Cheapest Auto Insurance in Arkansas (2022)

The cheapest car insurance companies in Arkansas: USAA, $81 a month; State Farm, $85; and American Family, $102.

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We found that most drivers in Arkansas find the cheapest auto insurance rates from State Farm, with an average monthly rate of $85 a month. American Family has the state's second-lowest rate at $102 a month.

USAA has the lowest auto insurance rates in Arkansas overall at $81 a month, but it only provides insurance for currently serving and veteran military, as well as their families.

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The cheapest car insurance companies in Arkansas

Most Arkansas residents with clean driving records find the cheapest rate with State Farm for both minimum- and full-coverage car insurance. State Farm has an average rate of $85 a month for minimum-coverage car insurance and $93 a month for full coverage.

For comparison, Arkansas residents pay an average of $118 a month for minimum coverage and $128 for full coverage.

The cheapest minimum-coverage car insurance in Arkansas

State Farm has the most affordable premium for minimum-coverage car insurance for most Arkansas drivers at $85 a month. American Family has the next-lowest rate at $102 a month.

Cheapest minimum-coverage car insurance in Arkansas
Company Monthly rate
USAA $81
State Farm $85
American Family $102
GEICO $105
Country Mutual $112
Farmers $114
Progressive $123
Allstate $151
Nationwide $192
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Minimum-coverage car insurance, also known as liability auto insurance, covers damage and injuries you cause to others in a car accident. Most states require by law drivers to carry a certain amount of liability auto insurance coverage. Arkansas' minimum coverage limits are:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability per accident: $25,000

Arkansas' cheapest full-coverage car insurance

The majority of Arkansas' drivers find the cheapest average rates for full-coverage auto insurance with State Farm, which offers an average monthly premium of $93 a month. Country Mutual is the next-cheapest at $107 a month.

Cheapest full-coverage car insurance in Arkansas
Company Monthly rate
USAA $87
State Farm $93
Country Mutual $107
American Family $111
GEICO $113
Farmers $122
Progressive $152
Allstate $158
Nationwide $212
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

The big value of full-coverage car insurance is that it helps cover your damages and injuries after an accident. Liability auto insurance only covers the damages and injuries of others. States do not require you to have full-coverage car insurance. However, if you bought your car through a lender, it will probably require you to carry full-coverage car insurance in order to protect its investment.

Find cheap car insurance in Arkansas

Cheapest car insurance in Arkansas after a driving offense

State Farm carries the lowest average rates for auto insurance in Arkansas for drivers with an accident or speeding ticket on their insurance record. State Farm's average rate after an accident is $110 a month, and its average rate after a speeding ticket is $102 a month.

Cheapest car insurance after an accident
Company Monthly rate
State Farm $110
USAA $126
American Family $144
Farmers $173
GEICO $210
Nationwide $212
Country Mutual $216
Allstate $238
Progressive $284
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Cheapest car insurance after a speeding ticket
Company Monthly rate
State Farm $102
USAA $104
GEICO $113
American Family $121
Country Mutual $139
Farmers $172
Allstate $185
Progressive $202
Nationwide $259
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for Arkansas drivers with a DWI

Arkansas drivers with a DWI pay the lowest rate for car insurance with State Farm at $102 a month. American Family has the next-most affordable rate at $134 a month.

Cheapest car insurance after a DWI
Company Monthly rate
State Farm $102
American Family $134
Farmers $166
USAA $167
Progressive $177
Allstate $213
Country Mutual $292
GEICO $362
Nationwide $431
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

In Arkansas, a DWI stays on your driving record for five years. A first-offense DWI carries the following penalties:

  • 24 hours to one year jail sentence
  • $150 to $1,000 fine
  • $300 court costs
  • Six months drivers license suspension

If your license is suspended, you'll need to file an SR-22 to get it reinstated. An SR-22 is proof that you carry Arkansas' minimum car insurance amounts. You are required to file the SR-22 for three to five consecutive years.

Cheapest car insurance for Arkansas teens

For both minimum- and full-coverage car insurance, Progressive has the lowest car insurance rates for most Arkansas teens.

Arkansas 18-year-olds pay an average of $414 a month for minimum-coverage car insurance, and $464 a month for full-coverage. Teen drivers pay the highest rates for car insurance of any demographic. This is because of the higher risk they present due to inexperience behind the wheel.

Cheapest minimum-coverage car insurance for Arkansas teens

Most teens in Arkansas pay the lowest rate for minimum-coverage car insurance with Progressive at $197 a month. State Farm is the next-cheapest at $253 a month.

Cheapest minimum-coverage car insurance for teens
Company Monthly rate
USAA $197
Progessive $204
State Farm $253
Country Mutual $334
Nationwide $340
American Family $473
Allstate $550
GEICO $678
Farmers $684
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance for Arkansas teens

The majority of Arkansas teens pay the lowest rates for full-coverage car insurance with Progressive at $229 a month. State Farm is the next-most affordable, with an average of $229 a month.

Cheapest full-coverage car insurance for 18-year-olds
Company Monthly rate
USAA $218
Progessive $229
State Farm $283
Nationwide $328
Country Mutual $364
American Family $531
Allstate $586
Farmers $778
GEICO $858
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens with driving offenses

If you're a teen driver with a car accident on your insurance record, you're going to find your cheapest rate for car insurance with Progressive at $304 a month. If you have a speeding ticket, Allstate has your lowest rate at $713 a month.

