Best Car Insurance in Arkansas

The top-rated auto insurance companies in Arkansas for 2026 are Travelers, Farm Bureau, and Auto-Owners.

Discover if you're overpaying for Arkansas car insurance below.

Written by Mark Fitzpatrick

Updated: December 29, 2025

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Top Rated Car Insurance Companies in Arkansas

The top-rated car insurance companies in Arkansas are:

Best Overall and for Young Drivers: Travelers
Best Cheap Car Insurance: Farm Bureau
Best for Drivers With Low Income or Old Cars: Auto-Owners

Why You Can Trust MoneyGeek

MoneyGeek's proprietary methodology identified Arkansas's best car insurance by researching over 70 companies and analyzing actual quotes, verified customer reviews from trusted sources like J.D. Power, and coverage details. Our ratings prioritize what matters most: affordability (60%), customer experience (30%), and coverage options (10%).

Best Car Insurance Companies in Arkansas

Travelers is the best car insurance company in Arkansas, with a 4.8 out of 5 MoneyGeek score. It excels in affordability and customer service.

Travelers offers competitive rates with full coverage at $89 monthly. Drivers with clean records pay rates that run 4% below state averages.

Farm Bureau leads in affordability with the lowest rates at $86 monthly for full coverage and $32 monthly for state minimums. Auto-Owners earns top marks for drivers with low income, combining competitive rates with perfect customer experience scores.

Our recommendations provide a starting point, but your age, driving record and coverage needs determine which provider offers the best value. Compare these top companies to find the insurer that best fits your profile.

Data filtered by:


Travelers	4.80	$89	4.90	4.90	3.90
Auto Owners	4.80	$90	4.90	5.00	3.40
Farm Bureau	4.70	$86	5.00	4.70	2.50
Geico	4.50	$94	4.80	4.50	3.00
Shelter Insurance	4.40	$107	4.40	4.40	4.50

*The rates above are based on a male driver insuring a 2012 Toyota Camry with good credit.

How much does car insurance in Arkansas cost?

How much car insurance do I need in Arkansas?

Best Overall Insurer in Arkansas: Travelers

Travelers

Best Overall and for Young Drivers

MoneyGeek Rating

4.8/ 5

4.9/5Affordability

4.9/5Customer Experience

3.9/5Coverage Points

Average Monthly Full Coverage Cost
$89
Average Monthly Minimum Coverage Cost
$41
Agent Service Score
4.2/5
Most Unique Coverage Add-On
IntelliDrive Plus Program

pros
- Ranks first overall among Arkansas car insurance providers
- Ranks second for customer experience and service quality
- Best choice for young drivers seeking comprehensive coverage
- Strong financial stability with excellent claims handling process
cons
- Limited coverage options compared to other major insurers
- Fewer discount programs available for Arkansas drivers
Travelers earns MoneyGeek's highest score (4.8 out of 5) among Arkansas insurers, tied with Auto-Owners. The company ranks first overall with strong performance across affordability, customer service and coverage options.

Travelers offers competitive rates for both clean-record drivers and those with violations. Arkansas drivers get comprehensive coverage at rates 4% below state averages, saving about $60 annually.
Travelers' monthly premiums range from $41 for minimum coverage to rates varying by driver profile for full coverage. Most drivers with clean records pay $80 to $100 monthly for full coverage. Young drivers pay $170 to $340 monthly.

These rates run 4% below Arkansas averages, saving drivers about $60 annually.

The IntelliDrive Plus telematics program can reduce premiums by up to 30% for safe driving habits. Multi-policy bundling saves 5% to 25% on combined coverages. Additional discounts include safe driver rewards and vehicle safety feature discounts.
Customer experience scores 4.9 out of 5, second among Arkansas insurers. The mobile app receives positive reviews for claims filing, policy management and digital ID card access. Claims processing runs five to seven business days on average.

Customer service runs 24/7 with average wait times under five minutes during business hours. Local adjusters throughout Arkansas respond quickly to weather-related claims. The company's digital platform streamlines routine insurance tasks.
Coverage options score 3.9 out of 5. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Arkansas minimums (25/50/25) to 250/500/100. Deductibles flex from $250 to $2,000.

Travelers' features:
- IntelliDrive Plus Program: Telematics-based discounts for safe driving
- New car replacement: Full cost for vehicles totaled in crashes
- Accident forgiveness: First at-fault crash won't spike rates after qualifying period
- Gap insurance: Pays difference between car's value and loan balance
- Rental reimbursement: Daily coverage when your car's in the shop
- Roadside assistance: 24/7 towing, battery jumps and lockout services

Best Cheap Company in Arkansas: Farm Bureau

Farm Bureau

Best Cheap Car Insurance

0/5Affordability

0/5Customer Experience

0/5Coverage Points

Average Monthly Full Coverage Cost
$88
Average Monthly Minimum Coverage Cost
$32
Agent Service Score
Provider not found/5
Most Unique Coverage Add-On
Provider not found

pros
- Ranks first for affordability among Arkansas insurers
- Best choice for drivers seeking cheap car insurance
- Strong financial backing from cooperative member ownership
- Competitive rates for both minimum and full coverage
cons
- Limited coverage options compared to major competitors
- Fewer digital tools and online service features
Farm Bureau earns a 4.7 out of 5 MoneyGeek score and ranks third overall among Arkansas insurers. The company leads in affordability with a perfect 5.0 rating, offering the lowest rates at $86 monthly for full coverage.

Farm Bureau's mutual structure allows the company to return profits to policyholders rather than shareholders. As a local insurer with deep Arkansas roots, Farm Bureau combines competitive pricing with personalized agent service.
Farm Bureau offers Arkansas' most affordable rates. Adult drivers pay $86 monthly for full coverage. State minimum coverage costs $32 monthly.

Clean-record adults pay $75 to $95 monthly for full coverage. Drivers with speeding tickets pay $94 monthly for full coverage, beating most competitors in this category.

The mutual company structure returns profits to policyholders rather than shareholders. Multi-policy bundling and safe driver discounts provide additional savings.
Customer experience scores 4.7 out of 5. Farm Bureau's network of local agents provides personalized service and faster claims resolution during severe weather events common in Arkansas. Claims processing runs seven to 10 business days on average.

The mobile app handles basic policy management tasks like ID cards, payments and claim tracking. Complex claims benefit from direct agent contact. Phone support runs through local agents who understand regional risks like tornadoes and hailstorms.
Coverage options score 2.5 out of 5, reflecting Farm Bureau's focus on essential protections rather than extensive add-ons. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Arkansas minimums (25/50/25) to 250/500/100.

Coverage options:
- Roadside assistance: Towing and emergency services
- Rental reimbursement: Daily coverage while your car's repaired
- Essential protections: Focuses on core coverage rather than extensive add-ons

Best Insurer for Low Income: Auto-Owners

Auto-Owners

Best for Drivers With Low Income or Old Cars

0/5Affordability

0/5Customer Experience

0/5Coverage Points

Average Monthly Full Coverage Cost
$93
Average Monthly Minimum Coverage Cost
$38
Agent Service Score
Provider not found/5
Most Unique Coverage Add-On
True Blue Auto Coverage

pros
- Ranks second overall among Arkansas car insurance providers
- Ranks first for customer experience and service quality
- Best choice for drivers with low income or older vehicles
- Strong financial stability with consistent claims handling
cons
- Limited coverage options compared to other major insurers
- Fewer add-on protections available for comprehensive needs
Auto-Owners earns a 4.8 out of 5 MoneyGeek score and ties with Travelers for first overall among Arkansas insurers. The company ranks first in customer experience with a perfect 5.0 rating, making it ideal for drivers with low income or older vehicles.

