How to find the cheapest car insurance quotes in Arkansas
With car insurance costs rising, it’s more important than ever to find the cheapest option. But you’re mistaken if you think Arkansas is hiding a single holy grail of cheap insurance rates somewhere in the hills.
Each driver has different needs, so their ideal auto insurance company differs as well. If you want to find “the one” with the best coverage, Jerry can help. We’ve been matchmaking customers with the lowest rates in their city for years. Check out our five-star rating and you’ll see that it’s possible to find a long-term, happy relationship—with the right car insurance company, that is.
Check out these real quotes Jerry found for real people below:
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Progressive | $286 | Mary, 33, Magnolia, AR | Toyota Corolla Le | 25/50 | Yes |
| Progressive | $216 | Jessie, 35, Bentonville, AR | Bmw 320 Xi | 25/50 | Yes |
| State Auto | $308 | Juan, 54, Russellville, AR | Ford Crown Victoria Lx | 100/300 | Yes |
| Dairyland | $147 | Jesus, 45, Lonsdale, AR | Ram 1500 St | 50/100 | Yes |
| Progressive | $199 | William, 58, Hot Springs, AR | Kia Soul + | 25/50 | Yes |
Cheapest Arkansas car insurance for good drivers
Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in Arkansas can save up to 40% on their insurance, and with Jerry’s DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
| Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
| Adrian, 25 Damascus, AR | 84 | 23% | No | – 25/50 – Comp/Collision |
| Elizabeth, 34 | 96 | 37% | No | – 100/300 – Comp/Collision |
| Jonathan, 44 Morrilton, AR | 91 | 31% | No | – 100/300 – Comp/Collision |
| Michelle, 54 West Memphis, AR | 86 | 27% | No | – 50/100 – Comp/Collision |
| Cheri, 64 Redfield, AR | 93 | 31% | No | – State Minimum Liability – Comp/Collision |
Cheapest car insurance companies in Arkansas
This article contains recommendations from real drivers just like you. We asked policyholders about the best car insurance rates in the state in one of the largest shopping surveys in the nation.
Safeco and Dairyland came through for the highest number of drivers with low rates and great customer service. USAA helped military members and their families save with amazing discounts. And while Progressive had a lower rating for policy cost, it got strong ratings for customer service.
Let’s look at the five largest auto insurance companies in Arkansas: State Farm, Progressive, Shelter Insurance, Allstate, and Southern Farm Bureau. Here’s what policyholders had to say about the popular kids:
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Bristol West | August 26, 2024 | 5 | “Very nice and easy to communicate with . “ -Marcus |
| Aspire Advantage | August 24, 2024 | 4 | “it’s insurance. way too high but it’s the best price I found. guess that counts for something. “ -Travis |
| Allstate | August 23, 2024 | 3 | “Always a hurry up and wait game “ -Tillie |
| Farmers | August 23, 2024 | 5 | “It was the best quote I had .. “ -Lela |
| Assurance America | August 19, 2024 | 5 | “They help you find rates that fit your financial needs and they’re quick to answer any questions you may have. Couldn…(read more)” -Lettie |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
It takes less than five minutes to sign up with Jerry and tell us what you’re looking for in an auto insurance policy and provider. You’ll get a batch of free car insurance quotes onscreen in no time.
So if you want fewer testimonials and more comparison shopping, try the app backed by 100+ licensed insurance agents and customer service experts. But if you still don’t see the solution to your problems, read on: we’ll cover everything you need to know about finding cheap car insurance in Arkansas.
Minimum car insurance requirements for liability and full coverage in Arkansas
Each driver in Arkansas is required to carry liability car insurance. Liability coverage compensates the injured parties if you cause bodily injuries or property damage while driving. In addition, Arkansas’ car insurance laws require your car insurance policy to meet the minimum coverage requirements.
Cheapest minimum liability coverage in Arkansas
In Arkansas, the state minimum coverage is 25/50/25.
In other words, you need at least $25,000 of bodily injury liability coverage per person, $50,000 of bodily injury liability coverage per accident, and $25,000 of property damage liability coverage per accident. If you’re looking for the cheapest option for car insurance, this is it.
