Cheapest Car Insurance in Arkansas (2025)
Best cheap car insurance in Arkansas
Cheapest full-coverage car insurance in Arkansas: State Farm
This works out to $113 a month, which is 18% cheaper than Farm Bureau’s rate of $137 a month.
USAA has the cheapest overall full-coverage insurance Full coverage includes collision and comprehensive, which cover your own car for damage and theft. rate. However, USAA is only available to the military community.
Full-coverage rates by company
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $1,359 |  |
 | Farm Bureau | $1,647 |  |
 | Shelter | $1,930 |  |
 | Nationwide | $2,286 |  |
 | Geico | $2,485 | |
 | Trexis/Alfa | $2,555 | |
 | Progressive | $3,017 | |
 | Allstate | $3,242 | |
 | Farmers | $3,473 | |
 | USAA* | $1,144 | |
Farm Bureau is a smaller company than State Farm, but both companies offer similar coverages and discounts. One difference is Farm Bureau’s discount for farm-use cars, which State Farm does not offer.
Each company’s rates vary by customer. This is why it’s good to compare car insurance quotes from a few different companies when you buy or renew your auto insurance.
You need to join the Arkansas Farm Bureau to get its insurance. Membership costs $40 a year and is open to non-farmers.
Arkansas’ cheapest liability insurance: State Farm
Farm Bureau is next-cheapest for liability insurance Liability insurance covers injuries and damage you cause to others. It’s required by law. at $42 a month. This is 30% less than the state average.
Liability auto insurance rates by company
| Company | Annual rate |
|---|---|
| State Farm | $414 |
| Farm Bureau | $502 |
| Trexis/Alfa | $580 |
| Progressive | $678 |
| Shelter | $732 |
| Nationwide | $737 |
| Geico | $821 |
| Farmers | $1,199 |
| Allstate | $1,203 |
| USAA* | $304 |
Best cheap car insurance for Arkansas teens: Trexis and Farm Bureau
Trexis is a part of the Alabama-based Alfa insurance group. The company does not offer online quotes, but its website can help you find an agent in your area.
Farm Bureau has the cheapest full-coverage car insurance for teen drivers, with rates averaging $267 a month.
Cheapest insurance rates for young drivers
| Company | Liability only | Full coverage |
|---|---|---|
| Trexis/Alfa | $1,072 | $3,981 |
| Farm Bureau | $1,313 | $3,207 |
| State Farm | $1,426 | $3,872 |
| Shelter | $1,931 | $4,942 |
| Geico | $2,165 | $5,681 |
| Progressive | $3,295 | $12,933 |
| Nationwide | $3,417 | $7,799 |
| Farmers | $4,727 | $12,145 |
| Allstate | $5,042 | $12,852 |
| USAA* | $827 | $2,838 |
Teens’ lack of driving experience makes them riskier than other drivers, or more likely to get into accidents. This is one of the main reasons why their car insurance rates are so high.
- Good student: Most companies offer a discount to teens with good grades. You usually need to have a B average or better.
- Driver education: Several companies also offer a discount to teens who complete an approved driver’s education or training program. Find out which courses qualify for a discount with your insurance company before you enroll in one.
- Away at school: Parents with a teen on their policy can often get a discount if the teen is off at school without a car.
Cheap insurance for a bad driving record in Arkansas: State Farm
State Farm and Farm Bureau have the cheapest insurance for Arkansas drivers with a bad driving record.
A speeding ticket raises the average cost of car insurance in Arkansas to $250 a month. This is 28% higher than the rate for drivers with a clean driving record.
Cheapest car insurance after a ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,440 |
| Farm Bureau | $1,785 |
| Shelter | $2,313 |
| Geico | $2,893 |
| Nationwide | $3,574 |
| Trexis/Alfa | $3,682 |
| Progressive | $3,836 |
| Allstate | $3,932 |
| Farmers | $4,735 |
| USAA* | $1,368 |
In Arkansas, an at-fault accident raises the average cost of car insurance by 49% to $290 a month.
Cheapest car insurance after an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,359 |
| Farm Bureau | $2,135 |
| Shelter | $2,550 |
| Geico | $3,893 |
| Trexis/Alfa | $3,897 |
| Progressive | $4,224 |
| Nationwide | $4,351 |
| Farmers | $4,783 |
| Allstate | $5,472 |
| USAA* | $1,615 |
Cheapest insurance for Arkansas teens with a bad driving record: Trexis
Trexis’ rates for teens with a speeding ticket average $1,424 a year, or $119 a month. Farm Bureau’s rates are only slightly more expensive at $122 a month.
