Average Cost of Car Insurance in Arkansas for 2026

Arkansas minimum coverage costs $46 per month, $13 less than the $59 national average. Full coverage at $114 per month costs only $10 below the national figure because tornadoes and hailstorms raise comprehensive and collision claim costs higher than the national baseline.

Arkansas falls toward the affordable end of the national range. Your city and age are fixed variables for now, but your driving record and credit score are the two variables most worth controlling to move your rate down in Arkansas.

The $2,000 deductible minimum-liability-plus-comp/coll policy costs $106 per month, only $22 less than a full 100/300/100 policy at $128 per month. Adding comprehensive and collision to the state minimum with a $1,000 deductible costs $73 per month, a $21 jump from the $52 minimum-liability-only rate. Moving from that $73 option to full 100/300/100 coverage adds another $55 per month but raises your liability protection from 25/50/25 to 100/300/100.  

Deductible choice moves your rate more than you might expect. The zero-deductible option runs $165 per month versus $73 for the $1,000 deductible option, a $92 monthly difference for the same liability limits. The 100/300/100 benchmark policy with a $1,000 deductible costs $128 per month.

Little Rock drivers pay $138 per month for full coverage, $30 more per month than Rogers, where full coverage averages $108. At $360 per year, the gap between Arkansas's most and least expensive major cities is wider than the $173 annual savings Arkansas drivers already enjoy over the national minimum-coverage average.

Little Rock's higher rate comes from traffic density and theft concentration, raising claim costs above what smaller metros see. Rogers, in northwest Arkansas, benefits from lower population density and reduced traffic congestion. If your quote in any city costs above the average for a clean-record driver, change your company, not your coverage level.

A 16-year-old male's individual share on a family policy in Arkansas costs $3,071 per year ($256 per month). That rate represents the teen's portion of a household policy that also covers two 50-year-old parents, not a standalone policy. Drivers under 18 can't legally purchase their own car insurance policy, so a family plan is the only option for that age group.

Arkansas uses gender as a rating factor. A 16-year-old male on a family policy costs $177 more per year than a female at the same age ($3,071 vs. $2,894). The cost difference in Arkansas narrows as drivers age through their 20s because insurers weigh driving experience more heavily than gender at older ages. The free Arkansas car insurance calculator estimates your quote based on age and driver profile.

A DUI raises full coverage in Arkansas to $189 per month, the same rate as an at-fault accident. Arkansas insurers treat both violations as equally high indicators of future claim risk, which is why neither carries a lower rate ceiling than the other. Even a not-at-fault accident adds $2 per month ($24 per year) because Arkansas allows insurers to consider claim involvement regardless of fault. A speeding ticket in Arkansas adds $33 per month over a clean record and full coverage increases from $128 to $161 per month after a speeding citation.

Bad credit Arkansas drivers pay $264 per month for full coverage, $150 more per month than the $114 paid by drivers with good credit. That $150 monthly difference adds up to $1,800 per year, more than the entire annual cost of minimum coverage in Arkansas at $553. Arkansas permits insurers to use credit-based insurance scores when calculating premiums, with no state law restricting this practice.

A better credit score is the only factor that lowers your Arkansas insurance rate without changing your vehicle, your coverage or your driving behavior. Arkansas doesn't restrict credit-based pricing, so a score improvement helps your next renewal quote.

Full coverage for a Tesla Model Y costs $242 per month in Arkansas, $98 more per month than the $144 charged for a Honda Civic. The Tesla Model 3 costs $204 per month, $60 more than the Civic. Both electric vehicles (EVs) cost more to insure because battery replacement and specialized repairs raise claim costs above what conventional vehicles produce.

Arkansas's hail and tornado season raises comprehensive claim frequency statewide. EV owners absorb more of that cost because EV repair bills cost more than equivalent repairs on conventional vehicles. Drivers who want lower fuel costs without the EV insurance premium can look at the Toyota Prius hybrid priced at $161 per month, $43 less per month than the Model 3.

Bad credit adds $150 per month to full coverage in Arkansas, and a 16-year-old male's individual share on a family policy costs $3,071 per year, more than double the $1,373 annual rate a 40-year-old clean-record driver pays. Arkansas uses credit scoring and gender rating without restriction.

The same driver profile gets differing quotes by $31 per month or more across major Arkansas insurers. Your profile determines which company prices you at the lowest rate for your specific risk factors. Get quotes from at least three companies before renewal to see where your rate stands. The cheapest and best car insurance in Arkansas tells you which companies price lowest for specific driver profiles.

We used this profile to determine auto insurance costs across all available ZIP codes and cities.

• 40 years old
• Clean driving record
• Good credit
• 2012 Toyota Camry LE

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.