Cheapest Car Insurance in Arkansas

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Updated: June 8, 2026

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Farm Bureau is the cheapest car insurance company in Arkansas for most drivers, but the best option depends on your profile. GEICO is the lowest price for full coverage. Auto-Owners is cheapest in most major cities in Arkansas, Alfa Insurance is the only competitive option for drivers with bad credit. Farm Bureau is cheapest for teens at 16, and Travelers is cheapest for young drivers aged 17 to 25.  

MoneyGeek's analysis is based on rates from Arkansas state insurance filings across every zip code and driver profile in the state. Here are the cheapest companies in Arkansas:

Minimum coverage
Farm Bureau
$33
4.22/5
Full coverage
GEICO
$84
4.39/5
Teen (16, female)
Farm Bureau
$528
4.22/5
Teen (16, male)
Farm Bureau
$651
4.22/5
Young adult (female)
Farm Bureau
$145
4.22/5
Young adult (male)
Farm Bureau
$151
4.22/5
Senior (65+)
Farm Bureau
$102
4.22/5
Speeding ticket
Farm Bureau
$93
4.22/5
At-fault accident
Farm Bureau
$110
4.22/5
DUI
Farm Bureau
$102
4.22/5
Bad credit
Alfa Insurance
$129
4.42/5
GEICO

GEICO

Best Cheap Full Coverage for Most Drivers

GEICO is the cheapest full coverage insurer in Arkansas starting at $84/month, 19% below the state average. Most drivers should buy full coverage in Arkansas to protect their vehicle and GEICO is the most affordable with a seamless digital buying experience. They score 4.39 out of 5 in in our MoneyGeek rankings. You can get further discounts to reduce your rate by an average of 17% in the state. One thing to know if they don't offer gap insurance if you have financed your car in the last two years. You will want to avoid GEICO if you have a violation where Farm Bureau is a lower rate.

Cheapest Car Insurance by Coverage Type in Arkansas

For Arkansas's minimum coverage, Farm Bureau is cheapest at $33/month and Auto-Owners is second at $36/month. GEICO is cheapest in Arkansas for full coverage at $84/month and Farm Bureau is the second lowest price at $86/month.

How to choose: The cheapest rates by coverage type don't differ much between Farm Bureau, GEICO and Auto-Owners. Auto-Owners has the highest overall score at 4.65/5 tied with Farm Bureau.  GEICO, scores slightly lower at 4.35/5 but has the good user reviews for their digital buying experience if you need insurance quickly. Your exact Arkansas ZIP code may change your rate, so our recommendation is to get quotes from all three to get the lowest rate.

GEICO
$36
$84
Farm Bureau
$33
$86
Auto-Owners
$37
$86
Travelers
$41
$89
Shelter Insurance
$45
$107
Nationwide
$51
$125
Alfa Insurance
$38
$127
Progressive
$48
$129
Farmers
$61
$140
Allstate
$77
$153
Hallmark Insurance
$65
$158

Cheapest Car Insurance by City in Arkansas

Auto-Owners is cheapest across most major Arkansas cities, ranging from $74/month to $86/month., but the cheapest insurer varies based on your exact zip code because insurers calculate risk differently in each location. 

How to choose: GEICO is the cheapest in Fayetteville, North Little Rock, and Little Rock, and Farm Bureau is cheapest in Fort Smith.  All three of the lowest priced insurers rank in our top 5 companies in Arkansas and we recommend getting a quote from all three providers to get the cheapest rate.

Fayetteville
GEICO
$73
Fort Smith
Farm Bureau
$74
Springdale
Auto-Owners
$74
Bentonville
Auto-Owners
$74
Rogers
Auto-Owners
$75
Conway
Auto-Owners
$81
North Little Rock
GEICO
$81
Jonesboro
Auto-Owners
$78
Little Rock
GEICO
$84
Pine Bluff
Auto-Owners
$86

Cheapest Car Insurance by Age in Arkansas

Farm Bureau is cheapest, from $102/month for seniors to $248/month for 16-year-old girls with a family policy. Farm Bureau is cheapest at 16 but Travelers is cheapest from 17 through 25. 

Because rates shift so much by age in Arkansas, the carrier that's cheapest for you today may not be cheapest at your next renewal. Re-shop every year from 16 through 25. After 65, re-shop at each renewal too. Carriers price senior drivers differently, and the gap widens as you age. The driver who was cheapest at 65 may not be cheapest at 70.

Young Adult Drivers (Standalone, Female)
Farm Bureau
$145
Young Adult Drivers (Standalone, Male)
Farm Bureau
$151
Teen Drivers (16, Female, Family Policy)
Farm Bureau
$248
Teen Drivers (16, Male, Family Policy)
Farm Bureau
$256
Seniors (65+)
Farm Bureau
$102

Cheapest Car Insurance With Violations or Poor Credit

Farm Bureau is cheapest after speeding tickets, at-fault accidents, DUIs, and texting violations. They are cheaper than the competition by 10-34% across violations types, so they should be your first quote.

For bad credit, Alfa Insurance is cheapest at $129/month, and they are half the price of national insurers for this profile.

