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Average cost of car insurance in Arkansas in 2024
The annual average cost of car insurance in Arkansas is $2,080 for full coverage and $437 for minimum coverage.
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How much is car insurance in Arkansas?
When exploring how much car insurance in Arkansas might cost, it's noteworthy that the state's rates generally sit below the national average. Nationally, the average annual cost of car insurance is $644 for minimum coverage and $2,314 for full coverage. In Arkansas, drivers typically pay around $437 for minimum coverage and approximately $2,080 for full coverage, although these rates are subject to individual circumstances and state-specific risks like tornadoes.
While these averages offer a baseline, Arkansas car insurance rates can differ based on personal factors such as driving history, vehicle type and selected coverage options. It's important to consider these variables to understand how your rates may compare to these averages.
Key takeaways
- Full coverage car insurance in Arkansas costs an average of $2,080 per year, while minimum coverage averages $437 per year.
- Rates vary by location. For instance, the average cost of full coverage in Little Rock is 8 percent more the state average while it’s 9 percent less in Bentonville.
- A DUI conviction in Arkansas leads to an average increase of 62 percent more in full coverage premiums.
- Drivers with excellent credit history pay an average of 11 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.
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But these other cities in the state may give you some insight.
| City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|---|
| Combs | $165 | $1,985 | -5% |
| Springdale | $162 | $1,938 | -7% |
| Russellville | $163 | $1,958 | -6% |
| Altus | $165 | $1,975 | -5% |
| Briggsville | $172 | $2,067 | -1% |
| Hector | $166 | $1,988 | -5% |
| Oark | $166 | $1,995 | -4% |
| Pottsville | $163 | $1,955 | -6% |
| Scranton | $163 | $1,954 | -6% |
| Drasco | $174 | $2,091 | +0% |
| Franklin | $175 | $2,101 | +1% |
| Glencoe | $173 | $2,079 | -0% |
| Heber Springs | $171 | $2,056 | -1% |
| Oxford | $178 | $2,131 | +2% |
| Alpena | $163 | $1,959 | -6% |
| Gassville | $163 | $1,953 | -6% |
| Norfork | $167 | $1,998 | -4% |
| Peel | $165 | $1,978 | -5% |
| Pyatt | $164 | $1,972 | -5% |
| Greenland | $161 | $1,934 | -7% |
| Huntsville | $167 | $1,998 | -4% |
| Maysville | $159 | $1,910 | -9% |
| Rogers | $160 | $1,920 | -8% |
| Hagarville | $164 | $1,968 | -6% |
| London | $164 | $1,965 | -6% |
| Fort Smith | $164 | $1,970 | -5% |
| Lake Village | $191 | $2,290 | +10% |
| Montrose | $194 | $2,324 | +11% |
| Camden | $180 | $2,156 | +4% |
| Harrell | $185 | $2,224 | +7% |
| Sparkman | $181 | $2,166 | +4% |
| Sherrill | $190 | $2,275 | +9% |
| Benton | $177 | $2,128 | +2% |
| North Little Rock | $181 | $2,178 | +5% |
| Little Rock | $187 | $2,244 | +8% |
| Helena | $198 | $2,377 | +13% |
| Pine Bluff | $197 | $2,367 | +13% |
| White Hall | $193 | $2,317 | +11% |
| Monticello | $190 | $2,277 | +9% |
| Rison | $190 | $2,282 | +9% |
