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Cheap Car Insurance Arkansas

The cheapest car insurance in Alaska usually comes from USAA, costing an average of $78 per month or $933 per year for a full coverage insurance policy.

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06/19/2023 09:50 AM

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The state of Arkansas requires all drivers to maintain at least liability auto insurance, but savvy drivers will look for full-coverage policies. Either way, we’re here to help you find the best auto insurance in Arkansas.

Our review team has researched the cheapest car insurance companies in the U.S., and in this article, we’ll take another look at how those companies serve Arkansas drivers, specifically. By looking at regional customer satisfaction reports as well as local rates, we’ve come up with a list of the best and cheapest auto insurance providers in Arkansas.

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Cheapest Car Insurance In Arkansas

According to our rate estimates for Arkansas, USAA, State Farm, and Nationwide are among the cheapest car insurance companies across the state.

Arkansas Car Insurance ProviderAverage Annual Cost Estimate
State Farm$1,223
Southern Farm Bureau$1,313

Cost Of Auto Insurance In Arkansas

The biggest factors that determine the cost of your auto insurance are your age, gender, marital status, driving record, and city. However, the average cost also varies by state. We found that minimum liability car insurance averages $428 per year, while a full coverage policy in Arkansas costs an average of $1,525 per year.

Annual Arkansas Car Insurance Estimates By Age

A 25-year-old driver can pay hundreds of dollars more for car insurance than a 35-year-old driver.

AgeArkansas Annual Car Insurance

Annual Arkansas Car Insurance Estimates By Gender

The rate estimates for female drivers are slightly higher than for male drivers in Arkansas.

GenderArkansas Annual Car Insurance

Annual Arkansas Car Insurance Estimates For Drivers With Bad Credit

Drivers with bad credit can pay nearly double for car insurance than drivers with good credit scores.

Credit RatingArkansas Annual Car Insurance

Annual Arkansas Car Insurance Estimates For Bad Drivers

High-risk drivers in Arkansas can expect their car insurance rates to increase drastically.

Driving RecordArkansas Annual Car Insurance
Speeding Ticket$2,231
At-Fault Accident$2,627

5 Best Cheap Auto Insurance Companies In Arkansas

If you’re looking for the best cheap auto insurance in Arkansas, be sure to consider customer reputation and coverage options, as well as cost. Each of our recommended insurers provides full coverage offerings at some of the lowest rates in the state while also upholding a reputation for quality customer service.

Best Cheap Auto Insurance In ArkansasOur RatingAverage Cost
1. Auto-Owners Insurance$4$1,499
2. USAA Car Insurance$5$933
3. Geico Car Insurance$5$1,446
4. Arkansas Farm Bureau Auto Insurance$4$1,251
5. Progressive Car Insurance4.3$1,401

*Not all companies were included in our rate estimates for each state. You may also notice that some car insurance companies are listed above those with higher star ratings. This is because our star ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for car insurance in Arkansas.

#1 Auto-Owners Insurance: Best Local Service

We’ve rated Auto-Owners Insurance as the No. 1 provider for auto insurance in Arkansas because of its excellent customer service reputation in the area. In the J.D. Power 2022 U.S. Auto Insurance StudySM for the Central region, Auto-Owners insurance scored 821 out of 1,000 points. This score put it just below the average for the region.

Auto-Owners Insurance is sold through local agents who are knowledgeable about Arkansas car insurance. Your agent will guide you through the purchase process and assist you with handling claims. For customers who need more help finding the right insurance options, this method of purchasing insurance can be appealing. For those looking for a faster quotes and claims process, this may be considered a downside.

In addition to the standard types of auto insurance, Auto-Owners customers can also find the following extra coverage and add-on options:

  • Roadside assistance
  • Rental and travel expenses
  • Loan/lease gap coverage
  • Diminished value/new car replacement
  • Personal automobile plus package, with extras like identity theft coverage and phone replacements

If you’re looking for low-cost auto insurance in Arkansas, Auto-Owners Insurance may be your best bet. Our research indicates it is one of the most affordable providers in the region, often offering auto insurance rates lower than the state average. Customers can save even more by taking advantage of any of Auto-Owners’ numerous available discounts, including:

  • Multi-policy discount
  • Payment history discount
  • Pay-in-full discount
  • Green discount
  • Advanced quote discount
  • Multi-car discount
  • Safety features discount
  • Favorable loss history discount
  • Good student discount
  • Student away at school discount
  • Teen driver monitoring discount

While not available in every state, Auto-Owners is an option in Arkansas, and it is certainly worth considering if you’re a driver in the state.

