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: November 6, 2025 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 A full coverage car insurance policy costs around $2,723 a year or $227 per month for Arkansas drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $503 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. Average annual cost $2,723 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 Average car insurance cost in Arkansas If you’re a resident of Arkansas, full coverage car insurance typically costs about $227 per month, adding up to $2,723 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $42, or $503 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in ArkansasTravelers has the cheapest rates, at an average annual cost of $1,680 or $140 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.GEICO also stands out for its affordable premiums, with an average cost of $156 per month or $1,871 annually.While these insurance companies have some of the lowest average rates in Arkansas, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. 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: 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 ArkansasYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $42 per month or $503 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Arkansas, drivers typically pay $227 per month or $2,723 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.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 cityCar insurance rates can vary widely depending on where you live, even within Arkansas.Cities like Pine Bluff, Little Rock, or North Little Rock tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Bentonville or Rogers, with average annual premiums between $2,391 and $2,427.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.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 ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Arkansas for a full coverage policy based on your age and gender.Average car insurance cost in Arkansas for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Arkansas pay an average of $5,872 per year for car insurance, while females of the same age pay $5,100.But by the time you turn 25, insurance premiums drop to $3,286 a year on average for male drivers and $3,121 for female drivers.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 driversOn average, an adult male driver in Arkansas pays $2,694 a year for full coverage or $225 per month. Women pay $2,677 a year or $223 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.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 driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,424 per year, while women pay $2,315. But by age 70, average premiums rise to $2,559 for men and $2,407 annually for women. At 75, rates increase even further – $2,819 for male drivers and $2,560 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining 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 ArkansasInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Chevrolet TrailBlazer has the lowest premium, at an average of $1,969 a year, closely followed by Honda HR-V, with an average annual car insurance cost of $1,989.The table below shows the cheapest cars to insure and their average annual rates.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