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.
| 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.
| 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.
| 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. | |
| 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.
| 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.
| 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.
| 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.
| 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. | |
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
Sources:
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