Compare Cheap Auto Insurance in Arkansas

• The average cost of full coverage auto insurance in Arkansas is $2,340 annually, and the average annual cost of minimum coverage is $528.
• USAA offers the cheapest auto insurance in multiple categories, and State Farm is the cheapest for drivers with a DUI or an at-fault accident.
• Southern Farm Bureau and Travelers also have lower-than-average rates across many categories.

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• Cheapest full coverage in Arkansas: USAA ($1,377 annually) and Southern Farm Bureau ($1,537 annually)
• Cheapest minimum coverage: USAA ($340 annually) and Travelers ($468 annually)
• Cheapest with a teen driver: Southern Farm Bureau ($3,187 annually) and Alfa ($4,038 annually)
• Cheapest with a speeding ticket: USAA ($1,560 annually) and State Farm ($1,865 annually)
• Cheapest with an at-fault accident: USAA ($1,717 annually) and Travelers ($1,946)
• Cheapest with a DUI: State Farm ($1,874 annually) and Travelers ($2,112 annually)
• Cheapest with low credit: USAA ($2,058 annually) and Alfa ($2,349 annually)

Along with offering cheap rates in Arkansas, USAA performs well in J.D. Power studies of customer and claims satisfaction. This is why it’s our pick for the best auto insurance in Arkansas for military members and their families.

Shelter also scored well above the Arkansas average for customer satisfaction, and it performed better than State Farm in CRASH Network’s Insurer Report Card (a survey of collision repair shops on insurers’ claims practices). Although Shelter’s rates aren’t the lowest in Arkansas, they tend to fall below the state average. Depending on your circumstances, you may find the extra cost worth the higher level of service.

Though Alfa and Southern Farm Bureau are not included in the J.D. Power studies, these providers have high scores on the CRASH Network Insurer Report Card, which indicates that repair shops speak highly of these companies’ claims handling.

1. Keep a clean record. High-risk drivers pay significantly more for car insurance than those who maintain a clean record. In addition, many providers offer discounts for those who have remained accident- and violation-free for a certain number of years.
2. Opt for a high deductible. Increasing your deductible lowers your monthly premiums. However, it also means out-of-pocket costs will be higher if you ever need to make a claim.
3. Bundle policies. Many providers offer significant discounts for those who bundle multiple policies, including home and auto insurance. Depending on the provider, auto insurance can also be bundled with renters insurance, boat insurance, classic car insurance and other policy types.
4. Use a multicar discount. If you’re insuring multiple vehicles within your household, you may be able to keep your costs low with a multicar discount.
5. Consider telematics or low-mileage discounts. Telematics discounts monitor your driving and provide discounts for those who practice safe habits, such as smooth braking and adherence to the speed limit. Many providers offer additional discounts for infrequent drivers.

The cost of auto insurance can vary significantly depending on your city. Little Rock has some of the highest average rates in the state, while Bentonville and Rogers enjoy more moderate premiums.

Driving without auto insurance in Arkansas is illegal. To legally operate a vehicle, you must own an auto insurance policy that meets certain limits, including property damage and bodily injury liability. This covers the cost of the other driver’s property replacement and medical care if you cause an accident.

• Bodily injury: $25,000 per person/$50,000 per accident
• Property damage: $25,000⁴

Insurance companies must offer uninsured/underinsured motorist coverage, which can be rejected by the customer. In Arkansas, drivers can choose to include personal injury protection in their insurance policy, which pays for your medical expenses, wages and other losses regardless of who is at fault.

Although these figures represent the legal minimum limits, minimum coverage auto insurance may not be enough to cover the cost of an accident. Drivers with a leased or financed vehicle will likely require additional coverage, such as comprehensive and collision.

We analyze average premiums in Arkansas for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Personal injury protection: $10,000
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible