What is the best car insurance company in Arkansas?

There is no one single best car insurance company for all drivers, because every driver has a unique driving history, budget, vehicle and other personal factors. The best insurer for one driver may not offer the best policy for another driver. Factors like age and gender can also affect policy prices in Arkansas. Getting quotes from several providers will help you decide what company offers the best coverage options, discounts and policy features for you.

What is the cheapest car insurance company in Arkansas?

The cheapest car insurance for one driver may not be the same as for another. While companies like USAA and Geico offer low premiums to Arkansas customers on average, the price you’re quoted will depend on factors like age, vehicle, driving record and credit history. To find the cheapest Arkansas car insurance company for you, most experts recommend pulling free quotes from several top companies and comparing their offers. Keep in mind that you'll likely want to select the same types and amounts of coverage in each quote to get an accurate picture of rates across companies.

Is Arkansas car insurance expensive?

Arkansas' average annual premium for full coverage is $2,489, which is slightly lower than the national average of $2,678. The average cost of minimum coverage in the state is also lower than the U.S. average at $502 per year compared to the national average of $799 per year. Low average rates in Arkansas may be attributed to the state's low cost of living and primarily rural population, which may help reduce accident rates. However, Arkansas does have the eighth-highest number of uninsured drivers, which may prevent rates from being lower.

Is car insurance required in Arkansas?

Arkansas requires that all drivers carry at least minimum coverage car insurance. In Arkansas, minimum coverage is denoted as 25/50/25. This means drivers need $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident. While these limits meet the legal requirements, most insurance professionals recommend carrying higher coverage limits and additional coverage types if you can afford to do so for enhanced financial protection.

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Best car insurance in Arkansas for 2025

Written by

Ashlyn Brooks

Edited by

Natasha Cornelius, CLU

Edited by

Natasha Cornelius, CLU

Updated Mar 04, 2025

Geico, USAA, State Farm, Auto-Owners and Farmers are among the best car insurance companies in Arkansas.

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Best car insurance companies in Arkansas

As we began our search for the best auto insurance in Arkansas, we analyzed dozens of companies' average premiums, which we obtained from Quadrant Information Services. Using the annual average cost of Arkansas car insurance as a baseline — $2,489 for full coverage and $502 for minimum — we narrowed down our list based on carriers that offer low rates without sacrificing customer service or coverage options. Other factors we considered included discount availability, digital tools and customer satisfaction scores from the 2024 J.D. Power Auto Insurance Study.

To simplify this information, we assigned each company a Bankrate Score. The scores are on a scale from 0.0 to 5.0. The closer to 5.0 a company’s Bankrate Score is, the more highly that company ranked in each of the scoring categories.

If you are looking for the best car insurance in Arkansas, you might want to start by getting quotes from the following companies:


Geico	4.3 Rating: 4.3 stars out of 5	$1,972	$360
State Farm	4.3 Rating: 4.3 stars out of 5	$2,263	$447
Auto-Owners	4.3 Rating: 4.3 stars out of 5	$2,020	$451
USAA	4.3 Rating: 4.3 stars out of 5	$1,674	$352
Shelter	4.1 Rating: 4.1 stars out of 5	$2,230	$517

Geico

Best for discounts

4.3

Read Geico review Get a quote

Avg. full coverage premium

$164/mo

Avg. full coverage premium

$1,972/yr

Customer satisfaction

622/1,000

Why Geico made our list: Geico offers some of the lowest average rates in Arkansas and policyholders may save even more with Geico's long list of potential discounts. Savings may be available for military service, professional affiliation, students, multi-line policies and more. Additionally, Geico's advanced digital tools may help make virtual policy management easy and convenient.

Who Geico may be good for: Geico may be a good fit for drivers looking for low average rates, strong digital tools and a robust lineup of potential discounts. Drivers with infractions on their records might consider Geico since the company won the 2025 Bankrate Award for Best Auto Insurance Company for High-Risk Drivers.

Read full Geico Insurance review
Pros
Wide array of discounts to help policy holders potentially save on their car insurance premiums

Robust digital tools for policyholders
Cons
Limited add-on coverage options

Below-average J.D. Power score for customer satisfaction in the Central region

State Farm

Best for high-risk drivers

4.3

Read State Farm review Get a quote

Avg. full coverage premium

$189/mo

Avg. full coverage premium

$2,263/yr

Customer satisfaction

647/1,000

Why State Farm made our list: State Farm isn’t the cheapest in Arkansas but their consistently high customer service rankings and wide variety of insurance products to choose them earn them consideration. Additionally, State Farm won the 2025 Bankrate Award for Best Auto Insurance Company for Safe Drivers. The company maintains a strong network of insurance agents across the nation and offers a strong selection of discounts and endorsements. However, gap insurance is not available from State Farm.

