Cheapest Car Insurance in Arkansas

Compare the monthly car insurance rates in Arkansas below based on your age and driving history to find the cheapest company:

Cheapest by coverage type

• Full coverage: Farm Bureau, $86
• Minimum coverage: Farm Bureau, $32

Cheapest by driver age

• Teen drivers (16): Farm Bureau, $105
• Young drivers (20): Farm Bureau, $64
• Seniors (65+): Farm Bureau, $43

Cheapest by driving record

• Speeding ticket: Farm Bureau, $36
• At-fault accident: Farm Bureau, $42
• DUI: Farm Bureau, $40
• Bad credit: Alfa, $37

Rates refreshed: November 2, 2025

Arkansas drivers get the cheapest minimum liability coverage car insurance with Farm Bureau at $32 monthly or $380 annually, or 18% below the state average.  The second least expensive option is Alfa at $36 per month.

Arkansas requires $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage (25/50/25). The state follows standard liability requirements without unique requirements like personal injury protection. See our guide to how much car insurance you need.

Arkansas drivers pay the least with Farm Bureau for cheapest full coverage car insurance at $86 monthly, or 11% below the state average. Travelers is the second cheapest at $88 a month and Auto-Owners is $89.

Full coverage gives you comprehensive and collision protection with your liability policy. Collision pays for vehicle repairs when you cause an accident and comprehensive covers damage from severe weather, theft and weather events that are more common in Arkansas.

The lowest minimum coverage rates by city range from $30 in Fayetteville to $37 in Little Rock, while the cheapest full coverage rates range from $73 in Fayetteville to $85 in Little Rock. 

Auto Owners is the cheapest provider across most of the state’s largest cities. The table below provides the cheapest rates by city in Arkansas, with the most affordable provider offering savings of up to 40%.

For 16-year-olds in Arkansas, Farm Bureau has the cheapest car insurance at $105 monthly for minimum coverage and $218 for full coverage. Alfa provides competitive rates for older teens, with minimum coverage as low as $79 monthly at age 18. 

By age 20, Farm Bureau's minimum coverage drops to $64 monthly and full coverage to $150 monthly.  Teen drivers can save the most money by being added to a family policy and qualifying for good student discounts.

Farm Bureau offers the cheapest car insurance for most seniors, with minimum coverage at $43 monthly for 65-year-olds and just $30 monthly for 70-year-olds. Full coverage starts at $81 monthly for 70-year-olds. 

Travelers and Shelter have cheaper rates than Farm Bureau for some ages. Seniors can save more by reducing their mileage estimate if they drive less and through senior discounts and defensive driving classes.

Arkansas drivers with a DUI find their cheapest option with Farm Bureau at $40 monthly for minimum coverage or $103 for full coverage. Travelers offers another affordable choice at $135 monthly for full coverage. Expect your DUI to increase rates, but you can still find cheap options after a DUI by comparison shopping.

After an at-fault accident in Arkansas, Farm Bureau offers the cheapest coverage at $42 monthly for minimum and $111 for full coverage. Travelers ($55) and GEICO ($57) are budget-friendly options.

In Arkansas, accidents stay on your insurance record for three years. Expect rate increases lasting three years. After your accident has lapsed you can shop for cheaper rates.

After a speeding ticket in Arkansas, Farm Bureau is the cheapest minimum coverage at $36 monthly and full coverage costs at $93 monthly. Auto-Owners offers low rates at $43 monthly for minimum and $120 for full coverage. Expect your rates in Arkansas to jump 15% to 25% on average after a ticket.

For drivers with poor credit, Alfa Insurance offers the most affordable minimum coverage at $37 monthly - a great rate with bad credit.  Hallmark Insurance ($90 monthly) and Farm Bureau ($96 monthly) provide the next cheapest options. Arkansas insurers use credit scores when determining your rate, making it one of the most impactful factors on your premium.  You'll see insurers other than Alfa have much higher rates.

Boosting your credit score by 50 to 100 points typically reduces your insurance rates within six months to a year. Compare quotes every six months while rebuilding credit since insurers evaluate credit scores differently when setting premiums.

Arkansas drivers face unique challenges from frequent severe weather, tornado risks and higher-than-average uninsured motorist rates that drive up premiums statewide. Here's how you can beat the increasing costs of car insurance in Arkansas and get a better rate:

Our insurance experts answer common questions about finding the most affordable car insurance coverage in Arkansas.

We gathered auto insurance data from the Arkansas Insurance Department and analyzed quotes from major insurers across all residential ZIP codes in Arkansas. Our analysis included more than 47 million rate comparisons in Arkansas to find the cheapest options for different driver profiles, coverage types, and demographics. For detailed information on our research methodology, see our complete methodology guide.