Cheapest Car Insurance in Arkansas for 2026

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Updated: May 6, 2026

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Farm Bureau is the cheapest car insurance in Arkansas for most drivers, with rates starting at $32/month for minimum coverage and $86/month for full coverage. It also has the lowest rates after speeding tickets ($93/month), DUIs ($102/month) and texting violations ($93/month). Alfa is cheapest for drivers with bad credit at $129/month.

Cheapest in Arkansas by coverage type

Cheapest by city

Cheapest by driver age

Cheapest by driving record

MoneyGeek analyzed 11 companies across all Arkansas ZIP codes. Our baseline is a 40-year-old driver with a clean record and good credit, for a 100/300/100 full coverage policy with a $1,000 deductible. Young driver analysis uses family policy rates for ages 16 to 25, with separate Girls and Boys tables. Senior rates are for drivers age 65 and older. Violation profiles include speeding ticket, at-fault accident, DUI conviction and texting while driving. Bad credit profile uses a poor credit score. Arkansas minimum coverage is 25/50/25: $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage. Data are from Quadrant Information Services.

Cheapest Minimum and Full Coverage Car Insurance in Arkansas

At $32/month for minimum coverage and $86/month for full coverage, Farm Bureau offers the lowest car insurance rates in Arkansas. Allstate is the most expensive for minimum coverage at $79/month, and Hallmark tops full coverage at $158/month. Drivers who go with Farm Bureau over Hallmark save $72/month, or $864/year.

Arkansas requires minimum coverage of 25/50/25: $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage. That floor leaves real gaps. An at-fault accident with $40,000 in bodily injury for one person exceeds the per-person limit by $15,000, a shortfall the standard 100/300/100 policy covers in full. 

Drivers can estimate their exposure with the car insurance calculator for Arkansas. Coverage limits also affect how much car insurance you need, especially when comparing the best car insurance in Arkansas.

Farm Bureau
$32
$86
Auto-Owners
$37
$90
GEICO
$38
$94
Alfa Insurance
$38
$127
Travelers
$41
$89
Shelter Insurance
$45
$107
Progressive
$49
$132
Nationwide
$51
$125
Farmers
$61
$140
Hallmark Insurance
$65
$158
Allstate
$79
$155

Cheapest Car Insurance by City in Arkansas

Auto-Owners is the cheapest provider across the largest Arkansas cities, with rates of $73/month in Fayetteville, $74/month in Fort Smith and $85/month in Little Rock. Pine Bluff is the most expensive of the 10 analyzed cities at $86/month, still below the $116/month statewide full coverage average. Farm Bureau leads statewide but does not consistently lead in urban ZIP codes, where Auto-Owners rates are more competitive.

Provider choice matters more than city. Farm Bureau at $86/month versus Hallmark at $158/month in the same ZIP code is a $72/month gap. Comparing all 11 providers beats choosing based on city alone.

City
Cheapest Provider
Monthly Full Coverage

Fayetteville

Auto-Owners

$73

Fort Smith

Auto-Owners

$74

Springdale

Auto-Owners

$74

Bentonville

Auto-Owners

$74

Rogers

Auto-Owners

$75

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MONEYGEEK EXPERT TIP

"Farm Bureau leads six of seven categories in Arkansas, but it's not available directly to consumers in every state the way national carriers are. If Farm Bureau isn't accessible to you, Travelers is the consistent second choice across full coverage, speeding and the young driver age table from 17 to 25. The bad credit result is the critical outlier: Alfa at $129 a month is $81 a month cheaper than the second cheapest option. Drivers with poor credit who default to Farm Bureau or GEICO are overpaying by $117 to $126 a month. That’s about $1,400 to $1,500 a year in unnecessary premium. Always check Alfa first if your credit is below average." 

— Mark Fitzpatrick, Licensed Property and Casualty (P&C) Insurance Producer in Connecticut

Cheapest Car Insurance by Age in Arkansas

On standalone policies, Farm Bureau is cheapest for young adults at $145/month for girls and $151/month for boys. On family policies, Farm Bureau is cheapest for both genders at age 16, then Travelers takes over from ages 17 through 25. 

Boys pay more than girls at age 16 ($651/month vs. $528/month on a family policy), a $123/month gap that narrows quickly and disappears by age 21, where both pay $235/month or less with Travelers. Car insurance rates by age shows how Arkansas compares nationally.

Young Adult Drivers (Standalone, Female)
Farm Bureau
$145
Young Adult Drivers (Standalone, Male)
Farm Bureau
$151
Teen Drivers (16, Female, Family Policy)
Farm Bureau
$528
Teen Drivers (16, Male, Family Policy)
Farm Bureau
$651
Seniors (65+)
Farm Bureau
$102

Cheapest Car Insurance for High-Risk Drivers in Arkansas

Farm Bureau is cheapest across all four violation categories in Arkansas. For bad credit, Alfa leads at $129/month. The next cheapest option for that profile, Hallmark, costs $210/month, or $81/month more. Nationwide is the most expensive for DUI at $258/month, more than double the $116/month statewide full coverage average. 