Auto-Owners Pros And Cons

Pros Local licensed agents throughout Arkansas Helpful mobile app Excellent customer service reputation
Cons Have to contact an insurance agent to get a quote or file a claim

#2 USAA: Best For Military Members

USAA actually scored the highest of any company in the 2022 J.D. Power U.S. Auto Insurance Study for the Central region, with a total of 879 out of 1,000 points. The company is not available to all drivers in the state, however, so it was not eligible for formal ranking. Only military members and their families are eligible to become USAA members.

If you are able to purchase a USAA insurance policy, we highly recommend this provider for auto insurance in Arkansas. The insurer boasts extensive coverage options, including standard policies as well as:

USAA offers full-coverage insurance options, and it does so at low rates. Arkansas drivers may find USAA has the lowest car insurance rates in the state, especially if you can take advantage of USAA’s many discount offerings, such as:

  • Military installation discount
  • Driver training course
  • Defensive driving course
  • Family discount
  • Good student discount
  • New vehicle discount
  • Automatic payment discount
  • Annual mileage discount
  • Premier driver discount

USAA has an A++ (Superior) financial strength rating from AM Best and a proven record of meeting customer claims obligations. It’s certainly worth considering if you’re eligible for a USAA membership.

USAA Pros And Cons

Pros Good option for military members Affordable rates and numerous discounts Superior financial strength rating and A+ rating from the Better Business Bureau (BBB)
Cons Only available for military members and their families

Learn more by reading our full USAA insurance review.

#3 Geico: Best For Discounts

Geico has a strong customer service reputation in Arkansas. In the J.D. Power U.S. Auto Insurance Study for the Central region, it scored a total of 847 out of 1,000 possible points. This put it in third place overall. And Geico does well by other customer service metrics. The company is accredited by the BBB where it holds an A+ rating and numerous positive reviews.

Those shopping for full coverage auto insurance can find it with Geico. It offers every type of standard auto insurance policy as well as the following coverage options:

  • Roadside assistance coverage: For as little as $14 per year, Geico’s roadside assistance policy will pay for jump-starts, spare tire installation, towing, and lockout services up to $100.
  • Rental reimbursement: This covers the cost of a rental vehicle while your car is in the shop. Coverage limits and costs vary.
  • Mechanical breakdown insurance (MBI): This covers parts of your car that break down due to mechanical wear, similar to an extended auto warranty.

Customers can save with a Geico policy by taking advantage of the following Geico discounts:

  • Defensive driver discount
  • Safety feature discounts
  • Good student discount
  • Good driver discount
  • Anti-theft device discount
  • Multiple policy discount
  • Military discount
  • Federal employee discount

We think Geico is certainly worth considering for Arkansas drivers, especially given that the quotes process is quick and easy.

Geico Pros And Cons

Pros Superior financial strength rating and A+ rating from the BBB Many choices for coverage High level of customer satisfaction Available in 50 states
Cons Average quotes experience Usage-based app not available in all states

#4 Arkansas Farm Bureau: Cheap Car Insurance In Arkansas

For over 65 years, the Arkansas Farm Bureau has offered low-cost auto insurance to drivers in the Natural State. The Farm Bureau is a national organization and it offers auto insurance policies to its members in several states. Anyone can become a member by paying a low annual fee.

Policies are purchased and handled through local agents, which has benefits as well as downsides. Local agents have expertise in Arkansas auto insurance requirements and can help you pick the best policy for your budget, but you must work through an agent to request quotes and file claims.

In our research, we found rates for Arkansas Farm Bureau auto insurance to be lower than the state average. However, your premium prices will vary by county as well as your personal driver profile.

Arkansas Farm Bureau offers a number of discounts, such as:

  • Policy bundling discounts
  • Discounts for being claim-free for three years
  • Young driver safety program discount
  • Defensive driving discount
  • Good student discount
  • Multi-car discount
  • Loyalty discount

While customer reviews for the Arkansas Farm Bureau are somewhat mixed, the potentially low rates make the company worth contacting for a quote if you are trying to find cheap auto insurance in Arkansas.