| Carthage | $185 | $2,220 | +6% |
| Magnolia | $185 | $2,225 | +7% |
| Sulphur Springs | $156 | $1,874 | -10% |
| Dumas | $193 | $2,312 | +11% |
| Hermitage | $192 | $2,305 | +10% |
| Star City | $194 | $2,334 | +11% |
| Hampton | $186 | $2,228 | +7% |
| Huttig | $191 | $2,296 | +10% |
| Mount Holly | $185 | $2,215 | +6% |
| Alleene | $181 | $2,173 | +4% |
| Gravette | $159 | $1,914 | -8% |
| Evening Shade | $177 | $2,124 | +2% |
| Newark | $176 | $2,118 | +2% |
| Hasty | $166 | $1,988 | -5% |
| Jasper | $166 | $1,995 | -4% |
| Mount Judea | $167 | $2,000 | -4% |
| Oak Grove | $163 | $1,952 | -6% |
| Saint Joe | $166 | $1,987 | -5% |
| Cleveland | $168 | $2,021 | -3% |
| Clinton | $170 | $2,040 | -2% |
| Damascus | $169 | $2,025 | -3% |
| Garner | $174 | $2,085 | +0% |
| Holly Grove | $183 | $2,201 | +6% |
| Humnoke | $177 | $2,126 | +2% |
| Jacksonville | $176 | $2,109 | +1% |
| Jones Mill | $176 | $2,117 | +2% |
| Morrilton | $165 | $1,979 | -5% |
| Pangburn | $171 | $2,051 | -1% |
| Roland | $176 | $2,115 | +2% |
| Bella Vista | $157 | $1,881 | -10% |
| Decatur | $159 | $1,912 | -8% |
| Kingston | $166 | $1,993 | -4% |
| Wesley | $168 | $2,016 | -3% |
| Cherokee Village | $176 | $2,113 | +2% |
| Fifty Six | $177 | $2,119 | +2% |
| Ida | $171 | $2,055 | -1% |
| Oil Trough | $173 | $2,082 | +0% |
| Sage | $175 | $2,095 | +1% |
| Tichnor | $179 | $2,143 | +3% |
| Joiner | $184 | $2,203 | +6% |
| Mountain View | $174 | $2,091 | +0% |
| Sulphur Rock | $175 | $2,101 | +1% |
| Harrison | $161 | $1,938 | -7% |
| Deer | $167 | $2,000 | -4% |
| Dennard | $172 | $2,059 | -1% |
| Oakland | $163 | $1,961 | -6% |
| Vendor | $166 | $1,996 | -4% |
| Fayetteville | $163 | $1,954 | -6% |
| Osceola | $181 | $2,175 | +4% |
| Palestine | $182 | $2,187 | +5% |
| Caraway | $168 | $2,012 | -3% |
| Hoxie | $169 | $2,034 | -2% |
| Maynard | $170 | $2,040 | -2% |
| O Kean | $169 | $2,033 | -2% |
| Paragould | $171 | $2,046 | -2% |
| Ravenden | $171 | $2,052 | -1% |
| Swifton | $172 | $2,066 | -1% |
| Warm Springs | $169 | $2,031 | -2% |
| Batesville | $174 | $2,092 | +1% |
| Bexar | $175 | $2,099 | +1% |
| Concord | $174 | $2,082 | +0% |
| Gillett | $177 | $2,126 | +2% |
| Letona | $171 | $2,049 | -2% |
| Lonsdale | $177 | $2,127 | +2% |
| Mc Rae | $172 | $2,064 | -1% |
| Plumerville | $165 | $1,979 | -5% |
| Russell | $171 | $2,055 | -1% |
| Floral | $176 | $2,110 | +1% |
| Guion | $176 | $2,115 | +2% |
| Big Flat | $167 | $2,000 | -4% |
| Bull Shoals | $162 | $1,949 | -7% |
| Parthenon | $166 | $1,994 | -4% |
| Timbo | $174 | $2,083 | +0% |
| Witts Springs | $168 | $2,012 | -3% |
| Searcy | $171 | $2,057 | -1% |
| Vilonia | $171 | $2,047 | -2% |
| West Memphis | $192 | $2,306 | +10% |
| Dyess | $181 | $2,172 | +4% |
| Elaine | $196 | $2,356 | +12% |
| Scotland | $171 | $2,049 | -2% |
| Thida | $176 | $2,112 | +1% |
| Wright | $185 | $2,216 | +6% |
| Armorel | $181 | $2,177 | +5% |
| Marked Tree | $174 | $2,090 | +0% |
| Poplar Grove | $192 | $2,300 | +10% |
| Jonesboro | $170 | $2,041 | -2% |
| Bay | $169 | $2,024 | -3% |
| Corning | $171 | $2,048 | -2% |
| Imboden | $170 | $2,044 | -2% |
| Marmaduke | $176 | $2,113 | +2% |
| Sedgwick | $167 | $2,010 | -3% |
