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The average cost of car insurance in Arkansas is $1,097.33 a year or about $91 per month, according to the National Association of Insurance Commissioners (NAIC). The state’s costs ranks it below average for car insurance costs nationwide, which is $1,190 per year.

However, your rates may or may not come in at the state’s average because rates vary between different drivers and insurance companies. Also, the NAIC’s average includes policies with both state minimum coverage alongside those with higher coverage like comprehensive and collision. You’ll pay a different rate based on the coverage you choose.

Arkansas car insurance quick facts

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Minimum liability requirements

25/50/25

Average annual car insurance cost according to the NAIC

$1,097.33

At-fault state

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

State minimum car insurance requirements in Arkansas

To drive legally in Arkansas, you need at least bodily injury and property damage liability coverage. When shopping for car insurance, you may see the amount of liability written as 25/50/25. These are the coverage limits required by Arkansas, which tell you the maximum that your insurance will pay for damage.

Some states require personal injury protection and uninsured or underinsured motorists coverage, but Arkansas is an opt-out state. While insurance companies are required to offer these, you can opt out of buying both types of coverage in writing.

Let’s look at what’s covered by Arkansas state minimum coverage.

Bodily Injury Liability

Bodily injury liability

  • $25,000 for injuries to one person
  • $50,000 for injuries to two or more people

For bodily injuries, Arkansas requires you to carry 25/50, which pays up to $25,000 for injuries to one person and $50,000 total if you injure more than one person. These coverage limits are common across other state requirements, but overall they offer a low level of protection.

Remember, this coverage pays for medical bills or legal expenses if you cause an accident, injuring other drivers, passengers or pedestrians. Consider upping your limits for solid protection.

Property damage liability

Property damage liability

  • $25,000 in property damage liability

Arkansas requires at least $25,000 for property damage liability, which pays for damage to another driver’s car or personal property like a phone, car seats or cargo. You’ll see this coverage limit required in many states, but it still offers low protection.

Personal injury protection or medical payments

Personal injury protection

In Arkansas, insurance companies should offer you personal injury protection, although it doesn’t give specifics about how much to offer.

You can accept or reject PIP for different types of expenses, such as medical bills, lost wages or funeral expenses. Otherwise, you can reject PIP entirely.

Uninsured or underinsured motorist

Uninsured or underinsured motorist

  • $25,000 for uninsured motorist injuries to one person
  • $50,000 for uninsured motorist injuries to multiple people
  • $25,000 for uninsured motorist property damage with $200 deductible

Arkansas requires insurance companies to offer uninsured or underinsured motorist coverage. The state doesn’t specify coverage amounts, but most insurance companies match the coverage limits to your liability limits.

Uninsured or underinsured motorist coverage kicks in if you or your passengers get injured by a driver who doesn’t have enough insurance. For property damage, uninsured motorist coverage pays for damage to your car and personal belongings caused by an underinsured driver. The coverage also helps with hit-and-run accidents.

While you can opt out of buying this coverage, consider keeping it for the added protection.

Finder tip: Arkansas state minimum coverage isn’t enough

Arkansas keeps similar car insurance requirements as other states, but that doesn’t mean the state minimum coverage gives you plenty of protection for all car accidents. For example, if you total someone’s car that’s worth $40,000, state minimum coverage would pay $25,000 to replace their car.

To avoid paying the rest on your own, think about upping your liability limits and adding optional coverage as your budget allows.

Cheapest rates by age in Arkansas

There’s a theme in Arkansas that Geico is one of the cheapest companies around. That theme holds true across all of the age groups we analyzed in the state.

AgeAllstateProgressiveGeicoUSAA
16-24$197.05$214.91$174.31$196.12
25-34$132.73$141.58$130.23$160.37
35-44$129.54$126.65$122.84$164.97
45-54$140.80$115.07$112.10

Cheapest rates by gender in Arkansas

Again, Geico offers the lowest rates for either gender, hands down. However, there is a wide gap in how much you’ll pay based on your gender. Men can expect to pay $9 more per month than women, or more depending on the company.