Arkansas Farm Bureau Pros And Cons

Pros Low-cost options for Arkansas drivers Knowledgeable agents provide customer support
Cons Must be purchased through local agents Mixed customer reviews

#5 Progressive: Best For High-Risk Drivers

Progressive is a good option for drivers across the United States, including Arkansas. It has a solid reputation for customer service, with an A+ rating from the BBB. Progressive is just below the regional average, ranking tenth in the Central region in the J.D. Power U.S. Auto Insurance Study.

Progressive doesn’t only offer good service, but it may offer the lowest rates for auto insurance in Arkansas for some drivers. Those able to take advantage of the following discounts may be interested in an insurance policy from Progressive:

  • Deductible savings bank: Reduces your deductible by $50 for every six months you go without filing a claim
  • Policy bundling: Offers discounts for bundling your auto policy with another Progressive insurance policy, such as home insurance or Progressive motorcycle insurance
  • Snapshot® mobile app: Offers premium reductions for safe driving by monitoring your driving habits to set your premium

Another way to save with Progressive is by using the Name Your Price® Tool. This tool lets you start shopping for auto insurance by picking the price you hope to pay and finding policies that fit that requirement.

Progressive Pros And Cons

Pros One of the top auto insurers in the U.S. Superior financial strength rating Great choice for high-risk drivers Available in all 50 states
Cons Average claims process Mixed customer service reviews Usage-based app not available in all states

Learn more about the company by reading our Progressive insurance review.

Arkansas Car Insurance Requirements

Like most states, Arkansas requires that all drivers maintain a liability auto insurance policy at the very least. The minimum required coverage amounts are described as 25/50/50. This means policies must cover at least the following:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Failing to maintain at least the minimum required policy can result in the suspension of your registration until a $20 fee is paid. If you’re caught driving without insurance in Arkansas, you will also be subject to the following penalties:

  • First offense: A fine between $50 and $250
  • Second offense: A fine between $250 and $500
  • Third offense and beyond: A fine between $500 and $1,000, and a jail sentence up to one year

The legal consequences are enough to discourage drivers from failing to maintain minimum required coverage, but drivers would be wise to carry full-coverage auto insurance as well. A full-coverage policy means also purchasing comprehensive car insurance coverage, collision coverage, medical coverage, and uninsured/underinsured motorist coverage. Most providers will include these policies with liability coverage at a relatively low increase in cost.

What To Know About Driving In Arkansas

Based on the information provided by the Insurance Institute for Highway Safety (IIHS), Arkansas drivers traveled an average of 17,095 miles per licensed driver in 2018. This is a bit higher than in other states. Perhaps because of the higher number of miles traveled, deaths from car crashes were higher than in other states. There were 516 deaths in Arkansas in 2018, which was 17.1 deaths per 100,000 people.

Arkansas Car Insurance: Conclusion

Arkansas drivers pay less than the national average for car insurance. The state minimum requirements are not very high, but it is wise to maintain full coverage insurance in any state. Those looking for high-quality policies should consider Auto-Owners Insurance, USAA, and Geico. All of these companies offer auto insurance in Arkansas and are well regarded by Arkansas drivers.

If you are looking for cheap coverage options and do not have access to USAA insurance, the Arkansas Farm Bureau is a good option to request an auto insurance quote. Of course, the only way to find the cheapest auto insurance in Arkansas is to shop around and compare quotes. Use the free tool below to get started.

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Cheap Car Insurance In Arkansas: FAQ

Below are frequently asked questions about the cheapest car insurance in Arkansas:

Who has the cheapest car insurance in Arkansas?

There is no single cheapest provider of car insurance in the state of Arkansas. That said, the providers that typically offer the lowest insurance rates in the state include USAA, Geico, and Arkansas Farm Bureau.

How much is car insurance in Arkansas?

According to our car insurance estimates, the average Arkansas driver pays $127 per month or $1,525 per year for a full coverage car insurance policy. Car insurance rates depend on a number of factors, including your age, driving history, and city.

Is it illegal to drive without insurance in Arkansas?

Yes, it is illegal to drive without insurance in Arkansas. State requirements mandate that drivers maintain at least a 25/50/25 liability insurance policy.

What is the best time to get car insurance?

The best time to get car insurance is before you get on the road. In many states, you will not be able to register your vehicle without first obtaining proof of insurance.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.