Key Takeaways
- Aspen, National General and Progressive offer some of the cheapest car insurance in Arkansas.
- The average cost of minimum coverage in Arkansas is around $100 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Arkansas.
You can get cheap car insurance in Arkansas from companies like Aspen, National General and Progressive. These providers are among the most affordable in the state, according to real quotes from Jerry customers.
Car insurance is required to legally drive in Arkansas, whether you’re navigating the Pig Trail Scenic Byway’s sharp curves or cruising on any of the state’s 16,000 miles of highways. Here’s the cheapest car insurance in Arkansas for liability-only and full coverage, and rates broken down by age, driving history and for low credit score.
Cheap liability car insurance in Arkansas
The cheapest car insurance is a liability-only policy, but it pays only for others’ injuries or property damage you cause in a crash.
These are the cheapest car insurance companies in Arkansas for minimum coverage, according to Jerry’s data.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 23 | Honda Civic | National General | $91 | March 12, 2025 |
| 43 | Ford F-150 | Progressive | $270 | March 12, 2025 |
| 54 | Honda Accord | Aspen | $68 | March 12, 2025 |
| 30 | Toyota Corolla | Progressive | $106 | March 12, 2025 |
| 26 | Hyundai Sonata | National General | $77 | March 12, 2025 |
| 23 | Dodge Avenger | Dairyland | $245 | March 12, 2025 |
| 38 | Hyundai Sonata | Gainsco | $52 | March 12, 2025 |
| 55 | Cadillac Brougham | Trexis | $44 | March 12, 2025 |
| 31 | Toyota Yaris | Progressive | $72 | March 12, 2025 |
| 40 | Dodge Journey | Root | $190 | March 12, 2025 |
Minimum liability car insurance requirements in Arkansas
In Arkansas, the minimum liability requirements are:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability.
Cheap full coverage car insurance in Arkansas
Below are the cheapest auto insurers in Arkansas for full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Assurance America | $143 | $1,716 |
| Embark General | $161 | $1,928 |
| National General | $214 | $2,572 |
| Aspen | $218 | $2,620 |
| Progressive | $235 | $2,826 |
| Safeco | $248 | $2,971 |
| Trexis | $257 | $3,082 |
| Mendota | $281 | $3,371 |
| Gainsco | $302 | $3,628 |
| Root | $322 | $3,863 |
Minimum liability vs. full coverage in Arkansas
Minimum coverage pays only for injuries or property damage you cause in an accident. It won’t cover damage to your own car.
Full coverage includes Arkansas’ minimum requirements, as well as coverage for your own car’s damage from things like collisions with other vehicles, theft and even weather. Considering Arkansas is vulnerable to weather events like tornadoes, full coverage can be a wise choice.
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
Here’s what full coverage typically includes, and what it pays for:
- Liability insurance: covers injuries or property damage you cause to someone else in an accident.
- Collision coverage: pays for damage to your vehicle after an accident regardless of who was responsible. This coverage has a deductible.
- Comprehensive coverage: pays for vehicle damage caused by a non-collision event like weather and theft. This coverage has a deductible.
Average car insurance costs for young drivers in Arkansas
Young drivers typically pay more for auto coverage because they have less driving experience and are considered riskier to insure.
Below are the average costs of car insurance in Arkansas for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $307 | $3,678 |
| 21-24 | $255 | $3,058 |
Cheap liability car insurance in Arkansas for a 20-year-old
Here are the most affordable insurers in Arkansas for 20-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $137 | $1,643 |
| Commonwealth Insurance | $142 | $1,706 |
| National General | $166 | $1,989 |
| Aspen | $185 | $2,218 |
| Dairyland | $187 | $2,247 |
Cheap full coverage in Arkansas for a 20-year-old
These are the cheapest car insurance companies in Arkansas for 20-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $319 | $3,826 |
| Progressive | $388 | $4,658 |
| Aspen | $409 | $4,910 |
| Dairyland | $412 | $4,946 |
| National General | $416 | $4,994 |
Average auto insurance costs for mature drivers in Arkansas (25-54)
The cost of car insurance starts to decrease as drivers get older and more experienced on the road.
