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Car Insurance Quotes in Texarkana, AR

Full coverage / year
$1,960
State minimum / year
$565
Typical quote range
$1,392 – $2,705

Full coverage car insurance in Texarkana, AR runs an estimated $1,960 per year — roughly $163 monthly. That is around 6% below the Arkansas average, helped by lighter traffic and below-average claim frequency. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Texarkana, AR

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$163/ month
$1,960 per year · carriers in Texarkana, AR typically quote $1,392 – $2,705
See real quotes for my ZIP →

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 Texarkana, AR

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,490$124-24%Military members and families only
Geico$1,607$134-18%Usually cheapest for clean records
State Farm$1,725$144-12%Strong for young and student drivers
Progressive$1,862$155-5%Competitive after a ticket or accident
Travelers$1,901$158-3%Good multi-policy discounts
Nationwide$1,960$1630%Mid-market, wide availability
Allstate$2,234$186+14%Higher base rate, heavy discount stacking
Farmers$2,372$198+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Texarkana, AR. 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.

Car insurance rates by age in Texarkana

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$5,295$1,527$441
18 years old$4,466$1,288$372
20 years old$3,698$1,067$308
22 years old$3,072$886$256
25 years old$2,344$676$195
30 years old$2,021$583$168
40 years old$1,900$548$158
50 years old$1,819$525$152
60 years old$1,799$519$150
65 years old$1,880$542$157
70 years old$2,061$594$172
75 years old$2,405$694$200

Estimated premiums by age in Texarkana, AR, clean record, sedan.

What a ticket, accident or DUI costs in Texarkana

Driving recordEst. annualIncrease
Clean record$1,960—
1 speeding ticket$2,411+23%
1 at-fault accident$2,882+47%
DUI / DWI$3,705+89%

What a violation costs a 35-year-old in Texarkana, AR. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Arkansas

Every driver registering a vehicle in Arkansas must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Arkansas Department of Insurance.

Required coverage in ArkansasMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$25,000
PIP or written rejectionRequired
Insurance systemAt-fault (tort)

Coverage levels compared in Texarkana

Coverage levelEst. annualEst. monthly
State minimum liability$565$47
Full coverage (100/300/100 + comp & collision)$1,960$163
Full coverage, high limits + low deductible$2,333$194

Coverage level comparison for Texarkana, AR.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Texarkana

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Texarkana covers 71854 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Texarkana, AR?
Full coverage in Texarkana is estimated at $1,960 a year ($163 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $565 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Arkansas?
Arkansas requires at least $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage, plus pip or written rejection. Arkansas is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Texarkana?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Texarkana for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Texarkana?
An 18-year-old in Texarkana is estimated at $4,466 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Texarkana?
A DUI takes the estimate from $1,960 to about $3,705 a year in Texarkana, an increase of roughly 89%. Arkansas drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Texarkana?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

El DoradoHot SpringsBentonBryantPine BluffLittle RockMaumelleNorth Little Rock

Comparing more of Arkansas? See every Arkansas city we price or read the cheap car insurance guide for Texarkana.