Low-cost car insurance in Arkansas

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Drivers in Arkansas can find the cheapest average premium with GEICO, at $1,918 per year. By comparison, the statewide average monthly cost is $245. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Arkansas requires drivers to carry at least $25,000 in bodily injury coverage per person, $25,000 in bodily injury per accident, and $50,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Arkansas, depending on your situation.

Key Takeaways

GEICO has the lowest average car insurance premium in Arkansas, costing $1,918 per year. That’s $1,024 the state average.
For drivers with an at-fault accident on record, Shelter Insurance offers the most affordable coverage at around $2,562 annually.
The 72712 ZIP code stands out as the cheapest area for auto insurance in Arkansas, with an average yearly cost of $2,577.

Low-cost car insurance businesses in Arkansas

When comparing insurers in Arkansas, GEICO leads the pack with an annual average of $1,918. That’s $1,024 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Arkansas.

Company	Average annual rates
GEICO	$1,918
Shelter Insurance	$1,934
Auto-Owners	$2,580
Nationwide	$2,681
Farmers	$2,760
Southern Farm Bureau	$3,190
Progressive	$3,619
Allstate	$3,798
Alfa Insurance	$4,008

How we choose low-cost car insurance companies in Arkansas

195+

Carriers reviewed

65M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Arkansas

In Arkansas, drivers living in the 72712 ZIP code enjoy the lowest average annual premium at $2,577. Check the table below to see which other ZIP codes in the state have more affordable rates.

Zipcode	City	Average annual rates
72712	Bentonville	$2,577
72713	Bentonville	$2,586
72941	Lavaca	$2,594
72719	Centerton	$2,595
72758	Rogers	$2,596
72714	Bella Vista	$2,598
72715	Bella Vista	$2,604
72928	Branch	$2,608
72936	Greenwood	$2,611
72943	Magazine	$2,612

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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 city

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Low-cost car insurance in Arkansas by age

Teen drivers in Arkansas pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $9,052 more than a 40-year-old driver in Arkansas.

The table below shows low-cost car insurance rates for drivers of different ages.

Age group	Full coverage annual premiums
Teens (16-19)	$9,626
Young Adults (20-24)	$4,529
Adults (25-60)	$2,911
Seniors (65-75)	$2,762

Low-cost car insurance in Arkansas by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Arkansas

Just one speeding ticket in Arkansas can raise your rates by 37% – $1,091 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Shelter Insurance	$1,934	$2,276	18%	$342
GEICO	$1,918	$3,244	69%	$1,326
Southern Farm Bureau	$3,190	$3,449	8%	$259
Farmers	$2,760	$3,576	30%	$816
Auto-Owners	$2,580	$3,634	41%	$1,054
Nationwide	$2,681	$4,621	72%	$1,940
Allstate	$3,798	$4,665	23%	$867
Progressive	$3,619	$4,839	34%	$1,220
Alfa Insurance	$4,008	$5,956	49%	$1,948

Low-cost car insurance after an accident in Arkansas

Shelter Insurance offers the lowest car insurance rates to drivers after an at-fault accident at $2,562 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Shelter Insurance	$1,934	$2,562	32%	$628
GEICO	$1,918	$3,508	83%	$1,590
Farmers	$2,760	$3,878	41%	$1,118
Southern Farm Bureau	$3,190	$4,108	29%	$918
Auto-Owners	$2,580	$4,294	66%	$1,714
Nationwide	$2,681	$4,799	79%	$2,118
Progressive	$3,619	$5,417	50%	$1,798
Alfa Insurance	$4,008	$6,524	63%	$2,516
Allstate	$3,798	$6,544	72%	$2,746

Low-cost car insurance after a DUI in Arkansas

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Arkansas are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Shelter Insurance	$1,934	$2,947	52%	$1,013
GEICO	$1,918	$3,566	86%	$1,648
Farmers	$2,760	$3,724	35%	$964
Southern Farm Bureau	$3,190	$3,802	19%	$612
Progressive	$3,619	$4,256	18%	$637
Allstate	$3,798	$5,138	35%	$1,340
Auto-Owners	$2,580	$5,583	116%	$3,003
Alfa Insurance	$4,008	$6,078	52%	$2,070
Nationwide	$2,681	$6,273	134%	$3,592

Average cost of car insurance Arkansas

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Arkansas, the average cost of full coverage is $364 more compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Arkansas, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance in Arkansas.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Arkansas. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 65,756,440 insurance quotes from 195 insurance companies across 34,595 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Read more about our research standards and methodology.

Shivani Gite

Contributing 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.