Read full State Farm Insurance review
Pros
Above-average customer satisfaction score from J.D. Power in the Central region

Many local agents available for in-person service
Cons
Does not offer 24/7 customer service

Accident forgiveness coverage cannot be purchased; it must be earned.

Auto-Owners

Best for coverage add-ons

4.3

Read Auto-Owners review Get a quote

Avg. full coverage premium

$168/mo

Avg. full coverage premium

$2,020/yr

Customer satisfaction

663/1,000

Why Auto-Owners made our list: If you're looking to bundle your home and auto coverage, Auto-Owners may be an appealing choice. In addition to a bundling discount, Auto-Owners may allow you to pay a single deductible if you experience an incident that damages both your home and car. You may be able to easily build a robust policy with the carrier by purchasing their Auto Plus package, which includes several add-ons typically sold independently. Auto-Owners did score above the segment average in J.D. Power's study and won two 2025 Bankrate Awards: Best for Young Drivers and Best Budget Auto Insurance Company. However, Auto-Owners has less advanced digital tools than many competitors, so if you value accessibility, you may want to speak with existing policyholders about their experience.

Read full Auto-Owners Insurance review
Pros
Local agents may be available for convenient face-to-face service

Long list of potential discounts and endorsements, especially for a more regional carrier
Cons
Lags in digital accessibility relative to competing insurers

Only available in 26 states, which may be a concern for drivers who move frequently

USAA

Best for military-focused coverage

4.3

Read USAA review Get a quote

Avg. full coverage premium

$139/mo

Avg. full coverage premium

$1,674/yr

Customer satisfaction

759/1,000

Why USAA made our list: Although it is not officially ranked due to eligibility restrictions, USAA holds the highest customer satisfaction score from J.D. Power in the Central region and tied for the 2025 Bankrate Award for Best Auto Insurance Company Overall. Coverage from USAA is only available to active-duty and retired military members and their families, but those who qualify for coverage may appreciate the carrier's military-specific discount and coverage options. Savings may be available during deployment and for garaging a vehicle on base. However, USAA does not have many in-person agents available, so it may not be the best carrier if you prefer to conduct your insurance business face-to-face.

Read full USAA Insurance review
Pros
Highest J.D. Power score in the Central region

Military-focused discounts and coverage options
Cons
Strict eligibility requirements

Endorsement options may not be as extensive as some competitors

Shelter

Best for customer service

4.1

Read Shelter review Get a quote

Avg. full coverage premium

$186/mo

Avg. full coverage premium

$2,230/yr

Customer satisfaction

677/1,000

Why Shelter made our list: Shelter Insurance earned the highest official J.D. Power score for customer satisfaction in the Central region. This may be due to its local agent availability throughout the region, including in most major Arkansas cities. Shelter offers a robust list of endorsements, including rental reimbursement, disability income insurance, gap coverage and loss of use coverage. You might qualify for savings with Shelter if you're over 48 years old and have a property insurance policy with the carrier or if you're under 21 years old and complete a driver training course.

Read full Shelter Insurance review
Pros
Highest official J.D. Power customer satisfaction score in the Central region

Local agents may be more familiar with the coverage needs of Arkansas drivers
Cons
Online quoting and policy management are not available

High average car insurance rates compared to some competitors

How Bankrate chose the best car insurance companies in Arkansas

Bankate's insurance editorial team understands that low rates likely aren't the only factor drivers consider when choosing a carrier. That's why we took a holistic approach when choosing the top car insurance carriers in Arkansas. Our Bankrate Scoring model, which scores carriers on a scale of 0.0 to 5.0, takes into account coverage options, discounts, digital tools, customer service, financial strength and more. We hope these Scores will help you narrow down carriers based on the factors that matter most to you.

Why you can trust Bankrate

Read our full methodology

The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

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licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

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How to find the best car insurance in Arkansas

Having the right coverage types and limits in place may save you from hefty out-of-pocket expenses in the event of an accident. However, the best company and coverage will vary based on your circumstances and insurance preferences. To find the best car insurance company for your unique needs, consider the following strategies.

