Updated: March 6, 2026
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Arkansas car insurance rates reflect the state's mix of rural roads and urban centers, with drivers in Little Rock and Fayetteville having different costs than those in smaller communities. Your age, driving record and ZIP code determine much of your premium, but you control your coverage limits, deductible amounts and which insurer you choose.
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Arkansas drivers pay car insurance rates below the national average for both coverage levels. Full coverage car insurance costs $114 per month in Arkansas, while minimum coverage runs $46 per month.
| Minimum Coverage | $46 | $60 | $553 | $726 |
| Full Coverage | $114 | $124 | $1,373 | $1,493 |
Arkansas drivers save $85 per year on full coverage and $135 per year on minimum coverage compared to national averages. The state ranks 25th out of 51 for full coverage affordability.
Arkansas falls in the middle for car insurance costs, ranking 25th for full coverage affordability. With 26 states carrying higher average rates, Arkansas sits in a moderate price range for drivers.
The state's car insurance rates are influenced by severe weather exposure from tornadoes and hailstorms, above-average uninsured driver rates, and growing urban density. Little Rock, Arkansas's largest city, pushes statewide averages higher with increased traffic congestion and accident frequency compared to rural areas (see rates by city).
Vermont claims the title of cheapest state at $75 per month for full coverage, while Florida ranks as the most expensive at $243 per month. Arkansas sits below Montana for affordability and above Oregon in the national rankings.
| Vermont | $75 | $902 | 1 |
| Montana | $112 | $1,346 | 24 |
| Arkansas | $114 | $1,373 | 25 |
| Oregon | $115 | $1,376 | 26 |
| Florida | $243 | $2,912 | 51 |
Farm Bureau offers Arkansas drivers the most affordable car insurance rates at $88 per month for full coverage and $32 per month for minimum coverage, coming in 23% less than the state average. Travelers and Auto Owners are tied for second place among the most budget-friendly options in Arkansas.
Comparing multiple insurers gives Arkansas residents the best shot at finding lower premiums since each company uses its own formula to calculate rates. The same driver profile can produce vastly different quotes across insurers, making it worth checking several options.
Read more: Cheapest and Best Car Insurance Companies in Arkansas
| Farm Bureau | $32 | $88 | $389 | $1,050 |
| Travelers | $41 | $89 | $491 | $1,065 |
| Auto Owners | $38 | $93 | $461 | $1,111 |
| Geico | $39 | $97 | $463 | $1,168 |
| Shelter Insurance | $45 | $107 | $537 | $1,285 |
| Progressive | $40 | $119 | $483 | $1,422 |
Your location within Arkansas directly impacts your car insurance costs among the state's major metros. Little Rock ranks as the most expensive at $138 per month for full coverage, followed by Pine Bluff at $134 per month. Rogers and Bentonville offer the most affordable rates, both averaging $108 per month for full coverage.
| Little Rock | $138 | $58 |
| Pine Bluff | $134 | $54 |
| North Little Rock | $130 | $53 |
| Jonesboro | $120 | $49 |
| Conway | $114 | $49 |
| Fort Smith | $112 | $46 |
| Springdale | $111 | $45 |
| Fayetteville | $111 | $45 |
| Rogers | $108 | $44 |
| Bentonville | $108 | $44 |
Rogers benefits from lower population density and reduced traffic congestion compared to other Arkansas cities, keeping claim frequency down. Little Rock's higher rates result from increased traffic density as the state capital, plus elevated theft rates and accident frequency in the metro area. The gap between the most and least expensive of Arkansas's 10 most populous cities is $30 per month, or $360 per year.
Adding a 16-year-old male driver to a family policy in Arkansas costs $5,118 per year, while females cost $4,824 annually. Both amounts represent roughly three to four times typical adult rates in Arkansas. Age and gender affect car insurance rates most during the teen years, with costs dropping steadily through the early 20s before leveling off around age 25.
The data reflects average annual premiums when a young driver joins a household policy with two 50-year-old parents. You can toggle between male and female rates to compare costs for your situation. A 16-year-old male purchasing individual coverage pays $8,876 per year, creating annual savings of $3,758 by staying on the family policy instead.
| 16 | $5,118 | $8,876 |
| 17 | $4,733 | $6,992 |
| 18 | $4,478 | $6,054 |
| 19 | $4,244 | $4,094 |
| 20 | $4,039 | $3,646 |
| 21 | $3,754 | $2,762 |
| 22 | $3,620 | $2,542 |
| 23 | $3,479 | $2,289 |
| 24 | $3,387 | $2,151 |
| 25 | $3,168 | $2,004 |
Full coverage car insurance in Arkansas ranges from $128 per month with a clean driving record to $189 per month after a DUI, a 48% increase that makes this the most costly violation. Even a speeding ticket pushes premiums up by 26%, adding $33 per month to your insurance bill. These increases show how quickly driving violations can strain your budget, with costs that persist for years after the initial citation.