CompanyAllstateProgressiveGeicoUSAA
Men$156.91$142.40$131.77$190.04
Women$135.47$156.71$123.14$157.59

Sample rates in Arkansas from major car insurance companies

Geico sticks the closest to the average rate in Arkansas, according to our analysis of Savvy rate data. However, you’ll want multiple quotes to make sure you’re getting the best deal for you.

CompanyAllstateProgressiveGeicoUSAA
Rate$145.00$149.55$127.85$173.82

7 factors that affect car insurance rates in Arkansas

Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Arkansan’s rating factors to keep in mind.

FactorHow it affects your rates
Age

Age

How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20’s with drivers over 50 paying the least.
Gender

Gender

Arkansas takes gender into account when determining your rates. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end.
Location

Location

Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates.

Arkansas vehicle theft rates stand at 261.8 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s well above the national average of 246 vehicle thefts per 100,000 inhabitants.

As for uninsured drivers, 19.3% of Arkansans on the road are uninsured. That’s more than average for the percent of uninsured drivers in a state according to Insurance Information Institute, with the national average standing at 12.6%.

Vehicle and mileage

Vehicle and mileage

Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure.

Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.

And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, Arkansans drive an average of 26.6 miles per day, that’s below the average across the US of 36.1 miles per day.

Credit score

Credit score

Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.

Arkansas drivers have protections under state laws that regulate the use of your credit history when issuing car insurance policies. Credit score can’t be the only factor used to determine your rates.

Coverage

Coverage

The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.
Driving Record

Driving Record

The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Arkansas can increase your rate by around 68%. These types of violations typically stay on your record for about three years.

What happens if I need an SR-22 in Arkansas?

If you’re notified that you need an SR-22 in Arkansas, you’ll need to ask your insurance company to file proof of insurance with the DMV. An SR-22 is a certificate proving that you meet the state’s car insurance requirements.

You may have to file this form after major violations like a DUI, losing your license or accumulating too many points on your driving record. Learn how to file an SR-22 in Arkansas as well as the timelines and fees to get back on the road.

Coverage that we recommend in Arkansas

Consider boosting your car insurance protection with these add-ons, if these fit your budget and driving needs.

More liability = peace of mind for serious accidents

If you’re deemed at fault for an accident, you can easily drain the state’s 25/50/25 liability limits, particularly if it includes serious injuries. A hospital stay can cost thousands of dollars per day and depends on how severe the injuries are. Also, you could be on the hook for legal expenses if another person involved sues you.

You want your insurance to pay for as many of these expenses as possible. Talk over your liability coverage with your insurance agent or financial adviser to make sure you’re fully protected.

Collision coverage is worth the cost for most

Think about adding collision coverage to pay for your car’s repairs or buying another car if you wreck your car. It costs around $30 per month in Arkansas based on the NAIC average, which is far less than many car repairs.

Also, remember that your liability coverage won’t pay for your car — it takes care of property damage for the other people involved. Collision coverage is worth the investment for cars worth more than a few thousand dollars.

Consider this coverage if . . .

  • You drive a lot and rely on your car.
  • Your car loan requires it.
  • You can’t pay for major car repairs on your own.
  • You don’t have the funds to buy another car.

Comprehensive coverage helps with theft and more

Since car theft happens more in Arkansas than in other states, you might want comprehensive coverage in case your car gets stolen. This coverage is called “other-than-collision” coverage because it kicks in for damages outside of hitting another vehicle. The damage it covers includes theft, vandalism, windshield cracks and severe weather.

Consider this coverage if . . .

  • Your auto loan requires it.
  • You can’t pay for major car repairs on your own.
  • You live in an area known for theft or crime.
  • You live in a rural part of Arkansas with large wildlife.
  • Your area sees harsh weather.

Top 10 auto insurance companies in USA that serve Arkansas

We’ve pulled the top 10 companies by market share that offer coverage in Arkansas, according to S&P Global. Compare top companies by three major rating agencies along with our overall Finder score.

