Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Arkansas Average car insurance cost in Arkansas A full-coverage car insurance policy in Arkansas costs an average of $2,723 a year or $227 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: January 7, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you live in Arkansas, you can expect to pay an average of around $227 per month for full coverage car insurance, or $2,723 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $42 monthly or $503 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. Average annual cost $2,723 / Year Average per month cost $227 Average cost for state minimum coverage $763 / Year Cheapest car insurance company Travelers$1,680 / Year Average cost for young drivers $4,148 / Year Average cost for Senior drivers $2,514 / Year 012345 1 of 6 Average car insurance cost in Arkansas If you live in Arkansas can expect to pay an average of $227 per month for full coverage car insurance – that’s $2,723 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $42 monthly or $503 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in ArkansasIf you’re looking for affordable insurance, Travelers tops the list of the cheapest car insurance companies. Its average annual cost is $1,680 per year or $140 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.GEICO also provides affordable insurance rates in Arkansas for a full coverage policy at an average annual insurance cost of $1,871 or $156 monthly.While these companies offer some of the lowest average premiums in Arkansas, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. Affordable car insurance providers in Arkansas Graph Table Company nameAverage per month costAverage annual costTravelers$140$1,680GEICO$156$1,871Shelter Insurance$175$2,103Nationwide$223$2,673Southern Farm Bureau$233$2,798Farmers$239$2,869Allstate$312$3,745Alfa Insurance$329$3,947Progressive$335$4,017USAA*$127$1,527*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: Arkansas car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Arkansas Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Arkansas Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$884/year Full Coverage$2,592/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in ArkansasThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $42 per month, or $503 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In Arkansas, the average cost for full coverage is $227 per month, or $2,723 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.Coverage limitsAverage annual costState minimum liability-only$503Liability only$763Full coverage$2,723Non-owner state minimum liability$337Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Arkansas by citySee rates in your cityFayetteville Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Arkansas by cityWhere you live in Arkansas can have a big impact on your car insurance rates.If you’re located in cities like Pine Bluff, Little Rock, or North Little Rock, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Bentonville and Rogers tend to pay much lower insurance premiums, between $2,391 and $2,427 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costBentonville$2,391Rogers$2,427Springdale$2,488Fayetteville$2,526Conway$2,527Fort Smith$2,540Jonesboro$2,631North Little Rock$2,836Little Rock$2,936Pine Bluff$3,060Powered by:Average car insurance cost in Arkansas by ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Arkansas, based on age and gender.Average car insurance cost in Arkansas for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Arkansas pays an average of $5,872 annually for car insurance, compared to $5,100 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $3,286 per year for male drivers and $3,121 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,872$5,10021$4,387$3,93422$4,100$3,72323$3,851$3,52524$3,630$3,354Powered by:Average car insurance cost in Arkansas for adult driversAn adult driver aged 25-60 in Arkansas pays $2,694 annually for full coverage, or around $225 each month. Women in the same age group pay $2,677 per year or $223 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$3,286$3,12130$2,942$2,91035$2,829$2,85040$2,689$2,75745$2,591$2,64050$2,491$2,48955$2,392$2,36060$2,356$2,315Powered by:Average car insurance cost in Arkansas for senior driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,424 annually, while women pay $2,315.By 70, average rates go up to $2,559 for men and $2,407 for women. At age 75, costs increase further, reaching $2,819 for men and $2,560 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,424$2,31570$2,559$2,40775$2,819$2,560Powered by:Minimum car insurance requirements in ArkansasWhether you’re buying your first insurance policy or just moved to Arkansas, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Arkansas must carry at least the following minimum liability coverage:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in ArkansasYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Chevrolet TrailBlazer tops the list for cheapest car to insure in Arkansas at an average cost of $1,969 a year, followed closely by Honda HR-V at $1,989 per year.The table below outlines the vehicles with the lowest insurance costs.Make ModelAverage annual premiumChevrolet TrailBlazer$1,969Honda HR-V$1,989Hyundai Venue$2,024Honda CR-V$2,045Toyota Corolla Cross$2,108Subaru Outback$2,109Mazda CX-30$2,111Volkswagen Tiguan$2,117Chevrolet Trax$2,120Mazda CX-5$2,122Powered by:Most expensive cars to insure in ArkansasMaserati Quattroporte tops the list as the most expensive car to insure in Arkansas, at an average annual cost of $8,766. Below is a list of the most expensive vehicles to insure in Arkansas and their average annual premiums.Make ModelAverage annual premiumMaserati Quattroporte$8,766Maserati Ghibli$7,961Nissan GT-R$6,818Audi e-tron GT$6,764BMW M8 Gran Coupe$6,683BMW i7$6,525Porsche 911 GT3$6,473Tesla Model S$6,359Audi RS7$6,351Porsche 911 Turbo$6,184Powered by:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident. We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in ArkansasCheapest car insurance companies in ArkansasAverage cost of car insurance by coverage levels in ArkansasAverage car insurance cost in Arkansas by cityAverage car insurance cost in Arkansas by ageMinimum car insurance requirements in ArkansasCheapest cars to insure in ArkansasMost expensive cars to insure in ArkansasMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330