Arkansas drivers spend around $1,373 yearly for full coverage car insurance and $553 for minimum coverage, assuming a 40-year-old policyholder with strong credit and no driving infractions. The state performs moderately well in affordability rankings, placing 25th for full coverage and 19th for minimum coverage, with costs 6% and 20% under national averages.
Average Cost of Car Insurance in Arkansas
Updated: October 16, 2025
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Key Takeaways
Car insurance costs can range anywhere from $553 to $6,273 per year on average in Arkansas depending on your chosen coverage, driving profile and location.
Car insurance costs in Arkansas are typical for the U.S., with the state placing 19th for minimum coverage and 25th for full coverage affordability.
To secure the cheapest car insurance in Arkansas, start by deciding your coverage requirements, then research various companies before comparing quotes extensively.
Average Car Insurance Cost In Arkansas
| Full Coverage | $114 | $1,373 |
| Minimum Coverage | $46 | $553 |
Comprehensive and collision coverage costs an additional $820 per year beyond basic liability, breaking down to about $68 monthly. Premium amounts vary based on individual risk factors, coverage selections and personal profile.
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Average Arkansas Car Insurance Cost by Category
Young drivers pay the highest premiums in Arkansas at $295 monthly for full coverage, while owners of older vehicles secure the best deals at $107 monthly. Driver demographics influence car insurance pricing in Arkansas.
Adult drivers maintain affordable baseline rates at $114 monthly for full coverage and $47 for minimum coverage. Credit-challenged drivers face elevated premiums at $264 for full coverage and $114 for minimum, as insurers correlate credit scores with claim frequency patterns.
| Young Drivers | $123 | $295 |
| Adult Drivers | $47 | $114 |
| Senior Drivers | $65 | $145 |
| Drivers With An Accident | $68 | $169 |
| Drivers With A DUI | $68 | $171 |
| Drivers With A Speeding Ticket | $56 | $144 |
| Drivers With Bad Credit | $114 | $264 |
| Drivers With Low Income | $79 | $183 |
| Drivers With Newer Cars | $66 | $164 |
| Drivers With Old Cars | $43 | $107 |
The rate spreads reflect Arkansas's relatively affordable market while still accounting for risk-based pricing across different driver profiles.
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Average Arkansas Car Insurance Cost by Company
Farm Bureau delivers the most affordable coverage in Arkansas at $88 monthly for full coverage, compared to Shelter Insurance's higher rates of $107 monthly. Insurance companies in Arkansas maintain competitive pricing, with full coverage rates varying from $88 to $107 monthly among leading providers.
The difference between cheapest and most expensive options saves Arkansas drivers around $234 per year.
| Farm Bureau | $32 | $88 |
| Travelers | $41 | $89 |
| Auto Owners | $38 | $93 |
| Geico | $39 | $97 |
| Shelter Insurance | $45 | $107 |
Average Arkansas Car Insurance Cost by City
Arkansas car insurance costs fluctuate moderately by location throughout the state, with full coverage premiums varying from $103 monthly in Russellville to $138 in Little Rock. Location affects Arkansas car insurance rates across urban and rural communities.
The $35 monthly difference between cities shows that location matters even in this relatively affordable insurance market, with the state capital reflecting typical urban driving risks. Compare rates for your city below.
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City:Adona
| Full Coverage | $107 | $1,286 |
| Minimum Coverage | $44 | $525 |
Is Arkansas Car Insurance Expensive?
Arkansas ranks 19th for minimum coverage and 25th for full coverage affordability, placing it in the middle range for car insurance costs in 2025. This reflects statewide averages, and affordability rankings for your city differ from the rest of the United States.
Why Is Car Insurance More Expensive In Arkansas?
Below we'll explore the reasons for Arkansas's high car insurance rates:
Traditional liability coverage system
Arkansas follows a traditional at-fault insurance system, requiring drivers to carry minimum liability coverage of 25/50/25. This means $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage per accident. While these limits meet state requirements, they're among the lowest in the nation and may not provide adequate financial protection for serious accidents where medical costs and car repairs can easily exceed these amounts.
Moderate insurance costs compared to national averages
Arkansas drivers pay less than the national average for car insurance. The state's lower population density, reasonable cost of living and highway infrastructure help keep insurance costs relatively affordable. However, factors like severe weather exposure and high uninsured driver rates can still impact individual premiums.
Rising penalties for uninsured driving
Driving without insurance in Arkansas can result in misdemeanor criminal charges, fines up to $3,000, jail time up to six months and license suspension. First-time offenders face a $500 fine and 45-day registration suspension with a $200 reinstatement fee, while repeat offenders can face $1,000 fines, four-month registration suspension, $400 reinstatement fee and up to six months license suspension. The state has strengthened enforcement to encourage compliance with mandatory insurance laws.
Limited medical coverage requirements
Unlike no-fault states, Arkansas doesn't require personal injury protection coverage. Drivers must rely on their health insurance or the at-fault driver's bodily injury liability coverage for medical expenses after accidents. Arkansas law does require insurers to offer uninsured/underinsured motorist coverage, though drivers can reject it by signing a waiver. Given the high rate of uninsured drivers, accepting this coverage provides important financial protection.
How To Lower Car Insurance Costs In Arkansas
Below is our guide to lowering your car insurance costs step by step.
- 1
Decide on coverage needs beforehand
Deciding on your coverage needs is important so you're not oversold on too much coverage. Consider your financial situation, driving habits, car details and risk tolerance when making this decision.
- 2
Research costs and discounts
To save money for your profile, know the average costs for your preferred coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance bundles for the most balanced perspective.
- 3
Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4
Compare quotes through multiple means
Compare quotes from multiple companies to find the best deal possible. Use different means of getting quotes, such as comparison sites and independent agents, since pricing varies widely by method.
Cost of Car Insurance in Arkansas: Bottom Line
Arkansas car insurance costs fall in the middle range compared to other U.S. states, making strategic shopping important to secure the best possible rates. Decide on your coverage needs beforehand, do thorough research and compare quotes from the right insurers.
Cost of Car Insurance in Arkansas: FAQ
Below are answers to frequently asked questions about Arkansas car insurance costs:
How much is Arkansas car insurance per month?
Arkansas car insurance costs $46 for minimum coverage and $114 for full coverage policies. Rates range from $43 to $295 monthly, depending on your unique driver profile and coverage choice.
What factors affect Arkansas car insurance costs?
Primary factors include driving history, age and location. Drivers with accidents, violations or those who are young face higher rates, while urban areas cost more than rural ones. Car type, coverage amounts, credit score and annual mileage also impact premiums, along with factors like gender and marital status in some states.
Why is Arkansas car insurance so expensive?
Arkansas implemented a groundbreaking real-time insurance verification system in 2020, dramatically reducing uninsured drivers from 16% to 8.7%. The state automatically fines drivers $100 for coverage lapses and suspends registration within 30 days. Arkansas requires 25/50/25 coverage and benefits from rates 10% below the national average despite severe weather risks including tornadoes and flooding.
How expensive is Arkansas car insurance?
Arkansas ranks 19th in affordability for minimum coverage and 25th overall for full coverage, placing it around average compared to the rest of the country.
How We Determined Arkansas Car Insurance Costs
We used the following profile and modifications of this profile to determine Arkansas auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
