Arkansas Car Insurance Quotes & Average Rates
Full coverage car insurance in Arkansas is estimated at $2,037 a year, or $170 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $588 a year. Arkansas is an at-fault state, and drivers must carry 25/50/25 liability limits. Below you will find estimated rates for 26 Arkansas cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Arkansas
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Arkansas
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,548 | $129 | -24% | Military members and families only |
| Geico | $1,670 | $139 | -18% | Usually cheapest for clean records |
| State Farm | $1,793 | $149 | -12% | Strong for young and student drivers |
| Progressive | $1,935 | $161 | -5% | Competitive after a ticket or accident |
| Travelers | $1,976 | $165 | -3% | Good multi-policy discounts |
| Nationwide | $2,037 | $170 | 0% | Mid-market, wide availability |
| Allstate | $2,322 | $194 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,465 | $205 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Arkansas. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Arkansas car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $5,503 | $1,587 | $459 |
| 18 years old | $4,642 | $1,339 | $387 |
| 20 years old | $3,844 | $1,108 | $320 |
| 22 years old | $3,193 | $921 | $266 |
| 25 years old | $2,436 | $703 | $203 |
| 30 years old | $2,100 | $606 | $175 |
| 40 years old | $1,974 | $569 | $165 |
| 50 years old | $1,890 | $545 | $158 |
| 60 years old | $1,869 | $539 | $156 |
| 65 years old | $1,953 | $563 | $163 |
| 70 years old | $2,142 | $618 | $179 |
| 75 years old | $2,499 | $721 | $208 |
Estimated premiums by age in Arkansas, clean record, sedan.
How violations change your Arkansas premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $2,037 | — |
| 1 speeding ticket | $2,506 | +23% |
| 1 at-fault accident | $2,995 | +47% |
| DUI / DWI | $3,851 | +89% |
What a violation costs a 35-year-old in Arkansas. Surcharges normally stay on the policy for three to five years.
A DUI in Arkansas usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Arkansas minimum insurance requirements
| Required coverage in Arkansas | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $25,000 |
| PIP or written rejection | Required |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Arkansas Department of Insurance before you buy.
Coverage levels in Arkansas
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $588 | $49 |
| Full coverage (100/300/100 + comp & collision) | $2,037 | $170 |
| Full coverage, high limits + low deductible | $2,425 | $202 |
Coverage level comparison for Arkansas.
Car insurance rates in Arkansas cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 26 Arkansas cities we price.