Updated: July 7, 2026
Advertising & Editorial Disclosure
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.
You can't change your age or where you live, but you can change your insurer, and in Arkansas that's the fastest way to lower your rate. Your credit and driving record are the next two worth improving.
Minimum Coverage | $46 | $59 | $553 | $726 |
Full Coverage | $114 | $124 | $1,373 | $1,493 |
Full 100/300/100 coverage with a $1,000 deductible costs $128 per month in Arkansas and it's the coverage level worth buying. Adding comprehensive and collision to the state minimum starts at $73 per month, $21 above the minimum-only rate, and that's what protects your own car against Arkansas hail and tornado damage.
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 |
Little Rock drivers pay $138 per month for full coverage, $30 more than Rogers at $108. That's the biggest difference between any two major Arkansas cities, and it comes down to Little Rock's traffic density and higher theft rate, which raise claim costs. Rogers has fewer claims because northwest Arkansas is less dense and less congested. If your quote costs above your city's average on a clean record, switch companies before you touch your coverage.
$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 |
Adding a 16-year-old male to an Arkansas family policy costs $3,071 per year, or $256 per month. That's the teen's share of a household plan that also covers two 50-year-old parents, not a policy in the teen's own name, because drivers under 18 can't legally buy their own coverage. A family plan is the only option at that age.
Arkansas uses gender to calculate rates, so a 16-year-old male costs $177 more per year than a female of the same age ($3,071 vs. $2,894). That difference narrows through the 20s as driving experience starts to matter more than gender. To estimate your own rate, use the free Arkansas car insurance calculator to get a quote based on your age and driver profile.
A DUI raises full coverage to $189 per month, the same as an at-fault accident. Arkansas insurers treat both as equally strong signs a driver will file another claim. Even a not-at-fault accident adds $2 per month ($24 per year), because Arkansas lets insurers count any claim on your record, no matter who caused it. A speeding ticket raises full coverage from $128 to $161 per month.
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% |
Drivers with bad credit in Arkansas pay $264 per month for full coverage, $150 more than the $114 good-credit drivers pay. Over a year that difference adds up to $1,800, more than a full year of minimum coverage at $553. Arkansas sets no limit on credit-based pricing, so insurers weigh your score however their models decide. Raising your credit is the only move that lowers your rate without touching your car, your coverage or how you drive, and a better score shows up at your next renewal.
Good Credit | $47 | $114 |
Bad Credit | $114 | $264 |
Difference | $67 | $150 |
Full coverage for a Tesla Model Y costs $242 per month in Arkansas, $98 more than the $144 for a Honda Civic. The Tesla Model 3 costs $204, $60 above the Civic. Both electric vehicles (EVs) are pricier because their batteries and specialized parts make repairs cost more after a claim, and Arkansas's hail and tornado season already raises comprehensive claims statewide. Drivers who want lower fuel costs without the higher premium can look at the Toyota Prius hybrid at $161 per month, $43 less than the Model 3.
$65 | $776 | $144 | $1,729 | |
$66 | $790 | $147 | $1,763 | |
$67 | $804 | $150 | $1,795 | |
$71 | $852 | $158 | $1,901 | |
$72 | $865 | $161 | $1,930 | |
$76 | $911 | $169 | $2,034 | |
$92 | $1,101 | $204 | $2,454 | |
$108 | $1,301 | $242 | $2,900 |
Bad credit adds $150 per month to full coverage in Arkansas. Putting a 16-year-old male on a family policy costs $3,071 per year, more than double the $1,373 a 40-year-old with a clean record pays. Arkansas uses both credit scoring and gender rating without restriction.
Two drivers with the same driving profiles can be quoted $31 a month apart by different Arkansas insurers. Getting quotes from at least three before you renew shows where yours stands. To see which insurers price lowest for a profile like yours, compare the cheapest and best car insurance in Arkansas.
$32 | $88 | $389 | $1,050 | |
$41 | $89 | $491 | $1,065 | |
$38 | $93 | $461 | $1,111 | |
$39 | $97 | $463 | $1,168 | |
$45 | $107 | $537 | $1,285 | |
$40 | $119 | $483 | $1,422 |
Arkansas car insurance costs $46 per month for minimum coverage and $114 for full coverage. Your rate depends on your driving record, credit score, age and the coverage level you pick.
Arkansas has a 23% uninsured driver rate compared to the 13% national average, which raises premiums for insured drivers who must cover uninsured motorist risk. That exposure compounds with severe tornado, hailstorm and flood activity that raises comprehensive and collision costs higher than most states. Rising healthcare costs and insurance fraud contribute as well, though the uninsured driver rate is the most direct factor.
Drivers with good credit pay $114 per month for full coverage in Arkansas, while those with poor credit pay $264 per month, a $150 monthly difference. Arkansas permits insurers to use credit-based insurance scores without restriction.
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.
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