Auto-Owners' mutual company structure focuses on policyholder service rather than shareholder profits. The company offers quality coverage options alongside competitive rates for budget-conscious drivers.
Auto-Owners offers competitive rates for Arkansas drivers. Adult drivers pay $90 monthly for full coverage. State minimum coverage costs $38 monthly.

Drivers with low income or older vehicles pay competitive rates across driver profiles. Clean-record adults pay $80 to $100 monthly for full coverage.

Multi-policy bundling saves around 10% to 15%. Safe driver discounts and other programs provide additional savings. The mutual company structure means policyholders share in company profits rather than paying dividends to external shareholders.
Customer experience scores a perfect 5.0, first among Arkansas insurers. Auto-Owners maintains agents throughout Arkansas who provide personalized support and claims assistance. Claims processing runs seven to 10 business days on average.

The mutual company structure focuses on policyholder service rather than shareholder profits. Local agents understand regional challenges like severe weather and rural driving. Phone support handles claims and policy questions with typical wait times under five minutes.
Coverage options score 3.4 out of 5, reflecting Auto-Owners' focus on core protections rather than extensive add-ons. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Arkansas minimums (25/50/25) to 250/500/100. Deductibles flex from $250 to $2,000.

Coverage options include:
- True Blue Auto Coverage: Enhanced protection package for qualifying drivers
- Rental reimbursement: Daily coverage when your car's in the shop
- Roadside assistance: 24/7 towing, battery, fuel and lockout help
- Loan/lease gap coverage: Pays difference between vehicle value and loan balance

How to Find the Best Car Insurance in Arkansas

Securing quality car insurance in Arkansas goes beyond grabbing the first quote online. Smart drivers balance affordable premiums with solid coverage and reliable customer service. The right combination depends on your driving record, vehicle and budget.

1
Know Arkansas Insurance Requirements
Before comparing quotes, understand what Arkansas requires: $25,000 bodily injury coverage per person, $50,000 per accident and $25,000 property damage coverage. Arkansas recommends but doesn't require uninsured motorist coverage.

Most drivers need more than these minimums to protect their assets. If you finance your vehicle, your lender will require comprehensive and collision coverage.

Consider your vehicle's value when choosing coverage. A 12-year-old truck worth $8,000 probably doesn't need collision coverage, but skipping comprehensive on a $30,000 newer SUV could cost you thousands after one hail storm.
2
Research Typical Costs
Full coverage car insurance in Arkansas costs $1,000 to $1,300 per year on average. Your actual rate depends on your age, driving history, credit score, location and vehicle type.
Use this range to spot overpricing. Seeing quotes over $2,000 annually for standard coverage with a clean record means you're likely paying too much.
Your ZIP code affects your rate since urban areas like Little Rock cost more than rural counties. Vehicle safety ratings, annual mileage and education level also influence premiums with many insurers.
3
Find Available Discounts
Arkansas drivers can access multiple car insurance discounts to lower premiums. Bundling home and auto policies often saves 10% to 20%. Good student discounts reward young drivers maintaining B averages with potential savings up to 25%.
Arkansas-approved defensive driving courses can reduce your premium by 10% to 15%. Usage-based programs like Progressive's Snapshot and State Farm's Drive Safe & Save track driving habits and can save safe drivers up to 50%.
Ask about vehicle safety discounts for anti-theft systems, airbags or electronic stability control features.
4
Compare Companies Beyond Price
Affordable insurance means more than finding the lowest premium. A $45 monthly policy with poor claims handling isn't better than a $60 policy from an insurer known for quick, fair settlements.
Read customer reviews focusing on claims experiences. Check AM Best financial stability ratings to ensure the company can pay claims. Review coverage options and flexibility.
In Arkansas, State Farm and GEICO maintain strong reputations for reliability and comprehensive coverage options. Progressive offers extensive add-ons while Farm Bureau provides competitive rates for rural drivers.
5
Get Multiple Quotes
Obtain car insurance quotes from at least three to five companies using different methods. Contact insurers directly, work with independent agents and try online comparison tools for the broadest selection.
Independent agents often access regional insurers not available through comparison websites. These local companies may offer competitive rates specific to Arkansas drivers and understand state-specific needs better.
Provide identical information to every insurer including the same coverage limits, deductibles and driver details. Otherwise, you're comparing different products rather than finding the best price for identical protection.
6
Review Annually
Insurance prices change constantly as companies update rates and underwriting standards throughout the year. Set a calendar reminder to review your coverage and request new quotes every 12 months.
Life changes affect your rates. Buying a home, paying off your car loan, adding a teen driver or moving all impact what you pay. Many Arkansas drivers overpay by keeping outdated coverage or failing to switch when better deals become available.