At $119 a month, State Farm has Arkansas’ cheapest rate for teens with an at-fault accident. Trexis has the next-cheapest rate at $125 a month.
| Company | Ticket | Accident |
|---|---|---|
| Trexis/Alfa | $1,424 | $1,499 |
| Farm Bureau | $1,459 | $1,768 |
| State Farm | $1,550 | $1,426 |
| Shelter | $2,349 | $2,787 |
| Geico | $2,431 | $3,178 |
| Progressive | $3,453 | $3,581 |
| Nationwide | $3,713 | $3,758 |
| Farmers | $5,841 | $5,768 |
| Allstate | $6,601 | $7,955 |
| USAA* | $1,203 | $1,445 |
Best car insurance in Arkansas after a DWI: Farm Bureau
Shelter, the next-cheapest company, charges $247 a month.
A DWI increases the average cost of full-coverage car insurance in Arkansas by 60% to $313 a month.
Car insurance rates after a DWI
| Company | Annual rate |
|---|---|
| Farm Bureau | $1,973 |
| Shelter | $2,966 |
| State Farm | $3,033 |
| Progressive | $3,655 |
| Trexis/Alfa | $3,779 |
| Allstate | $4,308 |
| Geico | $4,474 |
| Farmers | $4,611 |
| Nationwide | $5,812 |
| USAA* | $2,206 |
Best Arkansas insurance rates for bad credit: Trexis
Farm Bureau is the next-cheapest company, charging $248 a month.
Car insurance quotes with bad credit
| Company | Annual rate |
|---|---|
| Trexis/Alfa | $2,555 |
| Farm Bureau | $2,979 |
| Shelter | $3,710 |
| Geico | $3,802 |
| Nationwide | $3,957 |
| Progressive | $5,105 |
| Farmers | $5,253 |
| Allstate | $5,486 |
| State Farm | $6,703 |
| USAA* | $2,037 |
Insurance companies see drivers with bad credit as more likely to get into accidents. This is the main reason why you might pay more for car insurance with bad credit.
When insurance companies check your credit, they focus on the amount and types of credit you use and your payment history. These credit checks don’t affect your credit score.
Best car insurance companies in Arkansas
Both companies have low rates and good customer service scores. Both also offer online quotes, but State Farm has slightly better digital tools.
Arkansas car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Farm Bureau | 673 | A | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Nationwide | 641 | A | |
| Progressive | 622 | A+ | |
| Shelter | 678 | A | |
| State Farm | 657 | A++ | |
| Trexis/Alfa | 693 | A | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
State Farm offers Drive Safe and Save, an app-based safe driver program that can save you money. You get a 10% discount when you sign up and download the app, which monitors your driving. If you avoid unsafe activities like speeding and distracted driving, you can get a discount of up to 30% each time you renew.
Farm Bureau also offers a safe driving app that monitors your driving. Its program is called DriveDown. If you drive safely enough, the company lowers your deductible at no extra cost, but your rate does not go down.
Trexis offers fewer digital tools than most other insurance companies. You can manage your policy online or through its smartphone app. But its agent-finder is the only shopping tool on its website.
Arkansas car insurance rates by city
Arkansas’ cheapest cities for car insurance include Bella Vista and Bentonville. Bella Vista is cheapest overall, with rates averaging $1,999 a year for full coverage. Bentonville is next, at $2,008 a year.
West Helena is Arkansas’ most expensive city for car insurance. Its rates average $2,660 a year.
Drivers in Little Rock pay an average of $2,547 a year for car insurance, which is 9% higher than the state average. Car insurance is 10% less than than the state average in Fayetteville, where it costs $2,103 a year.
