Travelers ranks as the best car insurance company in Arkansas, earning a MoneyGeek score of 4.74 out of 5 for its strong customer service and competitive rates. Since insurance needs vary by driver, we also recommend Auto-Owners, Farm Bureau, GEICO and Progressive.
Best Car Insurance in Arkansas
Updated: August 25, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Arkansas is Travelers, leading the pack with a customer experience score of 4.74 out of 5.
Alfa Insurance offers the best coverage for drivers with bad credit, while Farm Bureau is the top choice for drivers with speeding tickets in Arkansas.
To find the best insurance rates in Arkansas, decide on your coverage needs first, research provider options and compare plenty of quotes before making your choice.
Best Car Insurance Companies in Arkansas
| Travelers | 4.74 | $65 | 2 | 6 |
| Auto-Owners | 4.72 | $65 | 1 | 7 |
| Farm Bureau | 4.65 | $60 | 4 | 9 |
| GEICO | 4.48 | $68 | 5 | 8 |
| Progressive | 4.46 | $79 | 3 | 2 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Arkansas by Driver
Travelers and Auto-Owners lead three categories each in Arkansas. Travelers offers the best rates for young drivers, accident-prone drivers and newer cars, while Auto-Owners tops the list for adult drivers, low-income drivers and old cars.
| Young Drivers | Travelers | 2 | 2 | 6 |
| Adult Drivers | Auto-Owners | 2 | 1 | 7 |
| Senior Drivers | Shelter Insurance | 2 | 8 | 3 |
| Drivers With an Accident | Travelers | 2 | 2 | 6 |
| Drivers With a DUI | Progressive | 2 | 3 | 2 |
| Drivers With a Speeding Ticket | Farm Bureau | 1 | 4 | 9 |
| Drivers With Bad Credit | Alfa Insurance | 1 | 10 | 4 |
| Drivers With Low Income | Auto-Owners | 4 | 1 | 7 |
| Drivers With Newer Cars | Travelers | 1 | 2 | 6 |
| Drivers With Old Cars | Auto-Owners | 2 | 1 | 7 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Arkansas Car Insurance Recommendations
Our research provides general guidance, but your specific needs may require different insurance options. Compare these five top-rated Arkansas providers to find coverage that matches your profile.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | 4.71 | $287 | 2 | 6 |
| Farm Bureau | 4.58 | $260 | 4 | 9 |
| Shelter Insurance | 4.57 | $308 | 8 | 3 |
| Hallmark Insurance | 4.55 | $238 | 9 | 9 |
| Nationwide | 4.49 | $328 | 6 | 6 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Arkansas Car Insurance Reviews
See detailed service breakdowns for our top-rated insurance companies below.
Travelers
Best Cheap Overall in Arkansas
MoneyGeek Rating
4.7/ of 5
4.8/5Affordability
4.9/5Customer Experience
3.9/5Coverage Options
Average Monthly Full Coverage Cost
$89For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$41For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
Auto-Owners
Best Customer Experience in Arkansas
MoneyGeek Rating
4.7/ of 5
4.8/5Affordability
5/5Customer Experience
3.4/5Coverage Options
Average Monthly Full Coverage Cost
$93For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$38For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
True Blue Auto Coverage
How to Find the Best Car Insurance in Arkansas
Finding the right car insurance in Arkansas can be challenging. We've created this guide to help you choose coverage that fits your needs and budget.
- 1
Decide on coverage needs before you buy
Take time to decide your driving patterns, financial situation and local factors to determine the right level of coverage you need while meeting Arkansas required minimums.
- 2
Research average costs and discounts you may qualify for
Start by checking average car insurance costs in Arkansas. Look to save using home and auto insurance bundles, usage-based insurance programs and good student discounts. Taking a state-approved defensive driving program can decrease your costs.
- 3
Look through provider customer experiences and coverage options thoroughly
Insurance companies differ in more than just rates. Research customer reviews and claims handling experiences. Check coverage options and add-ons to match your needs.
- 4
Consider non-standard coverage options
Alternative options like manufacturer policies, non-owner car insurance and pay-per-mile policies might better suit you. If you require an SR-22 in Arkansas, make sure to factor this into your provider selection.
- 5
Compare plenty of quotes through multiple means
Shopping around helps you get the cheapest option possible. Get quotes through insurance websites, local agents and comparison tools.
- 6
Reassess annually
Insurance rates change due to market conditions and personal factors. Make it a habit to review your coverage and compare rates yearly.
Best Arkansas Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Travelers is the top-rated company overall, while Auto-Owners and Farm Bureau are also good options for drivers in Arkansas.
Best Auto Insurance in Arkansas: FAQ
Your car insurance needs are unique, so we'll answer common questions to help you pick coverage that fits your situation and budget.
What is the best car insurance company in Arkansas?
Travelers is Arkansas's leading auto insurance provider, boasting a MoneyGeek score of 4.74 out of 5 and offering full coverage at an average monthly rate of $89.
What is the best car insurance company for minimum coverage in Arkansas?
Farm Bureau leads for minimum coverage in Arkansas with an average rate of $389 per year.
What is the best car insurance in Arkansas for young drivers?
Travelers provides the best car insurance for young adults in Arkansas, offering competitive rates and reliable coverage with strong customer satisfaction scores.
What is the best car insurance for Arkansas drivers who value customer service?
Auto-Owners ranks highest for customer experience in Arkansas with a 5 out of 5 rating. The company excels in their purchase process, agent interactions, digital tools and claims handling.
What is the best car insurance in Arkansas if you have driving offenses?
Farm Bureau is the leading insurance provider for Arkansas motorists with traffic violations, offering monthly rates of $36 for minimum coverage and $94 for full coverage.
How We Rated the Best Car Insurance in Arkansas
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Arkansas. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Arkansas. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Arkansas-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
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.