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Average cost of car insurance in Arkansas in 2023

The annual average cost of car insurance in Arkansas is $1,907 for full coverage and $443 for minimum coverage.

Updated Apr 11, 2023
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How much is car insurance in Arkansas?

The average amount drivers pay for car insurance across the United States is $622 for minimum coverage and $2,014 for full coverage, which means that Arkansas is cheaper on average across the board. The differences in cost can come from several factors that impact rates. Location, including average frequency of auto accidents, local costs of repairs, average car value, your personal driving profile and more can all factor into how much your car insurance might cost.

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

Arkansas car insurance rates by city

Where you live in Arkansas can have an effect on the car insurance premium you pay. Below are some average rates in the most populated cities in the state so you can see how average rates in these locations stack up against the state average premium for full coverage. Rates can vary between cities for several reasons. The local costs of repairs—whether parts and mechanics are widely available for competitive rates—can have a significant impact. How expensive other vehicles in the area are, how frequently auto accidents occur and things like the rates of theft and vandalism can all impact rate differences between locations. Personal factors like the type of vehicle, your age, driving record and more will also contribute to your rates in any location.

Arkansas city Average annual full coverage premium Percentage difference from Arkansas average annual full coverage premium
Fayetteville $1,780 -7%
Fort Smith $1,775 -7%
Jonesboro $1,832 -4%
Little Rock $2,017 +6%
Springdale $1,774 -7%

Average car insurance rates by age and gender in Arkansas

Like other states, one of the most significant factors that influence Arkansas auto insurance rates is a driver's age. Drivers under 25 typically pay the highest rates, with 18-year-olds having the highest average rates by age. As in most states, males face higher average premiums than females. This rate difference is often tied to males having higher rates of auto accidents, traffic violations and claims filing. Still, there are other factors that can drastically change these premiums even if you're an older driver—for example, having a poor driving record or a costly car.

Age Average monthly full coverage premium in Arkansas Average annual full coverage premium in Arkansas
Age 16* $353 $4,233
Age 18 $537 $6,438
Age 20 $412 $4,940
Age 25 $217 $2,597
Age 30 $173 $2,074
Age 40 $162 $1,936
Age 50 $145 $1,741
Age 60 $142 $1,695
Age 70 $155 $1,852

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied.

Age Average monthly full coverage premium in Arkansas Average annual full coverage premium in Arkansas
Age 16* $315 $3,779
Age 18 $432 $5,179
Age 20 $330 $3,950
Age 25 $189 $2,262
Age 30 $165 $1,973
Age 40 $157 $1,877
Age 50 $142 $1,701
Age 60 $138 $1,648
Age 70 $151 $1,811

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied.

Cost considerations for young drivers in Arkansas

Since younger drivers tend to pay the most for car insurance, you may be interested to see how much car insurance costs by age, up until the age of 20, in Arkansas. It’s worth noting that drivers aged 18-20 may see significant savings by staying on their parents’ car insurance if possible, rather than purchasing their own policy (drivers under 18 cannot purchase their own policy).

Age Average annual premium for drivers on their parents' policy in Arkansas Average annual premium for drivers on their own policy in Arkansas
Age 16 $4,006 N/A*
Age 17 $3,749 N/A*
Age 18 $3,501 $5,808
Age 19 $3,124 $4,753
Age 20 $3,008 $4,445

*16- and 17-year-old drivers must be on their parents' or legal guardian’s policy.

How does driving record impact the cost of car insurance in Arkansas?

Car insurance rates in Arkansas, like anywhere, are heavily influenced by your driving record. A speeding ticket, accident or DUI on your record can drive premiums up quickly. Although we've included average rates for a DUI, not all companies will provide coverage to drivers with a DUI on their record. It's important to note that the rates below show the average increase after just a single instance; count on your premiums to rise exponentially if you have multiple offenses within a certain amount of time (often 3-5 years; longer if you have had multiple DUIs).

Below you can see how average rates in Arkansas compare between a clean driving record and one with different violations.

Driving incident Average annual full coverage premium in Arkansas Percentage increase in average annual premium
Clean driving record $1,907 0%
Speeding ticket $2,301 +21%
Accident $2,675 +40%
DUI $3,276 +72%

Car insurance rates in Arkansas by credit score

Arkansas is one of the many states that allow insurers to use credit-based insurance scores as part of their rate calculations. In general, better credit scores contribute to lower premiums, while worse credit scores lead to higher premiums. For example, in Arkansas, a poor credit rating correlates to an average increase of 102 percent in full coverage premiums over the state average—a higher average increase than a DUI conviction. On the other end of that range, having an excellent credit rating in Arkansas is correlated with an average reduction of 16 percent in full coverage premiums.

Credit tier Average annual full coverage premium in Arkansas Percentage difference in average annual premium
Poor $3,849 +102%
Average $2,113 +11%
Good $1,907 0%
Excellent $1,610 -16%

Arkansas car insurance rates by vehicle type

Another significant factor that affects your auto insurance premiums is the make and model of your vehicle. Some cars are more expensive to replace or repair than others, and this factors into how expensive a vehicle is to insure. Generally, the more expensive a vehicle is to buy, the more expensive auto insurance rates are likely to be on it, although this isn’t always the case.

Vehicle Average annual full coverage premium in Arkansas
Toyota Camry $1,907
Ford F-150 $1,658
Honda Odyssey $1,713
BMW 330i $2,560
Toyota Prius $1,966

How to save on car insurance in Arkansas

Average car insurance rates in Arkansas are not a given. Not only will your unique circumstances affect your premium to begin with, but you can also take several steps to help lower your car insurance costs, including:

  • Shop around: Car insurance rates are different from one provider to the next, and getting a cheaper premium may be as simple as switching carriers. Get quotes from several providers in your area to see which company is right for you.
  • Compare discounts: The amount you’ll save with discounts varies from one company to the next. Though two companies may offer the same ways to save, you may save more with one in particular. To determine how much you can save with a carrier, you may want to speak with an agent rather than hunt for available discounts online.
  • Increase deductible: Increasing your deductible means you’ll pay less each month for the same policy. The drawback is that the insurance company will pay out less money towards a claim, so it’s important to choose a deductible amount that suits your comfort level and budget.
  • Increase your credit score: It’s legal in Arkansas for car insurance companies to use your credit information to calculate an insurance score that affects your premium. Studies have shown that drivers with low credit scores are statistically more likely to file a claim than those with strong scores. Therefore, if you increase your credit score, your premium may go down.

Estimate your car insurance cost in Arkansas

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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.

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Written by
Joshua Cox-Steib
Insurance Contributor

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 Insurance Editor