Car insurance for teens with an accident offense
Company Monthly
USAA $253
Progessive $304
State Farm $340
Country Mutual $459
Nationwide $595
American Family $674
Allstate $747
Farmers $778
GEICO $1,119
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Car insurance for teens with a speeding ticket
Company Monthly
Allstate $713
American Family $666
Country Mutual $364
Farmers $845
GEICO $939
Nationwide $382
Progessive $252
State Farm $311
USAA $242
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens after a DWI

Arkansas teens with a DWI on their insurance record find their most affordable auto insurance with Progressive at $283 a month. State Farm has the next-cheapest rate at $311 a month.

Car insurance for teens with a DWI
Company Monthly rate
Progessive $283
State Farm $311
USAA $338
Country Mutual $611
American Family $651
Nationwide $806
Allstate $845
GEICO $867
Farmers $979
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors in Arkansas

State Farm and Country Mutual have the lowest car insurance rates for Arkansas seniors. Barring teens, seniors in Arkansas pay higher rates than other age demographics. Arkansas seniors pay an average of $110 a month for minimum-coverage car insurance, and $120 a month for full coverage.

Cheapest minimum-coverage car insurance for seniors

Arkansas senior drivers find their most affordable minimum-coverage car insurance with State Farm at $77 a month. If you're a veteran, USAA has the second-cheapest rates at $82 a month. If you're not in the military, Country Mutual has the next-lowest rates at $89 a month.

Cheapest minimum-coverage car insurance for 65-year-olds
Company Monthly rate
State Farm $77
USAA $82
Country Mutual $89
American Family $90
GEICO $95
Progressive $109
Farmers $121
Allstate $156
Nationwide $168
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage for Arkansas seniors

Country Mutual and State Farm share the cheapest rate in Arkansas for seniors looking for full-coverage car insurance at $86 a month. Arkansas seniors can also find affordable full-coverage policies from American Family at $99 a month.

Cheapest full-coverage car insurance for 65-year-olds
Company Monthly rate
Country Mutual $86
State Farm $86
USAA $89
American Family $99
GEICO $102
Farmers $129
Progressive $137
Allstate $165
Nationwide $186
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with driving offenses

If you're a senior driver in Arkansas with an accident on your insurance record, you'll find your cheapest rate for car insurance with State Farm, which offers an average of $102 a month. American Family has the next-lowest rate at $127 a month.

Car insurance for seniors with an accident offense
Company Monthly rate
State Farm $102
American Family $127
USAA $143
Country Mutual $172
Nationwide $186
GEICO $197
Farmers $201
Allstate $254
Progressive $304
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Seniors with a speeding ticket in Arkansas get the lowest rate with State Farm at $94 a month. The next-most affordable rate is through GEICO with an average of $102 a month.

Car insurance for seniors with a speeding ticket
Company Monthly rate
State Farm $94
GEICO $102
USAA $106
American Family $107
Country Mutual $111
Allstate $194
Farmers $197
Progressive $211
Nationwide $233
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for Arkansas seniors with a DWI

Arkansas seniors with a DWI find the lowest average rate for auto insurance with State Farm, at $94 a month. American Family is the next-cheapest option at $118 a month.

Car insurance for seniors with a DWI
Company Monthly rate
State Farm $94
American Family $118
USAA $170
Progressive $182
Farmers $190
Allstate $225
Country Mutual $232
GEICO $348
Nationwide $399
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Compare rates from top car insurance companies

Cheapest car insurance in Arkansas by city

Of Arkansas' largest cities, Rogers has the lowest rates for car insurance at $107 a month, on average. Bentonville is close behind at $108 a month. Fort Smith has the next-most affordable rates, with an average of $111 a month.

Cheapest car insurance by city
City Monthly rate
Rogers $107
Bentonville $108
Fort Smith $111
Fayetteville $112
Springdale $112
Conway $114
Jonesboro $117
North Little Rock $125
Little Rock $132
Pine Bluff $133
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Arkansas minimum car insurance requirements

Drivers in Arkansas are required by law to have the following minimum car insurance coverages:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability per accident: $25,000

They are also required to carry these additional coverage types and amounts:

  • Uninsured bodily injury coverage per person: $25,000
  • Uninsured bodily injury coverage per accident: $50,000
  • Underinsured bodily injury coverage per person: $25,000
  • Underinsured bodily injury coverage per accident: $50,000
  • Uninsured motorist property damage coverage: $25,000
  • Medical benefits: $5,000
  • Lost earnings: $140 per week
  • Accidental death benefits: $5,000 per person

While these limits may seem substantial, they can easily be reached and passed if your insurer has to pay for an extended court case or hospital stay after an accident. After your limits are reached, any costs that occur due to the accident will come out of your pocket. To keep this from happening, we strongly recommend increasing your limits as follows:

  • Bodily injury per person: $100,000
  • Bodily injury per accident: $300,000
  • Property damage liability per accident: $100,000

Methodology

QuoteWizard studied thousands of rates through Quadrant Information Services using the following car insurance companies operating in Arkansas:

  • Allstate
  • American Family
  • Country Mutual
  • Farmers
  • GEICO
  • Nationwide
  • Progressive
  • State Farm
  • USAA

Unless otherwise noted, the car insurance quotes analyzed were for a single, 35-year-old male with a clean driving record. He drives a 2012 Honda Accord LX an average 13,500 miles per year.

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