Allstate$148,0407.10%
Geico$120,2285.80%
USAA$98,7714.80%
Farmers Insurance$81,0763.90%
Liberty Mutual$77,0813.70%
Nationwide$52,9392.60%

Average car insurance costs in Arkansas

Arkansas ranks above average for annual car insurance costs, typically ranging from $1,100 to $1,400 a year. If you’re looking to buy auto insurance in Arkansas, it’s reasonable to expect your rates to fall within this range.

However, because car insurance costs are known to vary so much between different drivers and different insurance providers, you could end up paying significantly more or less than that range. This is because your individual insurance rates are based on a whole host of factors, which can include:

  • Age. Young drivers under 25, as well as seniors over 70, will almost certainly pay more for car insurance.
  • Gender. Males can often expect higher premiums. This is sometimes countered by age and marital status.
  • Driving experience. Younger drivers are seen as a higher risk and will pay more for car insurance.
  • Occupation. People who drive every day for their job, like delivery drivers, can expect significantly higher premiums thanks to more time spent on the road. Sometimes this is countered by employer policies that cover these employees while they’re driving for work.
  • Location. Some areas can put a car at higher risk of theft, vandalism and other potential hazards, which will incur higher costs. Similarly, living in an area that’s prone to flooding or storms may impact your premiums.
  • Claims history. The more car insurance claims you have made in the past, the higher your premiums will generally be in the near future.
  • Credit score. In 47 US states, including Arkansas, auto insurance providers can use your credit score to help calculate your rates. This is because statistics show a strong link between excellent credit and safe, accident-free driving.
  • Safety record. If you have a penchant for driving under the influence or trying to start a drag race at every red light, your insurer will likely know about it — and raise your rates accordingly.
  • Drivers on the policy. Only certain people you add onto the policy will be approved to drive the car you’re insuring, and all of them impact the cost. Even the world’s safest driver will get a substantial price hike by listing another less-safe driver on the policy.
  • Driving habits. How far you drive each day, how often you get behind the wheel and where you drive can all play a part in your car insurance prices.

Cheapest car insurance in Arkansas

Company Average annual rate Learn more
Southern Farm Bureau $598
State Farm $724
AAA $818
Shelter $821
USAA $833
Allstate $873
Sentry $1,010
Safeco $1,051
Progressive $1,343
Liberty Mutual $1,444

Which city has the cheapest car insurance in Arkansas?

Of Arkansas’s largest cities, Conway has the cheapest rates and Hot Springs National Park has the most expensive car insurance rates. Hot Springs National Park drivers could face rates 3 times more than Conway drivers.

Car insurance quotes in Jonesboro

CompanyAnnual car insurance rate
Allstate$807
Farmers$1781
Metromile$623
Progressive$806
AAA$548

Car insurance quotes in Springdale

CompanyAnnual car insurance rate
Allstate$708
Farmers$1658
Metromile$567
Progressive$702
AAA$609

Car insurance quotes in Hot Springs National Park

CompanyAnnual car insurance rate
Allstate$798
Farmers$1867
Metromile$641
Progressive$810
AAA$711

Car insurance quotes in Bentonville

CompanyAnnual car insurance rate
Allstate$720
Farmers$1606
Metromile$555
Progressive$687
AAA$609

Car insurance quotes in Conway

CompanyAnnual car insurance rate
Allstate$777
Farmers$1693
Metromile$648
Progressive$712
AAA$546

State minimum requirements in Arkansas

In order to drive legally in Arkansas, you’ll need liability insurance that includes:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

When shopping for car insurance, you may see these liabilities written as 25/50/25.

Some states require that you have uninsured or underinsured motorists coverage, meaning that if you get in an accident with a driver without enough coverage, your insurance will still protect you. Arkansas is an opt-out state, so while insurance companies are required to offer you this coverage, you have the option to actively opt out. If you choose to opt out and get in an accident, your insurance company will usually pay for some of your bills.

In Arkansas, you’re required by law to have proof of car insurance and vehicle registration every time you drive. Failure to provide proof of insurance at even a routine traffic stop can result in a $25 fine. You can provide proof of insurance using your insurer ID card, which you can have a hard version of or can provide on any smart device to prove your coverage.

Can I file for SR-22 insurance in Arkansas?

You might need to file an SR-22 in Arkansas if you’ve gotten a DUI, lost your license or have too many points on your driving record. An SR-22 tells the state you have the minimum coverage required to get back behind the wheel.

Bottom line

If you live, work or are registered to vote in Arkansas, you’ll need car insurance in order to safely drive. Make sure you research your insurance options before choosing which plan will best meet your state’s requirements and your own coverage requirements.

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Frequently asked questions about car insurance in Arkansas

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