Best car insurance in Arkansas for 2021

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When shopping for car insurance, where you live matters because car insurance companies examine risk factors such as traffic conditions and the number of crashes resulting in fatalities and more. Arkansas residents will receive a mixed bag of results.

It’s important to do your homework when searching for the best car insurance companies in Arkansas so you can find the options that meet your needs. To make the process easier for you, we looked into the best car insurance in Arkansas to bring you the top five picks for your money.

Best car insurance companies in Arkansas

To find the best Arkansas insurance providers, we researched auto insurance providers’ reputation with J.D. Power, which compiles studies finding the best auto insurance companies based on region and used our own industry knowledge to determine which ones have the best coverage and features.

Provider Average annual full coverage premium J.D. Power customer satisfaction score
Allstate $2,446 832/1000
Auto-Owners $2,109 868/1000
Geico $2,222 855/1000
State Farm $1,268 849/1000
USAA $1,179 905/1000

Allstate

Allstate’s variety of coverages can be bundled with homeowners insurance or renters insurance for maximum savings. Allstate’s adoption of technology makes it one of the best Arkansas insurance companies for customers comfortable with tech. You can manage your policies, file claims and learn more about insurance through the Allstate website or mobile app.

Auto Owners

Auto Owners Insurance provides car insurance Arkansas options many other companies don’t, such as gap coverage. If you finance your car and it’s declared as a total loss after a wreck and worth less than what you still owe on it, gap coverage will reimburse you the difference.

Geico

If you’re in search of affordable Arkansas car insurance, be sure to get a quote from Geico. The company offers generous discounts, such as 25% off your premiums for an accident-free history and 15% off for new vehicle coverage.

State Farm

With above-average customer satisfaction scores, State Farm also offers affordable rates with excellent mobile tools to help you manage your policy. In addition to standard liability coverage, State Farm also offers emergency roadside assistance and rental car coverage. Discounts are many, so check out what kind of savings may apply to your car insurance policy.

USAA

USAA is regularly the highest-rated auto insurance Arkansas insurer. Customers appreciate the level of service delivered for the affordable cost. Unfortunately, USAA isn’t available to everyone. You’ll need to become a member. To qualify, you must be active or retired military or an immediate family member of someone in the military

Average cost of car insurance in Arkansas

The average cost of car insurance in Arkansas is $458 per year for minimum liability insurance. Compared to the rest of the states in the report, Arkansas falls in the middle for auto insurance prices. The average cost of car insurance in the U.S. is $1,738 for a full coverage policy.

Average annual premium for minimum coverage in Arkansas Average annual premium for full coverage in Arkansas
$452 $1,912

How to get the best car insurance

There are many car insurance companies that offer coverage in Arkansas, but not all of them will be the best bet for your Arkansas car insurance policy. These are some things to consider before you choose a provider:

  • Evaluate your needs: A good rule of thumb is to compare several car insurance Arkansas providers. Along with the price, see who offers you the most protection for the best price—this can include added features such as gap insurance and roadside assistance. Consider factors like your driving history. If you’ve had accidents, some providers might have more favorable policies. If you have teenagers, you might want to pick a provider that has a safe driving program for teens.
  • Consider state factors: Arkansas drivers must carry insurance that includes bodily injury of up to $50,000 per accident and $25,000 per person with property damage liability of $25,000 per accident. This protects you in the event an accident causes damage to another person’s property such as their automobile. Consider the weather where you are to decide if you need comprehensive coverage.

Car insurance discounts in Arkansas

Even with the cheapest car insurance in Arkansas, there are still ways to save money on your insurance premium with auto insurance discounts such as these.

Discount Allstate Auto-Owners Geico State Farm USAA
Anti-lock brakes X X X
Anti-theft devices X X X
Automatic payment/paperless billing X X
Defensive driving course X X X
Early signing X X X
Full payment X X
Good student X X X X X
Green vehicle X
Loyalty X X
Low annual mileage X X X
Military X X
Multiple policies X X X X X
Multiple vehicles X X X X
Occupational or organizations X
Safe driver/accident free X X X X X
Safety features X X X

Frequently asked questions

What information is required to get car insurance in Arkansas?

You’ll need basic information such as your name, address, Social Security number and birth date. Additionally, you’ll need to supply vehicle details such as how many miles you drive, the purpose for driving and whether you’ve been involved in any accidents or have had violations such as speeding tickets or DUIs.

Should I get minimum coverage only?

Minimum coverage is an inexpensive way to have the protection needed. However, you might be liable for the remaining balance for accidents that exceed your coverage limit

How do I determine which provider is right for me?

Along with costs, consider the reputation of the provider. What are customer reviews of the company like? How long does it take to process claims? All of these indicators illustrate whether the company provides the level of service you deserve.

What do the best car insurance in Arkansas have in common?

When comparison shopping, the best car insurance in Arkansas companies all have good customer reviews from the Better Business Bureau and other independent review websites. In addition, they provide a variety of discounts so that everyone can save money on their premiums.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.