Here are essential tips to help you shop for car insurance confidently and save in The Natural State.
Car Insurance Calculator Arkansas
Updated: May 12, 2025
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Get Arkansas Car Insurance Estimates
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$155
High
$114
Average
$64
Low
Rates updated:
May 23, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
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Key Takeaways
Your Arkansas car insurance estimate will be calculated by insurers based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Arkansas can range anywhere from $518 to $2,485 per year depending on a variety of factors.
To get the best deal on Arkansas car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Arkansas Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
To prevent opting for more coverage than necessary, determine your coverage level before shopping. Consider your location, driving habits, vehicle and finances. Use our calculator to find how much coverage you need.
Research Costs and Discounts for You
Research average car insurance costs in Arkansas for your chosen coverage and driver profile to understand savings when comparing quotes. Also, explore discounts you may qualify for to discuss with agents for personal savings.
Research the Cheapest Providers for You
With your coverage level and cost research, seek provider estimates before obtaining quotes. This helps identify where to begin comparing and who offers the cheapest car insurance in California for you. Use our calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing providers can save significantly in Arkansas, with potential savings of up to 54% on full coverage and 57% on minimum coverage. Utilize comparison sites, brokers, insurer websites and direct agencies for varied pricing on the same coverage.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance suit those who drive less. Telematics insurance rewards good driving with discounts up to 40%. Automakers' insurance programs may offer savings and added benefits over traditional options.
What Affects Your Arkansas Car Insurance Estimates?
Your car insurance premium in Arkansas is calculated based on four core areas: vehicle details, your driver profile, location and the provider you choose. Learn more about how each affects rates specific to Arkansas drivers:
How Much Does Provider Chosen Affect Arkansas Car Insurance Estimates?
The provider you choose is the most influential factor affecting the car insurance estimates and quotes in Arkansas. Depending on the provider, your rates can drop 36% or increase by as much as 86% compared to the average for Arkansas drivers.
| Lowest | Southern Farm Bureau | $71 | $857 |
| Highest | Dairyland | $207 | $2,485 |
How Much Does Age Affect Arkansas Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for Arkansas drivers. Depending on your age, your rates can go up as much as 119% or decrease by as much as 49% compared to state averages. No matter which state you're in, car insurance will typically be highest when you are 16, and decrease from there until you are 65.
| Lowest | 24 | $99 | $1,191 |
| Highest | 16 | $423 | $5,074 |
How Much Does Credit Affect Arkansas Car Insurance Estimates?
We found that compared with other factors, credit scores are the third most impactful when insurance companies are determining rates. Depending on your credit, we found that in Arkansas, rates can vary from $73 to $170 monthly for full coverage, but as your credit score goes up, your rates will go down.
| Lowest | Excellent | $73 | $874 |
| Highest | Poor | $170 | $2,045 |
How Much Does Coverage Affect Arkansas Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates in Arkansas, causing rates to vary anywhere from $518 per year for minimum coverage to $1,585 yearly for maximum coverage. The higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $43 | $518 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $132 | $1,585 |
How Much Does Driving Record Affect Arkansas Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Arkansas with rates changing up to 15%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $111 | $1,333 |
| Highest | Accident | $163 | $1,953 |
Arkansas Car Insurance Calculator: Bottom Line
Before you dive in, we recommend looking into the costs, coverage options and different companies. Then, use our car insurance calculator for an estimate. After that, gather lots of quotes. Compare them with our numbers to find an affordable plan that fits you just right.
Arkansas Car Insurance Estimate: FAQ
Below you will find answers to common questions about Arkansas car insurance costs and estimates:
What is used to determine Arkansas car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there, the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Arkansas car insurance on average?
The average cost of car insurance in Arkansas can range from $47 per month to up to $190 monthly on average.
How do I get the best car insurance in Arkansas?
To find the best car insurance in Arkansas, assess your needed coverage level, compare provider prices, and utilize a car insurance calculator for tailored options.
Our Arkansas Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
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.