Do you need more than the minimum liability insurance coverage in Arkansas?
The high insurance rates accompanying high coverage limits might tempt you to leave your coverage level at the minimum, but that’s not a good idea.
If you’re at fault in a car accident whose damages exceed your liability coverage limits, you’re underinsured. The plaintiff may sue you if the property damages or bodily injuries you caused are severe—and Arkansas car accident laws allow personal injury lawsuits up to three years after an accident! If you’re found responsible, you’ll have to pay out of pocket for the costs.
The bottom line: Raise your coverage level to 50/100/50 if you have space in your budget, especially if you live in a densely-populated area.
Cheapest full coverage Arkansas auto insurance quotes
Liability coverage benefits other people and their property, whereas full coverage car insurance prioritizes your car.
The typical full-coverage car insurance policy includes liability coverage, collision coverage, and comprehensive coverage. Collision coverage pays for any damage to your car caused by an impact with another vehicle or a stationary object. Damages from vandalism, theft, or inclement weather fall under comprehensive coverage.
Full-coverage car insurance is great if you’ve just invested in a motor vehicle with a high trim level. You’ll also be required to purchase full coverage if you just signed a lease or financing agreement.
But just because you want full coverage doesn’t mean you have to pay full price!
Check out what real Jerry users paid for different coverage levels below:
|
Insurance Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| 25/50 | Yes | Progressive | $286 | Mary, 33, Magnolia, AR | Toyota Corolla Le |
| 25/50 | Yes | Progressive | $216 | Jessie, 35, Bentonville, AR | Bmw 320 Xi |
| 100/300 | Yes | State Auto | $308 | Juan, 54, Russellville, AR | Ford Crown Victoria Lx |
| 50/100 | Yes | Dairyland | $147 | Jesus, 45, Lonsdale, AR | Ram 1500 St |
| 25/50 | Yes | Progressive | $199 | William, 58, Hot Springs, AR | Kia Soul + |
Average rates for minimum liability coverage and full coverage car insurance in Arkansas
As of May 2023, the average minimum liability car insurance policy in Arkansas costs $107 per month and $1,285 per year. The average full-coverage car insurance policy costs $184 per month and $2,204 per year.
Here’s the good news: you can shop with a comparison app for cheap car insurance quotes to knock a few hundred dollars off these estimates. Find a car insurance provider that suits your driver profile, driving history, and credit history, and you can cut it down even further.
Other types of Arkansas auto insurance
Buying car insurance that follows the minimum requirements can leave you with a lot of bills after a car accident. Consider picking up additional coverage options to pay for:
- Leftover loan balance on a totaled car with gap insurance.
- Medical treatments, physical therapy, and follow-up appointments with MedPay.
- Liability coverage while borrowing somebody else’s car with non-owner car insurance.
- Hospitalization, surgical fees, and lost wages with Personal Injury Protection (PIP).
- Rental car costs with rental reimbursement coverage.
- Gas delivery, battery boosts, and emergency mechanical services with towing and labor coverage.
- Collisions with an underinsured or uninsured motorist with uninsured motorist coverage.
Learn more: Types of insurance
Car insurance premium by rating factors
When calculating your annual premium, insurance providers consider many factors. Among the things they look at are:
- Your age and demographics: Compared to the rest of the population, new drivers, teen drivers, and senior drivers pay much higher average premiums.
- Your driving record and claims history: Good drivers with good driving histories pay much lower car insurance premiums.
- Your parking spot: Small towns enjoy better rates than cities, where frequent car accidents and crimes cause millions of dollars of property damage.
- Your ride: Budget cars that use inexpensive materials and are cheap to fix come with the cheapest insurance options.
- Your driving habits: Stay-at-home workers and retirees have much lower annual rates than commuters who regularly participate in rush hour.
How to find cheap Arkansas car insurance if you’re a high-risk driver
A poor Arkansas driving record is one of the biggest obstacles to finding the cheapest rates for car insurance. Some auto insurance providers refuse to insure high-risk drivers with DUI convictions, speeding tickets, or SR-22 filing requirements. Thankfully, many don’t mind working with auto owners that have made mistakes.