  • Better Business Bureau (BBB) rating measures how a business interacts with its customers, with the highest rating being A++.
  • J.D. Power determines customers’ overall satisfaction with their car insurer’s price, billing, claims and customer support. The higher the J.D. Power score out of 1,000, the better.
  • NAIC complaint index shows how a company’s number of complaints compares to similar companies of its size. Scores lower than 1.00 show the company receives less than the average number of complaints, and scores above 1.00 show more complaints than average.
  • Finder’s score shows you an overall look at the company by taking into account scores from each of these agencies as well as the coverage and discounts each company offers.
Provider
BBB Rating
JD Power Rating
NAIC complaint ratio
National market share %
Finder score
Go to site
State Farm
A+
847/1000
1.93
16.2

★★★★★ 4/5

Read review

Geico
A+
832/1000
1.42
13.6

★★★★★ 4/5

Read review

Progressive
A+
830/1000
1.05
13.3

★★★★★ 4/5

Get Quotes
Allstate
A+
827/1000
2.71
10.4

★★★★★ 4/5

Read review

USAA
A+
884/1000
1.9
6.3

★★★★★ 4/5

Get Quotes
Farmers
A-
820/1000
1.64
4.9

★★★★★ 4/5

Read review

Liberty Mutual
A+
827/1000
2.2
4.7

★★★★★ 4/5

Get Quotes
Nationwide
A+
814/1000
2.08
2.3

★★★★★ 4/5

Read review

Travelers
A+
820/1000
3.28
2

★★★★★ 4/5

Read review

Auto Club Exchange
A+
NR
NR
1.4

★★★★★ 4/5

Cheapest car insurance in Arkansas

CompanyAverage annual rateLearn more
Southern Farm Bureau$598Read review
State Farm$724Read review
AAA$818Read review
Shelter$821
USAA$833Get a quote Read review
Allstate$873
Sentry$1,010
Safeco$1,051
Progressive$1,343Get a quote Read review
Liberty Mutual$1,444Get a quote

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

Compare car insurance providers in Arkansas

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The Zebra
Yes
Yes
Yes
Yes
All 50 states
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Quinstreet - Insure.com
Quinstreet - Insure.com
Yes
Depends on provider
Depends on provider
Depends on provider
All 50 states
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.
Bankrate
Bankrate
Yes
Yes
Yes
Yes
All 50 states
Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.
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Compare up to 4 providers

In Arkansas, the driver at fault pays for damage

Arkansas is an at-fault state, which means that the driver who causes the car accident pays for the damage. Your insurance company and legal authorities will determine who’s at fault, based on the accident details.

However, Arkansas also considers whether both drivers are partially at fault under its modified comparative fault law, according to the legal website Nolo. Under this law, both drivers are assigned a share of fault. Drivers who are less than 50% at fault can get reimbursed for damage caused by other drivers.

For example, if you’re 80% responsible for an accident, your insurance will pay 80% of the other driver’s damages. However, since you’re over 50% at fault, the other driver isn’t required to pay for your damages.

Driving laws in Arkansas

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.

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.

Frequently asked questions about car insurance in Arkansas

How do I register my car in Arkansas?

You must register your car in Arkansas within 30 days of establishing residency in the state. However, before registering your car you must make sure that you’ve purchased auto insurance that meets AR minimum coverage requirements and that you’ve transferred your out-of-state title to an Arkansas one.

To register your car, you’ll have to go in-person to an AR OMV (Office of Motor Vehicles) and present some necessary documents, including your current vehicle registration from another state, proof of AR vehicle insurance and a completed Vehicle Registration application.

Will my rates increase if I file a claim with my car insurance?

Each car insurance provider and policy varies, but it’s possible that your car insurance rates will go up if you file a claim. Some providers offer accident forgiveness programs that ensure your premium stays the same after your first accident. But in many cases, a claim on your policy raises your risk profile — and, in turn, your rates.

Can my insurance company cancel my policy if I file a claim?

It could: Your car insurance has the right to cancel your policy at any time. But most providers reserve cancellation for policyholders who file multiple claims in a short time or engage in risky driving behaviors that result in multiple tickets or DUI/DWIs. You will typically receive notice from your car insurance company before it plans to cancel your policy.

Is my out-of-state insurance policy acceptable for Arkansas?

This will vary on a case-by-case basis, but you’ll almost always need to get a new insurance policy if you move to Arkansas. Either way, make sure that you register your car in Arkansas within 30 days of your move.

How does the state confirm insurance coverage?

The DFA Office of Motor Vehicle does a monthly check of all registered cars. If the database shows no record of your car insurance, you may be asked to provide your proof of insurance to update the database.

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