State Farm offers the cheapest rates in Arkansas, averaging $35 per month for minimum coverage. Get auto insurance quotes from the top insurers in the state, and buy a policy online in minutes.
Cheapest Liability-Only Car Insurance in Arkansas: State Farm
Liability-only policies generally cost less than full coverage while helping drivers meet Arkansas’s legal insurance requirements. Insurify data shows that about two-thirds of Arkansas drivers own their vehicles outright and may be eligible for liability-only coverage.
Rates shown below are estimated for Arkansas as of Monday, August 31 at 5:00 PM PDT.
Data reviewed by: Konstantin Halachev
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $35 |
| Progressive | $43 |
| USAA | $43 |
| Allstate | $54 |
| Trexis | $55 |
| GEICO | $57 |
| National General | $57 |
| Auto-Owners | $60 |
| Direct Auto | $68 |
| Trexis One | $68 |
| Root | $69 |
| GAINSCO | $75 |
| Safeco | $75 |
| Shelter | $77 |
| Farmers | $79 |
| Travelers | $83 |
| The General | $88 |
| Dairyland | $96 |
| Liberty Mutual | $112 |
| Bristol West | $115 |
| Hugo | $136 |
Disclaimer: Table data is sourced from real-time Arkansas car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes may vary based on the policy buyer’s unique driver profile.
Agent Tip: Does Liability-Only Coverage Offer Enough Protection in Arkansas?
→ Liability-only coverage can help keep your monthly insurance premium lower.
→ This type of policy does not generally pay to repair your own vehicle when you cause an accident.
→ Drivers choosing liability-only coverage should consider whether they have enough savings to handle their own vehicle repair or replacement costs.
“Buying a liability-only policy can help keep your monthly premium lower. But you need to be in good shape financially to take this kind of risk. Your policy won’t pay to repair your car if you cause an accident, so it’s a good idea to have an emergency fund that can pay for your own repairs.”
Britney Balk
Licensed P&C Agent and Customer Service Supervisor
Cheapest Full-Coverage Car Insurance in Arkansas: State Farm
About one-third of Arkansas drivers make regular car payments. When a vehicle is financed, lenders generally require drivers to carry full coverage.
Full coverage typically adds collision and comprehensive coverage to a policy. These coverages can help pay for damage to your vehicle.
→ Full coverage can provide protection for your own vehicle in addition to liability protection.
→ Full coverage does not necessarily pay the remaining balance on a vehicle loan or lease after a total loss.
→ Arkansas gap insurance may help cover the difference between your vehicle’s value and the remaining loan or lease balance.
Rates shown below are estimated for Arkansas as of Monday, August 31 at 5:00 PM PDT.
Data reviewed by: Konstantin Halachev
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $72 |
| USAA | $87 |
| Progressive | $91 |
| Allstate | $107 |
| Root | $117 |
| GEICO | $119 |
| Auto-Owners | $123 |
| National General | $125 |
| Direct Auto | $128 |
| Safeco | $134 |
| Trexis | $143 |
| Shelter | $159 |
| Farmers | $162 |
| Travelers | $171 |
| Trexis One | $177 |
| GAINSCO | $194 |
| Liberty Mutual | $202 |
| Dairyland | $224 |
| The General | $226 |
| Bristol West | $262 |
Disclaimer: Table data is sourced from real-time Arkansas car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes may vary based on the policy buyer’s unique driver profile.
Cheapest Recent Car Insurance Quotes in Arkansas
Recent Arkansas Car Insurance Prices for KIA, Nissan, Volkswagen, and More
Liability Only
→ Trexis — $44/month: A driver in Piggott, Arkansas, received a quote for a Nissan Kicks on September 15, 2026.
→ Dairyland — $68/month: A driver in Texarkana, Arkansas, received a quote for a Buick LeSabre on September 15, 2026.
→ GAINSCO — $56/month: A Ford Fusion driver in Fort Smith, Arkansas, received this quote on September 15, 2026.
→ State Farm — $35/month: State Farm’s average rate for drivers with good credit and a clean driving record, updated August 31, 2026.
Quotes were generated for Insurify users in Arkansas within the last 10 days. Last updated September 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Best Cheap Car Insurance Companies in Arkansas
Arkansas drivers can choose from a wide range of insurance providers, including large national companies such as State Farm and GEICO and regional insurers such as Shelter Insurance.
Comparing multiple providers can help you identify coverage and pricing that fit your circumstances. You can also explore car insurance in Arkansas for additional information.
