Cheapest Car Insurance in Arkansas for 2026

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Updated: May 3, 2026

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Farm Bureau is the cheapest car insurance company in Arkansas for most drivers, leading minimum coverage ($32/month), full coverage ($86/month), speeding tickets ($93/month), DUI ($102/month), texting violations ($93/month) and senior coverage ($102/month). Alfa Insurance leads bad credit at $129/month, the only category where Farm Bureau does not lead.

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

Farm Bureau is the cheapest car insurance in Arkansas for both minimum coverage at $32 a month and full coverage at $86 a month. Allstate is the most expensive for minimum coverage at $79 a month; Hallmark Insurance is the most expensive for full coverage at $158 a month. Choosing Farm Bureau over Hallmark Insurance saves $72 a month ($864 a year) on full coverage. Review the best car insurance in Arkansas for providers ranked by coverage quality alongside cost.

Arkansas requires minimum coverage of 25/50/25: $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage. This minimum leaves substantial gaps. An at-fault accident involving $40,000 of bodily injury for one person exceeds the $25,000 per-person limit by $15,000; the standard 100/300/100 full coverage benchmark covers it in full. Use the car insurance calculator for Arkansas or review how much car insurance you need to choose the right coverage level.

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

Cheapest Car Insurance by City in Arkansas

Auto-Owners is the cheapest provider in the largest Arkansas cities, including Fayetteville at $73 a month, Fort Smith at $74 a month and Little Rock at $85 a month. Pine Bluff is the most expensive of the 10 analyzed cities at $86 a month, still lower than the $116 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 far more than city. Farm Bureau at $86 versus Hallmark Insurance at $158 in the same ZIP code is a $72 a month gap. Compare car insurance across all 11 providers before 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 Insurance at $129 a month is $122 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 over $1,400 a year in unnecessary premium. Always check Alfa Insurance 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

Farm Bureau is the cheapest provider for both young driver standalone rates: Girls at $145 a month and Boys at $151 a month. For family policy rates, Farm Bureau leads both Girls and Boys at age 16, then Travelers leads all remaining ages 17 through 25 for both genders. Boys pay more than Girls at age 16 ($651 versus $528 a month on a family policy), a $123 a month gap that narrows quickly and disappears by age 21, where both genders pay $235 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. Alfa Insurance is cheapest for bad credit at $129 a month: the second cheapest provider for bad credit, Hallmark Insurance at $210, is $81 a month more. Nationwide is the most expensive for DUI at $258 a month, the highest DUI rate in this analysis and more than double the state full coverage average of $116. Arkansas requires SR-22 filing after a DUI conviction. Drivers with bad credit should not use Farm Bureau ($251), GEICO ($246) or Travelers ($255): each is $117 to $126 per month more expensive than Alfa Insurance 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 leads nearly every category in Arkansas, but Alfa Insurance 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 leads 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 Insurance if your credit is below average

    Alfa Insurance at $129 a month is $122 less than the second cheapest bad credit option. Farm Bureau, GEICO and Travelers each exceed $246 a month for the bad credit profile. See car insurance for bad credit for a full comparison.

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

    Farm Bureau leads 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 a month for Girls and $121 a month for Boys.

  4. 4
    Avoid Nationwide after a DUI

    Nationwide's DUI rate of $258 a month is more than double Farm Bureau's $102 a month. Drivers with a DUI conviction should start with Farm Bureau and verify SR-22 filing requirements. Review car insurance after a DUI in Arkansas before selecting coverage.

  5. 5
    Match coverage to vehicle value

    Full coverage averages $116 a month in Arkansas. Use the car insurance calculator for Arkansas and review how much car insurance you need to determine when dropping comprehensive and collision makes financial sense.

  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.

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 Insurance 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 analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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