Low-cost car insurance in Arkansas

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In Arkansas, Travelers offers the cheapest average premium at $1,680 per year. For comparison, the statewide average monthly cost is $227, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Arkansas, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

Travelers has the cheapest average premium in Arkansas, coming in at $1,680 per year – about $1,043 compared to the state average.
For drivers with an at-fault accident on their record, Travelers offers the lowest rates, with annual costs averaging $2,396.
The 72712 ZIP code is the least expensive area in Arkansas for car insurance, with an average yearly premium of $2,386.

Low-cost car insurance businesses in Arkansas

When comparing insurers in Arkansas, Travelers leads the pack with an annual average of $1,680. That’s $1,043 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
Travelers	$1,680
GEICO	$1,871
Shelter Insurance	$2,103
Nationwide	$2,673
Southern Farm Bureau	$2,798
Farmers	$2,869
Allstate	$3,745
Alfa Insurance	$3,947
Progressive	$4,017
USAA*	$1,527

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Arkansas

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Arkansas

Drivers in the 72712 ZIP code pay the lowest average annual premium in Arkansas, at $2,386. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
72712	Bentonville	$2,386
72713	Bentonville	$2,396
72714	Bella Vista	$2,403
72715	Bella Vista	$2,407
72758	Rogers	$2,418
72718	Rogers	$2,424
72936	Greenwood	$2,427
72739	Hiwasse	$2,428
72719	Centerton	$2,428
72830	Clarksville	$2,430

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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 $9,261 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)	$9,027
Young Adults (20-24)	$4,148
Adults (25-60)	$2,686
Seniors (65-75)	$2,514

Low-cost car insurance in Arkansas by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Arkansas

One speeding ticket in Arkansas can cause your insurance rates to jump by 45%, or roughly $1,235 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,680	$2,591	54%	$911
GEICO	$1,871	$3,037	62%	$1,166
Allstate	$3,745	$4,323	15%	$578
Nationwide	$2,673	$4,328	62%	$1,655
Farmers	$2,869	$5,029	75%	$2,160
Progressive	$4,017	$5,214	30%	$1,196
USAA*	$1,527	$1,819	19%	$292

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Arkansas

Travelers offers the lowest car insurance rates to drivers after an at-fault accident at $2,396 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
Travelers	$1,680	$2,396	43%	$716
GEICO	$1,871	$3,191	71%	$1,320
Farmers	$2,869	$4,553	59%	$1,684
Nationwide	$2,673	$4,595	72%	$1,922
Allstate	$3,745	$5,467	46%	$1,722
Progressive	$4,017	$6,218	55%	$2,201
USAA*	$1,527	$2,241	47%	$714

*USAA is only available to military community members and their families.

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
Travelers	$1,680	$2,557	$877	52%
GEICO	$1,871	$3,405	$1,534	82%
Progressive	$4,017	$4,439	$421	10%
Allstate	$3,745	$4,924	$1,179	31%
Nationwide	$2,673	$5,929	$3,256	122%
Farmers	$2,869	$6,461	$3,591	125%
USAA*	$1,527	$2,962	$1,434	94%

*USAA is only available to military community members and their families.

Average cost of car insurance Arkansas

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

In Arkansas, the average cost of full coverage is $210 more compared to the national average.

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in Arkansas, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

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 violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 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.

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.