State Farm: Best for Low-Cost Coverage in Arkansas
State Farm — User Reviews and Ratings
| Category | Rating / Cost |
|---|---|
| User Reviews | 4.1/5 |
| Reviews | 21,103 |
| IQ Score | 9.3/10 |
| Liability Only | $35/mo |
| Full Coverage | $72/mo |
Driver Reviews
4.1/5
Best choice in Arkansas
Based on 21,103 verified driver reviews and ratings.
How Drivers Feel About State Farm
→ Customers appreciate State Farm’s customer service and personal attention.
→ Some reviewers report concerns about higher prices and frequent rate increases.
→ Some customers also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify.
Best in Arkansas for
→ Customer service
→ Competitive rates
→ Discounts for safe drivers
Showing 18 reviews from Arkansas drivers
John — Verified Review
State Farm
Reviewed in Arkansas on September 12, 2026.
The reviewer described the customer service and care as excellent.
Wally — Verified Review
Excellent
Reviewed in Arkansas on September 8, 2026.
The reviewer said State Farm had consistently provided the lowest rates when they checked.
Kathleen — Verified Review
Employees Are Very Helpful, but the Insurance Is Overpriced
Reviewed in Arkansas on August 19, 2026.
The reviewer praised the employees while saying the insurance seemed expensive and recommending comparison shopping.
Our Advice
→ Compare State Farm’s quote with other insurers using identical coverage limits and deductibles.
→ Check available discounts before purchasing a policy.
→ Consider both price and coverage when comparing policies.
USAA: Best for Military and Veterans in Arkansas
USAA — User Reviews and Ratings
| Category | Rating / Cost |
|---|---|
| User Reviews | 4.9/5 |
| Reviews | 4,298 |
| IQ Score | 9.1/10 |
| Liability Only | $43/mo |
| Full Coverage | $87/mo |
→ USAA is available to eligible military members, veterans, and their families.
→ The provided Arkansas estimates show $43 per month for liability-only coverage.
→ The estimated full-coverage rate is $87 per month.
Progressive: Best for Teen Drivers in Arkansas
Progressive — User Reviews and Ratings
| Category | Rating / Cost |
|---|---|
| J.D. Power | 638 |
| IQ Score | 8.7/10 |
| Liability Only | $43/mo |
| Full Coverage | $91/mo |
→ Progressive’s provided Arkansas estimates show $43 per month for liability-only coverage.
→ The estimated full-coverage rate is $91 per month.
How Car Insurance Costs in Arkansas Have Changed
Arkansas drivers have experienced changes in car insurance prices over the past several years. Average car insurance prices in Arkansas increased in early 2024 before declining toward the rates shown in the current data.
→ Arkansas motor vehicle theft rates have trended downward since 2022.
→ Arkansas recorded a 12% decline in car crash fatalities during the first part of 2025, according to the cited Insurify data.
→ Insurify’s data team predicted that Arkansas insurance rates would decline by 1% during 2026.
Average Car Insurance Costs in Arkansas Over Time
Auto insurance prices change over time because of factors affecting the insurance market, claims, driving patterns, vehicle costs, and other conditions.
The chart below shows Arkansas car insurance costs over the past five years.
Average Arkansas Car Insurance Rates Over the Past Five Years
Rates shown in the chart use five-year rolling medians to reduce the effect of extreme market volatility. Other rates on the page use one-year rolling medians to emphasize more recent data.
Compare Arkansas Car Insurance Quotes
Liability rates start as low as $74/month.
→ Enter your ZIP code.
→ Compare quotes from multiple insurance companies.
→ Review coverage limits and deductibles before selecting a policy.
Excellent — 4.7 out of 5 based on 17,176 reviews
Secure. Free. Easy-to-use.
Arkansas Car Insurance Requirements
Arkansas has minimum car insurance coverage requirements that drivers must meet before legally driving.
Bodily Injury Liability
→ $25,000 per person
→ $50,000 per accident
Property Damage Liability
→ $25,000 per accident
Arkansas insurers must offer uninsured and underinsured motorist coverage for bodily injury as well as personal injury protection (PIP). However, these coverages are optional.
→ Drivers may choose whether to purchase these optional coverages.
→ Accidents that cause injuries or more than $1,000 in property damage must be reported to the state within 30 days.
→ Drivers must also provide proof of insurance coverage at the time of the accident.
