Skip to Main Content

Best car insurance in Arkansas for 2025

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

Updated Feb 03, 2025

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Compare car insurance rates
Answer a few questions to discover real rates from top-tier carriers in your area.
Location-Icon
Lock Secure Icon Your information is secure
Badge Icon No spam. No fees. No surprises.
Select from a variety of trusted carriers
+ MORE
User Icon
Tell us a little about yourself
We’ll only ask for info we’re confident will impact your rate. That way, we can provide you with the most accurate and personalized offers.
Auto Insurance Guide Icon
Choose which policy is best for you
Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you’d like.
Congrats Icon
Lock in your rate and policy details
Once you’re confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that’s it!

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 — $2,490 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 2023 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:

4.3
Rating: 4.3 stars out of 5
$1,971
$359
4.3
Rating: 4.3 stars out of 5
$2,262
$447
4.3
Rating: 4.3 stars out of 5
$2,021
$451
4.3
Rating: 4.3 stars out of 5
$1,674
$352
4.1
Rating: 4.1 stars out of 5
$2,230
$517

Geico

Best for discounts

Geico

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$164/mo

Avg. full coverage premium

$1,971/yr

Customer satisfaction

622/1,000

State Farm

Best for high-risk drivers

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$188/mo

Avg. full coverage premium

$2,262/yr

Customer satisfaction

647/1,000

Auto-Owners

Best for coverage add-ons

Auto-Owners

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$168/mo

Avg. full coverage premium

$2,021/yr

Customer satisfaction

663/1,000

USAA

Best for military-focused coverage

USAA

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$139/mo

Avg. full coverage premium

$1,674/yr

Customer satisfaction

759/1,000

Shelter

Best for customer service

Shelter

4.1

Rating: 4.1 stars out of 5

Avg. full coverage premium

$186/mo

Avg. full coverage premium

$2,230/yr

Customer satisfaction

677/1,000

Lightbulb Icon

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.

Bankrate logo

Why you can trust Bankrate

Read our full methodology

To help Arkansas drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

1.2M

quotes analyzed

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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.

Related content:

Ready for your quote?

Answer a few questions to see personalized rates from top carriers in Arkansas

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How much is car insurance in Arkansas?

The average cost of car insurance in Arkansas is $2,490 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 $2,670 for full coverage and $773 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 $2,576 and $655 for full and minimum coverage, respectively. In Mississippi, the averages are $2,170 for full coverage and $494 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

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.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

Caret Down IconCaret Up Icon
Please select age
Location-Icon
Lock Secure Icon Your information is secure
Caret Down IconCaret Up Icon
Please select credit score
Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze February 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:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

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.

Clock Wait Icon
46
years of industry expertise
Search Icon
122
carriers reviewed
Location Icon
34.5K
ZIP codes examined
Dollar Coin Icon
1.2M
quotes analyzed
Written by
Ashlyn Brooks
Writer II, Insurance
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Edited by Editor, Insurance