Best Car Insurance Coverage in Arkansas

State minimums often don't provide enough financial protection for real accident costs. Arkansas ranks 46th nationally for traffic safety, meaning crashes happen far more often than in safer states.

An emergency room visit costs $600 to $3,000 on average nationwide. A serious trauma case at UAMS Medical Center in Little Rock or Mercy Hospital in Fort Smith costs $100,000 or more. Minor vehicle repairs alone typically exceed $15,000.

Minimum coverage won't protect you if you cause a multi-vehicle accident on I-40, I-30 or I-49. Lawsuits will drain your savings and garnish your wages.

Arkansas records 19 traffic deaths per 100,000 residents compared to the national average of 12. With 17% of drivers uninsured, roughly 400,000 drivers operate without required coverage. These statistics make robust liability coverage and uninsured motorist protection valuable for Arkansas drivers.

MoneyGeek recommends these coverage levels for Arkansas drivers:

Liability: 100/300/100 ($100,000 per person, $300,000 per accident, $100,000 property damage) costs just $20 to $30 more monthly than Arkansas' 25/50/25 minimums and covers most Arkansas drivers adequately.

Drivers with substantial assets (homeowners, business owners or high earners) should choose 250/500/100 limits. This costs $25 to $40 more monthly than minimums but protects your assets if you cause a serious accident. Given Arkansas' higher-than-average traffic fatality rate, adequate liability limits protect your financial future.

Comprehensive and Collision: Add full coverage if your vehicle is worth more than $4,000 or carries a loan. Choose $500 or $1,000 deductibles based on your emergency savings—a $500 deductible costs $20 to $30 more monthly than $1,000 but lowers your out-of-pocket costs after incidents.

Comprehensive coverage matters in Arkansas, where severe weather like tornadoes and hailstorms damage thousands of vehicles annually. Vehicle theft rates in cities make comprehensive coverage smart for urban residents. Collision coverage becomes crucial in heavy traffic areas like Little Rock and during tourist seasons in Hot Springs, where accident rates climb.

Uninsured/Underinsured Motorist: Arkansas doesn't require this coverage, but you should carry limits matching your liability coverage. With roughly 400,000 uninsured drivers on Arkansas roads (17% of all motorists), this protection becomes essential when at-fault drivers can't pay for your damages. Underinsured coverage fills gaps when responsible parties carry only minimum limits insufficient for your medical bills and repairs.

Medical Payments: $5,000 to $10,000 covers immediate medical expenses after accidents regardless of fault. In Arkansas' at-fault system, this coverage pays quickly without waiting for liability determinations. You avoid out-of-pocket costs while claims work through the system.

Medical payments coverage costs about $20 monthly for recommended amounts, which is worth it given Arkansas' high accident and injury rates.

Additional Coverage to Consider: Rental reimbursement ($30 to $50 daily) covers transportation costs while your car is in the shop. Roadside assistance provides towing, battery service and lockout help for $15 to $25 annually.

Gap insurance matters if you owe more on your vehicle loan than the car's current value. It protects you from paying thousands out of pocket if your financed vehicle gets totaled.

Finding the Best Car Insurance Rates in Arkansas

Arkansas' competitive insurance market and consumer-friendly regulations keep car insurance rates affordable for most drivers. State minimum coverage costs just $39 monthly, ranking Arkansas first nationally for affordable basic coverage.

Full coverage runs $54 more monthly than the state minimum. Average premiums hit $93 monthly for full coverage with a $1,000 deductible, 7% below the national average.

Compare your quotes with these averages using the table or our Arkansas car insurance calculator.

Data filtered by:


Not At Fault Accident ($1000-$1999 Prop Dmg)	$39	$93	2
Clean	$39	$93	1
Texting While Driving	$46	$116	3
Speeding 11-15 MPH over limit	$47	$118	4
At Fault Accident ($1000-$1999 Prop Dmg)	$56	$136	7
DUI - BAC >= .08	$60	$146	10

HOW VIOLATIONS AFFECT YOUR RATES IN ARKANSAS

Arkansas rates are hit the hardest by DUI convictions, raising premiums by 57% along with SR-22 filing requirements. At-fault accidents bump premiums 46% while texting violations add 24% increases, typically costing an extra $23 monthly for full coverage policies in the Natural State.

Best Arkansas Auto Insurance: Bottom Line

Travelers ranks first for most Arkansas drivers with a 4.8 overall score (tied with Auto-Owners), balancing competitive rates ($89 monthly full coverage), excellent customer service and comprehensive coverage options. Your priorities determine the best choice: Farm Bureau offers the most affordable rates at $86 monthly for drivers with clean records, and Auto-Owners excels for drivers with low income through perfect customer experience scores and competitive rates.

Compare quotes from at least three insurers. Your age, driving record and coverage needs determine which company offers the best value, as rates vary widely by driver profile.

Best Auto Insurance in Arkansas: FAQ

Finding suitable car insurance depends on your unique circumstances. Understanding common insurance questions helps drivers select appropriate coverage for their needs.

What do I need to get car insurance in Arkansas as a new resident?

New Arkansas residents need a valid driver's license, vehicle registration and VIN for each vehicle. Most insurers require your Social Security number to check your credit score, which affects your rate.

You must get coverage within 30 days of establishing residency. You'll also need to provide your five-year driving history, including any accidents and violations.

Transferring from another state? Update your existing policy to meet Arkansas' minimum requirements of 25/50/25.

Can I drive in Arkansas with out-of-state insurance?

You can drive temporarily with valid out-of-state insurance as long as it meets Arkansas' minimum requirements. If you establish residency (get a job, register to vote or stay more than six months), you must get Arkansas insurance and register your vehicle within 30 days.

Military members stationed in Arkansas can keep their home-state insurance but should verify that their policy meets state standards of 25/50/25.

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

Driving without insurance results in immediate license suspension and civil penalties up to $250 for first-time offenders. Repeat violations within three years bring higher fines and possible vehicle registration revocation. Arkansas requires SR-22 certification for three years after the offense, significantly increasing insurance costs. If you cause an accident while uninsured, you're personally liable for all medical bills and property damage with no insurance protection.

How do I switch car insurance companies in Arkansas?

Purchase your new policy before canceling coverage to avoid gaps that could trigger license suspension. Start your new policy the same day or the day after your old policy ends. Request cancellation in writing from your current insurer with your policy number and cancellation date. Most Arkansas insurers don't charge cancellation fees for policies over six months old. You'll receive prorated refunds for any unused coverage paid in advance.

Does Arkansas offer car insurance discounts for military members?

Most Arkansas insurers offer military discounts ranging from 4% to 15% for active-duty members, veterans and military spouses. USAA, GEICO, Armed Forces Insurance and Navy Federal specialize in military coverage. Ask about storage discounts during deployment, emergency payment extensions, military defensive driving course discounts and waived deductibles for vehicles damaged during deployment.

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%): We looked at quotes for different driver profiles and compared rates within Arkansas. Our main rating is based on a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also checked other combinations to ensure you find the right fit.
Customer experience (30%): 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%): 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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