| Smithville | $173 | $2,081 | +0% |
| Des Arc | $177 | $2,126 | +2% |
| Greenbrier | $172 | $2,060 | -1% |
| Hickory Plains | $177 | $2,120 | +2% |
| Houston | $168 | $2,011 | -3% |
| Judsonia | $170 | $2,040 | -2% |
| Perry | $171 | $2,050 | -1% |
| Scott | $182 | $2,187 | +5% |
| Wabbaseka | $187 | $2,246 | +8% |
| Ward | $176 | $2,113 | +2% |
| Wilburn | $172 | $2,067 | -1% |
| Edgemont | $171 | $2,051 | -1% |
| Hattieville | $166 | $1,993 | -4% |
| Hensley | $183 | $2,199 | +6% |
| Humphrey | $178 | $2,139 | +3% |
| Jacksonport | $172 | $2,059 | -1% |
| Jerusalem | $167 | $1,999 | -4% |
| Poyen | $181 | $2,173 | +4% |
| Quitman | $172 | $2,062 | -1% |
| Barling | $161 | $1,934 | -7% |
| Boles | $168 | $2,015 | -3% |
| Natural Dam | $168 | $2,019 | -3% |
| Centerton | $158 | $1,897 | -9% |
| Gateway | $160 | $1,916 | -8% |
| Hiwasse | $158 | $1,899 | -9% |
| Saint Paul | $168 | $2,017 | -3% |
| Knoxville | $163 | $1,961 | -6% |
| Paris | $162 | $1,944 | -7% |
| Plainview | $171 | $2,052 | -1% |
| Gepp | $172 | $2,067 | -1% |
| Pineville | $178 | $2,132 | +2% |
| Chester | $166 | $1,993 | -4% |
| Mulberry | $166 | $1,996 | -4% |
| Winslow | $163 | $1,959 | -6% |
| Evansville | $162 | $1,949 | -7% |
| Garfield | $161 | $1,935 | -7% |
| Goshen | $160 | $1,926 | -8% |
| Witter | $168 | $2,019 | -3% |
| Atkins | $170 | $2,037 | -2% |
| Belleville | $167 | $2,001 | -4% |
| Danville | $167 | $2,007 | -4% |
| Dover | $164 | $1,962 | -6% |
| Havana | $166 | $1,997 | -4% |
| Pelsor | $167 | $2,002 | -4% |
| Subiaco | $162 | $1,947 | -7% |
| Cecil | $165 | $1,977 | -5% |
| Cedarville | $166 | $1,994 | -4% |
| Huntington | $161 | $1,927 | -8% |
| Ratcliff | $162 | $1,945 | -7% |
| Greenwood | $159 | $1,912 | -8% |
| Magazine | $162 | $1,945 | -7% |
| Midland | $162 | $1,946 | -7% |
| Van Buren | $168 | $2,011 | -3% |
| Cabot | $176 | $2,117 | +2% |
| Casscoe | $175 | $2,094 | +1% |
| Conway | $168 | $2,014 | -3% |
| Kensett | $173 | $2,076 | -0% |
| Lonoke | $175 | $2,099 | +1% |
| Mount Vernon | $168 | $2,020 | -3% |
| Marcella | $175 | $2,104 | +1% |
| Rosie | $176 | $2,108 | +1% |
| Salem | $175 | $2,102 | +1% |
| Pindall | $166 | $1,988 | -5% |
| Cherry Valley | $178 | $2,133 | +2% |
| Clarkedale | $187 | $2,244 | +8% |
| Forrest City | $183 | $2,198 | +5% |
| Marianna | $192 | $2,305 | +10% |
| Bassett | $183 | $2,193 | +5% |
| Earle | $186 | $2,235 | +7% |
| Portland | $195 | $2,341 | +12% |
| Tillar | $193 | $2,316 | +11% |
| Yorktown | $194 | $2,326 | +11% |
| Bearden | $185 | $2,221 | +7% |
| Springfield | $168 | $2,015 | -3% |
| Stuttgart | $175 | $2,104 | +1% |
| Aubrey | $190 | $2,277 | +9% |
| Burdette | $181 | $2,171 | +4% |
| Colt | $180 | $2,165 | +4% |
| Edmondson | $188 | $2,253 | +8% |
| Frenchmans Bayou | $183 | $2,197 | +5% |
| Goodwin | $184 | $2,211 | +6% |
| Haynes | $192 | $2,309 | +10% |
| Hickory Ridge | $174 | $2,092 | +1% |
| Marion | $192 | $2,301 | +10% |
| Mellwood | $197 | $2,370 | +13% |
| West Point | $169 | $2,032 | -2% |
| Woodson | $182 | $2,178 | +5% |
| Mc Crory | $176 | $2,106 | +1% |
| Brickeys | $190 | $2,286 | +9% |
| Caldwell | $179 | $2,147 | +3% |
| Lawson | $183 | $2,202 | +6% |
