Find the Best Car Insurance Quotes & Options in Arkansas
The average cost of car insurance in Arkansas is $1,239 per year, which is bit cheaper than the national average of $1,311 per year. Since car insurance is less expensive in Arkansas than in many other areas of the country, there's no reason you can't find an affordable policy for you. You'll want to make sure your car insurance satisfies at least the state's minimum requirements for coverage, though you may wish to add extras to your policy.
An independent insurance agent in Arkansas can help you find the right car insurance for you. But for starters, here's an extensive breakdown of car insurance requirements and more in Arkansas.
Best Car Insurance Companies in Arkansas
Though you could browse dozens of car insurance companies when looking for coverage, why not skip ahead to only the very best? We've made a list of some of the top rated car insurance companies in Arkansas to simplify things for you. Start off with just a handful of our top picks.
- Best Arkansas car insurance company overall: USAA
- Best Arkansas car insurance company for minimum liability: Southern Farm Bureau
- Best Arkansas car insurance company for full coverage: USAA
- Best Arkansas car insurance company for young drivers: Allstate
- Best Arkansas car insurance company for accident history: Southern Farm Bureau
An Arkansas independent insurance agent can help you find the right kind of car insurance for you from one of these top-rated insurance companies.
Best Arkansas Car Insurance Company Overall: USAA
Our top pick for the best car insurance company in Arkansas overall goes to USAA. Drivers can easily bundle all the coverages they need together affordably through USAA. A full-coverage Arkansas auto insurance policy from USAA averages just $1,142 per year.
Founded in 1922, USAA has been in the industry for more than a century. Originally founded by a group of Army officers who wanted to insure each other’s vehicles, USAA has greatly expanded over the years to now servicing millions of customers across the country through a variety of coverage solutions.
In recent years, USAA’s net worth surpassed $35 billion. The insurance company has more than 13 million members (i.e., policyholders) and 35,000 employees at this time. USAA has paid out more than $2.4 billion in returns to its customers over the years. The insurance company continuously receives high ratings from major agencies, such as Moody’s Investors Service and Standard & Poor’s. AM Best rates the insurance company an "A++," the highest available.
| Average Monthly Insurance Cost: Full Coverage Policy | Average Annual Insurance Cost: Full Coverage Policy |
| $95 | $1,142 |
Best Arkansas Car Insurance Company for Minimum Liability: Southern Farm Bureau
Our top choice for the best Arkansas car insurance company for minimum liability coverage goes to Southern Farm Bureau. An excellent choice for drivers just looking to meet the state's minimum coverage requirements, Southern Farm Bureau provides highly affordable car insurance. A minimum coverage policy from Southern Farm Bureau averages just $245 per year in Arkansas.
Founded in 1947, Southern Farm Bureau has been around for more than 75 years. The insurance company was first created to provide coverage to rural farmers and their communities.
Southern Farm Bureau's coverage catalog has since greatly expanded, as has its share of policyholders. The carrier is rated an "A+" or "excellent" by both AM Best and the BBB.
| Average Monthly Insurance Cost: Minimum Liability Policy | Average Annual Insurance Cost: Minimum Liability Policy |
| $20 | $245 |
Best Arkansas Car Insurance Company for Full Coverage: USAA
Our top pick for the best full-coverage car insurance company in Arkansas goes to USAA. For drivers who want to get all the coverages they need together in one convenient package, USAA provides affordable full-coverage policies. A full-coverage car insurance policy from USAA averages just $1,142 per year in Arkansas.
| Average Monthly Insurance Cost: Full Coverage Policy | Average Annual Insurance Cost: Full Coverage Policy |
| $95 | $1,142 |
Best Arkansas Car Insurance Company for Young Drivers: Allstate
Our top choice for the best car insurance company in Arkansas for teens and young drivers goes to Allstate. Allstate's teen driver car insurance policies start at just $1,576 per year for female teens and $1,689 for male teens, at an average of $1,632.50 for all. Affordable coverage options for car insurance for teens make Allstate a carrier not to be overlooked.
Allstate was originally founded in 1931 as part of Sears, Roebuck & Co. The insurance company only sold car insurance at first, but has since expanded its coverage catalog dramatically. Allstate has operated fully independently from Sears since 1995 and is a Fortune 500 company.
In recent years, Allstate has reported having more than $119 billion in assets. The carrier also has an "A+" or superior rating from AM Best.
| Average Monthly Insurance Cost: Young Drivers | Average Annual Insurance Cost: Young Drivers |
| $136 | $1633 |
Best Arkansas Car Insurance Company for Accident History: Southern Farm Bureau
Our top choice for the best Arkansas car insurance company for drivers with accident history goes to Southern Farm Bureau. The carrier earns its second spot in our top-recommended Arkansas car insurance companies thanks to its affordable car insurance premiums for drivers who have at least one at-fault accident on record. Southern Farm Bureau's coverage for drivers with accident histories averages about $825 per year in Arkansas.
| Average Monthly Insurance Cost: Drivers with Accidents on Record | Average Annual Insurance Cost: Drivers with Accidents on Record |
| $69 | $825 |
Arkansas Car Insurance Requirements
Arkansas has fewer car insurance requirements by state law than many other states do. Drivers in Arkansas must at least carry these coverages in order to avoid penalties like fines or worse. Don't hit the road in Arkansas before at least securing the following coverages.
- Bodily injury liability: In Arkansas, this coverage is required in amounts of at least $25,000 per person and $50,000 per accident. This coverage can pay for medical treatment costs to another driver and their passengers after an accident you're at fault for.
- Property damage liability: In Arkansas, this coverage is required in the amount of $25,000 per accident. This coverage can pay for repairs to a third party's personal property, including a vehicle or other property, like a shed, if you damage it with your car.
