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Cheapest Car Insurance in Arkansas (Jul 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Arkansas.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

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 CompanyPremium (monthly)CustomerCarInsurance Coverage
Nationwide
$148
Chevrolet Cruze LT
• State Minimum Liability
• Comp / Collision
Allstate
$189
Ford F350 Super Duty
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$179
Toyota Camry LE
• 100,000/300,000 Liability
• Comp / Collision
Gainsco
$151
Dodge Journey SE
• 50,000/100,000 Liability
• Comp / Collision
National General
$64
Oldsmobile 98 Regency Elite
• 25,000/50,000 Liability
coverageLast Updated Jul 24, 2024

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
91
31%
No
  • 100/300
  • Comp/Collision
Michelle, 54
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 companyDateCost rating (out of 5)What our customer said:
Allstate
July 17, 2024
5
"Went from paying $130 a month and now pay $57 a month. I recommend Allstate, they have so many rewards and easy to pa...(read more)"
-Ronnie
Dairyland
July 16, 2024
5
"Cheapest and best insurance I’ve ever used friendly customer service and allways willing to help "
-Devin
Aspire Advantage
July 10, 2024
4
"it's insurance. way too high but it's the best price I found. guess that counts for something. "
-Isabella
Bristol West
July 8, 2024
5
"Jerry has made my insurance shopping a pleasure . It was so easy and very professional. I can’t thank Jerry enough fo...(read more)"
-Jean
Founders
July 4, 2024
4
"Best one out here for insurance"
-Hallie
coverageLast Updated Jul 24, 2024
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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. 
Here’s an idea of the best rates you can find in Arkansas with the minimum coverage:
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Jean (27 years old)
coverageCoverage
State Minimum
locationStamps, AR
carNissan Altima
$115
per month
card cover
Ophelia (30 years old)
coverageCoverage
State Minimum
carNissan Rogue Sport S
$81
per month
card cover
Thomas (30 years old)
coverageCoverage
State Minimum
carChevrolet Cruze LT
$148
per month
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Madge (25 years old)
coverageCoverage
State Minimum
locationDe Valls Bluff, AR
carVolkswagen CC Sport
$181
per month
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Sophie (46 years old)
coverageCoverage
State Minimum
carFord F250 Super Duty
$125
per month

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.
Lower my car insurance too!

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 CoverageInsurance CompanyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$94
GMC Acadia Denali
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$153
Ford Bronco
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$79
Mazda CX-5 Touring
• 25,000/50,000 Liability
• Comp / Collision
AAA
$220
Nissan Rogue Sport S
• State Minimum Liability
• Comp / Collision
Bristol West
$148
Chevrolet Express G2500 LT
coverageLast Updated Jul 24, 2024

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 $106 per month and $1,274 per year. The average full-coverage car insurance policy costs $184 per month and $2,211 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:

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 Do Different Factors Impact Your Car Insurance Costs in Arkansas?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Arkanas currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Alabama:

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 TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Progressive
$94
• 25,000/50,000 Liability
• Comp / Collision
Speeding 16-20
Travelers
$102
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 24, 2024

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Dairyland
Save hundreds of dollars best insurance I ever had !
Romey
Gainsco
Awesome customer service and great cheap insurance super happy with my choice!
Brittany
Progressive
It was fast and help me save a lot of money! I will keep them for ever now!
Oscar
Progressive
Love the low prices!!!
Jacob

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.
Check out these real quotes Jerry found for high-risk drivers:
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Lillie (32 years old)
DUI
coverageCoverage
25,000 per person
50,000 per accident bodily injury
carFiat 500 POP
$69
per month
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Jerome (35 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$108
per month
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Roger (32 years old)
DUI
coverageCoverage
25,000 per person
50,000 per accident bodily injury
carChevrolet Malibu LS
$85
per month
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Gainsco
Leon (29 years old)
DUI
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationWickes, AR
carHyundai Sonata GLS
$75
per month
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Helen (38 years old)
DUI
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
carToyota Corolla LE
$140
per month

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 TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Progressive
$148
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Progressive
$100
• State Minimum Liability
Not At Fault
Safeco
$182
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Travelers
$191
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
Progressive
$195
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 20, 2024

FAQs

No, Arkansas isn’t a
no-fault state
.
Arkansas comparative negligence laws
permit drivers who are 49% or less at fault to claim damages. For example, if you were just 25% at fault for causing a car accident, you could file a claim with the other driver’s insurance provider and receive 75% of your damages.
The bottom line: After a car accident in Arkansas, the damages you can claim are reduced by your percentage of fault, up to a maximum of 49%.
Yes. Car insurance is mandatory for all drivers in Arkansas, without exception—and failure to purchase car insurance could land you in serious legal trouble.
The fine for a first offense of driving without insurance in Arkansas is between $50 and $250, but subsequent offenses carry fines up to $1,000—and for a third or subsequent offense, you can be sentenced to jail for up to a year. Your registration will also be suspended whether it’s a first offense or a fortieth, and the police may choose to impound your vehicle.
Liability-only insurance is the simplest and cheapest form of car insurance—but it doesn’t offer much protection for you or your vehicle. A basic full-coverage policy that includes both collision and comprehensive coverage is the best option for most Arkansas drivers.
Most drivers will pay the least for car insurance between the ages of 45 and 70. Drivers at these ages typically show a long driving and insurance history along with strong credit scores and other positive rating factors.

