Skip to Main Content
Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best car insurance in Arkansas for 2023

Updated May 10, 2023
Compare car insurance rates
Answer a few questions to discover real rates from top-tier carriers in your area.
Location-Icon
Lock Secure Your information is secure
Badge No spam. No fees. No surprises.
Select from a variety of trusted carriers
+ MORE
User
Tell us a little about yourself
We’ll only ask for info we’re confident will impact your rate. That way, we can provide you with the most accurate and personalized offers.
Insurance Auto
Choose which policy is best for you
Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you’d like.
Congrats
Lock in your rate and policy details
Once you’re confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that’s it!
Bankrate logo The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our 

Savings

Compare rates and save on auto insurance today!

ZIP code
Close X

Best car insurance companies in Arkansas

As we began our search for the best auto insurance in Arkansas, we analyzed dozens of companies' average premiums, which we obtained from Quadrant Information Services. Using the annual average cost of Arkansas car insurance as a baseline — $1,907 for full coverage and $443 for minimum — we narrowed down our list based on carriers that offer low rates without sacrificing customer service or coverage options. Other factors we considered included discount availability, digital tools and customer satisfaction scores from the 2022 J.D. Power Auto Insurance Study. 

To simplify this information, we assigned each company a Bankrate Score. The scores are on a scale from 0.0 to 5.0. The closer to 5.0 a company’s Bankrate Score is, the more highly that company ranked in each of the scoring categories.

If you are looking for the best car insurance in Arkansas, you might want to start by getting quotes from the following companies:

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Central region)
847
/1,000
Average monthly full coverage premium
$126
Average annual full coverage premium
$1,515
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Central region)
879
/1,000
Average monthly full coverage premium
$110
Average annual full coverage premium
$1,319
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central region)
843
/1,000
Average monthly full coverage premium
$104
Average annual full coverage premium
$1,247
Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central region)
821
/1,000
Average monthly full coverage premium
$108
Average annual full coverage premium
$1,295
Farmers
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
828
/1,000
Average monthly full coverage premium
$97
Average annual full coverage premium
$1,158
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Central region)
847
/1,000
Average monthly minimum coverage premium
$27
Average annual minimum coverage premium
$322
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Central region)
879
/1,000
Average monthly minimum coverage premium
$24
Average annual minimum coverage premium
$283
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central region)
843
/1,000
Average monthly minimum coverage premium
$24
Average annual minimum coverage premium
$291
Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central region)
821
/1,000
Average monthly minimum coverage premium
$28
Average annual minimum coverage premium
$335
Farmers
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
828
/1,000
Average monthly minimum coverage premium
$27
Average annual minimum coverage premium
$322
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

*USAA not officially ranked by J.D. Power due to eligibility restrictions

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age
Location-Icon
Lock Secure Your information is secure
SAVE WITH TRUSTED PROVIDERS
+ MORE
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Badge No spam. No fees. No surprises.
Caret Left Back
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Choose from offers in
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best for discounts

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 847/1,000 AM Best: A++

Average annual premium

$ 1,515 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Geico made our list: Geico doesn't have the lowest average rates in Arkansas, but its average rates are below the state average, and policyholders may save on their premiums with Geico's long list of potential discounts. Savings may be available for military service, professional affiliation, students, multi-line policies and more. Additionally, Geico's advanced digital tools may help make virtual policy management easy and convenient. 

Who Geico may be good for: Geico may be a good fit for drivers looking for low average rates, strong digital tools and a robust lineup of potential discounts.

Read full Geico Insurance review

Best for military-focused coverage

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 879/1,000 AM Best: A++

Average annual premium

$ 1,319 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why USAA made our list: Although it is not officially ranked due to eligibility restrictions, USAA holds the highest customer satisfaction score from J.D. Power in the Central region. Coverage from USAA is only available to active-duty and retired military members and their families, but those who qualify for coverage may appreciate the carrier's military-specific discount and coverage options. Savings may be available during deployment and for garaging a vehicle on base. However, USAA does not have many in-person agents available, so it may not be the best carrier if you prefer to conduct your insurance business face-to-face. 

Who USAA may be good for: USAA may be a good fit for eligible drivers who are interested in military-focused coverage.

Read full USAA Insurance review

Best for high-risk drivers

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 843/1,000 AM Best: A++

Average annual premium

$ 1,247 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why State Farm made our list: State Farm offers some of the lowest average rates in Arkansas and may provide car insurance for high-risk drivers who have trouble finding coverage. In fact, State Farm is our 2023 Bankrate Award winner for Best Car Insurance Company for High-Risk Drivers. The company maintains a strong network of insurance agents across the nation and offers a strong selection of discounts and endorsements. However, gap insurance is not available from State Farm. 