Car insurance rates near you
| City | Annual rate | City vs. state average |
|---|---|---|
| Adona | $2,164 | -8% |
| Alexander | $2,385 | 2% |
| Alicia | $2,215 | -5% |
| Alix | $2,046 | -13% |
| Alleene | $2,308 | -1% |
| Alma | $2,161 | -8% |
| Almyra | $2,213 | -5% |
| Alpena | $2,126 | -9% |
| Alpine | $2,323 | -1% |
| Altheimer | $2,379 | 2% |
| Altus | $2,060 | -12% |
| Amagon | $2,289 | -2% |
| Amity | $2,377 | 2% |
| Antoine | $2,326 | -1% |
| Arkadelphia | $2,274 | -3% |
| Arkansas City | $2,472 | 6% |
| Armorel | $2,260 | -3% |
| Ash Flat | $2,338 | 0% |
| Ashdown | $2,303 | -2% |
| Atkins | $2,139 | -9% |
| Aubrey | $2,489 | 6% |
| Augusta | $2,263 | -3% |
| Austin | $2,288 | -2% |
| Avoca | $2,063 | -12% |
| Bald Knob | $2,297 | -2% |
| Banks | $2,378 | 2% |
| Barling | $2,077 | -11% |
| Barton | $2,642 | 13% |
| Bass | $2,182 | -7% |
| Bassett | $2,293 | -2% |
| Batesville | $2,328 | -1% |
| Bauxite | $2,410 | 3% |
| Bay | $2,194 | -6% |
| Bearden | $2,306 | -1% |
| Bee Branch | $2,284 | -2% |
| Beebe | $2,234 | -5% |
| Beech Grove | $2,198 | -6% |
| Beedeville | $2,279 | -3% |
| Beirne | $2,284 | -2% |
| Bella Vista | $1,999 | -15% |
| Belleville | $2,113 | -10% |
| Ben Lomond | $2,347 | 0% |
| Benton | $2,367 | 1% |
| Bentonville | $2,008 | -14% |
| Bergman | $2,070 | -12% |
| Berryville | $2,108 | -10% |
| Bethel Heights | $2,074 | -11% |
| Bexar | $2,332 | 0% |
| Big Flat | $2,142 | -8% |
| Bigelow | $2,240 | -4% |
| Biggers | $2,218 | -5% |
| Bismarck | $2,319 | -1% |
| Black Oak | $2,153 | -8% |
| Black Rock | $2,206 | -6% |
| Blevins | $2,286 | -2% |
| Bluff City | $2,298 | -2% |
| Bluffton | $2,244 | -4% |
| Blytheville | $2,214 | -5% |
| Board Camp | $2,268 | -3% |
| Boles | $2,162 | -8% |
| Bonnerdale | $2,312 | -1% |
| Bono | $2,235 | -5% |
| Booneville | $2,097 | -10% |
| Bradford | $2,294 | -2% |
| Bradley | $2,393 | 2% |
| Branch | $2,049 | -12% |
| Brickeys | $2,483 | 6% |
| Briggsville | $2,283 | -2% |
| Brinkley | $2,307 | -1% |
| Brockwell | $2,386 | 2% |
| Brookland | $2,232 | -5% |
| Bruno | $2,129 | -9% |
| Bryant | $2,399 | 3% |
| Buckner | $2,311 | -1% |
| Bull Shoals | $2,105 | -10% |
| Burdette | $2,285 | -2% |
| Cabot | $2,348 | 0% |
| Caddo Gap | $2,401 | 3% |
| Caldwell | $2,313 | -1% |
| Cale | $2,306 | -1% |
| Calico Rock | $2,367 | 1% |
| Calion | $2,376 | 2% |
| Camden | $2,272 | -3% |
| Cammack Village | $2,413 | 3% |
| Camp | $2,293 | -2% |
| Canehill | $2,088 | -11% |
| Caraway | $2,151 | -8% |
| Carlisle | $2,278 | -3% |
| Carthage | $2,386 | 2% |
| Casa | $2,179 | -7% |
| Cash | $2,253 | -4% |
| Casscoe | $2,249 | -4% |
| Caulksville | $2,032 | -13% |
| Cave City | $2,367 | 1% |
| Cave Springs | $2,008 | -14% |
| Cecil | $2,071 | -12% |
| Cedarville | $2,137 | -9% |
| Center Ridge | $2,182 | -7% |
| Centerton | $2,019 | -14% |
| Charleston | $2,072 | -11% |
| Charlotte | $2,359 | 1% |
| Cherokee Village | $2,390 | 2% |
| Cherry Valley | $2,310 | -1% |
| Chester | $2,144 | -8% |
| Chidester | $2,275 | -3% |
| Clarendon | $2,248 | -4% |
| Clarkedale | $2,319 | -1% |
| Clarkridge | $2,180 | -7% |
| Clarksville | $2,021 | -14% |
| Cleveland | $2,200 | -6% |
| Clinton | $2,326 | -1% |
| Coal Hill | $2,069 | -12% |