Arkansas car insurance laws require drivers to purchase at least minimum levels of liability coverage, including coverage for bodily injury and property damage. When you purchase car insurance in Arkansas, companies are also legally required to offer you uninsured motorist coverage and personal injury protection (PIP) coverage, although you can decline these in writing.

Buying minimum coverage car insurance often results in the lowest premium. However, if you cause an accident and damage someone’s vehicle or property, or cause injuries, you will be responsible for paying any bills that exceed your insurance limits. Most insurance professionals recommend purchasing higher liability limits if you can afford to.
If you loan or lease your vehicle, your financial institution will likely require you to maintain full coverage on it. This protects the lender's financial interest in your vehicle. You might also consider gap insurance to cover the "gap" between what you own on the vehicle and its value if it is totaled or stolen and nonrecoverable.
Your car insurance needs will likely change along with your life circumstances. For example, you might shop around for a cheaper carrier after adding a teen driver to your policy or switch to a carrier that offers classic car coverage when you buy an antique vehicle. Reviewing your budget, coverage needs and insurance priorities before comparing quotes may help you narrow down your list of top carriers.

How much is car insurance in Arkansas?

The average cost of car insurance in Arkansas is $2,489 per year for full coverage and $502 for minimum coverage. This is a little bit lower than the national average annual cost of car insurance, which is $2,678 for full coverage and $799 for minimum coverage. Average rates in Arkansas are less than the neighboring state of Missouri, but similar to Mississippi. Average annual rates in Missouri are $2,607 and $664 for full and minimum coverage, respectively. In Mississippi, the averages are $2,350 for full coverage and $529 for minimum coverage. These similarities are likely due to the relative consistency across these states in terms of population density, weather patterns and cost of living.

Your own rates may vary from these averages based on your personal rating factors. In Arkansas, these include your age, gender, vehicle type, ZIP code, driving record, credit history and more.

