Cheapest Car Insurance in Arkansas for 2026

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Updated: May 22, 2026

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Key Takeaways:

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Farm Bureau is the cheapest car insurance in Arkansas for most drivers at $32/month for minimum coverage and $86/month for full coverage.

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Arkansas lets insurers use both gender and credit score to set rates, which creates bigger price swings between carriers than most states. See Arkansas rates based on your driving profile below.

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Arkansas requires a minimum of 25/50/25 liability coverage: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage.

Cheapest Minimum and Full Coverage Car Insurance in Arkansas

For Arkansas's minimum coverage, Farm Bureau is cheapest at $32/month and Auto-Owners is second at $37/month. For full coverage, Farm Bureau is cheapest at $86/month and Travelers is second at $89/month.

How to choose: Farm Bureau is the cheapest option for both coverage types. It requires a membership to purchase a policy, but membership is open to anyone in Arkansas and costs around $35/year. Start there if price is your top priority.

The price gaps between first and second are small. It's $5/month for minimum and $3/month for full coverage. At that difference, service quality matters. Auto-Owners holds a perfect 5.00/5 customer experience score in Arkansas. Travelers scores 4.90/5 and adds gap insurance and accident forgiveness, which Farm Bureau doesn't offer. See our best car insurance in Arkansas guide for a full comparison.

Farm Bureau
$32
$86
Travelers
$41
$89
Auto-Owners
$37
$90
GEICO
$38
$94
Shelter Insurance
$45
$107
Nationwide
$51
$125
Alfa Insurance
$38
$127
Progressive
$49
$132
Farmers
$61
$140
Allstate
$79
$155
Hallmark Insurance
$65
$158

Cheapest Car Insurance by City in Arkansas

Auto-Owners is cheapest in every major Arkansas city, from $73/month in Fayetteville to $86/month in Pine Bluff.

How to choose: City tables use average ZIP code data. Your actual address within a city will move that rate. If Auto-Owners and Farm Bureau are within $5/month for your profile, get quotes from both at your actual ZIP before deciding. Auto-Owners has a perfect 5.00/5 customer experience score in Arkansas, strong complaint scores, and no membership requirement.

City
Cheapest Provider
Monthly Full Coverage

Fayetteville

Auto-Owners

$73

Fort Smith

Auto-Owners

$74

Springdale

Auto-Owners

$74

Bentonville

Auto-Owners

$74

Rogers

Auto-Owners

$75

Cheapest Car Insurance by Age in Arkansas

Farm Bureau is cheapest across every age group, from $102/month for seniors to $528/month for 16-year-old girls on a family policy. For teens on 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
$528
Teen Drivers (16, Male, Family Policy)
Farm Bureau
$651
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. For bad credit, Alfa Insurance is cheapest at $129/month.

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. The 36-month window is also roughly how long a violation impacts your rate. 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.

Violation
Cheapest Provider
Monthly Full Coverage

Speeding ticket

Farm Bureau

$93

At-fault accident

Farm Bureau

$110

DUI

Farm Bureau

$102

Texting while driving

Farm Bureau

$93

Bad credit

Alfa Insurance

$129

How to Get the Cheapest Car Insurance in Arkansas

Based on our Arkansas rate analysis, these are the strategies you can take to save the most on car insurance:

  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 tables on this page to find which carrier prices your specific profile lowest, then get a quote from that insurer first.

  2. 2
    Stack the discounts each carrier offers

    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 home and auto

    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).

  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 at the next renewal cycle. Farm Bureau applies an insurance score discount directly to your policy when your score improves.

Frequently Asked Questions About Cheap Car Insurance in Arkansas

Arkansas drivers most often ask about why rates vary so much by provider and profile. Farm Bureau leads for most drivers, but credit score and age can shift the cheapest option entirely. The answers below address the most common questions about car insurance costs, coverage requirements and provider selection in Arkansas.

What is the cheapest car insurance company in Arkansas?

Can I get car insurance in Arkansas the same day?

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

MoneyGeek analyzed 11 auto insurance providers across all Arkansas ZIP codes. All rates are ZIP code averages; individual quotes vary.

Sample driver profile (baseline): 40-year-old male driver, clean driving record, good credit, 100/300/100 full coverage with a $1,000 deductible.

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

Arkansas minimum coverage (25/50/25): $25,000 bodily injury per person, $50,000 per accident, $25,000 property damage.

State-specific notes: Arkansas allows gender and credit as auto insurance rating factors; separate Girls/Boys tables and a bad credit profile are included. Arkansas is a tort state, so the at-fault driver's insurance pays for damages. SR-22 filing is required after a DUI conviction. Farm Bureau is a regional carrier. Hallmark Insurance is included in the full competitive set for this market.

See our full methodology here.

About Mark Fitzpatrick

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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 writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and 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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