| College Station | $2,657 | 14% |
| Colt | $2,297 | -2% |
| Columbus | $2,319 | -1% |
| Combs | $2,138 | -9% |
| Compton | $2,142 | -8% |
| Concord | $2,337 | 0% |
| Conway | $2,183 | -7% |
| Cord | $2,374 | 1% |
| Corning | $2,252 | -4% |
| Cotter | $2,095 | -10% |
| Cotton Plant | $2,332 | 0% |
| Cove | $2,326 | -1% |
| Coy | $2,381 | 2% |
| Crawfordsville | $2,355 | 1% |
| Crocketts Bluff | $2,262 | -3% |
| Crossett | $2,526 | 8% |
| Crumrod | $2,555 | 9% |
| Curtis | $2,287 | -2% |
| Cushman | $2,349 | 0% |
| Damascus | $2,210 | -6% |
| Danville | $2,147 | -8% |
| Dardanelle | $2,108 | -10% |
| Datto | $2,301 | -2% |
| De Queen | $2,365 | 1% |
| De Valls Bluff | $2,213 | -5% |
| De Witt | $2,259 | -3% |
| DeWitt | $2,252 | -4% |
| Decatur | $2,053 | -12% |
| Deer | $2,180 | -7% |
| Delaplaine | $2,214 | -5% |
| Delaware | $2,109 | -10% |
| Delight | $2,391 | 2% |
| Dell | $2,213 | -5% |
| Dennard | $2,290 | -2% |
| Dermott | $2,446 | 5% |
| Des Arc | $2,290 | -2% |
| Desha | $2,352 | 1% |
| Diamond City | $2,120 | -9% |
| Diaz | $2,242 | -4% |
| Dierks | $2,337 | 0% |
| Doddridge | $2,372 | 1% |
| Dolph | $2,395 | 2% |
| Donaldson | $2,284 | -2% |
| Dover | $2,085 | -11% |
| Drasco | $2,339 | 0% |
| Driver | $2,341 | 0% |
| Dumas | $2,429 | 4% |
| Dyess | $2,226 | -5% |
| Earle | $2,319 | -1% |
| East Camden | $2,265 | -3% |
| East End | $2,483 | 6% |
| Edgemont | $2,265 | -3% |
| Edmondson | $2,381 | 2% |
| El Dorado | $2,356 | 1% |
| El Paso | $2,237 | -4% |
| Elaine | $2,561 | 9% |
| Elizabeth | $2,248 | -4% |
| Elkins | $2,181 | -7% |
| Elm Springs | $2,082 | -11% |
| Emerson | $2,338 | 0% |
| Emmet | $2,275 | -3% |
| England | $2,412 | 3% |
| Enola | $2,212 | -5% |
| Ethel | $2,290 | -2% |
| Etowah | $2,246 | -4% |
| Eudora | $2,423 | 4% |
| Eureka Springs | $2,101 | -10% |
| Evansville | $2,051 | -12% |
| Evening Shade | $2,336 | 0% |
| Everton | $2,093 | -11% |
| Fairfield Bay | $2,235 | -5% |
| Farmington | $2,105 | -10% |
| Fayetteville | $2,103 | -10% |
| Fifty Six | $2,310 | -1% |
| Fisher | $2,369 | 1% |
| Flippin | $2,099 | -10% |
| Floral | $2,350 | 0% |
| Fordyce | $2,328 | -1% |
| Foreman | $2,356 | 1% |
| Forrest City | $2,330 | 0% |
| Fort Smith | $2,098 | -10% |
| Fouke | $2,377 | 2% |
| Fountain Hill | $2,495 | 7% |
| Fox | $2,339 | 0% |
| Franklin | $2,330 | 0% |
| Fredonia (Biscoe) | $2,259 | -3% |
| Frenchmans Bayou | $2,293 | -2% |
| Friendship | $2,261 | -3% |
| Fulton | $2,345 | 0% |
| Gamaliel | $2,152 | -8% |
| Garfield | $2,081 | -11% |
| Garland City | $2,359 | 1% |
| Garner | $2,305 | -2% |
| Gassville | $2,099 | -10% |
| Gateway | $2,042 | -13% |
| Genoa | $2,390 | 2% |
| Gentry | $2,020 | -14% |
| Gepp | $2,287 | -2% |
| Gibson | $2,329 | 0% |
| Gilbert | $2,146 | -8% |
| Gillett | $2,248 | -4% |
| Gillham | $2,304 | -2% |
| Gilmore | $2,318 | -1% |
| Glencoe | $2,312 | -1% |
| Glenwood | $2,476 | 6% |
| Goodwin | $2,406 | 3% |
| Goshen | $2,104 | -10% |
| Gosnell | $2,213 | -5% |
| Gould | $2,414 | 3% |
| Grady | $2,488 | 6% |
| Grannis | $2,301 | -2% |
| Grapevine | $2,292 | -2% |
| Gravelly | $2,196 | -6% |
| Gravette | $2,052 | -12% |
| Green Forest | $2,146 | -8% |
| Greenbrier | $2,252 | -4% |
| Greenland | $2,119 | -9% |
| Greenway | $2,180 | -7% |
