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Best car insurance in Arkansas for 2024

Geico, USAA, State Farm, Auto-Owners and Farmers are among the best car insurance companies in Arkansas.

Updated Feb 12, 2024
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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.

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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 — $2,197 for full coverage and $456 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 2023 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:

Insurance company
Bankrate score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,720
$363
4.3
Rating: 4.3 stars out of 5
$1,775
$390
4.3
Rating: 4.3 stars out of 5
$1,444
$377
4.2
Rating: 4.2 stars out of 5
$1,357
$280
3.8
Rating: 3.8 stars out of 5
$2,061
$481

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$143/mo

Avg. full coverage premium

$1,720/yr

Customer satisfaction

819/1,000

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$148/mo

Avg. full coverage premium

$1,775/yr

Customer satisfaction

833/1,000

Auto-Owners

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$120/mo

Avg. full coverage premium

$1,444/yr

Customer satisfaction

829/1,000

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$113/mo

Avg. full coverage premium

$1,357/yr

Customer satisfaction

854/1,000

Shelter

3.8

Rating: 3.8 stars out of 5

Avg. full coverage premium

$172/mo

Avg. full coverage premium

$2,061/yr

Customer satisfaction

851/1,000

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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.

Bankrate logo

Why you can trust Bankrate

Read our full methodology

To help Arkansas drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

1.2M

quotes analyzed

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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.

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.

Related content:

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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.

How much is car insurance in Arkansas?

The average cost of car insurance in Arkansas is $2,197 per year for full coverage and $456 for minimum coverage. This is a little bit lower than the national average annual cost of car insurance, which is $2,545 for full coverage and $741 for minimum coverage. Average rates in Arkansas are less than the neighboring state of Missouri, but similar to Mississippi. Average annual rates in Missouri are $2,442 and $624 for full and minimum coverage, respectively. In Mississippi, the averages are $2,142 for full coverage and $524 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.

City Avg. annual full coverage premium Avg. savings vs. state average