| Thornton | $185 | $2,215 | +6% |
| Waldo | $184 | $2,212 | +6% |
| Desha | $175 | $2,102 | +1% |
| Dolph | $176 | $2,115 | +2% |
| Elizabeth | $171 | $2,047 | -2% |
| Gamaliel | $166 | $1,989 | -4% |
| Sturkie | $173 | $2,080 | -0% |
| Flippin | $163 | $1,954 | -6% |
| Harriet | $168 | $2,015 | -3% |
| Lakeview | $162 | $1,946 | -7% |
| Leslie | $172 | $2,066 | -1% |
| Midway | $163 | $1,955 | -6% |
| Summit | $163 | $1,956 | -6% |
| Oneida | $196 | $2,346 | +12% |
| Vanndale | $177 | $2,120 | +2% |
| Harrisburg | $177 | $2,121 | +2% |
| Lafe | $170 | $2,042 | -2% |
| Monette | $167 | $2,000 | -4% |
| Walcott | $171 | $2,047 | -2% |
| Keiser | $183 | $2,192 | +5% |
| Lexa | $194 | $2,330 | +11% |
| Luxora | $182 | $2,183 | +5% |
| Moro | $188 | $2,253 | +8% |
| Beech Grove | $173 | $2,073 | -0% |
| Brookland | $171 | $2,052 | -1% |
| Strawberry | $173 | $2,077 | -0% |
| Walnut Ridge | $168 | $2,010 | -3% |
| Brockwell | $177 | $2,119 | +2% |
| Mammoth Spring | $175 | $2,104 | +1% |
| Melbourne | $177 | $2,120 | +2% |
| Wideman | $177 | $2,120 | +2% |
| Clarkridge | $166 | $1,994 | -4% |
| Compton | $165 | $1,981 | -5% |
| Eureka Springs | $162 | $1,947 | -7% |
| Green Forest | $163 | $1,955 | -6% |
| Tilly | $167 | $2,005 | -4% |
| Pollard | $169 | $2,027 | -3% |
| Tuckerman | $172 | $2,066 | -1% |
| Williford | $177 | $2,121 | +2% |
| Ash Flat | $176 | $2,106 | +1% |
| Crossett | $195 | $2,336 | +12% |
| Kingsland | $188 | $2,258 | +8% |
| Warren | $188 | $2,258 | +8% |
| Wilmar | $189 | $2,273 | +9% |
| Calion | $184 | $2,208 | +6% |
| Whelen Springs | $177 | $2,122 | +2% |
| Hope | $184 | $2,209 | +6% |
| Snow Lake | $193 | $2,319 | +11% |
| Turner | $195 | $2,335 | +12% |
| West Ridge | $184 | $2,205 | +6% |
| Wynne | $175 | $2,099 | +1% |
| Black Oak | $167 | $2,010 | -3% |
| Cash | $170 | $2,044 | -2% |
| Lake City | $167 | $2,003 | -4% |
| Saint Francis | $168 | $2,017 | -3% |
| Weiner | $175 | $2,103 | +1% |
| Calico Rock | $176 | $2,114 | +2% |
| Etowah | $182 | $2,179 | +5% |
| Mc Dougal | $170 | $2,035 | -2% |
| Piggott | $166 | $1,997 | -4% |
| Ravenden Springs | $170 | $2,037 | -2% |
| Waldenburg | $178 | $2,138 | +3% |
| Delaplaine | $172 | $2,069 | -1% |
| Dell | $176 | $2,115 | +2% |
| Grubbs | $172 | $2,062 | -1% |
| Portia | $170 | $2,036 | -2% |
| Ivan | $188 | $2,258 | +8% |
| Louann | $186 | $2,227 | +7% |
| Strong | $188 | $2,251 | +8% |
| Grady | $194 | $2,332 | +11% |
| Winchester | $191 | $2,293 | +10% |
| Chidester | $180 | $2,158 | +4% |
| El Dorado | $187 | $2,245 | +8% |
| Tyronza | $179 | $2,146 | +3% |
| Alicia | $170 | $2,040 | -2% |
| Mansfield | $164 | $1,973 | -5% |
| Stephens | $182 | $2,188 | +5% |
| Bigelow | $168 | $2,020 | -3% |
| Biscoe | $176 | $2,107 | +1% |
| Bluffton | $171 | $2,056 | -1% |
| Dardanelle | $165 | $1,981 | -5% |
| Hartman | $164 | $1,964 | -6% |
| Harvey | $169 | $2,027 | -3% |
| Ozone | $164 | $1,966 | -6% |
| Bentonville | $158 | $1,898 | -9% |
| Morrow | $163 | $1,952 | -6% |
| Pettigrew | $166 | $1,988 | -5% |
| Siloam Springs | $157 | $1,887 | -10% |
| Ola | $169 | $2,026 | -3% |
| Gentry | $158 | $1,900 | -9% |
| Lincoln | $163 | $1,950 | -6% |
| Mount Pleasant | $176 | $2,107 | +1% |