Car Insurance Rates Across Arkansas Cities
Arkansas has a significant rural population, but insurance rates can still differ between cities. Larger cities such as Little Rock and Fayetteville can have different average rates than smaller communities.
| City | Average Monthly Quote |
|---|---|
| Benton | $111 |
| Conway | $109 |
| Fayetteville | $112 |
| Fort Smith | $110 |
| Jonesboro | $116 |
| Little Rock | $138 |
| North Little Rock | $125 |
| Pine Bluff | $132 |
| Russellville | $97 |
| Springdale | $116 |
Disclaimer: Table data is based on real-time Arkansas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Car Insurance Quotes in Arkansas for Drivers With a Clean Record: State Farm
Drivers with a clean driving record may qualify for lower insurance rates than drivers with violations or accidents.
The following table shows estimated liability-only rates for Arkansas drivers with clean records.
Rates shown are estimated for Arkansas as of Monday, August 31 at 5:00 PM PDT.
Data reviewed by: Konstantin Halachev
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $32 |
| USAA | $40 |
| Progressive | $41 |
| National General | $50 |
| Allstate | $52 |
| Trexis | $53 |
| GEICO | $55 |
| Auto-Owners | $56 |
| Direct Auto | $62 |
| Trexis One | $65 |
| Root | $66 |
| Shelter | $68 |
| GAINSCO | $68 |
| Farmers | $73 |
| Travelers | $76 |
| Safeco | $76 |
| The General | $80 |
| Dairyland | $88 |
| Bristol West | $107 |
| Liberty Mutual | $112 |
| Hugo | $130 |
Disclaimer: Table data is sourced from real-time Arkansas car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest Car Insurance in Arkansas for Drivers With a Speeding Ticket: State Farm
Nearly 4% of Arkansas drivers have a speeding ticket on their driving record, according to Insurify data.
→ A speeding violation can increase your insurance premium.
→ The provided data indicates that liability rates for Arkansas drivers with a speeding ticket are about 53% higher than rates for drivers with clean records.
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $45 |
| Progressive | $55 |
| USAA | $56 |
| Allstate | $69 |
| Trexis | $70 |
| National General | $72 |
| GEICO | $75 |
| Auto-Owners | $78 |
| Root | $83 |
| Direct Auto | $86 |
| Trexis One | $87 |
| GAINSCO | $91 |
| Safeco | $99 |
| Farmers | $102 |
| Shelter | $102 |
| Travelers | $108 |
| The General | $119 |
| Dairyland | $120 |
| Liberty Mutual | $144 |
| Bristol West | $147 |
| Hugo | $174 |
Disclaimer: Table data is sourced from real-time Arkansas car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes may vary based on the policy buyer’s unique driver profile.
Affordable Car Insurance in Arkansas With an At-Fault Accident: State Farm
Arkansas law requires drivers to report certain accidents involving injuries or more than $1,000 in property damage within 30 days.
→ An at-fault accident can result in higher car insurance rates.
→ Insurify data shows that just over 4% of Arkansas drivers have an accident on their driving record.
The following table shows estimated monthly rates for Arkansas drivers with an at-fault accident.
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $47 |
| Progressive | $57 |
| USAA | $58 |
| Allstate | $71 |
| Trexis | $73 |
| GEICO | $76 |
| National General | $76 |
| Auto-Owners | $80 |
| Root | $87 |
| Trexis One | $90 |
| Direct Auto | $93 |
| GAINSCO | $96 |
| Safeco | $104 |
| Shelter | $106 |
| Farmers | $106 |
| Travelers | $113 |
| The General | $121 |
| Dairyland | $127 |
| Liberty Mutual | $149 |
| Bristol West | $153 |
| Hugo | $180 |
Disclaimer: Table data is sourced from real-time Arkansas car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheap Car Insurance Quotes for Arkansas Drivers With a DUI: State Farm
Less than 1% of Arkansas drivers have a driving under the influence (DUI) conviction, according to Insurify’s data scientists.
→ Arkansas drivers with a DUI typically see higher liability insurance rates.
→ The provided data indicates that average liability rates increase by about 38% after a DUI.
→ Drivers can compare DUI coverage options from multiple insurers.
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $50 |
| USAA | $62 |
| Progressive | $62 |
| Allstate | $78 |
| Trexis | $79 |
| National General | $82 |
| GEICO | $82 |
| Auto-Owners | $82 |
| Direct Auto | $98 |
| Trexis One | $98 |
| Root | $99 |
| GAINSCO | $108 |
| Shelter | $111 |
| Farmers | $113 |
| Safeco | $118 |
| Travelers | $119 |
| The General | $123 |
| Dairyland | $138 |
| Liberty Mutual | $161 |
| Bristol West | $165 |
| Hugo | $195 |
Disclaimer: Table data is sourced from real-time Arkansas car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes may vary based on the policy buyer’s unique driver profile.
