Average cost of car insurance in Arkansas in 2025

How much is car insurance in Arkansas? 

To calculate what you can expect to pay for car insurance in the Land of Opportunity, Bankrate analyzed premium data sourced from Quadrant Information Services. We determined that the average annual cost of car insurance in Arkansas is $513 for state-mandated minimum coverage and $2,512 for full coverage, which includes optional collision and comprehensive insurance. This is below the national averages of $633 for minimum and $2,329 for full. Car insurance rates have been on the rise across the country, and Arkansas is no exception. If you’re feeling the pinch, our guide may help you identify a cheaper insurer and learn how to lower risk factors.

Key takeaways

• Full coverage car insurance in Arkansas costs an average of $2,512 per year, while minimum coverage averages $513 per year.
• Rates vary by location. For instance, the average cost of full coverage in Little Rock is 8 percent more than the state average, while it’s 9 percent less in Bentonville.
• A DUI conviction in Arkansas leads to an average increase of 59 percent more in full coverage premiums.
• Drivers with excellent credit history pay an average of 13 percent less on full coverage compared to drivers with good credit.

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Arkansas car insurance rates by city

The average car insurance cost in Arkansas varies by city, reflecting how location influences premiums. In the state's most populated cities, these average rates for full coverage can differ from the state's overall average due to several local factors.

Differences in rates between cities often stem from the local cost of repairs, availability of parts and services and the frequency of auto accidents. Factors like vehicle type, age, driving history and even local rates of theft and vandalism also play a role in shaping your individual premium.

Below are average rates in some of the most populated cities in Arkansas so you can see how average rates in these locations stack up against the state average premium for full coverage.

Average car insurance costs by age and gender in Arkansas

Like most 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. Males face higher average premiums than females. This rate difference is tied to males having higher rates of auto accidents, traffic violations and claims filing.

Cost considerations for young drivers in Arkansas

Teen drivers typically cost more to insure than older, experienced drivers. Further, teen drivers are required to remain insured on their parents' car insurance policy until age 18, when they are old enough to sign a contract. However, young drivers can usually save money by remaining on their parents' policy as long as their insurer allows it. This could be until age 25 or as long as you are living under the same roof.

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

Your driving record has a significant influence on your Arkansas car insurance rates. 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 a driver with a DUI on their record. It's important to note that the rates reflected show the average increase after a single DUI conviction; multiple violations will likely increase rates even more and could even place a driver in the high-risk driving category.

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

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 history contributes to lower premiums, while worse credit leads to higher premiums. For example, in Arkansas, poor credit correlates to an average increase of 94 percent more in full coverage premiums compared to 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 amounts to an average of 13 percent less for full coverage premiums.

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 your auto insurance rates are likely to be, although this isn’t always the case. Your vehicle's age, theft rate, safety features and size can all have an impact on your premium.

Estimate your car insurance cost in Arkansas

While it’s true that average car insurance rates can give you a general sense of what you might pay for auto coverage in Arkansas, personalized estimates are often more accurate. Input a few details about yourself below to get a free personalized estimate:

How to save on car insurance in Arkansas

Car insurance rates will continue to increase across the U.S. in 2025. While Arkansas is not on the list of states with the highest expected increases, it’s still a good idea to review your coverage and costs to make sure you’re not paying more than you need to. The following strategies may help you keep your car insurance premiums in check:

• 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 your deductible: Increasing your deductible means you’ll pay a lower premium, but you'll have a higher out-of-pocket cost if you need to file a claim.
• 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.

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