| Sidney | $177 | $2,124 | +2% |
| Tumbling Shoals | $171 | $2,057 | -1% |
| Bergman | $161 | $1,938 | -7% |
| Lead Hill | $164 | $1,962 | -6% |
| Mountain Home | $164 | $1,964 | -6% |
| Omaha | $162 | $1,946 | -7% |
| Valley Springs | $164 | $1,969 | -6% |
| Blytheville | $181 | $2,173 | +4% |
| Lepanto | $173 | $2,080 | -0% |
| Marvell | $196 | $2,350 | +12% |
| Parks | $169 | $2,028 | -3% |
| Booneville | $163 | $1,956 | -6% |
| Branch | $163 | $1,957 | -6% |
| Lavaca | $160 | $1,916 | -8% |
| Waldron | $166 | $1,992 | -4% |
| Cave Springs | $158 | $1,897 | -9% |
| Summers | $160 | $1,923 | -8% |
| Alix | $162 | $1,949 | -7% |
| Delaware | $162 | $1,938 | -7% |
| Gravelly | $171 | $2,046 | -2% |
| New Blaine | $165 | $1,975 | -5% |
| Mc Gehee | $194 | $2,322 | +11% |
| Mc Neil | $185 | $2,216 | +6% |
| Glenwood | $182 | $2,181 | +5% |
| Okolona | $177 | $2,121 | +2% |
| Rivervale | $175 | $2,095 | +1% |
| Widener | $183 | $2,196 | +5% |
| Black Rock | $169 | $2,026 | -3% |
| Datto | $173 | $2,074 | -0% |
| Lynn | $173 | $2,082 | +0% |
| Manila | $179 | $2,146 | +3% |
| Success | $173 | $2,072 | -0% |
| Trumann | $174 | $2,084 | +0% |
| Camp | $173 | $2,078 | -0% |
| Hamburg | $195 | $2,343 | +12% |
| New Edinburg | $188 | $2,262 | +8% |
| Pickens | $193 | $2,314 | +11% |
| Beirne | $176 | $2,116 | +2% |
| Coal Hill | $161 | $1,934 | -7% |
| Rover | $172 | $2,070 | -1% |
| Parkin | $178 | $2,131 | +2% |
| Wilson | $183 | $2,197 | +5% |
| Bono | $170 | $2,043 | -2% |
| Knobel | $172 | $2,061 | -1% |
| Leachville | $175 | $2,099 | +1% |
| Columbus | $183 | $2,193 | +5% |
| Doddridge | $184 | $2,202 | +6% |
| Prescott | $179 | $2,143 | +3% |
| Hot Springs National Park | $177 | $2,129 | +2% |
| Caddo Gap | $179 | $2,146 | +3% |
| Grannis | $176 | $2,114 | +2% |
| Pencil Bluff | $175 | $2,106 | +1% |
| Oden | $176 | $2,114 | +2% |
| El Paso | $171 | $2,052 | -1% |
| Ethel | $177 | $2,119 | +2% |
| Grapevine | $183 | $2,197 | +5% |
| Higginson | $171 | $2,056 | -1% |
| Jefferson | $185 | $2,215 | +6% |
| Sherwood | $176 | $2,115 | +2% |
| Blevins | $182 | $2,181 | +5% |
| Cale | $182 | $2,187 | +5% |
| De Queen | $183 | $2,199 | +6% |
| Garland City | $185 | $2,214 | +6% |
| Ozan | $182 | $2,184 | +5% |
| Taylor | $187 | $2,250 | +8% |
| Board Camp | $174 | $2,087 | +0% |
| Murfreesboro | $179 | $2,148 | +3% |
| Arkadelphia | $175 | $2,097 | +1% |
| Adona | $167 | $2,006 | -4% |
| Beedeville | $171 | $2,055 | -1% |
| Clarksville | $162 | $1,944 | -7% |
| Hackett | $160 | $1,922 | -8% |
| Hartford | $161 | $1,934 | -7% |
| Mountainburg | $166 | $1,990 | -4% |
| Ozark | $164 | $1,965 | -6% |
| Foreman | $182 | $2,179 | +5% |
| Lockesburg | $182 | $2,180 | +5% |
| Saratoga | $181 | $2,168 | +4% |
| Bonnerdale | $175 | $2,102 | +1% |
| Jessieville | $177 | $2,129 | +2% |
| Langley | $182 | $2,182 | +5% |
| Pearcy | $176 | $2,109 | +1% |
| Proctor | $185 | $2,220 | +6% |
| Wheatley | $182 | $2,185 | +5% |
| Fisher | $178 | $2,137 | +3% |
| Greenway | $167 | $2,007 | -4% |
| Peach Orchard | $171 | $2,050 | -1% |
| Powhatan | $171 | $2,047 | -2% |
| Rector | $169 | $2,028 | -3% |
| Cord | $177 | $2,121 | +2% |
| Cushman | $174 | $2,093 | +1% |