| Greenwood | $2,057 | -12% |
| Greers Ferry | $2,271 | -3% |
| Gregory | $2,217 | -5% |
| Griffithville | $2,249 | -4% |
| Grubbs | $2,266 | -3% |
| Guion | $2,349 | 0% |
| Gurdon | $2,249 | -4% |
| Guy | $2,224 | -5% |
| Hackett | $2,080 | -11% |
| Hagarville | $2,067 | -12% |
| Hamburg | $2,516 | 8% |
| Hampton | $2,310 | -1% |
| Hardy | $2,361 | 1% |
| Harrell | $2,303 | -2% |
| Harriet | $2,196 | -6% |
| Harrisburg | $2,288 | -2% |
| Harrison | $2,058 | -12% |
| Hartford | $2,069 | -12% |
| Hartman | $2,039 | -13% |
| Harvey | $2,196 | -6% |
| Haskell | $2,346 | 0% |
| Hasty | $2,168 | -7% |
| Hatfield | $2,258 | -4% |
| Hattieville | $2,145 | -8% |
| Havana | $2,076 | -11% |
| Haynes | $2,516 | 8% |
| Hazen | $2,203 | -6% |
| Heber Springs | $2,286 | -2% |
| Hector | $2,127 | -9% |
| Helena-West Helena | $2,638 | 13% |
| Henderson | $2,173 | -7% |
| Hensley | $2,413 | 3% |
| Hermitage | $2,465 | 5% |
| Heth | $2,345 | 0% |
| Hickory Plains | $2,299 | -2% |
| Hickory Ridge | $2,316 | -1% |
| Higden | $2,261 | -3% |
| Higginson | $2,272 | -3% |
| Highfill | $2,009 | -14% |
| Highland | $2,363 | 1% |
| Hindsville | $2,162 | -8% |
| Hiwasse | $2,021 | -14% |
| Holiday Island | $2,110 | -10% |
| Holly Grove | $2,372 | 1% |
| Hope | $2,290 | -2% |
| Horatio | $2,358 | 1% |
| Horseshoe Bend | $2,331 | 0% |
| Hot Springs | $2,371 | 1% |
| Hot Springs National Park | $2,367 | 1% |
| Hot Springs Village | $2,303 | -2% |
| Houston | $2,182 | -7% |
| Hoxie | $2,195 | -6% |
| Hughes | $2,410 | 3% |
| Humnoke | $2,299 | -2% |
| Humphrey | $2,306 | -1% |
| Hunter | $2,330 | 0% |
| Huntington | $2,077 | -11% |
| Huntsville | $2,181 | -7% |
| Huttig | $2,436 | 4% |
| Ida | $2,283 | -2% |
| Imboden | $2,225 | -5% |
| Ivan | $2,355 | 1% |
| Jacksonport | $2,255 | -4% |
| Jacksonville | $2,301 | -2% |
| Jasper | $2,167 | -7% |
| Jefferson | $2,419 | 3% |
| Jersey | $2,361 | 1% |
| Jerusalem | $2,139 | -9% |
| Jessieville | $2,333 | 0% |
| Johnson | $2,076 | -11% |
| Joiner | $2,295 | -2% |
| Jones Mill | $2,309 | -1% |
| Jonesboro | $2,243 | -4% |
| Judsonia | $2,284 | -2% |
| Junction City | $2,347 | 0% |
| Keiser | $2,257 | -4% |
| Kensett | $2,269 | -3% |
| Keo | $2,377 | 2% |
| Kibler | $2,147 | -8% |
| Kingsland | $2,422 | 3% |
| Kingston | $2,142 | -8% |
| Kirby | $2,425 | 4% |
| Knobel | $2,237 | -4% |
| Knoxville | $2,066 | -12% |
| La Grange | $2,522 | 8% |
| Lafe | $2,186 | -7% |
| Lake City | $2,152 | -8% |
| Lake Hamilton | $2,376 | 2% |
| Lake Village | $2,463 | 5% |
| Lakeview | $2,107 | -10% |
| Lamar | $2,084 | -11% |
| Lambrook | $2,523 | 8% |
| Landmark | $2,646 | 13% |
| Langley | $2,408 | 3% |
| Lavaca | $2,049 | -12% |
| Lawson | $2,381 | 2% |
| Leachville | $2,150 | -8% |
| Lead Hill | $2,117 | -10% |
| Leola | $2,305 | -2% |
| Lepanto | $2,218 | -5% |
| Leslie | $2,269 | -3% |
| Letona | $2,289 | -2% |
| Lewisville | $2,309 | -1% |
| Lexa | $2,621 | 12% |
| Lincoln | $2,101 | -10% |
| Little Flock | $2,042 | -13% |
| Little Rock | $2,547 | 9% |
| Little Rock Air Force Base | $2,337 | 0% |
| Lockesburg | $2,345 | 0% |
| Locust Grove | $2,370 | 1% |
| London | $2,075 | -11% |
| Lonoke | $2,297 | -2% |
| Lonsdale | $2,383 | 2% |
| Louann | $2,317 | -1% |