Arkansas requires SR-22 filing after a DUI conviction. Drivers with bad credit should avoid Farm Bureau ($251/month), GEICO ($246/month) and Travelers ($255/month), each running $117 to $126/month more than Alfa for the same profile.

Violation
Cheapest Provider
Monthly Full Coverage

Speeding ticket

Farm Bureau

$93

At-fault accident

Farm Bureau

$110

DUI

Farm Bureau

$102

Texting while driving

Farm Bureau

$93

Bad credit

Alfa Insurance

$129

How to Get the Cheapest Car Insurance in Arkansas

Farm Bureau comes in cheapest in nearly every category in Arkansas, but Alfa is the critical exception for bad credit. These steps address the key decision points for Arkansas drivers.

  1. 1
    Default to Farm Bureau for most profiles

    Farm Bureau has the lowest rates for minimum coverage, full coverage, speeding, DUI, texting and seniors. If Farm Bureau quotes are available in your ZIP code, it is the starting point for all standard profiles.

  2. 2
    Use Alfa if your credit is below average

    Alfa at $129/month is $81 less than the second cheapest bad credit option. Farm Bureau, GEICO and Travelers each exceed $246/month for the bad credit profile, a common pricing pattern in car insurance for bad credit.

  3. 3
    Add a teen driver with Farm Bureau at 16, then switch to Travelers at 17

    Farm Bureau has the lowest rates for both girls and boys at age 16 on a family policy. At age 17, Travelers becomes cheapest and stays cheapest through age 25. Switching from Farm Bureau to Travelers at age 17 saves $69/month for girls and $121/month for boys.

  4. 4
    Avoid Nationwide after a DUI

    Nationwide's DUI rate of $258/month is more than double Farm Bureau's $102/month. Drivers with a DUI conviction should start with Farm Bureau and verify SR-22 filing requirements, as rates in car insurance after a DUI in Arkansas vary sharply by provider.

  5. 5
    Match coverage to vehicle value

    Full coverage averages $116 a month in Arkansas. The car insurance calculator for Arkansas can help estimate costs and show how much car insurance you need before dropping comprehensive and collision coverage.

  6. 6
    Re-shop when violations age off

    Most violations surcharge rates for three years; DUI convictions affect rates longer. The surcharge gap between Farm Bureau and other providers widens after violations, making comparison especially valuable when a violation clears.

  7. 7
    Consider non-owner coverage

    Non-owner car insurance in Arkansas provides liability coverage for drivers without a vehicle.

  8. 8
    Compare all 11 available providers

    Arkansas's 11-provider market has meaningful spread at every profile. Review the cheapest car insurance companies to see how Arkansas stacks up nationally.

What Does Minimum Coverage Actually Protect You From in Arkansas?

At 25/50/25, Arkansas sets its liability floor at the national baseline, which is the same limits about half of U.S. states require. Lower mandatory limits mean lower premiums, but adequate and legal aren't the same thing. If you cause a crash, minimum coverage pays for the other driver's injuries and property damage. It doesn't touch your own medical bills or your vehicle. And if two people are seriously hurt, that $50,000 per-accident ceiling gets divided between them, not doubled.

There's a second exposure most drivers don't think about. Arkansas has one of the highest uninsured motorist rates in the country, with roughly 1 in 5 drivers carrying no coverage at all. Minimum liability doesn't protect you when one of them causes the crash, as it only pays out when you're at fault. Uninsured motorist coverage fills that gap, and Arkansas doesn't require it.

Here's how the state's required limits stack up nationally, and where the minimums leave you exposed.

An image showing how Arkansas's state minimum coverage compares to other states and an explanation of what is covered and where you are left unprotected.

MoneyGeek analyzed 11 auto insurance providers across all Arkansas ZIP codes. All rates are ZIP code averages; individual quotes vary.  

  • Sample driver profile (baseline): 40-year-old male driver, clean driving record, good credit, 100/300/100 full coverage with a $1,000 deductible.
  • Additional profiles analyzed: Young drivers ages 16 to 25 on a family policy, with separate Girls and Boys tables. Seniors age 65 and older.
  • Drivers with violations: speeding ticket, at-fault accident, DUI conviction and texting while driving. Drivers with poor credit.
  • Arkansas minimum coverage (25/50/25): $25,000 bodily injury per person, $50,000 per accident, $25,000 property damage.
  • State-specific notes: Arkansas allows gender and credit as auto insurance rating factors; separate Girls/Boys tables and a bad credit profile are included. Arkansas is a tort state, so the at-fault driver's insurance pays for damages. SR-22 filing is required after a DUI conviction. Farm Bureau is a regional carrier. Hallmark is included in the full competitive set for this market.

See our methodology.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers. 

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships. 

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others. 

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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