City	Avg. annual full coverage premium	Avg. savings vs. state average
Combs	$2,383	-4%
Springdale	$2,299	-8%
Russellville	$2,349	-6%
Altus	$2,369	-5%
Briggsville	$2,472	-1%
Hector	$2,395	-4%
Oark	$2,397	-4%
Pottsville	$2,347	-6%
Scranton	$2,354	-6%
Drasco	$2,511	+1%
Franklin	$2,542	+2%
Glencoe	$2,510	+1%
Heber Springs	$2,455	-1%
Oxford	$2,598	+4%
Alpena	$2,345	-6%
Gassville	$2,341	-6%
Norfork	$2,397	-4%
Peel	$2,377	-5%
Pyatt	$2,359	-5%
Greenland	$2,295	-8%
Huntsville	$2,410	-3%
Maysville	$2,270	-9%
Rogers	$2,293	-8%
Hagarville	$2,369	-5%
London	$2,360	-5%
Fort Smith	$2,363	-5%
Lake Village	$2,751	+10%
Montrose	$2,801	+12%
Camden	$2,602	+4%
Harrell	$2,673	+7%
Sparkman	$2,611	+5%
Sherrill	$2,717	+9%
Benton	$2,524	+1%
North Little Rock	$2,567	+3%
Little Rock	$2,679	+7%
Helena	$2,862	+14%
Pine Bluff	$2,838	+13%
White Hall	$2,778	+11%
Monticello	$2,759	+10%
Rison	$2,770	+11%
Carthage	$2,674	+7%
Magnolia	$2,670	+7%
Sulphur Springs	$2,258	-10%
Dumas	$2,772	+11%
Hermitage	$2,771	+11%
Star City	$2,817	+12%
Hampton	$2,677	+7%
Huttig	$2,752	+10%
Mount Holly	$2,670	+7%
Alleene	$2,613	+5%
Gravette	$2,276	-9%
Evening Shade	$2,566	+3%
Newark	$2,540	+2%
Hasty	$2,388	-4%
Jasper	$2,395	-4%
Mount Judea	$2,406	-3%
Oak Grove	$2,348	-6%
Saint Joe	$2,389	-4%
Cleveland	$2,425	-3%
Clinton	$2,461	-1%
Damascus	$2,416	-3%
Garner	$2,467	-1%
Holly Grove	$2,630	+6%
Humnoke	$2,540	+2%
Jacksonville	$2,514	+1%
Jones Mill	$2,529	+2%
Morrilton	$2,366	-5%
Pangburn	$2,441	-2%
Roland	$2,519	+1%
Bella Vista	$2,238	-11%
Decatur	$2,270	-9%
Kingston	$2,397	-4%
Wesley	$2,427	-3%
Cherokee Village	$2,545	+2%
Fifty Six	$2,520	+1%
Ida	$2,472	-1%
Oil Trough	$2,500	+0%
Sage	$2,528	+2%
Tichnor	$2,555	+3%
Joiner	$2,662	+7%
Mountain View	$2,533	+2%
Sulphur Rock	$2,519	+1%
Harrison	$2,313	-7%
Deer	$2,415	-3%
Dennard	$2,496	+0%
Oakland	$2,365	-5%
Vendor	$2,410	-3%
Fayetteville	$2,322	-7%
Osceola	$2,626	+5%
Palestine	$2,619	+5%
Caraway	$2,389	-4%
Hoxie	$2,418	-3%
Maynard	$2,448	-2%
O Kean	$2,431	-2%
Paragould	$2,429	-2%
Ravenden	$2,452	-1%
Swifton	$2,459	-1%
Warm Springs	$2,430	-2%
Batesville	$2,497	+0%
Bexar	$2,536	+2%
Concord	$2,504	+1%
Gillett	$2,527	+2%
Letona	$2,428	-2%
Lonsdale	$2,533	+2%
Mc Rae	$2,466	-1%
Plumerville	$2,359	-5%
Russell	$2,455	-1%
Floral	$2,525	+1%
Guion	$2,558	+3%
Big Flat	$2,401	-4%
Bull Shoals	$2,340	-6%
Parthenon	$2,404	-3%
Timbo	$2,534	+2%
Witts Springs	$2,425	-3%
Searcy	$2,440	-2%
Vilonia	$2,456	-1%
West Memphis	$2,786	+11%
Dyess	$2,621	+5%
Elaine	$2,871	+14%
Scotland	$2,483	-0%
Thida	$2,537	+2%
Wright	$2,672	+7%
Armorel	$2,625	+5%
Marked Tree	$2,501	+0%
Poplar Grove	$2,796	+12%
Jonesboro	$2,413	-3%
Bay	$2,383	-4%
Corning	$2,439	-2%
Imboden	$2,447	-2%
Marmaduke	$2,559	+3%
Sedgwick	$2,387	-4%
Smithville	$2,494	+0%
Des Arc	$2,541	+2%
Greenbrier	$2,461	-1%
Hickory Plains	$2,531	+2%
Houston	$2,405	-3%
Judsonia	$2,434	-2%
Perry	$2,418	-3%
Scott	$2,577	+3%
Wabbaseka	$2,693	+8%
Ward	$2,527	+2%
Wilburn	$2,468	-1%
Edgemont	$2,458	-1%