Cheapest Car Insurance for Drivers With an SR-22 in Arkansas: State Farm
Some drivers may need an insurer to file an SR-22 form with the state after certain high-risk driving offenses.
→ Drivers with SR-22 coverage in Arkansas typically pay more than drivers with clean records.
→ The provided data indicates that SR-22 drivers pay about 58% more than drivers with clean records.
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $54 |
| Progressive | $66 |
| USAA | $66 |
| Allstate | $83 |
| Trexis | $84 |
| GEICO | $87 |
| National General | $87 |
| Auto-Owners | $92 |
| Direct Auto | $104 |
| Trexis One | $104 |
| Root | $106 |
| GAINSCO | $115 |
| Safeco | $115 |
| Shelter | $118 |
| Farmers | $121 |
| Travelers | $127 |
| The General | $135 |
| Dairyland | $147 |
| Liberty Mutual | $171 |
| Bristol West | $176 |
| Hugo | $208 |
Disclaimer: Table data is sourced from real-time Arkansas car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes may vary based on the policy buyer’s unique driver profile.
Find Affordable Coverage in Arkansas
Comparing multiple quotes can help you find coverage that fits your budget and driving needs.
→ Enter your ZIP code.
→ Compare available insurance quotes.
→ Review coverage limits and deductibles.
→ Check for discounts and other savings opportunities.
Excellent — 4.7 out of 5 based on 17,176 reviews
Secure. Free. Easy-to-use.
Cheapest Car Insurance for Teen Drivers in Arkansas: State Farm
Arkansas has relatively flexible licensing requirements for young drivers. Teens ages 14 and 15 can obtain a learner’s permit, and the state does not require a specific number of supervised practice hours.
→ Young drivers can still face higher insurance premiums because of their limited driving experience.
→ Car insurance rates for teen drivers can vary considerably between insurers.
The following table shows estimated monthly rates for Arkansas teen drivers.
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $67 |
| Progressive | $78 |
| USAA | $78 |
| Allstate | $98 |
| Trexis | $100 |
| GEICO | $103 |
| Root | $103 |
| National General | $112 |
| Auto-Owners | $120 |
| Trexis One | $123 |
| GAINSCO | $131 |
| Direct Auto | $132 |
| Shelter | $152 |
| Safeco | $152 |
| Farmers | $156 |
| The General | $158 |
| Dairyland | $165 |
| Travelers | $171 |
| Liberty Mutual | $195 |
| Bristol West | $202 |
| Hugo | $246 |
Disclaimer: Table data is sourced from real-time Arkansas car insurance quotes from Insurify’s 500+ partner insurance providers. Actual car insurance quotes may vary based on the policy buyer’s unique driver profile.
Cheap Car Insurance Quotes in Arkansas for Senior Drivers: State Farm
Arkansas law requires insurers to offer car insurance discounts to drivers age 55 and older who complete an approved defensive driver training course.
Senior drivers in Arkansas can compare the following estimated rates:
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $28 |
| USAA | $36 |
| Progressive | $39 |
| National General | $46 |
| GEICO | $47 |
| Auto-Owners | $49 |
| Allstate | $49 |
| Trexis | $50 |
| Shelter | $57 |
| Direct Auto | $57 |
| Trexis One | $62 |
| Farmers | $65 |
| Root | $65 |
| GAINSCO | $66 |
| Safeco | $67 |
| Travelers | $69 |
| The General | $77 |
| Dairyland | $84 |
| Liberty Mutual | $96 |
| Bristol West | $99 |
| Hugo | $124 |
Disclaimer: Table data is sourced from real-time Arkansas car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes may vary based on the policy buyer’s unique driver profile.
Arkansas Car Insurance Quotes With Bad Credit: State Farm
Credit information can affect auto insurance pricing in Arkansas. Drivers with poor credit may find that some insurers offer different rates than others.
The following table shows estimated rates for Arkansas drivers with bad credit.
| Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $51 |
| USAA | $53 |
| Progressive | $54 |
| Allstate | $68 |
| Trexis | $69 |
| GEICO | $71 |
| National General | $71 |
| Direct Auto | $84 |
| Trexis One | $85 |
| Root | $86 |
| Auto-Owners | $90 |
| GAINSCO | $93 |
| Safeco | $93 |
| Shelter | $96 |
| Farmers | $98 |
| Travelers | $98 |
| The General | $109 |
| Dairyland | $119 |
| Liberty Mutual | $134 |
| Bristol West | $143 |
| Hugo | $170 |
Disclaimer: Table data is sourced from real-time Arkansas car insurance quotes from Insurify’s 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes may vary based on the policy buyer’s unique driver profile.