Arkansas uses a point system managed by the Office of Driver Services. Points range from 3 to 8 per violation depending on severity and more points will mean higher insurance cost.

Here's why that matters for insurance: Carriers check your Arkansas driving record at renewal.  Your rate will be impacted for 36-months after the violation. When points fall off, re-shop immediately. DUI and reckless driving convictions are an exception. Those stay on your record for insurance purposes for five years, so the rate impact is longer. You can check your current point total and driving record through the Arkansas DFA driving records portal.

Farm Bureau
$93
$110
$102
$251
Travelers
$119
$124
$135
$255
Auto-Owners
$120
$153
$201
$287
GEICO
$121
$147
$174
$246
Shelter Insurance
$133
$148
$148
$258
Alfa Insurance
$149
$151
$189
$129

How to Get the Best Cheap Car Insurance in Arkansas

Based on our Arkansas rate analysis, these are the decision you can make that will lower the cost of car insurance in Arkansas the most:

  1. 1
    Match your Arkansas insurer to your profile

    No single carrier wins every category in Arkansas. Farm Bureau is cheapest for most drivers, but Auto-Owners is cheapest in every major city and Alfa Insurance is the only competitive option for bad credit. 
    Starting with the wrong carrier costs you real money. Farm Bureau at $251/month vs. Alfa at $129/month for the same bad credit profile is $1,464/year. Use the MoneyGeeks Arkansas car insurance calculator or the tables on this page to find which carrier prices your specific profile lowest, then get a quote from that insurer first.

  2. 2
    Stack discounts from the cheapest Arkansas Insurers

    Each of the top carriers on this page has discounts that can reduce your rate on top of the base quote.

    Farm Bureau offers: multi-car, claims-free (no chargeable accidents), good student (16+, full-time student), driver training (under 22), defensive driving, paperless billing, EFT payment, insurance score, and a bundled home and auto account discount of up to 27%.

    Travelers offers: IntelliDrive Plus telematics (up to 30% for safe drivers), good student, multi-policy, multi-car, early quote (switching before your current policy expires), and a student away at school discount.

    Auto-Owners offers: multi-policy, multi-car, good student, paid-in-full, paperless, and a diminished value coverage option not available at most carriers.

  3. 3
    Bundle your Arkansas home and auto policies

    Bundling home and auto insurance in Arkansas saves 10% to 19% on average. Farmers leads Arkansas bundle rankings with a 19% discount, saving policyholders around $1,012/year. Travelers and Auto-Owners also offer competitive bundles. If you own a home, compare bundled quotes before renewing either policy separately. See our home and auto bundle guide for Arkansas for current rates.

  4. 4
    Report your actual mileage accurately

    Low-mileage drivers in Arkansas pay less. The average annual rate for a high-mileage driver (14,000 miles/year) in Arkansas is $1,841 vs. $1,655 for a low-mileage driver (7,000 miles/year), a $186/year savings. If you are driving less miles, be sure to update your estimate.

  5. 5
    Improve your credit score before your next renewal

    Arkansas allows insurers to use credit scores to set rates, and the impact here is larger than most states. The statewide average rate for a good credit driver is $1,641/year vs. $3,024/year for a poor credit driver, nearly double. Even moving from poor to fair credit can reduce your premium by an average of 27% at the next renewal cycle. Farm Bureau applies an insurance score discount directly to your policy when your score improves, but most other insurers do not so you may need to re-shop.

Best Cheap Car Insurance in Arkansas: FAQs

Can I get car insurance in Arkansas the same day?

What happens if I get caught driving without insurance in Arkansas?

MoneyGeek evaluated 11 auto insurance companies in Arkansas using three weighted scoring factors: Affordability (60%), Customer Experience (30%), and Coverage Options (10%). Rate data is sourced from Quadrant Information Services, based on actual insurer filings across all Arkansas ZIP codes. All rates are ZIP code averages; individual quotes vary.

The baseline profile is a 40-year-old male driver with good credit, a clean driving record, and no prior claims. Full coverage uses 100/300/100 limits with a $1,000 deductible. Minimum coverage uses Arkansas's mandatory 25/50/25 limits: $25,000 per person bodily injury, $50,000 per accident bodily injury, and $25,000 property damage.

Additional profiles analyzed: young drivers ages 16 to 25 on a family policy, with separate Girls and Boys tables; drivers age 65 and older; drivers with a speeding ticket, at-fault accident, DUI conviction, or texting while driving violation; and drivers with poor credit.

State-specific notes: Arkansas allows gender and credit as auto insurance rating factors; separate Girls and Boys tables are included, along with a poor-credit profile. Arkansas is a tort state, so the at-fault driver's insurer pays for damages. SR-22 filing is required after a DUI conviction. Customer experience incorporates J.D. Power 2025 study scores, AM Best financial strength ratings, and NAIC complaint indexes. Farm Bureau is a regional carrier. Hallmark Insurance is included in the full competitive set for this market. USAA is excluded from rankings due to eligibility restrictions.

Rates and scores reflect data as of January 2026.

See our full methodology here.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.

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