Best Car Insurance Companies in Arkansas

Travelers, Farmers, Bristol West, and more make our list as some of the best car insurance companies in Arkansas.
Written by Melanie Krieps Mergen
Edited by Sarah Gray
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In
Arkansas
, drivers pay an average of $1,294 each year for minimum liability insurance that meets the state’s legal requirements. For
full coverage
that includes both comprehensive and collision coverage, Arkansas drivers pay an average cost of $2,211 annually. 
  • Beyond premium cost, factors like customer satisfaction, coverage options, and a company’s financial stability are arguably just as important.
  • Some of the top-rated car insurance companies in Arkansas include Travelers, Progressive, and Allstate.
  • High-risk
    drivers may want to consider requesting quotes from Bristol West or National General.
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Travelers: Strong customer satisfaction and range of coverage options
Real 5-star customer review:
"I thought I was already paying the lowest rate possible for my age group, but Jerry found me a better deal for the same coverage with Travelers! Everything went so smoothly that I couldn’t help but make a change right away.”—Athit S.
Overall Jerry rating in Arkansas: 4.5
JD Power customer satisfaction: 797/1000 (Central)
AM Best financial strength: A++
NAIC complaint index (September 2023): Lower than expected
As one of the country’s largest insurance providers, Travelers offers a solid range of coverage options and generally fares well in customer reviews. 
One such optional add-on that makes Travelers stand out is its premier
new car replacement
coverage option, which will replace your vehicle with a brand new one of the same make and model if you bought it new and it’s totaled within the first five years of ownership.
Travelers offers many of the standard
car insurance discounts
you’d expect from a major provider, such as bundling discounts, good student discounts, and good payer discounts. Driving a hybrid or electric car will score you a discount with Travelers as well.
Travelers also has a “Superior” A++ rating from AM Best for its financial strength—which is as good as it gets.
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Farmers: Good ratings for policy cost and customer satisfaction
Real 5-star customer review:
“Jerry has amazing communication! And even better deals! Thanks to Jerry, I went from $327 to $182 on my payments. I’m so grateful!” —Kim T.
Overall Jerry rating in Arkansas: 4.8
JD Power customer satisfaction: 819/1000 (Central)
AM Best financial strength: A
NAIC complaint index (September 2023): More than expected
Farmers offers a strong showing when it comes to financial strength and customer reviews. In fact, Jerry’s data shows that Farmers fares well when it comes to policy cost and the renewal process as well. 
Another plus is that Farmers Insurance offers plenty of car insurance discounts for drivers to take advantage of, including
home and auto bundling
, good student discounts, multi-car discounts, and more.
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Bristol West: Good for drivers with violations
Real 5-star customer review:
“My past tickets were making it hard to find affordable insurance. With Jerry, I went from paying $450/month to $273/month. They took care of everything—such a relief!” —Josephine R.
Overall Jerry rating in Arkansas: 4.3
JD Power customer satisfaction: Not rated for Central market
AM Best financial strength: A
NAIC complaint index (September 2023): Not rated
Finding affordable car insurance when you’ve been deemed a
high-risk driver
due to violations or poor credit can be a challenge. Fortunately, Bristol West is one insurance provider that specializes in offering policies to high-risk drivers. 
While these non-standard policies will still usually cost a little more than the rates you’d see with a better driving record or credit history, the coverage options and personalized service just might make up for it.
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Allstate: Good for safe drivers, plenty of discounts and coverage options
Real 5-star customer review:
"Jerry helped me cut my rate almost in half by switching me to Allstate for the same coverage. I highly recommend this app to anyone” —Drewe E.
Overall Jerry rating in Arkansas: 4.9
JD Power customer satisfaction: 806/1000 (Central)
AM Best financial strength: A+
NAIC complaint index (September 2023): More than expected
Jerry’s data shows Allstate stands to leave its drivers in good hands, with high ratings for customer satisfaction and claim resolution. 
Allstate has many of the discounts and coverage options you’d expect to find with a major carrier. Good drivers could stand to save even more with Allstate, thanks to their
safe driving bonus
that rewards drivers for every six months they go accident-free.
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National General: Competitive rates for high-risk drivers
Real 5-star customer review:
"No time is wasted with Jerry! It took me 10 minutes to switch to a National General policy that matched my needs.” —Elisa W.
Overall Jerry rating in Arkansas: 4.7
JD Power customer satisfaction: Not rated for Central market
AM Best financial strength: A+
NAIC complaint index (September 2023): More than expected
National General fares a score of 5/5 across the board for policy cost, customer service, the policy-buying process, process renewal, and claims processing, based on Jerry’s data analysis.
Drivers with violations or poor credit may still find a range of available coverage options with National General. The wide range of discounts offer plenty of additional opportunities to save on your premium.
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How to save on your Arkansas auto insurance

Remember: No single car insurance provider will offer the lowest rates for every type of driver across the board. Car insurance premiums are calculated based on a range of factors, and many of them will be specific to you as an individual—such as:
  • Your driving history
  • Your insurance history
  • Your credit history
  • The type of vehicle you drive
  • Your ZIP code
  • The
    coverage options
    you choose
Each car insurance provider will use their own methodology to
calculate rates
—which is why it’s in your best interest to find and
compare quotes
from at least three to five insurance companies before settling on a policy.
If that sounds tedious, know that it doesn’t have to be. The Jerry app makes this process quick and easy. We can help you find and compare quotes from up to 55+ of the nation’s top providers, all in one spot—and getting started takes under a minute. 
Ask about discounts, too: Be sure to ask your insurance agent what discounts you’re eligible for—not all of them may be advertised outright on your insurance provider’s website. You might find savings on your Arkansas car insurance policy by bundling with your homeowners or renters policy, earning good grades, or taking an approved defensive driving course.

Cutting corners on your Arkansas car insurance can leave you vulnerable

While no one obviously wants to pay more for car insurance than they have to, going without the right amount of coverage could cost you far more in the long run than you’d end up saving on that premium—especially if you end up in a serious car accident.
Most drivers will benefit from adding
comprehensive coverage
and
collision coverage
to their policies (commonly referred to together as “full coverage”). Take your time in reviewing available coverage types,
liability coverage
limits, and the size of your deductible to pick a plan that offers you the best amount of financial protection.
For even more protection, consider adding the following coverage types:
Jerry’s content editors analyzed 23 of the top insurers in Arkansas and chose the best based on a combination of scores from JD Power, AM Best, NAIC, and Jerry’s own nationwide carrier survey.

FAQs

There’s no single car insurance provider in Arkansas that’s the cheapest option for every driver. Factors like where you live, what kind of car you drive, and your own driving record are just a few of many factors that will determine your rate. The best way to find the cheapest auto insurance company in Arkansas for you is to shop around for multiple quotes. 
To save even more on your Arkansas car insurance, make sure you’re taking advantage of the car insurance discounts that are available to you.
The average cost of
minimum liability coverage in Arkansas
is $1,294 and the average cost of full coverage car insurance in Arkansas is $2,211.
The average cost of minimum liability coverage in Arkansas is $1,294, which comes out to about $108 per month, and the average cost of full coverage car insurance in Arkansas is $2,211, or about $185 per month.
Because car insurance rates are determined based on multiple factors specific to you, like your ZIP code, driving record, vehicle type, and demographics, there’s no single car insurance company in Arkansas that offers the cheapest rates for everyone. That’s why it’s a good idea to request quotes from at least three to five providers before picking a policy. Beyond policy cost, be sure to look at other factors, like customer reviews and the company’s financial stability.
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