How to find cheap car insurance in Arkansas after a speeding ticket
Depending on the speed you were going and the number of offenses you’ve committed, Arkansas speeding tickets carry various penalties. If you commit an offense, you could face a:
- $100 fine and/or 10 days in jail (for the first violation up to 15 mph over)
- $200 fine and/or 20 days in jail (for the second violation up to 15 mph over)
- $500 fine and/or six months in jail (for the third violation up to 15 mph over)
- $500 fine, 30 days in jail, and a Class C misdemeanor conviction (for any violation of 15 or more mph over the speed limit)
- Double fines (for speeding in a construction zone)
As a result of speeding, you may also receive 3-8 demerit points on your driver’s license. Sadly, your annual rates will increase by much more than $3-$8. Look for an auto insurance provider that will reward you for taking a defensive driving course to bring them back down.
Check out what real Jerry drivers with various speeding violations paid for their insurance below:
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Speeding 6-10 | Travelers | $162 | Aiden, 31, North Little Rock, AR | 25/50 | Yes |
| Speeding Violation-Minor | Safeco | $251 | Cordelia, 28, West Memphis, AR | 25/50 | Yes |
| Speeding Violation-Minor | Progressive | $195 | Delia, 54, Van Buren, AR | 25/50 | Yes |
| Speeding Violation-Minor | Progressive | $90 | Cody, 29, Fayetteville, AR | State Minimum | No |
| Speeding Violation-Minor | Safeco | $355 | Ricardo, 52, Bella Vista, AR | 50/100 | Yes |
How to find cheap Arkansas auto insurance after a DUI
Under Arkansas’s DUI laws, a conviction for driving with a blood-alcohol level of 0.08% or higher will remain on your driving record for five years. That’s five years of sky-high car insurance premiums! Not to mention a $150-$1,000 fine, a possible jail sentence, and a driver’s license suspension.
To reduce costs, choose a car insurance provider that offers a variety of insurance discounts. Jerry has helped many high-risk Arkansas drivers with a DUI conviction find cheap rates and move on.
The cheapest Arkansas car insurance companies for SR-22 insurance
Depending on the severity of your offense, you may need to file an SR-22 in Arkansas for three to five years.
SR-22 insurance must be filed by your insurance provider and renewed yearly. Even a short lapse in payment threatens your driver’s license. Look for a company willing to file an SR-22 on your behalf by comparing as many quotes as possible.
How to find cheap car insurance in Arkansas after an at-fault accident
A clean driving record reassures insurance providers that you won’t get into a car accident and make an expensive claim. A history of tickets and traffic violations is harder to credit.
If an at-fault car accident derailed your insurance rates, get back on track by getting rid of accidents on your driving record. And trust Jerry to help you find affordable quotes after an at-fault accident like these Arkansas drivers did:
|
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| At Fault With No Injury | Progressive | $286 | Mary, 33, Magnolia, AR | 25/50 | Yes |
| At Fault With No Injury | Progressive | $199 | William, 58, Hot Springs, AR | 25/50 | Yes |
| Not At Fault | Progressive | $176 | Lena, 61, Warren, AR | 25/50 | Yes |
| At Fault With No Injury | Progressive | $468 | Jon, 28, Gentry, AR | 25/50 | Yes |
| Not At Fault | Aspen | $107 | Madge, 31, Camden, AR | 25/50 | Yes |
FAQ
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Is Arkansas a no-fault state?
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Does Arkansas require car insurance?
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How much is a no insurance ticket in Arkansas?
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What is the lowest form of a car insurance?
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What age is car insurance cheapest?