Hattieville	$2,392	-4%
Hensley	$2,592	+4%
Humphrey	$2,562	+3%
Jacksonport	$2,463	-1%
Jerusalem	$2,403	-4%
Poyen	$2,586	+4%
Quitman	$2,462	-1%
Barling	$2,314	-7%
Boles	$2,391	-4%
Natural Dam	$2,421	-3%
Centerton	$2,247	-10%
Gateway	$2,300	-8%
Hiwasse	$2,263	-10%
Saint Paul	$2,425	-3%
Knoxville	$2,351	-6%
Paris	$2,340	-6%
Plainview	$2,466	-1%
Gepp	$2,497	+0%
Pineville	$2,587	+4%
Chester	$2,382	-4%
Mulberry	$2,388	-4%
Winslow	$2,339	-6%
Evansville	$2,328	-7%
Garfield	$2,329	-7%
Goshen	$2,284	-9%
Witter	$2,439	-2%
Atkins	$2,342	-6%
Belleville	$2,395	-4%
Danville	$2,407	-3%
Dover	$2,359	-5%
Havana	$2,396	-4%
Pelsor	$2,415	-3%
Subiaco	$2,344	-6%
Cecil	$2,364	-5%
Cedarville	$2,380	-4%
Huntington	$2,317	-7%
Ratcliff	$2,340	-6%
Greenwood	$2,289	-8%
Magazine	$2,345	-6%
Midland	$2,331	-7%
Van Buren	$2,411	-3%
Cabot	$2,539	+2%
Casscoe	$2,500	+0%
Conway	$2,386	-4%
Kensett	$2,474	-1%
Lonoke	$2,508	+1%
Mount Vernon	$2,424	-3%
Marcella	$2,529	+2%
Rosie	$2,527	+2%
Salem	$2,545	+2%
Pindall	$2,387	-4%
Cherry Valley	$2,561	+3%
Clarkedale	$2,717	+9%
Forrest City	$2,628	+5%
Marianna	$2,766	+11%
Bassett	$2,655	+6%
Earle	$2,700	+8%
Portland	$2,823	+13%
Tillar	$2,797	+12%
Yorktown	$2,818	+12%
Bearden	$2,670	+7%
Springfield	$2,415	-3%
Stuttgart	$2,507	+1%
Aubrey	$2,779	+11%
Burdette	$2,592	+4%
Colt	$2,584	+4%
Edmondson	$2,723	+9%
Frenchmans Bayou	$2,657	+7%
Goodwin	$2,655	+6%
Haynes	$2,785	+11%
Hickory Ridge	$2,508	+1%
Marion	$2,775	+11%
Mellwood	$2,874	+14%
West Point	$2,426	-3%
Woodson	$2,564	+3%
Mc Crory	$2,521	+1%
Brickeys	$2,758	+10%
Caldwell	$2,552	+3%
Lawson	$2,636	+6%
Thornton	$2,657	+7%
Waldo	$2,673	+7%
Desha	$2,514	+1%
Dolph	$2,564	+3%
Elizabeth	$2,468	-1%
Gamaliel	$2,382	-4%
Sturkie	$2,514	+1%
Flippin	$2,348	-6%
Harriet	$2,427	-3%
Lakeview	$2,340	-6%
Leslie	$2,505	+1%
Midway	$2,345	-6%
Summit	$2,350	-6%
Oneida	$2,835	+13%
Vanndale	$2,540	+2%
Harrisburg	$2,516	+1%
Lafe	$2,449	-2%
Monette	$2,372	-5%
Walcott	$2,443	-2%
Keiser	$2,641	+6%
Lexa	$2,817	+12%
Luxora	$2,632	+6%
Moro	$2,713	+9%
Beech Grove	$2,481	-0%
Brookland	$2,424	-3%
Strawberry	$2,489	+0%
Walnut Ridge	$2,375	-5%
Brockwell	$2,567	+3%
Mammoth Spring	$2,547	+2%
Melbourne	$2,567	+3%
Wideman	$2,568	+3%
Clarkridge	$2,395	-4%
Compton	$2,380	-4%
Eureka Springs	$2,341	-6%
Green Forest	$2,345	-6%
Tilly	$2,416	-3%
Pollard	$2,422	-3%
Tuckerman	$2,452	-2%
Williford	$2,558	+3%
Ash Flat	$2,534	+2%
Crossett	$2,804	+12%
Kingsland	$2,734	+9%
Warren	$2,725	+9%
Wilmar	$2,762	+10%
Calion	$2,643	+6%
Whelen Springs	$2,537	+2%
Hope	$2,655	+6%
Snow Lake	$2,800	+12%
Turner	$2,845	+13%
West Ridge	$2,638	+6%
Wynne	$2,501	+0%
Black Oak	$2,387	-4%
Cash	$2,407	-3%
Lake City	$2,356	-5%
Saint Francis	$2,403	-4%
Weiner	$2,495	+0%
Calico Rock	$2,575	+3%
Etowah	$2,634	+6%
Mc Dougal	$2,430	-2%
Piggott	$2,384	-4%
Ravenden Springs	$2,441	-2%
Waldenburg	$2,561	+3%
Delaplaine	$2,478	-0%
Dell	$2,518	+1%
Grubbs	$2,474	-1%
Portia	$2,425	-3%
Ivan	$2,716	+9%
Louann	$2,678	+7%
Strong	$2,712	+9%