Below are the average costs of car insurance for drivers in Arkansas between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $180 | $2,155 |
| 35-44 | $146 | $1,758 |
| 45-54 | $129 | $1,551 |
Cheapest liability car insurance in Arkansas for a 35-year-old
These are the cheapest car insurance companies in Arkansas for 35-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspen | $78 | $932 |
| National General | $83 | $991 |
| Trexis | $91 | $1,090 |
| Dairyland | $108 | $1,295 |
| Gainsco | $119 | $1,430 |
Cheapest full coverage in Arkansas for a 35-year-old
Below are the cheapest auto insurers in Arkansas for 35-year-olds with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $157 | $1,882 |
| National General | $191 | $2,294 |
| Root | $212 | $2,549 |
| Aspen | $218 | $2,620 |
| Trexis | $223 | $2,673 |
Average car insurance costs for older drivers in Arkansas (55+)
Auto insurance costs usually reach their lowest for drivers around age 50, but tend to creep back up for drivers over 65.
Below are the average costs of car insurance for drivers in Arkansas 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $122 | $1,462 |
| 65+ | $140 | $1,677 |
Cheapest liability car insurance in Arkansas for a 65-year-old
These are the cheapest car insurance companies in Arkansas for 65-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspen | $71 | $855 |
| Trexis | $84 | $1,003 |
| National General | $86 | $1,037 |
| Progressive | $90 | $1,079 |
| Gainsco | $145 | $1,741 |
Cheapest full coverage in Arkansas for a 65-year-old
Here are the most affordable insurers in Arkansas for 65-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $101 | $1,213 |
| National General | $109 | $1,311 |
| Dairyland | $174 | $2,086 |
| Aspen | $220 | $2,640 |
| Gainsco | $302 | $3,620 |
Cheapest car insurance in Arkansas by driving history
Your driving history plays a big role in your premium costs. If you have a clean record, you’ll likely pay less than someone with violations like a speeding ticket or at-fault accident.
Cheap car insurance for drivers with clean records in Arkansas
Here are the most affordable insurers in Arkansas for those with clean driving records, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $52 | $619 |
| Bluefire | $52 | $626 |
| First Acceptance | $88 | $1,050 |
| Embark General | $105 | $1,261 |
| Assurance America | $106 | $1,272 |
Cheapest car insurance with a speeding ticket in Arkansas
Below are the cheapest auto insurers in Arkansas for people with speeding violations.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $86 | $1,037 |
| Assurance America | $165 | $1,976 |
| Aspen | $173 | $2,071 |
| National General | $173 | $2,082 |
| Trexis | $185 | $2,221 |
Cheapest car insurance after an at-fault accident with no injury in Arkansas
Here are the most affordable insurers in Arkansas for those with an at-fault accident with no injury, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $191 | $2,290 |
| Aspen | $207 | $2,479 |
| Safeco | $210 | $2,518 |
| Trexis | $211 | $2,528 |
| Progressive | $237 | $2,843 |
Cheapest auto insurance after an at-fault accident with injury in Arkansas
Below are the cheapest auto insurers in Arkansas for people with an at-fault accident with injury on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $96 | $1,154 |
| National General | $199 | $2,383 |
| Trexis | $216 | $2,592 |
| Safeco | $245 | $2,944 |
| Aspen | $253 | $3,034 |
Cheapest car insurance with a DUI in Arkansas
Here are the most affordable insurers in Arkansas for those with a DUI, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $88 | $1,056 |
| Progressive | $115 | $1,386 |
| Trexis | $125 | $1,498 |
| Gainsco | $160 | $1,921 |
| Aspen | $213 | $2,559 |
Average auto insurance costs for Arkansas drivers with other violations
Below are average car insurance costs in Arkansas for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $186 | $2,228 |
| Defective Equipment | $93 | $1,120 |
| Driving on Sus. License | $207 | $2,488 |
| Failure to Obey Traffic Sign | $144 | $1,729 |
| Improper Passing | $208 | $2,493 |
Cheapest auto insurance for low credit scores in Arkansas
Arkansas drivers with low credit scores will likely have more expensive insurance costs than those with higher scores. Below are the most affordable insurers in Arkansas for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $145 | $1,746 |
| Trexis | $149 | $1,790 |
| Aspen | $150 | $1,799 |
| Progressive | $171 | $2,056 |
| Gainsco | $173 | $2,073 |
Learn more: How credit-based insurance scores work
How to find cheap car insurance in Arkansas
To find affordable car insurance, compare quotes from different insurance companies; don’t assume your current insurer still offers the best rates.
Consider these tips to find a cheaper policy:
- Ask about available discounts.
- Bundle your home and auto insurance with the same company.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
More: Best car insurance companies
Factors that affect car insurance costs in Arkansas
Insurers base rates on various factors, which can include your:
- Age.
- ZIP code.
- Driving record.
- Vehicle type.
- Credit score.
- Claims history.
- Deductible amount.
- Marital status.
- Gender.
More: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