The best Arkansas auto insurance for other high-risk drivers
Whether you end up with a speeding ticket, a DUI conviction, or any other traffic violation, it doesn’t mean the end of affordable car insurance rates. Here are some of the places Arkansas drivers found low rates after committing a variety of traffic violations:
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Failure to Obey Signal | Progressive | $51 | Louise, 27, Jerusalem, AR | 25/50 | No |
| Failure to show documents | Progressive | $80 | Francis, 25, Atkins, AR | State Minimum | No |
| Failure to Obey Signal | Progressive | $33 | Sue, 38, Rogers, AR | 25/50 | No |
| Driving on Sus. License | Progressive | $45 | Roy, 46, Greenbrier, AR | State Minimum | No |
| Careless Driving | Progressive | $71 | Cecilia, 30, West Fork, AR | State Minimum | No |
How to find cheap Arkansas car insurance based on your insurance history
No matter the reason or the length of time, a gap in your car insurance history spooks insurance providers that are always on the alert for high-risk behavior.
To stop a car insurance lapse from impacting your rates, call your provider and ask if they offer any grace periods and whether they can reinstate your policy. If not, try shopping around. Jerry can help you sign up with a new insurance company in just a few taps and send you automatic payment and renewal reminders to avoid a future gap.
How to find cheap Arkansas car insurance with a low credit score
Unfortunately, paying for car insurance doesn’t build your credit score, but having low credit can stop you from finding the best rates. Car insurance providers aren’t comfortable with the idea that you might leave your annual premiums unpaid.
Bad credit drivers pay almost double the average rate for car insurance when compared to drivers with excellent credit. If you have a credit score of 550 or less, it’s essential to look for an insurance provider who offers flexible payment plans and grace periods.
Check out these real Jerry quotes for drivers with various credit scores:
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| 550-659 | Progressive | $199 | William, 58, Hot Springs, AR | Kia Soul + | 25/50 | Yes |
| 550-659 | Aspen | $107 | Madge, 31, Camden, AR | Nissan Rogue Sport S | 25/50 | Yes |
| 550-659 | Gainsco | $81 | Franklin, 30, Camden, AR | Ford Escape Se | 25/50 | No |
| 550-659 | Dairyland | $129 | Alexander, 55, Lamar, AR | Lexus Rx 350 | 25/50 | Yes |
| 550-659 | Progressive | $189 | Roxie, 24, Fort Smith, AR | Ford Mustang | 25/50 | No |
How to find cheap auto insurance in Arkansas for your age
Teen drivers, mark your 25th birthdays on your calendars. That’s when car insurance rates typically start to decline for young drivers. At age 75 rates begin to rise again. Whether you’re an old or young driver who falls outside this golden bracket, here’s how to make the most of your age.
The best car insurance companies in Arkansas for young drivers
Teen drivers between 16 and 19 struggle to find affordable rates because they’re most likely to end up in a motor vehicle crash. The situation isn’t any better for young drivers under 25 or new drivers. Without a safe driving record, insurance providers charge the highest premiums.
Consider a full coverage car insurance policy if you’re insuring an inexperienced driver. No matter who is at fault for an accident, collision coverage will pay for repairs to your car. Grab an insurance quote comparison app to find cheap car insurance for new drivers.
The best car insurance companies for senior drivers in Arkansas
Even with a lifetime of safe driving experience, aging presents driving challenges that aren’t easy to overcome. Hearing and vision loss make it difficult to see collisions coming; increased reaction times make obstacles difficult to avoid. As a result, insurance providers feel justified in charging seniors higher rates for car insurance.
Most of them, anyway. Companies like AARP target older adults and offer some of the best car insurance for seniors. Count on Jerry’s expert customer service team to help you find affordable plans and coverage options.
How to find car insurance discounts in Arkansas for your motor vehicle
The cheapest cars to insure have low repair costs, great security systems, and excellent safety ratings. Insurance providers love them because they prevent huge garage bills, theft, and costly crash injuries.