| Lowell | $2,019 | -14% |
| Luxora | $2,244 | -4% |
| Lynn | $2,296 | -2% |
| Mabelvale | $2,475 | 6% |
| Madison | $2,327 | -1% |
| Magazine | $2,032 | -13% |
| Magnolia | $2,303 | -2% |
| Malvern | $2,265 | -3% |
| Mammoth Spring | $2,346 | 0% |
| Manila | $2,180 | -7% |
| Mansfield | $2,145 | -8% |
| Marble Falls | $2,115 | -10% |
| Marcella | $2,384 | 2% |
| Marianna | $2,522 | 8% |
| Marion | $2,423 | 4% |
| Marked Tree | $2,240 | -4% |
| Marmaduke | $2,224 | -5% |
| Marshall | $2,235 | -4% |
| Marvell | $2,606 | 11% |
| Maumelle | $2,385 | 2% |
| Mayflower | $2,262 | -3% |
| Maynard | $2,240 | -4% |
| Maysville | $2,046 | -13% |
| Mc Caskill | $2,289 | -2% |
| Mc Crory | $2,355 | 1% |
| Mc Dougal | $2,235 | -5% |
| Mc Gehee | $2,465 | 5% |
| Mc Neil | $2,287 | -2% |
| Mc Rae | $2,239 | -4% |
| McAlmont | $2,406 | 3% |
| McCrory | $2,354 | 1% |
| McGehee | $2,461 | 5% |
| Melbourne | $2,372 | 1% |
| Mellwood | $2,554 | 9% |
| Mena | $2,245 | -4% |
| Menifee | $2,155 | -8% |
| Midland | $2,117 | -10% |
| Midway | $2,113 | -10% |
| Mineral Springs | $2,316 | -1% |
| Minturn | $2,230 | -5% |
| Monette | $2,112 | -10% |
| Monticello | $2,430 | 4% |
| Montrose | $2,486 | 6% |
| Moro | $2,510 | 7% |
| Morrilton | $2,123 | -9% |
| Morrow | $2,057 | -12% |
| Moscow | $2,520 | 8% |
| Mount Holly | $2,333 | 0% |
| Mount Ida | $2,382 | 2% |
| Mount Judea | $2,182 | -7% |
| Mount Pleasant | $2,366 | 1% |
| Mount Vernon | $2,223 | -5% |
| Mountain Home | $2,106 | -10% |
| Mountain Pine | $2,340 | 0% |
| Mountain View | $2,359 | 1% |
| Mountainburg | $2,150 | -8% |
| Mulberry | $2,111 | -10% |
| Murfreesboro | $2,357 | 1% |
| Nashville | $2,328 | -1% |
| Natural Dam | $2,177 | -7% |
| New Blaine | $2,115 | -10% |
| New Edinburg | $2,396 | 2% |
| Newark | $2,363 | 1% |
| Newhope | $2,372 | 1% |
| Newport | $2,244 | -4% |
| Norfork | $2,154 | -8% |
| Norman | $2,370 | 1% |
| Norphlet | $2,371 | 1% |
| North Crossett | $2,527 | 8% |
| North Little Rock | $2,402 | 3% |
| O Kean | $2,173 | -7% |
| Oak Grove | $2,144 | -8% |
| Oak Grove Heights | $2,189 | -6% |
| Oakland | $2,132 | -9% |
| Oark | $2,101 | -10% |
| Oden | $2,327 | -1% |
| Ogden | $2,316 | -1% |
| Oil Trough | $2,317 | -1% |
| Okolona | $2,258 | -4% |
| Ola | $2,221 | -5% |
| Omaha | $2,105 | -10% |
| Oneida | $2,614 | 12% |
| Onia | $2,310 | -1% |
| Osceola | $2,243 | -4% |
| Oxford | $2,401 | 3% |
| Ozan | $2,297 | -2% |
| Ozark | $2,071 | -12% |
| Ozone | $2,067 | -12% |
| Palestine | $2,372 | 1% |
| Pangburn | $2,267 | -3% |
| Paragould | $2,195 | -6% |
| Paris | $2,029 | -13% |
| Parkdale | $2,490 | 6% |
| Parkin | $2,304 | -2% |
| Parks | $2,224 | -5% |
| Paron | $2,329 | -1% |
| Parthenon | $2,168 | -7% |
| Patterson | $2,344 | 0% |
| Pea Ridge | $2,039 | -13% |
| Peach Orchard | $2,254 | -4% |
| Pearcy | $2,346 | 0% |
| Peel | $2,137 | -9% |
| Pelsor | $2,141 | -9% |
| Pencil Bluff | $2,313 | -1% |
| Perry | $2,213 | -5% |
| Perryville | $2,249 | -4% |
| Pettigrew | $2,144 | -8% |
| Pickens | $2,454 | 5% |
| Piggott | $2,154 | -8% |
| Pindall | $2,176 | -7% |
| Pine Bluff | $2,560 | 9% |
| Pineville | $2,404 | 3% |
| Piney | $2,368 | 1% |
| Plainview | $2,283 | -2% |
| Pleasant Grove | $2,385 | 2% |
| Pleasant Plains | $2,375 | 1% |
