Farm Bureau offers Arkansas's most affordable car insurance, with monthly rates of $32 for minimum coverage and $88 for full coverage. Drivers save $24 monthly (28%) compared to state averages. Get quotes from other affordable providers like Travelers, Auto-Owners, GEICO and Shelter too.
Cheapest Car Insurance in Arkansas
Updated: August 18, 2025
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Key Takeaways
Farm Bureau, Travelers and Auto-Owners are the cheapest car insurance companies for most Arkansas drivers, with average savings of up to 28%.
Car insurance costs can be as low as $24 monthly for minimum coverage and $88 for full coverage policies on average in Arkansas.
To get the cheapest car insurance in Arkansas, research average costs and top companies, take advantage of discounts and compare quotes from multiple providers.
Who Has the Cheapest Car Insurance in Arkansas?
| Farm Bureau | $32 | $88 | -28% |
| Travelers | $41 | $89 | -22% |
| Auto Owners | $38 | $93 | -22% |
| Geico | $39 | $97 | -19% |
| Shelter Insurance | $45 | $107 | -9% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN ARKANSAS
We've created additional guides below to help you in your search for the best and cheapest car insurance in Arkansas:
Best Car Insurance Rates by Category in Arkansas
Farm Bureau offers the cheapest rates for seven out of our 10 driver categories in Arkansas, including young drivers and those with violations, while Alfa stands out with the lowest rates in two categories for drivers with financial challenges. Find your specific rates in the table:
| Young Drivers | Farm Bureau | $65 |
| Adult Drivers | Farm Bureau | $32 |
| Senior Drivers | Farm Bureau | $43 |
| Drivers With An Accident | Farm Bureau | $42 |
| Drivers With A DUI | Farm Bureau | $40 |
| Drivers With A Speeding Ticket | Farm Bureau | $36 |
| Drivers With Bad Credit | Alfa Insurance | $35 |
| Drivers With Low Income | Alfa Insurance | $35 |
| Drivers With Newer Cars | Travelers | $40 |
| Drivers With Old Cars | Farm Bureau | $24 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Arkansas for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Hallmark offers the lowest rates at $238 monthly for drivers with poor credit and an accident who want 100/300/100 coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Hallmark Insurance | $238 | $2,850 | -37% |
| Alfa Insurance | $241 | $2,888 | -36% |
| Farm Bureau | $260 | $3,118 | -31% |
| Travelers | $287 | $3,445 | -23% |
| Shelter Insurance | $308 | $3,692 | -18% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Arkansas by City
Where you live in Arkansas affects your insurance costs based on local crime, accidents and traffic density. Farm Bureau charges as little as $27 in some cities but up to $42 in others. Here are the cheapest providers for every Arkansas city.
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City:Adona
| Adona | Farm Bureau | $28 | -34% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Arkansas By Driver Age Group
We analyzed car insurance rates across Arkansas for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can get the lowest rates from Farm Bureau: starting at $65 per month
- Adult drivers find the best deals with Farm Bureau: rates from $32 per month
- Senior drivers see the most affordable coverage through Farm Bureau: beginning at $43 per month
Cheapest Car Insurance For Young Drivers in Arkansas
Young drivers in Arkansas get their best rates from Farm Bureau. Minimum coverage costs $65 per month, saving drivers 50% compared to other providers. Farm Bureau also leads for full coverage at $151 monthly, saving young drivers 51%.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Farm Bureau | $65 | $780 | -50% |
| Alfa Insurance | $71 | $849 | -45% |
| Travelers | $83 | $994 | -36% |
| Auto Owners | $95 | $1,138 | -27% |
| Geico | $105 | $1,262 | -19% |
Cheapest Car Insurance For Adult Drivers in Arkansas
Farm Bureau offers Arkansas's lowest rates for adult drivers: $32 monthly for minimum coverage and $86 for full coverage.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Farm Bureau | $32 | $383 | -34% |
| Auto Owners | $37 | $448 | -23% |
| Geico | $38 | $456 | -22% |
| Alfa Insurance | $38 | $457 | -22% |
| Travelers | $41 | $496 | -15% |
Cheapest Car Insurance For Senior Drivers in Arkansas
Farm Bureau offers Arkansas seniors the most affordable car insurance rates for both coverage types. Full coverage costs $1,224 annually, while minimum coverage runs $513 per year.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Farm Bureau | $43 | $513 | -37% |
| Shelter Insurance | $48 | $572 | -30% |
| Alfa Insurance | $51 | $606 | -26% |
| Geico | $51 | $610 | -25% |
| Travelers | $58 | $695 | -15% |
Cheapest Car Insurance For High-Risk Drivers in Arkansas
We studied four core areas for profiles insurers consider high-risk in Arkansas including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: Alfa (From $36/mo)
- Cheapest With a DUI: Farm Bureau (From $39/mo)
- Cheapest With an Accident: Farm Bureau (From $42/mo)
- Cheapest With a Speeding Ticket: Farm Bureau (From $35/mo)
Cheapest Car Insurance For Bad Credit in Arkansas
Alfa offers Arkansas drivers with bad credit the most affordable rates for both coverage types. Annual premiums start at $435 for minimum liability coverage and $1,550 for full coverage policies.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Alfa Insurance | $36 | $435 | -70% |
| Hallmark Insurance | $90 | $1,079 | -26% |
| Farm Bureau | $95 | $1,142 | -22% |
| Geico | $101 | $1,211 | -17% |
| Shelter Insurance | $107 | $1,282 | -12% |
Cheapest Car Insurance With a DUI in Arkansas
Farm Bureau offers Arkansas's lowest rates for drivers with DUIs: $473 annually for minimum coverage and $1,249 for full coverage.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Farm Bureau | $39 | $473 | -45% |
| Progressive | $56 | $678 | -21% |
| Travelers | $58 | $695 | -19% |
| Alfa Insurance | $62 | $749 | -12% |
| Hallmark Insurance | $67 | $798 | -6% |
Cheapest Car Insurance With an Accident in Arkansas
Arkansas drivers with an accident on their record can find the most affordable coverage through Farm Bureau at $42 per month ($502 annually).
