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Cheapest Car Insurance in Arkansas (Sep 2024)
Cheapest Car Insurance in Arkansas (Sep 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Arkansas.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in Arkansas
- Cheapest Arkansas car insurance for good drivers
- Cheapest car insurance companies in Arkansas
- Arkansas Car Insurance Coverage Requirements
- Arkansas Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Arkansas?
- Arkansas Insurance Cost by Zip Code
- How to lower the cost of car insurance in Arkansas
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
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 |
|---|---|---|---|---|
| Nationwide | $148 | Thomas, 30 | Chevrolet Cruze LT | • State Minimum Liability • Comp / Collision |
| Allstate | $189 | Calvin, 29 | Ford F350 Super Duty | • 50,000/100,000 Liability • Comp / Collision |
| Travelers | $179 | Lucile, 56 | Toyota Camry LE | • 100,000/300,000 Liability • Comp / Collision |
Gainsco | $151 | Caroline, 34 | Dodge Journey SE | • 50,000/100,000 Liability • Comp / Collision |
| National General | $64 | Nelle, 49 | Oldsmobile 98 Regency Elite | • 25,000/50,000 Liability |
Last Updated Sep 9, 2024Cheapest 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 |
|
Elizabeth, 34 | 96 | 37% | No |
|
Jonathan, 44 | 91 | 31% | No |
|
Michelle, 54 | 86 | 27% | No |
|
Cheri, 64 Redfield, AR | 93 | 31% | No |
|
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: |
|---|---|---|---|
| Allstate | September 5, 2024 | 3 | "Always a hurry up and wait game " -Devin |
| Mercury | September 4, 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)" -Billy |
| Farmers | September 1, 2024 | 5 | "It was the best quote I had .. " -Frederick |
| Aspire Advantage | August 31, 2024 | 5 | "Great people low rates an all around good insurance company " -Lucas |
| Dairyland | August 28, 2024 | 5 | "I love that I can pay affordable car insurance! great customer service. " -Rena |
Last Updated Sep 5, 2024
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.
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:
Thomas (30 years old)
$148
per month
Madge (25 years old)
$181
per month
Sophie (46 years old)
$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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
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 | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $94 | Mina, 33 Cave Springs, AR | GMC Acadia Denali |
• 50,000/100,000 Liability • Comp / Collision | Safeco | $153 | Eliza, 29 | Ford Bronco |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $79 | Randy, 36 Little Rock, AR | Mazda CX-5 Touring |
• 25,000/50,000 Liability • Comp / Collision | AAA | $220 | Lee, 23 Lavaca, AR | Nissan Rogue Sport S |
• State Minimum Liability • Comp / Collision | Bristol West | $148 | John, 33 | Chevrolet Express G2500 LT |
Last Updated Sep 9, 2024Average 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:
How Do Different Factors Impact Your Car Insurance Costs in Arkansas?
How Do Different Factors Impact Your Car Insurance Costs in Arkansas?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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 Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $94 | Genevieve, 27 Fayetteville, AR | • 25,000/50,000 Liability • Comp / Collision |
Speeding 16-20 | Travelers | $102 | Antonio, 60 Little Rock, AR | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 9, 2024Over 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:
Save hundreds of dollars best insurance I ever had !
Romey
Awesome customer service and great cheap insurance super happy with my choice!
Brittany
It was fast and help me save a lot of money! I will keep them for ever now!
Oscar
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:
Lillie (32 years old)
$69
per month
Jerome (35 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$108
per month
Roger (32 years old)
$85
per month
Gainsco
Leon (29 years old)
$75
per month
Helen (38 years old)
DUI
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
$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 Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $148 | Douglas, 46 Lamar, AR | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Progressive | $100 | Rhoda, 25 Sheridan, AR | • State Minimum Liability |
Not At Fault | Safeco | $182 | Floyd, 28 Little Rock, AR | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $191 | Michael, 28 Fayetteville, AR | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | Progressive | $195 | Todd, 38 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 5, 2024FAQs
Is Arkansas a no-fault state?
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%.
Does Arkansas require car insurance?
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.
How much is a no insurance ticket in Arkansas?
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.
What is the lowest form of car insurance?
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.
What age is car insurance cheapest?