For most Arkansas drivers, these five models fit the bill perfectly:
- GMC Sierra 1500 (average insurance cost: $2,456/year)
- Ford F-150 (average insurance cost: $2,166 per year)
- RAM 1500 Limited (average insurance cost: $2,948 per year)
- Chevrolet Silverado (average insurance cost: $2,185 per year)
- Toyota RAV 4 (average insurance cost: $2,228 per year)
Learn more: How to get car insurance before buying a car
Check out what Jerry drivers with various popular cars paid for their insurance:
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Chevrolet Silverado K1500 High Country | Progressive | $130 | Lucile, 50, Little Rock, AR | 25/50 | Yes |
| Chevrolet Silverado K1500 Ltz | Nationwide | $141 | Katherine, 56, Bryant, AR | 50/100 | Yes |
| Gmc Sierra C1500 | Progressive | $258 | Lettie, 22, Fayetteville, AR | 25/50 | No |
| Chevrolet Silverado C1500 | Progressive | $42 | Gregory, 74, Ward, AR | State Minimum | No |
| Chevrolet Silverado K1500 | Progressive | $45 | Roy, 46, Greenbrier, AR | State Minimum | No |
Learn more: How to get car insurance before buying a car
Is it cheaper to insure a new car or a used car?
On average, new cars cost more to insure than old ones. Enhanced driver-assistive technology contains many pricey parts—like sensors, screens, and software—that have only gotten more expensive due to supply chain issues. Compare the insurance costs for a new Honda CRV with a model from five years ago to see what we mean.
The best way to save money is to buy tried-and-true classics. You can also turn technology to your advantage by having Jerry compare car insurance quotes for car insurance, no matter the model or make of your car.
How to find cheap car insurance in Arkansas in your city
Where you live determines whether your rates fall above or below the average cost of car insurance in Arkansas. If you live in Little Rock or Fayetteville, it’s probably more. If you live in Mountain Pine, Oakland, or any other town with a triple-digit population, it’s probably less.
Crime, car crashes, and congestion contribute to higher rates. Having a licensed car insurance broker who can help you score a great deal is the only advantage of living in a big city—or it would be if you couldn’t use Jerry to find affordable annual premiums no matter where you are.
Check out what Jerry drivers in different cities paid for their car insurance:
|
City
|
Customer
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Magnolia, AR | Mary | Progressive | $286 | Toyota Corolla Le | 25/50 | Yes |
| Bentonville, AR | Jessie | Progressive | $216 | Bmw 320 Xi | 25/50 | Yes |
| Russellville, AR | Juan | State Auto | $308 | Ford Crown Victoria Lx | 100/300 | Yes |
| Lonsdale, AR | Jesus | Dairyland | $147 | Ram 1500 St | 50/100 | Yes |
| Hot Springs, AR | William | Progressive | $199 | Kia Soul + | 25/50 | Yes |
How to lower the cost of car insurance in Arkansas
Many factors determine your annual premiums, but an affordable rate is what you make of it. Here are Jerry’s insurance agents’ top tips for doing that:
- Compare auto insurance rates from different companies to find the most affordable plan.
- Get a discount by bundling your car and home insurance policies.
- Find out if your provider offers car insurance discounts to young drivers, students, veterans, or other groups.
- Reduce your monthly bills by increasing your deductible.
- Switch to electronic billing and lump sum payments to save money.
- Reduce your car insurance rates by taking a defensive driving course.
- Remove collision and comprehensive coverage from older cars that would cost more to repair than they’re worth.
Why is car insurance so expensive in Arkansas?
Don’t beat yourself up if you can’t find a cheaper rate no matter what you do. The cost of car insurance is on the rise across the country. You can blame higher rates in Arkansas on:
- Rising annual premiums: The national average rate for car insurance rose almost 50% between 2021 and 2023.
- Motor vehicle fatality rates: In 2021, the US Department of Transportation reported 22.9 deaths per 100,000 residents in Arkansas, far higher than the national average of 12.9.
- Extreme weather events: The state of Arkansas is located in “tornado fatality alley”, whose high winds create higher costs for car insurance.
- The cost of medical care: Medical costs are rising while road rage and distracted driving are causing more frequent and severe crash injuries.
- Uninsured motorists: Almost 20% of Arkansas drivers are uninsured, the eighth-highest rate among all states.As insurance providers shoulder higher costs, so do policyholders.
FAQ
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What is the state minimum for car insurance in Arkansas?
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Can I just buy liability car insurance in Arkansas?
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Who has the cheapest car insurance in Arkansas?
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Can I insure my significant other’s car in Arkansas?
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Do they impound your car in Arkansas if you drive with no insurance?
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Do they need insurance to register a car in Arkansas?
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