| Clarendon | $180 | $2,155 | +4% |
| Guy | $169 | $2,029 | -2% |
| Little Rock Air Force Base | $176 | $2,115 | +2% |
| Perryville | $169 | $2,026 | -3% |
| Cotton Plant | $177 | $2,124 | +2% |
| Bryant | $179 | $2,150 | +3% |
| Newport | $172 | $2,061 | -1% |
| Paron | $174 | $2,084 | +0% |
| Redfield | $186 | $2,233 | +7% |
| Reydell | $186 | $2,230 | +7% |
| Stamps | $186 | $2,226 | +7% |
| Hot Springs Village | $174 | $2,083 | +0% |
| Amity | $177 | $2,130 | +2% |
| Antoine | $180 | $2,159 | +4% |
| Friendship | $177 | $2,118 | +2% |
| Alma | $166 | $1,994 | -4% |
| Charleston | $163 | $1,951 | -6% |
| Rudy | $166 | $1,995 | -4% |
| Uniontown | $167 | $2,000 | -4% |
| Arkansas City | $194 | $2,327 | +11% |
| Bluff City | $181 | $2,171 | +4% |
| Curtis | $176 | $2,112 | +1% |
| Emerson | $187 | $2,245 | +8% |
| Junction City | $186 | $2,229 | +7% |
| Norphlet | $184 | $2,213 | +6% |
| Cave City | $176 | $2,112 | +2% |
| Charlotte | $177 | $2,121 | +2% |
| Crawfordsville | $188 | $2,251 | +8% |
| De Valls Bluff | $176 | $2,107 | +1% |
| Griffithville | $173 | $2,074 | -0% |
| Hazen | $175 | $2,101 | +1% |
| Higden | $171 | $2,054 | -1% |
| Hunter | $177 | $2,124 | +2% |
| Keo | $177 | $2,126 | +2% |
| Prim | $173 | $2,080 | -0% |
| Roe | $177 | $2,120 | +2% |
| Romance | $170 | $2,045 | -2% |
| Poughkeepsie | $178 | $2,132 | +2% |
| Saffell | $174 | $2,085 | +0% |
| Wiseman | $176 | $2,106 | +1% |
| Ponca | $167 | $2,006 | -4% |
| Western Grove | $164 | $1,971 | -5% |
| Yellville | $163 | $1,960 | -6% |
| Sweet Home | $187 | $2,248 | +8% |
| Barton | $195 | $2,345 | +12% |
| Driver | $185 | $2,223 | +7% |
| Gilmore | $186 | $2,230 | +7% |
| Hughes | $186 | $2,233 | +7% |
| Hardy | $175 | $2,102 | +1% |
| Locust Grove | $176 | $2,112 | +1% |
| Pleasant Plains | $175 | $2,099 | +1% |
| Gilbert | $163 | $1,956 | -6% |
| Marble Falls | $165 | $1,977 | -5% |
| Onia | $174 | $2,092 | +1% |
| Sheridan | $182 | $2,182 | +5% |
| Shirley | $169 | $2,031 | -2% |
| Traskwood | $178 | $2,137 | +3% |
| Tucker | $185 | $2,218 | +6% |
| Wooster | $169 | $2,025 | -3% |
| Henderson | $166 | $1,988 | -5% |
| Pleasant Grove | $175 | $2,102 | +1% |
| Viola | $174 | $2,089 | +0% |
| Violet Hill | $175 | $2,104 | +1% |
| Berryville | $162 | $1,944 | -7% |
| Cotter | $163 | $1,954 | -6% |
| Everton | $163 | $1,959 | -6% |
| Marshall | $169 | $2,023 | -3% |
| Bradley | $190 | $2,278 | +9% |
| Fulton | $182 | $2,189 | +5% |
| Mc Caskill | $181 | $2,170 | +4% |
| Bismarck | $176 | $2,108 | +1% |
| Story | $178 | $2,133 | +3% |
| Austin | $176 | $2,116 | +2% |
| Bald Knob | $172 | $2,063 | -1% |
| Canehill | $163 | $1,957 | -6% |
| Elkins | $167 | $1,999 | -4% |
| Farmington | $163 | $1,952 | -6% |
| Hindsville | $166 | $1,988 | -5% |
| Lowell | $158 | $1,899 | -9% |
| Pea Ridge | $160 | $1,916 | -8% |
| Prairie Grove | $160 | $1,915 | -8% |
| West Fork | $163 | $1,958 | -6% |
| Lamar | $164 | $1,970 | -5% |
| Alpine | $176 | $2,107 | +1% |
| Umpire | $180 | $2,165 | +4% |
| Horatio | $182 | $2,180 | +5% |
| Rosston | $181 | $2,169 | +4% |
| Hatfield | $174 | $2,088 | +0% |
| Alexander | $177 | $2,120 | +2% |
| Ashdown | $180 | $2,159 | +4% |