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:
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $85 | Inez, 53 Mount Ida, AR | Chevrolet Silverado C1500 LT | • 25,000/50,000 Liability |
Defective Equipment | Progressive | $76 | Mathilda, 27 | KIA Optima SX | • 25,000/50,000 Liability • Comp / Collision |
Driving on Sus. License | Safeco | $66 | Myrtie, 56 Summit, AR | Ford Mustang | • 25,000/50,000 Liability |
DUI | Allstate | $108 | Dean, 35 | Ford Mustang | • 50,000/100,000 Liability • Comp / Collision |
Failure to Obey Signal | Nationwide | $244 | Lena, 54 | Ford Fusion Titanium | • 25,000/50,000 Liability • Comp / Collision |
Illegal Turn | Bristol West | $263 | Nora, 34 | Honda Accord EXL | • 25,000/50,000 Liability |
Improper Passing | Gainsco | $185 | Jeffery, 38 Cherokee Village, AR | Nissan Maxima 3.5S | • 25,000/50,000 Liability • Comp / Collision |
Leaving scene of an Accident/Hit and Run | Bristol West | $186 | Rodney, 54 | Ford Fusion S | • 25,000/50,000 Liability • Comp / Collision |
Open Container | Progressive | $70 | Darrell, 23 | Chrysler 200 Limited | • 25,000/50,000 Liability |
Passing School Bus | Dairyland | $94 | Howard, 53 Mount Ida, AR | Chevrolet Silverado C1500 LT | • 25,000/50,000 Liability |
Racing/Drag Racing | Gainsco | $137 | Dale, 25 | Jeep Grand Cherokee Laredo | • 25,000/50,000 Liability |
Speeding 16-20 | State Auto | $86 | Robert, 38 | Mercedes-Benz E 320 | • 25,000/50,000 Liability |
Speeding Violation-Minor | Safeco | $152 | Norman, 25 Fayetteville, AR | Toyota Scion IA | • 25,000/50,000 Liability • Comp / Collision |
Suspension | Gainsco | $66 | Daisy, 29 Fayetteville, AR | Hyundai Santa FE GLS | • 25,000/50,000 Liability |
Vehicle Theft | Progressive | $134 | Nina, 42 | Chevrolet Colorado LT | • 25,000/50,000 Liability • Comp / Collision |
Wrong Way/Wrong Lane | Progressive | $99 | Justin, 25 Glenwood, AR | Toyota Yaris | • 25,000/50,000 Liability |
Other Minor | Allstate | $222 | Laura, 32 Fayetteville, AR | Chrysler 200 S | • 25,000/50,000 Liability • Comp / Collision |
Last Updated Sep 6, 2024How 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.Robert (42 years old)
Currently Insured
Coverage25,000 per person
50,000 per accident bodily injury
$66
per month
Don (58 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Land Rover Discovery Sport HSE Luxury$161
per month
Hettie (28 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$155
per month
Benjamin (29 years old)
Not Currently Insured
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
$177
per month
Mildred (28 years old)
Not Currently Insured
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
$231
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 Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Allstate | $189 | Connor, 29 | Ford F350 Super Duty | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | Safeco | $141 | Dylan, 50 Little Rock, AR | Toyota Corolla L | • 50,000/100,000 Liability • Comp / Collision |
< 550 | Allstate | $242 | Janie, 30 Mansfield, AR | RAM 1500 ST | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 5, 2024How 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:
Inez (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$354
per month
Virginia (23 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$162
per month
Victoria (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
GMC Sierra K1500 SLE$303
per month
Jim (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Alexander, AR$590
per month
Gainsco
Carrie (22 years old)
$145
per month
Eva (24 years old)
$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.Christina (70 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Alexander, AR$126
per month
Hulda (66 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Little Rock, AR$80
per month
Dustin (71 years old)
Coverage250,000 per person
500,000 per accident bodily injury
Comp / Collision
$97
per month
Hettie (65 years old)
$70
per month
Douglas (67 years old)
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
$177
per month
Gainsco
Mittie (66 years old)
$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.- 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)
Check out what Jerry drivers with various popular cars paid for their insurance:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| RAM 1500 Rebel | Progressive | $155 | Nell, 27 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Sep 9, 2024Is 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.
Hester (32 years old)
2005 GMC Envoy
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
England, AR$220
per month
Jacob (61 years old)
$67
per month
Ida (46 years old)
$74
per month
Caroline (36 years old)
$85
per month
Katherine (37 years old)
$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:
Was easy to switch and was very affordable
Hugo
They were able to drop what I was paying for insurance in half
Megan
Fair prices, and helpful staff!
Tera
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:
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance 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 |
Last Updated Sep 9, 2024How 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 offerscar insurance discountsto 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.
- 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
What is the state minimum for car insurance in Arkansas?
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.
Can I just buy liability car insurance in Arkansas?
Yes! Although most drivers are better off purchasing full coverage car insurance, it’s legal to drive with only liability insurance in Arkansas.
Who has the cheapest car 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.
Who has the cheapest car 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.
Can I insure my significant other’s car in Arkansas?
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
.Do they impound your car in Arkansas if you drive with no 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
Do you need insurance to register a car in Arkansas?
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
R.E. Fulton
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.
Lina Zhang
Licensed Insurance Agent
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.
Josh Damico
Head Of Insurance Operations
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.
Learn more
about our editorial standards, and our expert review board *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.