| Plumerville | $2,123 | -9% |
| Pocahontas | $2,178 | -7% |
| Pollard | $2,209 | -6% |
| Ponca | $2,178 | -7% |
| Poplar Grove | $2,608 | 11% |
| Portia | $2,183 | -7% |
| Portland | $2,535 | 8% |
| Pottsville | $2,099 | -10% |
| Poughkeepsie | $2,386 | 2% |
| Powhatan | $2,237 | -4% |
| Poyen | $2,333 | 0% |
| Prairie Creek | $2,058 | -12% |
| Prairie Grove | $2,093 | -11% |
| Prattsville | $2,364 | 1% |
| Prescott | $2,215 | -5% |
| Prim | $2,302 | -2% |
| Proctor | $2,377 | 2% |
| Pyatt | $2,102 | -10% |
| Quitman | $2,293 | -2% |
| Ratcliff | $2,042 | -13% |
| Ravenden | $2,294 | -2% |
| Ravenden Springs | $2,223 | -5% |
| Rector | $2,199 | -6% |
| Redfield | $2,398 | 2% |
| Reydell | $2,398 | 2% |
| Reyno | $2,231 | -5% |
| Rison | $2,471 | 6% |
| Rivervale | $2,281 | -3% |
| Rockwell | $2,377 | 2% |
| Roe | $2,274 | -3% |
| Rogers | $2,029 | -13% |
| Rohwer | $2,476 | 6% |
| Roland | $2,434 | 4% |
| Romance | $2,280 | -3% |
| Rose Bud | $2,233 | -5% |
| Rosie | $2,345 | 0% |
| Rosston | $2,279 | -3% |
| Rover | $2,289 | -2% |
| Royal | $2,382 | 2% |
| Rudy | $2,164 | -8% |
| Russell | $2,307 | -1% |
| Russellville | $2,089 | -11% |
| Saffell | $2,328 | -1% |
| Sage | $2,329 | 0% |
| Salem | $2,362 | 1% |
| Saratoga | $2,310 | -1% |
| Scotland | $2,327 | -1% |
| Scott | $2,427 | 4% |
| Scranton | $2,066 | -12% |
| Searcy | $2,275 | -3% |
| Sedgwick | $2,207 | -6% |
| Shannon Hills | $2,478 | 6% |
| Sheridan | $2,375 | 1% |
| Sherrill | $2,436 | 4% |
| Sherwood | $2,325 | -1% |
| Shirley | $2,253 | -4% |
| Sidney | $2,390 | 2% |
| Siloam Springs | $2,014 | -14% |
| Sims | $2,368 | 1% |
| Smackover | $2,340 | 0% |
| Smithville | $2,313 | -1% |
| Snow Lake | $2,483 | 6% |
| Solgohachia | $2,151 | -8% |
| Sparkman | $2,280 | -3% |
| Springdale | $2,077 | -11% |
| Springfield | $2,200 | -6% |
| St. Charles | $2,304 | -2% |
| St. Francis | $2,201 | -6% |
| St. Joe | $2,141 | -9% |
| St. Paul | $2,198 | -6% |
| Stamps | $2,282 | -3% |
| Star City | $2,497 | 7% |
| State University | $2,306 | -1% |
| Stephens | $2,314 | -1% |
| Story | $2,432 | 4% |
| Strawberry | $2,300 | -2% |
| Strong | $2,381 | 2% |
| Sturkie | $2,288 | -2% |
| Stuttgart | $2,262 | -3% |
| Subiaco | $2,047 | -13% |
| Success | $2,304 | -2% |
| Sulphur Rock | $2,327 | -1% |
| Sulphur Springs | $2,032 | -13% |
| Summers | $2,063 | -12% |
| Summit | $2,083 | -11% |
| Sweet Home | $2,500 | 7% |
| Swifton | $2,277 | -3% |
| Taylor | $2,342 | 0% |
| Texarkana | $2,405 | 3% |
| Thida | $2,340 | 0% |
| Thornton | $2,298 | -2% |
| Tichnor | $2,298 | -2% |
| Tillar | $2,450 | 5% |
| Tilly | $2,199 | -6% |
| Timbo | $2,313 | -1% |
| Tollette | $2,307 | -1% |
| Tontitown | $2,081 | -11% |
| Traskwood | $2,342 | 0% |
| Trumann | $2,236 | -4% |
| Tucker | $2,409 | 3% |
| Tuckerman | $2,255 | -4% |
| Tumbling Shoals | $2,269 | -3% |
| Tupelo | $2,292 | -2% |
| Turner | $2,554 | 9% |
| Turrell | $2,304 | -2% |
| Twin Groves | $2,232 | -5% |
| Tyronza | $2,284 | -2% |
| Ulm | $2,249 | -4% |
| Umpire | $2,368 | 1% |
| Uniontown | $2,159 | -8% |
| Valley Springs | $2,132 | -9% |
| Van Buren | $2,141 | -9% |
| Vandervoort | $2,311 | -1% |
| Vanndale | $2,295 | -2% |
| Vendor | $2,195 | -6% |
| Vilonia | $2,287 | -2% |