Optional car insurance coverages in Arkansas include:
- Uninsured motorist coverage: This coverage can pay for damage to your vehicle or medical bills after an accident caused by another driver who lacks any or adequate car insurance of their own.
- Collision: Pays for damage to your car from a collision with another driver, regardless of fault.
- Comprehensive: This coverage can pay for repairs from damage other than by collision, including incidents with large animals, windshield breaks, and more.
- Gap coverage: This coverage can pay the difference between what your vehicle is worth and what you owe on your remaining vehicle loan after a collision.
- Medical payments: This coverage can pay for the medical treatment of injuries to you or your passengers after an accident you're at fault for.
- Rental car reimbursement: This coverage can pay for the costs of a rental car after a covered accident.
- Roadside assistance: This coverage can pay for the costs of towing, etc. if you break down on the side of the road.
An Arkansas independent insurance agent can help you build a car insurance policy that has all the coverage you need most.
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Average Cost of Car Insurance in Arkansas
Arkansas has average car insurance premiums of $1,239 per year. Overall for the country, Arkansas's car insurance rates rank 27th-highest, putting the state right about in the middle of the pack. The national average for car insurance currently is $1,311 annually. The cost of your car insurance policy may vary depending on the specific coverages you add, your driving records, your credit history, and other factors.
Average Arkansas Car Insurance Costs by City
Car insurance costs vary by city, not just by state. In Arkansas, the city with the most expensive car insurance rates for a full-coverage policy is Little Rock, at an average of $1,614 annually. The Arkansas city with the cheapest full coverage auto insurance rates is Bentonville, with averages of just $1,162 per year. Local competition from insurance companies is just one factor that can impact car insurance prices by city.
Finding Car Insurance Discounts in Arkansas
Though Arkansas car insurance is cheaper than in more than half of the nation, you may still want to find ways to reduce your premiums even further. Fortunately, many car insurance companies in Arkansas offer a handful of car insurance discount options. These are just a few common discounts available in Arkansas:
- Student driver discounts: Offered to drivers with a student driver listed on their policy.
- Anti-theft devices: Offered to drivers whose vehicles come with security devices like alarms.
- Military discounts: Offered to drivers who are either current or retired Military members.
- Paperless billing: Offered to drivers who choose to receive their billing statements electronically.
- Safe driver discounts: Offered to drivers who remain accident and traffic-violation-free for a certain amount of years.
- Other discounts: Offered to drivers who are teachers, union members, government workers, or part of other qualifying groups.
An Arkansas independent insurance agent can find any car insurance discounts you qualify for.
How to Find the Best Car Insurance Quote in Arkansas
Working together with an independent insurance agent in Arkansas is the best way to find the best car insurance quotes in your state. Independent insurance agents shop and compare coverage from multiple different companies for you, and only provide you with the best results. They'll narrow down your options and show you only the best blend of coverage and cost available in Arkansas.
How to File a Car Insurance Claim in Arkansas
Filing a car insurance claim in Arkansas doesn't have to be a confusing process. Keep this step-by-step action plan of how to file a car insurance claim in Arkansas in mind in case you ever need to file a claim.
- File a police report: Filing a police report right from the scene of an accident is a great practice, and the most crucial first step.
- Get medical help: Next, get any injured parties the medical attention they need right away.
- Call your independent insurance agent: Your Arkansas independent insurance agent can file a claim for you right through your car insurance carrier.
- Get a rental vehicle: Your Arkansas independent insurance agent will give you the claim number associated with your case, and then make arrangements for a rental vehicle if you need it and your policy includes this coverage.
- Schedule a visit with an adjuster: You'll probably need to schedule a visit from an insurance adjuster to evaluate your vehicle's damage in person, and your agent may be able to help you set this up.
Your Arkansas independent insurance agent will keep an eye on your car insurance claim and provide you with updates every step of the way.
How does your city measure up to the national average?
National average time spent commuting 26.9 Min
National average car thefts per 1,000 2.3 Year
National average car insurance cost $1,311 Year
| City | Commute time (min) | Annual insurance cost |
| Benton | 23.4 | $1,485 |
| Bentonville | 17.0 | $1,162 |
| Conway | 20.4 | $1,250 |
| Fayetteville | 19.0 | $1,512 |
| Fort Smith | 16.1 | $1,396 |
| Hot Springs | 17.8 | $1,591 |
| Jonesboro | 18.4 | $1,386 |
| Little Rock | 18.6 | $1,614 |
| Pine Bluff | 17.6 | $1,584 |
| Rogers | 16.5 | $1,235 |
| Russellville | 14.9 | $1,289 |
| Sherwood | 22.3 | $1,349 |
| Springdale | 18.8 | $1,486 |
| Texarkana | 16.5 | $1,278 |
Popular Questions about Arkansas Car Insurance
The annual average cost of car insurance in Arkansas is $1,239, which equates to about $103.25 per month.
What your Arkansas car insurance policy covers depends on the coverages you add to your policy. But by Arkansas state law, you're required to at least have bodily injury liability and property damage liability insurance before you can legally hit the road.
Arkansas requires all drivers to have at least the following car insurance coverages by state law:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability
About 16.6% of Arkansas drivers are uninsured. This is higher than the current national average of 13%. To avoid being part of this dangerous statistic, make sure to equip the necessary coverage before you get behind the wheel.
The state of Arkansas requires drivers to carry at least property damage liability and bodily injury liability in terms of car insurance. But your Arkansas independent insurance agent will likely recommend that you build your car insurance policy out a bit further with additional coverages, such as collision or comprehensive and others.