| Ben Lomond | $183 | $2,196 | +5% |
| Nashville | $180 | $2,159 | +4% |
| Mena | $173 | $2,071 | -0% |
| Sims | $177 | $2,125 | +2% |
| Vandervoort | $175 | $2,103 | +1% |
| Augusta | $174 | $2,083 | +0% |
| Dierks | $181 | $2,169 | +4% |
| Fouke | $185 | $2,216 | +6% |
| Kirby | $180 | $2,161 | +4% |
| Mountain Pine | $177 | $2,126 | +2% |
| Royal | $178 | $2,133 | +2% |
| Bradford | $170 | $2,046 | -2% |
| Lewisville | $187 | $2,242 | +7% |
| Donaldson | $177 | $2,121 | +2% |
| Newhope | $181 | $2,167 | +4% |
| Norman | $178 | $2,136 | +3% |
| Amagon | $174 | $2,087 | +0% |
| Banks | $188 | $2,260 | +8% |
| Eudora | $192 | $2,299 | +10% |
| Turrell | $186 | $2,231 | +7% |
| West Helena | $201 | $2,412 | +15% |
| Minturn | $171 | $2,051 | -1% |
| Pocahontas | $169 | $2,028 | -3% |
| Reyno | $170 | $2,043 | -2% |
| State University | $174 | $2,088 | +0% |
| Horseshoe Bend | $174 | $2,092 | +1% |
| Buckner | $183 | $2,196 | +5% |
| Emmet | $180 | $2,155 | +4% |
| Gillham | $181 | $2,178 | +5% |
| Washington | $183 | $2,192 | +5% |
| Willisville | $181 | $2,177 | +5% |
| Winthrop | $179 | $2,151 | +3% |
| Delight | $180 | $2,166 | +4% |
| Almyra | $174 | $2,086 | +0% |
| Altheimer | $189 | $2,264 | +8% |
| Beebe | $173 | $2,078 | -0% |
| Bee Branch | $170 | $2,046 | -2% |
| Brinkley | $177 | $2,127 | +2% |
| Center Ridge | $166 | $1,996 | -4% |
| Leola | $181 | $2,170 | +4% |
| Menifee | $167 | $2,001 | -4% |
| Maumelle | $175 | $2,099 | +1% |
| Patterson | $175 | $2,098 | +1% |
| Rose Bud | $168 | $2,015 | -3% |
| Saint Charles | $176 | $2,114 | +2% |
| Carlisle | $175 | $2,104 | +1% |
| Casa | $168 | $2,011 | -3% |
| Coy | $179 | $2,144 | +3% |
| De Witt | $174 | $2,091 | +1% |
| England | $183 | $2,191 | +5% |
| Fox | $174 | $2,085 | +0% |
| Fairfield Bay | $170 | $2,034 | -2% |
| Mayflower | $170 | $2,035 | -2% |
| Dermott | $191 | $2,291 | +10% |
| Fountain Hill | $193 | $2,317 | +11% |
| Gould | $188 | $2,254 | +8% |
| Parkdale | $194 | $2,330 | +11% |
| Rohwer | $193 | $2,315 | +11% |
| Wilmot | $195 | $2,334 | +11% |
| Fordyce | $185 | $2,225 | +7% |
| Gurdon | $176 | $2,113 | +2% |
| Moscow | $195 | $2,342 | +12% |
| Solgohachia | $165 | $1,985 | -5% |
| Tupelo | $173 | $2,081 | +0% |
| Ulm | $176 | $2,117 | +2% |
| Wrightsville | $185 | $2,224 | +7% |
| Crumrod | $200 | $2,399 | +14% |
| Heth | $184 | $2,210 | +6% |
| La Grange | $192 | $2,306 | +10% |
| Lambrook | $190 | $2,277 | +9% |
| Crocketts Bluff | $174 | $2,094 | +1% |
| Enola | $170 | $2,041 | -2% |
| Gregory | $172 | $2,064 | -1% |
| Mabelvale | $189 | $2,273 | +9% |
| Malvern | $176 | $2,110 | +1% |
| Prattsville | $182 | $2,182 | +5% |
| Genoa | $184 | $2,210 | +6% |
| Mineral Springs | $179 | $2,150 | +3% |
| Ogden | $180 | $2,155 | +3% |
| Texarkana | $188 | $2,258 | +8% |
| Wilton | $178 | $2,140 | +3% |
| Cove | $176 | $2,110 | +1% |
| Mount Ida | $177 | $2,128 | +2% |
| Wickes | $176 | $2,116 | +2% |
| Bauxite | $184 | $2,214 | +6% |
| Wabash | $194 | $2,332 | +11% |
| Biggers | $170 | $2,036 | -2% |
| Jersey | $189 | $2,272 | +9% |
| Watson | $193 | $2,314 | +11% |
| Smackover | $185 | $2,216 | +6% |
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.
