Best car insurance companies in Arkansas

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    Article Highlights

    For drivers looking for the best car insurance in Arkansas, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for Arkansas and how these rates are affected by your driving record. You can also compare rates by provider and major cities in Arkansas.

    The average Arkansas driver pays $1,763 per year for insurance, which breaks down to about $146 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

    While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for Arkansas and may not reflect your actual premium quote.

    Arkansas Quickfacts

    • Cheapest carrier for full coverage in Arkansas is Southern Farm Bureau: $1,373
    • Cheapest carrier for minimum coverage in Arkansas is GEICO: $323
    • Carrier with highest customer satisfaction in Arkansas: USAA
    • Number of uninsured drivers in Arkansas: 16.6%
    • Arkansas is on the higher end for car insurance rates

    Average cost of car insurance in Arkansas

    Clean record 1 speeding ticket 1 accident
    Full coverage$1,749$2,206$2,607
    Minimum coverage$458$591$717

    Quadrant data services, 2020

    Best car insurance companies in Arkansas

    Average annual premiums by insurance carrier

    Company Full coverage rate Minimum coverage rate
    Alfa$2,902$470
    Allstate$1,686$514
    GEICO$1,451$323
    Farmers$1,380$375
    Progressive$1,997$422
    State Farm$1,634$473
    USAA$1,588$411
    AAA$2,126$595
    Auto-Owners$1,908$455
    Nationwide$1,576$452

    Quadrant data services, 2020

    Car insurance rates in Arkansas by city

    City Full coverage annual rate Minimum coverage annual rate
    Little Rock$1,949$571
    Fort Smith$1,619$456
    Fayetteville$1,587$435
    Springdale$1,581$434
    Jonesboro$1,692$470

    Quadrant data services, 2020

    Methodology

    Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

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