Grady	$2,830	+13%
Winchester	$2,748	+10%
Chidester	$2,610	+5%
El Dorado	$2,692	+8%
Tyronza	$2,573	+3%
Alicia	$2,423	-3%
Mansfield	$2,375	-5%
Stephens	$2,634	+6%
Bigelow	$2,420	-3%
Biscoe	$2,520	+1%
Bluffton	$2,457	-1%
Dardanelle	$2,382	-4%
Hartman	$2,363	-5%
Harvey	$2,414	-3%
Ozone	$2,361	-5%
Bentonville	$2,254	-10%
Morrow	$2,332	-6%
Pettigrew	$2,389	-4%
Siloam Springs	$2,248	-10%
Ola	$2,433	-2%
Gentry	$2,258	-10%
Lincoln	$2,334	-6%
Mount Pleasant	$2,546	+2%
Sidney	$2,566	+3%
Tumbling Shoals	$2,471	-1%
Bergman	$2,317	-7%
Lead Hill	$2,354	-6%
Mountain Home	$2,362	-5%
Omaha	$2,332	-7%
Valley Springs	$2,374	-5%
Blytheville	$2,613	+5%
Lepanto	$2,481	-0%
Marvell	$2,857	+14%
Parks	$2,416	-3%
Booneville	$2,353	-6%
Branch	$2,353	-6%
Lavaca	$2,297	-8%
Waldron	$2,379	-5%
Cave Springs	$2,252	-10%
Summers	$2,302	-8%
Alix	$2,356	-5%
Delaware	$2,375	-5%
Gravelly	$2,441	-2%
New Blaine	$2,382	-4%
Mc Gehee	$2,800	+12%
Mc Neil	$2,663	+7%
Glenwood	$2,635	+6%
Okolona	$2,541	+2%
Rivervale	$2,502	+1%
Widener	$2,629	+5%
Black Rock	$2,419	-3%
Datto	$2,478	-0%
Lynn	$2,498	+0%
Manila	$2,583	+4%
Success	$2,478	-0%
Trumann	$2,465	-1%
Camp	$2,509	+1%
Hamburg	$2,821	+13%
New Edinburg	$2,736	+9%
Pickens	$2,797	+12%
Beirne	$2,536	+2%
Coal Hill	$2,357	-5%
Rover	$2,477	-0%
Parkin	$2,543	+2%
Wilson	$2,646	+6%
Bono	$2,409	-3%
Knobel	$2,454	-1%
Leachville	$2,503	+1%
Columbus	$2,654	+6%
Doddridge	$2,659	+7%
Prescott	$2,571	+3%
Hot Springs National Park	$2,568	+3%
Caddo Gap	$2,582	+4%
Grannis	$2,571	+3%
Pencil Bluff	$2,518	+1%
Oden	$2,540	+2%
El Paso	$2,453	-1%
Ethel	$2,546	+2%
Grapevine	$2,622	+5%
Higginson	$2,455	-1%
Jefferson	$2,645	+6%
Sherwood	$2,541	+2%
Blevins	$2,639	+6%
Cale	$2,647	+6%
De Queen	$2,653	+6%
Garland City	$2,677	+7%
Ozan	$2,640	+6%
Taylor	$2,727	+9%
Board Camp	$2,527	+2%
Murfreesboro	$2,597	+4%
Arkadelphia	$2,495	+0%
Adona	$2,403	-4%
Beedeville	$2,455	-1%
Clarksville	$2,331	-7%
Hackett	$2,312	-7%
Hartford	$2,318	-7%
Mountainburg	$2,384	-4%
Ozark	$2,356	-5%
Foreman	$2,630	+6%
Lockesburg	$2,626	+5%
Saratoga	$2,614	+5%
Bonnerdale	$2,514	+1%
Jessieville	$2,556	+3%
Langley	$2,629	+5%
Pearcy	$2,534	+2%
Proctor	$2,645	+6%
Wheatley	$2,610	+5%
Fisher	$2,571	+3%
Greenway	$2,397	-4%
Peach Orchard	$2,448	-2%
Powhatan	$2,448	-2%
Rector	$2,423	-3%
Cord	$2,548	+2%
Cushman	$2,504	+1%
Clarendon	$2,563	+3%
Guy	$2,417	-3%
Little Rock Air Force Base	$2,514	+1%
Perryville	$2,428	-2%
Cotton Plant	$2,538	+2%
Bryant	$2,559	+3%
Newport	$2,454	-1%
Paron	$2,515	+1%
Redfield	$2,649	+6%
Reydell	$2,679	+7%
Stamps	$2,682	+7%
Hot Springs Village	$2,504	+1%
Amity	$2,560	+3%
Antoine	$2,597	+4%
Friendship	$2,526	+1%
Alma	$2,387	-4%
Charleston	$2,338	-6%
Rudy	$2,391	-4%
Uniontown	$2,393	-4%
Arkansas City	$2,807	+12%
Bluff City	$2,616	+5%
Curtis	$2,531	+2%
Emerson	$2,698	+8%
Junction City	$2,681	+7%
Norphlet	$2,662	+7%
Cave City	$2,537	+2%
Charlotte	$2,540	+2%
Crawfordsville	$2,717	+9%
De Valls Bluff	$2,518	+1%
Griffithville	$2,482	-0%
Hazen	$2,510	+1%