| Age | Avg. full coverage premium in AR | Avg. min. coverage premium in AR |
|---|---|---|
|
Age 16*
|
Avg. full coverage premium in AR
$4,382
|
Avg. min. coverage premium in AR
$1,117
|
|
Age 18
|
Avg. full coverage premium in AR
$6,673
|
Avg. min. coverage premium in AR
$1,703
|
|
Age 20
|
Avg. full coverage premium in AR
$5,244
|
Avg. min. coverage premium in AR
$1,134
|
|
Age 25
|
Avg. full coverage premium in AR
$2,856
|
Avg. min. coverage premium in AR
$578
|
|
Age 30
|
Avg. full coverage premium in AR
$2,330
|
Avg. min. coverage premium in AR
$477
|
|
Age 40
|
Avg. full coverage premium in AR
$2,111
|
Avg. min. coverage premium in AR
$436
|
|
Age 50
|
Avg. full coverage premium in AR
$1,902
|
Avg. min. coverage premium in AR
$405
|
|
Age 60
|
Avg. full coverage premium in AR
$1,858
|
Avg. min. coverage premium in AR
$402
|
|
Age 70
|
Avg. full coverage premium in AR
$2,048
|
Avg. min. coverage premium in AR
$477
|
| Age | Avg. full coverage premium in AR | Avg. min. coverage premium in AR |
|---|---|---|
|
Age 16*
|
Avg. full coverage premium in AR
$3,907
|
Avg. min. coverage premium in AR
$1,035
|
|
Age 18
|
Avg. full coverage premium in AR
$5,660
|
Avg. min. coverage premium in AR
$1,451
|
|
Age 20
|
Avg. full coverage premium in AR
$4,244
|
Avg. min. coverage premium in AR
$997
|
|
Age 25
|
Avg. full coverage premium in AR
$2,503
|
Avg. min. coverage premium in AR
$555
|
|
Age 30
|
Avg. full coverage premium in AR
$2,217
|
Avg. min. coverage premium in AR
$474
|
|
Age 40
|
Avg. full coverage premium in AR
$2,049
|
Avg. min. coverage premium in AR
$439
|
|
Age 50
|
Avg. full coverage premium in AR
$1,773
|
Avg. min. coverage premium in AR
$403
|
|
Age 60
|
Avg. full coverage premium in AR
$1,789
|
Avg. min. coverage premium in AR
$389
|
|
Age 70
|
Avg. full coverage premium in AR
$1,954
|
Avg. min. coverage premium in AR
$457
|
Bankrate’s take: Although not allowed as a rating factor in all states, Arkansas car insurance carriers can consider gender when calculating car insurance premiums. Males often see higher average rates than females — especially young males — because they are statistically more likely to cause car accidents. They are also more likely to engage in risky driving behavior like speeding, driving under the influence and not wearing a seatbelt.
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.
| Age | Avg. annual premium for drivers in AR |
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in AR
$4,144
|
|
Age 17
|
Avg. annual premium for drivers in AR
$3,872
|
|
Age 18
|
Avg. annual premium for drivers in AR
$3,610
|
|
Age 19
|
Avg. annual premium for drivers in AR
$3,298
|
|
Age 20
|
Avg. annual premium for drivers in AR
$3,180
|
| Age | Avg. annual premium for drivers in AR |
|---|---|
|
Age 18
|
Avg. annual premium for drivers in AR
$6,167
|
|
Age 19
|
Avg. annual premium for drivers in AR
$5,087
|
|
Age 20
|
Avg. annual premium for drivers in AR
$4,744
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 71 percent more |
| Age 19 | 54 percent more |
| Age 20 | 49 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
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.
| Driving incident | Avg. annual premium* in AR | Percentage increase from AR avg. annual premium* |
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in AR
$2,080
|
Percentage increase from AR avg. annual premium*
0%
|
|
Avg. annual premium* in AR
$2,468
|
Percentage increase from AR avg. annual premium*
19%
|
|
|
Avg. annual premium* in AR
$2,799
|
Percentage increase from AR avg. annual premium*
35%
|
|
|
Avg. annual premium* in AR
$3,366
|
Percentage increase from AR avg. annual premium*
62%
|
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 contributes to lower premiums, while worse credit leads to higher premiums. For example, in Arkansas, a poor credit rating correlates to an average increase of 88 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 11 percent less for full coverage premiums.
| Credit tier | Avg. annual premium* in AR | Percentage difference from AR avg. annual premium* |
|---|---|---|
|
Avg. annual premium* in AR
$3,919
|
Percentage difference from AR avg. annual premium*
88%
|
|
|
Average
|
Avg. annual premium* in AR
$2,285
|
Percentage difference from AR avg. annual premium*
10%
|
|
Avg. annual premium* in AR
$2,080
|
Percentage difference from AR avg. annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in AR
$1,842
|
Percentage difference from AR avg. annual premium*
-11%
|
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.
| Vehicle | Avg. annual premium* in AR |
|---|---|
|
Avg. annual premium* in AR
$2,080
|
|
|
Avg. annual premium* in AR
$1,973
|
|
|
Avg. annual premium* in AR
$1,790
|
|
|
BMW 330i
|
Avg. annual premium* in AR
$2,660
|
|
Toyota Prius
|
Avg. annual premium* in AR
$2,123
|
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:
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How to save on car insurance in Arkansas
If you're seeing high quoted rates for car insurance coverage in Arkansas, you may be able to take some steps to bring down your premium. Assessing your personal rating factors will help you identify where you can make the most impactful changes, but some key cost-saving strategies are outlined below:
- 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.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze the latest rates in April 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).
Age: Rates were calculated by evaluating our base profile with the ages 16-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy unless otherwise noted.
TJ Porter is a contributing writer for Bankrate with eight years of experience writing about finance. TJ writes about a range of subjects, from budgeting tips to bank account reviews.