| Clean Record | $128 | $1,541 | — |
| Accident (not at fault) | $130 | $1,565 | 2% |
| Speeding | $161 | $1,938 | 26% |
| Texting While Driving | $163 | $1,960 | 27% |
| Accident (at fault) | $189 | $2,270 | 48% |
| DUI | $189 | $2,270 | 48% |
Insurance companies in Arkansas view drivers with violations as more likely to file claims in the future. This increased risk gets built directly into your premium through higher rates.
Drivers with bad credit pay $264 per month for full coverage in Arkansas, more than double the $114 that drivers with good credit pay. The state allows insurers to use credit-based insurance scores when setting premiums, creating a rate gap between credit tiers.
| Good Credit | $47 | $114 |
| Bad Credit | $114 | $264 |
| Difference | $67 | $150 |
Low-income Arkansas drivers with bad credit can lower their premiums by improving their credit score. A better credit score can lead directly to cheaper car insurance.
Upgrading from basic liability to comprehensive coverage in Arkansas adds $89 per month to your premium. The cheapest legal coverage costs $52 per month, while a high-limit 300/500/300 policy with comprehensive and collision runs $141 per month.
| Minimum Liability Only | $52 | $625 |
| Min. liab. + comp/coll ($1,000 ded.) | $73 | $880 |
| Min. liab. + comp/coll ($2,000 ded.) | $106 | $1,277 |
| 100/300/100 liability + comp/coll ($1,000 ded.) | $128 | $1,541 |
| 50/100/50 liability + comp/coll ($500 ded.) | $139 | $1,670 |
| 300/500/300 liability + comp/coll ($1,500 ded.) | $141 | $1,687 |
| Min. liab. + comp/coll ($250 ded.) | $144 | $1,730 |
| Min. liab. + comp/coll ($0 ded.) | $165 | $1,976 |
Arkansas requires drivers to carry minimum liability coverage of 25/50/25, which only pays for damage you cause to others and doesn't protect your own vehicle through comprehensive or collision insurance. The table above starts with the state minimum and shows how premiums increase as you raise liability limits and add coverage for your car.
Here's what 50/100/50 liability + comp/coll ($500 ded.) means:
$50,000 in bodily injury liability per person
For more on coverage types and limits, read about the types of car insurance coverages and how much car insurance you need.
A Tesla Model Y costs $242 per month to insure in Arkansas, compared to $147 for a Ford F-150, a 65% difference that shows how vehicle choice affects your premium. The Honda Civic represents the most affordable option at $144 per month for full coverage. These models rank among the most popular vehicles nationally by sales volume. Your rate will depend on your vehicle and its safety features, repair costs and theft rates.
| Honda Civic | $65 | $776 | $144 | $1,729 |
| Ford F-150 | $66 | $790 | $147 | $1,763 |
| Honda Accord | $67 | $804 | $150 | $1,795 |
| Toyota Camry | $71 | $852 | $158 | $1,901 |
| Toyota Prius | $72 | $865 | $161 | $1,930 |
| Toyota Rav4 | $76 | $911 | $169 | $2,034 |
| Tesla Model 3 | $92 | $1,101 | $204 | $2,454 |
| Tesla Model Y | $108 | $1,301 | $242 | $2,900 |
A Tesla Model Y costs $242 per month for full coverage in Arkansas compared to $147 for a Ford F-150, creating a $95 monthly difference. Electric vehicles carry higher premiums because specialized parts, battery replacement costs and complex repair requirements drive up claim severity when accidents occur. Drivers prioritizing affordable coverage can save roughly $91 per month by choosing a Honda Civic or Toyota Camry over a Tesla Model Y.
Arkansas drivers often find their car insurance rates differ from neighboring states due to the state's unique mix of rural and urban risk factors. These are the questions we hear most about what affects your premiums in Arkansas.
Arkansas car insurance ranges from $46 per month for minimum coverage to $114 for full coverage. Your actual rate depends on your driving record, age, credit score and coverage choices.
Arkansas has a 23% uninsured driver rate compared to the national average of 13%, which raises premiums for insured motorists. Severe tornadoes, hailstorms and flooding across the state drive up comprehensive and collision coverage costs. Rising healthcare expenses and insurance fraud further contribute to Arkansas's above-average car insurance rates.
We used this profile to determine auto insurance costs across all available ZIP codes and cities.
Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.
Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