Higden	$2,465	-1%
Hunter	$2,535	+2%
Keo	$2,536	+2%
Prim	$2,505	+1%
Roe	$2,529	+2%
Romance	$2,451	-2%
Poughkeepsie	$2,572	+3%
Saffell	$2,492	+0%
Wiseman	$2,541	+2%
Ponca	$2,405	-3%
Western Grove	$2,362	-5%
Yellville	$2,358	-5%
Sweet Home	$2,634	+6%
Barton	$2,849	+13%
Driver	$2,686	+8%
Gilmore	$2,706	+8%
Hughes	$2,674	+7%
Hardy	$2,528	+2%
Locust Grove	$2,527	+2%
Pleasant Plains	$2,517	+1%
Gilbert	$2,390	-4%
Marble Falls	$2,370	-5%
Onia	$2,530	+2%
Sheridan	$2,598	+4%
Shirley	$2,441	-2%
Traskwood	$2,535	+2%
Tucker	$2,655	+6%
Wooster	$2,408	-3%
Henderson	$2,381	-4%
Pleasant Grove	$2,529	+2%
Viola	$2,530	+2%
Violet Hill	$2,543	+2%
Berryville	$2,331	-7%
Cotter	$2,351	-6%
Everton	$2,349	-6%
Marshall	$2,445	-2%
Bradley	$2,756	+10%
Fulton	$2,646	+6%
Mc Caskill	$2,610	+5%
Bismarck	$2,522	+1%
Story	$2,566	+3%
Austin	$2,529	+2%
Bald Knob	$2,475	-1%
Canehill	$2,343	-6%
Elkins	$2,409	-3%
Farmington	$2,321	-7%
Hindsville	$2,389	-4%
Lowell	$2,263	-10%
Pea Ridge	$2,288	-8%
Prairie Grove	$2,323	-7%
West Fork	$2,346	-6%
Lamar	$2,369	-5%
Alpine	$2,528	+2%
Umpire	$2,601	+4%
Horatio	$2,623	+5%
Rosston	$2,614	+5%
Hatfield	$2,533	+2%
Alexander	$2,506	+1%
Ashdown	$2,598	+4%
Ben Lomond	$2,656	+6%
Nashville	$2,596	+4%
Mena	$2,511	+1%
Sims	$2,549	+2%
Vandervoort	$2,556	+3%
Augusta	$2,480	-0%
Dierks	$2,608	+5%
Fouke	$2,675	+7%
Kirby	$2,618	+5%
Mountain Pine	$2,546	+2%
Royal	$2,553	+3%
Bradford	$2,455	-1%
Lewisville	$2,704	+8%
Donaldson	$2,535	+2%
Newhope	$2,607	+5%
Norman	$2,562	+3%
Amagon	$2,487	-0%
Banks	$2,733	+9%
Eudora	$2,760	+10%
Turrell	$2,699	+8%
West Helena	$2,911	+16%
Minturn	$2,436	-2%
Pocahontas	$2,421	-3%
Reyno	$2,445	-2%
State University	$2,476	-1%
Horseshoe Bend	$2,530	+2%
Buckner	$2,661	+7%
Emmet	$2,587	+4%
Gillham	$2,615	+5%
Washington	$2,652	+6%
Willisville	$2,624	+5%
Winthrop	$2,578	+4%
Delight	$2,621	+5%
Almyra	$2,489	-0%
Altheimer	$2,726	+9%
Beebe	$2,485	-0%
Bee Branch	$2,463	-1%
Brinkley	$2,544	+2%
Center Ridge	$2,394	-4%
Leola	$2,584	+4%
Menifee	$2,395	-4%
Maumelle	$2,500	+0%
Patterson	$2,509	+1%
Rose Bud	$2,409	-3%
Saint Charles	$2,537	+2%
Carlisle	$2,528	+2%
Casa	$2,400	-4%
Coy	$2,552	+3%
De Witt	$2,492	+0%
England	$2,617	+5%
Fox	$2,519	+1%
Fairfield Bay	$2,440	-2%
Mayflower	$2,432	-2%
Dermott	$2,756	+10%
Fountain Hill	$2,800	+12%
Gould	$2,731	+9%
Parkdale	$2,811	+12%
Rohwer	$2,798	+12%
Wilmot	$2,805	+12%
Fordyce	$2,679	+7%
Gurdon	$2,530	+2%
Moscow	$2,836	+13%
Solgohachia	$2,382	-4%
Tupelo	$2,493	+0%
Ulm	$2,522	+1%
Wrightsville	$2,626	+5%
Crumrod	$2,933	+16%
Heth	$2,642	+6%
La Grange	$2,785	+11%
Lambrook	$2,777	+11%
Crocketts Bluff	$2,515	+1%
Enola	$2,436	-2%
Gregory	$2,467	-1%
Mabelvale	$2,690	+8%
Malvern	$2,517	+1%
Prattsville	$2,601	+4%
Genoa	$2,663	+7%
Mineral Springs	$2,580	+4%
Ogden	$2,580	+4%
Texarkana	$2,729	+9%
Wilton	$2,563	+3%
Cove	$2,566	+3%
Mount Ida	$2,548	+2%
Wickes	$2,571	+3%
Bauxite	$2,605	+5%
Wabash	$2,840	+13%
Biggers	$2,436	-2%
Jersey	$2,715	+9%
Watson	$2,787	+11%
Smackover	$2,660	+7%