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:
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Careless Driving
Progressive
$85
Chevrolet Silverado C1500 LT
• 25,000/50,000 Liability
Defective Equipment
Progressive
$76
KIA Optima SX
• 25,000/50,000 Liability
• Comp / Collision
Driving on Sus. License
Safeco
$66
Ford Mustang
• 25,000/50,000 Liability
DUI
Allstate
$108
Ford Mustang
• 50,000/100,000 Liability
• Comp / Collision
Failure to Obey Signal
Nationwide
$244
Ford Fusion Titanium
• 25,000/50,000 Liability
• Comp / Collision
Illegal Turn
Bristol West
$263
Honda Accord EXL
• 25,000/50,000 Liability
Improper Passing
Gainsco
$185
Nissan Maxima 3.5S
• 25,000/50,000 Liability
• Comp / Collision
Leaving scene of an Accident/Hit and Run
Bristol West
$186
Ford Fusion S
• 25,000/50,000 Liability
• Comp / Collision
Open Container
Progressive
$70
Chrysler 200 Limited
• 25,000/50,000 Liability
Passing School Bus
Dairyland
$94
Chevrolet Silverado C1500 LT
• 25,000/50,000 Liability
Racing/Drag Racing
Gainsco
$137
Jeep Grand Cherokee Laredo
• 25,000/50,000 Liability
Speeding 16-20
State Auto
$86
Mercedes-Benz E 320
• 25,000/50,000 Liability
Speeding Violation-Minor
Safeco
$152
Toyota Scion IA
• 25,000/50,000 Liability
• Comp / Collision
Suspension
Gainsco
$66
Hyundai Santa FE GLS
• 25,000/50,000 Liability
Vehicle Theft
Progressive
$134
Chevrolet Colorado LT
• 25,000/50,000 Liability
• Comp / Collision
Wrong Way/Wrong Lane
Progressive
$99
Toyota Yaris
• 25,000/50,000 Liability
Other Minor
Allstate
$222
Chrysler 200 S
• 25,000/50,000 Liability
• Comp / Collision
coverageLast Updated Jul 21, 2024

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.
card cover
Bradley (25 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
carToyota Corolla CE
$62
per month
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Don (58 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carLand Rover Discovery Sport HSE Luxury
$161
per month
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Brent (30 years old)
Currently Insured
coverageCoverage
State Minimum
carNissan Rogue Sport S
$81
per month
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Benjamin (29 years old)
Not Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
carChevrolet Silverado K1500 LT
$177
per month
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Emma (45 years old)
Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationPeach Orchard, AR
carToyota Camry CE
$76
per month
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Alta (42 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carToyota RAV4 Sport
$155
per month

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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
660 - 750
Allstate
$189
Ford F350 Super Duty
• 50,000/100,000 Liability
• Comp / Collision
550 - 659
Safeco
$141
Toyota Corolla L
• 50,000/100,000 Liability
• Comp / Collision
< 550
Allstate
$242
RAM 1500 ST
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 20, 2024

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
.
Check out what these young drivers paid for car insurance:
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Inez (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carDodge Charger SXT
$354
per month
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Virginia (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carChevrolet Spark LS
$162
per month
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Victoria (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carGMC Sierra K1500 SLE
$303
per month
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Jim (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationAlexander, AR
carDodge Challenger SXT
$590
per month
card cover
Gainsco
Carrie (22 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationRavenden, AR
carDodge Avenger SE
$145
per month
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Eva (24 years old)
coverageCoverage
State Minimum
locationBooneville, AR
carNissan Versa Note S
$119
per month

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.
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Christina (70 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationAlexander, AR
carJeep Cherokee Latitude Plus
$126
per month
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Hulda (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLittle Rock, AR
carCadillac XT5 Luxury
$80
per month
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Dustin (71 years old)
coverageCoverage
250,000 per person
500,000 per accident bodily injury
Comp / Collision
carRAM 1500 Classic Tradesman
$97
per month
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Hettie (65 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
carChevrolet Camaro LS
$70
per month
card cover
Douglas (67 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
carHonda Accord EXL
$177
per month
card cover
Gainsco
Mittie (66 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationCherry Valley, AR
carHonda CR-V EX
$111
per month

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:
Check out what Jerry drivers with various popular cars paid for their insurance:
Popular CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
RAM 1500 RebelProgressive
$155
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 24, 2024

