Best Car Insurance in Arkansas for 2024

Arkansas is full of scenic byways, historical sites, and natural beauty that entice locals and tourists alike to explore by car. It also generally has one of the lowest costs of living in the United States, and its average car insurance prices follow that trend.

Key takeaways

• The best car insurance in Arkansas is USAA, which costs a yearly average of $949 for comprehensive coverage.
• In Arkansas, drivers with a clean driving record pay an average of $128 per month.
• Jonesboro residents generally pay the most, an average of $1,960 yearly for full coverage.

Best car insurance companies in Arkansas

The best car insurance in Arkansas is USAA, which costs an average of $949 a year for full coverage and $295 for the state’s minimum coverage.

Allstate offers the most expensive full coverage, averaging $1,794 a year. However, Shelter Insurance has the most costly minimum coverage, averaging $667 annually.

Provider	J.D. Power customer satisfaction rating	Estimated annual full coverage	Estimated annual minimum liability coverage
USAA	890/1,000	$949/year	$295/year
Shelter	851/1,000	$1,571/year	$667/year
State Farm	833/1,000	$1,067/year	$428/year
GEICO	819/1,000	$1,354/year	$382/year
Allstate	806/1,000	$1,794/year	$636/year
Progressive	803/1,000	$1,480/year	$470/year
Nationwide	792/1,000	$1,150/year	$422/year

USAA: Most affordable coverage

USAA had the lowest full and minimum coverage in Arkansas and earned the highest customer satisfaction score. While USAA offers standard coverages like comprehensive, collision, uninsured/underinsured motorist, and personal injury protection, its policies are only available to current and former military members and their families.

Get a quote now | USAA review

State Farm: Best budget pick

State Farm is Arkansas’s cheapest option available to all residents, with an average annual cost for full coverage insurance of $1,067. It offers standard and specialty policies and has an extensive list of discounts. However, State Farm’s minimum insurance is more expensive than that of some competitors, averaging $428 annually.

Get a quote now | State Farm review

GEICO: Best for senior drivers

GEICO offers Arkansas’s second cheapest minimum insurance, averaging $382 a year, with policies and discounts specifically for seniors. For those who qualify, its Prime Time contract guarantees policy renewal to people over 50. GEICO also provides discounts for people over 50 who complete a defensive driving course.

Get a quote now | GEICO review

Allstate: Best for coverage options

Allstate has the most expensive full coverage insurance in Arkansas, costing a yearly average of $1,794. It also had the second-highest minimum liability coverage in the state, for an average of $636 a year. Although Allstate is not the cheapest available, it has extensive policies and discounts, which could make it a good option for some people.

Get a quote now | Allstate review

Nationwide: Best for lowest deductible

Nationwide earned Arkansas’s lowest customer satisfaction score but had relatively low prices on full and minimum coverage. It is also the lowest cost option with a vanishing deductible program, which can help people save more by reducing their deductible by $100 per year of safe driving, up to $500 total.

Get a quote now | Nationwide review

Arkansas auto insurance requirements

Like most states, Arkansas requires that drivers maintain a minimum amount of insurance coverage to drive legally. In Arkansas, you must have at least:

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

How to choose a car insurance provider in Arkansas

When looking for a new insurance provider in Arkansas, identify your coverage needs and budget. Then, consider the following:

• Review multiple quotes: Request quotes from at least three companies and ensure the policy amounts, coverage options, and discounts are similar. Make sure you’re also comparing new quotes against your current policy so you don’t accidentally reduce needed coverage or pay more for less.
• Research a company’s responsiveness to problems: Read online reviews and ask for recommendations from people you trust. Check a website like the Better Business Bureau (BBB) for the number of customer complaints and if an insurance company works with customers to resolve problems.
• Look for financial stability: Review ratings on websites like A.M. Best or Standard & Poor’s to confirm the company’s ability to pay claims. Check with the Arkansas Insurance Department or the National Association of Insurance Commissioners (NAIC) to confirm a company is licensed in Arkansas.

How much does car insurance cost in Arkansas?

The average cost of car insurance in Arkansas is $1,546 per year for full coverage, compared to the national average of $1,582. Arkansas’ minimum liability insurance costs an annual average of $547.

Drivers in Jonesboro pay the most for car insurance, an average of $1,960 a year. Residents of Fort Smith only pay $1,732 annually, the lowest average rate in the state.

Arkansas car insurance rates by city

Driving in Arkansas is typically less expensive than in other parts of the country. However, while insurance rates are generally based on your age, gender, and driving record, among other factors, the crime rate where you live can also lead to higher insurance bills.

For example, Neighborhood Scout gave the state capital, Little Rock, a score of 1 on its total crime index, meaning it’s safer than only 1% of U.S. neighborhoods. The higher crime rates are reflected in the city’s insurance rates, which average $1,934 — hundreds more than Fort Smith’s average rates.

City	Avg. annual full-coverage premium
Jonesboro	$1,960/year
Little Rock	$1,934/year
Conway	$1,925/year
Fayetteville	$1,787/year
Springdale	$1,797/year
Fort Smith	$1,732/year

Methodology

FAQs about car insurance costs in Arkansas