Who State Farm may be good for: State Farm may be a good choice for drivers, including high-risk shoppers, who value a well-rounded balance of low rate, coverage options and discounts. 

Read full State Farm Insurance review

Best for policy customization

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 821/1,000 AM Best: A++

Average annual premium

$ 1,295 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Auto-Owners made our list: If you're looking to bundle your home and auto coverage, Auto-Owners may be an appealing choice. In addition to a bundling discount, Auto-Owners may allow you to pay a single deductible if you experience an incident that damages both your home and car. You may be able to easily build a robust policy with the carrier by purchasing their Auto Plus package, which includes several add-ons typically sold independently. Auto-Owners did score below the segment average in J.D. Power's study and has less advanced digital tools than many competitors, so if you value accessibility and customer service, you may want to speak with existing policyholders about their experience. 

Who Auto-Owners may be good for: Auto-Owners may be a good fit for drivers who value extensive policy customization options over digital tools. 

Read full Auto-Owners Insurance review

Best for low average rates

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 828/1,000 AM Best: A

Average annual premium

$ 1,158 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Farmers made our list: Farmers offers some of the lowest average full coverage rates in Arkansas. This may appeal to drivers looking to take advantage of the carrier's unique coverage options without overspending on insurance. Endorsements from Farmers include new car replacement, accident forgiveness, and windshield and glass coverage. Farmers also has some unique discount options, such as a shared family car discount for policyholders who share a vehicle with a young driver. Farmers did come in slightly below the segment average in J.D. Power's study, but it has local agents available if you prefer to conduct business face-to-face. 

Who Farmers may be good for: Farmers may be a good fit for drivers interested in low average rates and unique endorsement and discount options. 

Read full Farmers Insurance review

How Bankrate chose the best car insurance companies in Arkansas

Bankate's insurance editorial team understands that low rates likely aren't the only factor drivers consider when choosing a carrier. That's why we took a holistic approach when choosing the top car insurance carriers in Arkansas. Our Bankrate Scoring model, which scores carriers on a scale of 0.0 to 5.0, takes into account coverage options, discounts, digital tools, customer service, financial strength and more. We hope these Scores will help you narrow down carriers based on the factors that matter most to you.

How much is car insurance in Arkansas?

The average cost of car insurance in Arkansas is $1,907 per year for full coverage and $443 for minimum coverage. This is a little bit lower than the national average annual cost of car insurance, which is $2,014 for full coverage and $622 for minimum coverage. Average rates in Arkansas are similar to the neighboring states of Missouri and Mississippi. Average annual rates in Missouri are $1,943 and $490 for full and minimum coverage, respectively. In Mississippi, the averages are $1,771 for full coverage and $446 for minimum coverage. These similarities are likely due to the relative consistency across these states in terms of population density, weather patterns and cost of living. 

Your own rates may vary from these averages based on your personal rating factors. In Arkansas, these include your age, gender, vehicle type, ZIP code, driving record, credit history and more.

Average annual premium for minimum coverage in Arkansas Average annual premium for full coverage in Arkansas
$443 $1,907

How to find the best car insurance in Arkansas

Having the right coverage types and limits in place may save you from hefty out-of-pocket expenses in the event of an accident. However, the best company and coverage will vary based on your circumstances and insurance preferences. To find the best car insurance company for your unique needs, consider the following strategies. 

Consider minimum insurance requirements in Arkansas

Arkansas car insurance laws require drivers to purchase at least minimum levels of liability coverage, including coverage for bodily injury and property damage. When you purchase car insurance in Arkansas, companies are also legally required to offer you uninsured motorist coverage and personal injury protection (PIP) coverage, although you can decline these in writing.

Buying minimum coverage car insurance often results in the lowest premium. However, if you cause an accident and damage someone’s vehicle or property, or cause injuries, you will be responsible for paying any bills that exceed your insurance limits. Most insurance professionals recommend purchasing higher liability limits if you can afford to.

Consider lender requirements

If you loan or lease your vehicle, your financial institution will likely require you to maintain full coverage on it. This protects the lender's financial interest in your vehicle. You might also consider gap insurance to cover the "gap" between what you own on the vehicle and its value if it is totaled or stolen and nonrecoverable. 

Consider your individual needs

Your car insurance needs will likely change along with your life circumstances. For example, you might shop around for a cheaper carrier after adding a teen driver to your policy or switch to a carrier that offers classic car coverage when you buy an antique vehicle. Reviewing your budget, coverage needs and insurance priorities before comparing quotes may help you narrow down your list of top carriers. 

Frequently asked questions

Written by
Joshua Cox-Steib
Contributor, Personal Finance

Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.

Edited by Editor, Insurance