Estimate your car insurance cost in Arkansas

Discover your potential car insurance premium in Arkansas with Bankrate’s easy-to-use calculator. Simply input a few details, and it will provide an estimated average cost for your policy in the state. Keep in mind that this is not an exact quote, but it may give you a point of reference when comparing personalized quotes from carriers.

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Frequently asked questions

There is no one single best car insurance company for all drivers, because every driver has a unique driving history, budget, vehicle and other personal factors. The best insurer for one driver may not offer the best policy for another driver. Factors like age and gender can also affect policy prices in Arkansas. Getting quotes from several providers will help you decide what company offers the best coverage options, discounts and policy features for you.
The cheapest car insurance for one driver may not be the same as for another. While companies like USAA and Geico offer low premiums to Arkansas customers on average, the price you’re quoted will depend on factors like age, vehicle, driving record and credit history. To find the cheapest Arkansas car insurance company for you, most experts recommend pulling free quotes from several top companies and comparing their offers. Keep in mind that you'll likely want to select the same types and amounts of coverage in each quote to get an accurate picture of rates across companies.
Arkansas' average annual premium for full coverage is $2,489, which is slightly lower than the national average of $2,678. The average cost of minimum coverage in the state is also lower than the U.S. average at $502 per year compared to the national average of $799 per year. Low average rates in Arkansas may be attributed to the state's low cost of living and primarily rural population, which may help reduce accident rates. However, Arkansas does have the eighth-highest number of uninsured drivers, which may prevent rates from being lower.
Arkansas requires that all drivers carry at least minimum coverage car insurance. In Arkansas, minimum coverage is denoted as 25/50/25. This means drivers need $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident. While these limits meet the legal requirements, most insurance professionals recommend carrying higher coverage limits and additional coverage types if you can afford to do so for enhanced financial protection.

Bankrate utilizes Quadrant Information Services to analyze March 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Written by

Ashlyn Brooks

Writer II, Insurance

Best car insurance in Arkansas for 2025

Best car insurance companies in Arkansas

Geico

Best for discounts

Overview

Pros and cons

Geico standout features

State Farm

Best for high-risk drivers

Overview

Pros and cons

Who State Farm may be good for

Auto-Owners

Best for coverage add-ons

Overview

Pros and cons

Who Auto-Owners may be good for

USAA

Best for military-focused coverage

Overview

Pros and cons

Who USAA may be good for

Shelter

Best for customer service

Overview

Pros and cons

Who Shelter may be good for

How Bankrate chose the best car insurance companies in Arkansas

Compare auto insurance rates

How to find the best car insurance in Arkansas

Consider minimum insurance requirements in Arkansas

Consider lender requirements

Consider your individual needs

Related content:

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Cheapest car insurance in Arkansas Previously Read

How much is car insurance in Arkansas?

Estimate your car insurance cost in Arkansas

Calculate your monthly car insurance payment

Frequently asked questions

What is the best car insurance company in Arkansas?

What is the cheapest car insurance company in Arkansas?

Is Arkansas car insurance expensive?

Is car insurance required in Arkansas?

Methodology

Bankrate Score