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.
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Hester (32 years old)
2005 GMC Envoy
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationEngland, AR
$220
per month
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Jacob (61 years old)
2000 Jeep Grand Cherokee Laredo
coverageCoverage
State Minimum
locationEngland, AR
$67
per month
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Ricardo (39 years old)
2005 Jeep Grand Cherokee Limited
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPottsville, AR
$89
per month
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Ida (46 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationMayflower, AR
$74
per month
card cover
Caroline (36 years old)
2002 Ford Focus SE
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationDierks, AR
$85
per month
card cover
Katherine (37 years old)
2002 Chevrolet Tahoe C1500
coverageCoverage
25,000 per person
50,000 per accident bodily injury
$97
per month

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Dairyland
Was easy to switch and was very affordable
Hugo
Progressive
They were able to drop what I was paying for insurance in half
Megan
Allstate
Fair prices, and helpful staff!
Tera
State Auto
Wonderful experience! Saving $77 a month!
Kaytlin

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:
CityCustomerInsurance CompanyPremium (monthly)CarInsurance coverage
Hot Springs National Park, AR
Grace, 42
Progressive
$66
Toyota Tacoma Xtracab
• 25,000/50,000 Liability
Lowell, AR
Ola, 29
Allstate
$189
Ford F350 Super Duty
• 50,000/100,000 Liability
• Comp / Collision
Jonesboro, AR
Lela, 29
Safeco
$153
Ford Bronco
• 50,000/100,000 Liability
• Comp / Collision
Hot Springs National Park, AR
Julia, 39
AAA
$100
Ford Focus SE
• 25,000/50,000 Liability
Hot Springs, AR
Lucille, 55
Mercury
$163
Nissan Rogue S
• 30,000/60,000 Liability
• Comp / Collision
Pocahontas, AR
Mabel, 30
Gainsco
$87
KIA Forte LX
• 25,000/50,000 Liability
Fort Smith, AR
Luke, 49
National General
$64
Oldsmobile 98 Regency Elite
• 25,000/50,000 Liability
Texarkana, AR
Derrick, 30
Clearcover
$93
Nissan Rogue S
• 30,000/60,000 Liability
Rogers, AR
Hester, 27
State Auto
$89
KIA Optima LX
• 25,000/50,000 Liability
Fort Smith, AR
Leo, 42
The General
$159
Hyundai Accent SE
• 25,000/50,000 Liability
• Comp / Collision
Russellville, AR
Tommy, 40
Dairyland
$101
Jeep Cherokee Limited
• 25,000/50,000 Liability
Hope, AR
Rosetta, 35
Assurance America
$83
Ford Flex SEL
• 25,000/50,000 Liability
• Comp / Collision
coverageLast Updated Jul 24, 2024

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:
  1. Compare auto insurance rates from different companies to find the most affordable plan.
  2. Get a discount by bundling your car and home insurance policies.
  3. Find out if your provider offers
    car insurance discounts
    to young drivers, students, veterans, or other groups.
  4. Reduce your monthly bills by increasing your deductible.
  5. Switch to electronic billing and lump sum payments to save money.
  6. Reduce your car insurance rates by taking a
    defensive driving course
    .
  7. 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.

FAQs

In Arkansas, you need liability car insurance with coverage limits of at least 25/50/25. This policy includes $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. Insurance providers generally offer the cheapest rates for minimum coverage.
Yes! Although most drivers are better off purchasing full coverage car insurance, it’s legal to drive with only liability insurance in Arkansas.
The company with the cheapest car insurance in Arkansas depends on the type of driver you are. Each provider determines your annual premiums based on your driver profile, which includes your driving history, insurance history, and credit score. Your eligibility for discounts can also affect your rates. Shop around to find the cheapest car insurance quotes.
The company with the cheapest car insurance in Arkansas depends on the type of driver you are. Each provider determines your annual premiums based on your driver profile, which includes your driving history, insurance history, and credit score. Your eligibility for discounts can also affect your rates. Shop around to find the cheapest car insurance quotes.
Unfortunately,
you cannot insure a car that’s not in your name
. Insurance providers usually require the registered auto owner to purchase insurance for a vehicle. If you’d like to be covered while driving another person’s car, you can either buy non-owner liability insurance or ask the auto-owner to
add a driver to their car insurance
.
Yes, a law enforcement officer may impound your car in Arkansas if they catch you driving without car insurance and
  • A canceled, suspended, or revoked driver’s license
  • An unofficial license plate
  • False registration
  • No driver’s license
  • No license plate
  • No vehicle registration
Yes, you need car insurance
to register a car in Arkansas
. Car buyers, new residents, and Arkansas drivers looking to renew their vehicle registration can do so in person, by phone, by mail, or online. In all three cases, you must present
proof of insurance
that meets the state minimum car insurance requirements.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
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.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just 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.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*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.