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Farm Bureau | $42 | $502 | -42% |
| Travelers | $54 | $653 | -24% |
| Geico | $57 | $683 | -21% |
| Auto Owners | $57 | $683 | -21% |
| Alfa Insurance | $66 | $797 | -7% |
Cheapest Car Insurance With an Speeding Ticket
Arkansas drivers with speeding tickets can find the lowest insurance rates with Farm Bureau. The provider offers minimum coverage at $422 per year, while full coverage costs $1,114 annually.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Farm Bureau | $35 | $422 | -41% |
| Auto Owners | $42 | $507 | -29% |
| Geico | $47 | $570 | -20% |
| Travelers | $51 | $612 | -15% |
| Alfa Insurance | $58 | $700 | -2% |
How to Get the Cheapest Car Insurance in Arkansas
Comparing prices alone won't get you the lowest rates in Arkansas. Here are proven ways to save the most on auto insurance.
- 1
Compare Multiple Insurance Providers
Get quotes from at least three companies through different channels: directly from insurers, independent agents and comparison sites. Your rates can vary widely depending on how you get quotes, so try all these options.
- 2
Determine Your Coverage Needs
Figure out what coverage you need before you shop. This helps you avoid paying for extras you don't need while getting enough financial protection.
- 3
Consider Lower Coverage Amounts
Lower your coverage levels and raise your deductibles if you're trying to cut costs. First check your finances, how much you drive and what your car is worth to make sure this makes sense.
- 4
Research Costs and Discounts
Look up average costs for drivers like you so you know what's normal. Check what discounts you qualify for and see if bundling home and auto insurance saves you money.
- 5
Explore Alternative Insurance Options
Check out pay-per-mile insurance or telematics programs that track your driving if you don't drive much. These options can save you money compared to regular policies.
- 6
Improve Your Risk Profile
Improve your credit score and keep a clean driving record. Better credit and safe driving usually mean lower rates over time.
- 7
Choose a Cost-Effective Vehicle
Pick a car that's cheaper to insure if you're buying one. Older, reliable cars usually cost less for insurance and repairs than newer or luxury models.
Risks of Getting the Cheapest Car Insurance in Arkansas
Arkansas requires drivers to carry liability car insurance with minimum coverage of 25/50/25. This means you need $25,000 for injuries to one person, $50,000 total for injuries per accident and $25,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Arkansas, average property damage claims reached $4,711 nationwide in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Arkansas gets hit with severe weather that damages cars regularly. Weather-related incidents cause significant property damage annually, according to the National Centers for Environmental Information, and the state averages 33 tornadoes annually. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against storms, hail and flooding.
Bodily injury damage is more likely to be higher than the minimum limits
Serious injuries can quickly exceed Arkansas's $25,000 minimum per person. Average bodily injury claims reached $20,235 nationwide in 2023, according to the Insurance Information Institute, and medical costs keep rising. Consider increasing coverage to 50/100/50 limits for better financial protection.
Not having uninsured motorist coverage opens you up to unexpected costs
Arkansas has a serious uninsured driver problem, with 16.3% of drivers lacking insurance, according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these common scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Arkansas. Vehicle thefts increased nationwide in 2023, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in Arkansas: Bottom Line
Farm Bureau offers the lowest car insurance rates in Arkansas for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Arkansas: FAQ
Below, we answer common questions about affordable car insurance in Arkansas to help you find the right coverage.
What are the cheapest car insurance companies in Arkansas?
Farm Bureau provides the most affordable car insurance in Arkansas, with average annual rates of $384 for minimum coverage and $1,056 for full coverage. Travelers, Auto-Owners, GEICO and Shelter also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Arkansas?
Farm Bureau provides the most budget-friendly rates for young drivers in Arkansas, with monthly premiums starting at $65.
Who offers the cheapest car insurance rates for seniors in Arkansas?
Senior drivers in Arkansas can find the lowest rates with Farm Bureau, offering monthly premiums around $43 for drivers aged 65 and up.
Who has the cheapest car insurance in Arkansas for bad credit?
Alfa provides the lowest rates for bad-credit drivers in Arkansas, with monthly premiums averaging $36 for minimum coverage and $129 for full coverage.
Who has the cheapest car insurance in Arkansas with an accident?
Farm Bureau offers the lowest rates for Arkansas drivers with an accident history at $42 per month for minimum coverage and $112 for full coverage.
Who has the cheapest car insurance in Arkansas with a DUI?
Farm Bureau provides the cheapest car insurance after a DUI in Arkansas, with rates of $39 per month for minimum coverage and $104 per month for full coverage.
Who has the cheapest car insurance in Arkansas for those with a speeding ticket?
Farm Bureau provides the lowest rates for Arkansas drivers with a speeding ticket, charging $35 monthly for minimum coverage and $93 for full coverage.
Should you buy the cheapest car insurance in Arkansas?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Farm Bureau balances low prices with solid coverage options in Arkansas.
How We Found the Most Affordable Car Insurance in Arkansas
MoneyGeek collected auto insurance data from the Arkansas Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Arkansas.
Arkansas Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Arkansas
We compared car insurance companies in Arkansas that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Arkansas.
The minimum coverage liability limits in Arkansas are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
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.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 18, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 18, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed August 18, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 18, 2025.