| Viola | $2,339 | 0% |
| Violet Hill | $2,355 | 1% |
| Wabash | $2,558 | 9% |
| Wabbaseka | $2,358 | 1% |
| Walcott | $2,205 | -6% |
| Waldenburg | $2,364 | 1% |
| Waldo | $2,317 | -1% |
| Waldron | $2,104 | -10% |
| Walnut Ridge | $2,151 | -8% |
| Ward | $2,306 | -1% |
| Warm Springs | $2,223 | -5% |
| Warren | $2,389 | 2% |
| Washington | $2,316 | -1% |
| Watson | $2,440 | 4% |
| Weiner | $2,269 | -3% |
| Wesley | $2,195 | -6% |
| West Crossett | $2,526 | 8% |
| West Fork | $2,112 | -10% |
| West Helena | $2,660 | 14% |
| West Memphis | $2,413 | 3% |
| West Point | $2,284 | -2% |
| West Ridge | $2,288 | -2% |
| Western Grove | $2,131 | -9% |
| Wheatley | $2,327 | -1% |
| Whelen Springs | $2,270 | -3% |
| White Hall | $2,502 | 7% |
| Wickes | $2,310 | -1% |
| Wideman | $2,384 | 2% |
| Widener | $2,318 | -1% |
| Wilburn | $2,285 | -2% |
| Williford | $2,346 | 0% |
| Willisville | $2,293 | -2% |
| Wilmar | $2,424 | 4% |
| Wilmot | $2,496 | 7% |
| Wilson | $2,289 | -2% |
| Wilton | $2,306 | -1% |
| Winchester | $2,415 | 3% |
| Winslow | $2,080 | -11% |
| Winthrop | $2,307 | -1% |
| Wiseman | $2,320 | -1% |
| Witter | $2,228 | -5% |
| Witts Springs | $2,199 | -6% |
| Woodson | $2,432 | 4% |
| Wooster | $2,228 | -5% |
| Wright | $2,421 | 3% |
| Wrightsville | $2,541 | 9% |
| Wynne | $2,265 | -3% |
| Yellville | $2,093 | -11% |
| Yorktown | $2,496 | 7% |
Arkansas car insurance laws
- Car insurance is required by law in Arkansas.
- The penalties for driving without insurance include a fine and possible suspension of your vehicle’s registration.
- You must have your insurance ID card with you and show it to law enforcement when asked.
The state also uses an online system to verify your insurance status. Insurance companies report new policies, cancellations and lapses to the state.
This is why it’s important to make sure the details about you and your vehicle are printed accurately in your insurance documents. If they aren’t, the system will issue an alert requiring you to get your insurance documents in order.
Minimum car insurance requirements in Arkansas
Arkansas requires all drivers to have 25/50/25 liability car insurance. The minimum amounts of insurance required by law include:
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000
If you have a car loan, your lender will make you add collision and comprehensive (comp) coverage to your policy. Collision and comp are not required by law. However, both are usually worth it for any car worth more than a few thousand dollars, financed or not. You also need them for a leased vehicle.
Frequently asked questions
The average price of car insurance in Arkansas is $195 a month for full coverage. Liability-only policies cost an average of $60 a month.
USAA has the cheapest car insurance in Arkansas, but it’s only available to the military community.
State Farm has the cheapest car insurance for most other Arkansas drivers. Farm Bureau is cheapest for drivers with a ticket or DWI on their driving record.
Yes. You have to have car insurance to register your car in Arkansas. The state uses an online insurance verification system. Your registration can be suspended if you cancel your policy or it lapses without a new one in place.