Arkansas Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Arkansas car insurance averages about $204 a month ($2,448 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 13% below the national average in our data, a useful yardstick when you compare auto insurance quotes. It’s about the same as in Missouri, higher than in Mississippi and Tennessee and lower than in Louisiana, Oklahoma and Texas. Full-coverage averages statewide run from about $125 to $291 a month across the five major insurers we compared (Allstate, GEICO, Progressive, Shelter and Southern Farm Bureau).

Arkansas car insurance: key numbers

• Full coverage: about $204 a month ($2,448 a year)
• Liability only (25/50/25): about $58 a month
• Recent price change: −8.3% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Phillips County (about $238 a month) and Franklin County (about $187)

Where you live matters. Phillips County, home to Helena-West Helena, is the most expensive of the 59 Arkansas counties we price, at about $238 a month for full coverage, followed by Lee County ($231) and Ashley County ($230). Franklin County is the least expensive we price, at about $187, and Benton County, in the state’s northwest corner, averages $189 across its 14 ZIP codes. Little Rock, priced across 11 ZIP codes, the most of any Arkansas city in our data, averages $219. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 140 Arkansas ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

How Much Is Car Insurance in Arkansas? Average Cost per Month

Arkansas car insurance costs about $204 a month ($2,448 a year) on average for full coverage and $58 a month ($697 a year) for liability-only coverage at the 25/50/25 state minimum. That’s for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Arkansas averages $2,448 a year, or about $204 a month, for our benchmark driver. Liability-only coverage at Arkansas’ 25/50/25 minimum averages $697 a year ($58 a month), and 50/100/50 liability with comprehensive and collision averages $2,443 ($204 a month).

• Full coverage (100/300/100, $500 deductibles): $2,448 a year ($204 a month)
• 50/100/50 with $500 deductibles: $2,443 a year ($204 a month)
• Liability only (25/50/25): $697 a year ($58 a month)
• Little Rock: $2,633 a year ($219 a month) for full coverage
• Fort Smith: $2,334 a year ($195 a month) for full coverage
• Fayetteville: $2,310 a year ($193 a month) for full coverage
• Jonesboro: $2,477 a year ($206 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Arkansas Compares With Neighboring States

Arkansas’ average is about $96 a month below Louisiana’s, $17 above Mississippi’s, $1 above Missouri’s, $39 below Oklahoma’s, $17 above Tennessee’s and $44 below Texas’. It’s the 24th-highest of the 50 states and Washington, D.C., in our data.

Cheap Car Insurance in Arkansas: Companies Compared

Looking for cheap car insurance in Arkansas? For our benchmark driver, Shelter’s statewide full-coverage average is about $125 a month ($1,494 a year), compared with about $192 to $291 for the other four major insurers we compared. These are averages for one driver profile, calculated from insurers’ rate filings, so the best price for you depends on your car, record and coverage. The bullets and table below show all five major insurers we compared, plus the four priced from published studies and State Farm’s November 2025 rates (all marked *).

• Full-coverage range: about $125 to $291 a month across the five insurers in our rate data, for the same driver and car.
• Liability only (25/50/25): Progressive and Shelter, effectively tied at about $41 and $42 a month.
• State Farm (Nov. 2025 rates)*: about $191 a month for full coverage, from its November 2025 rates.
• Also on our list: USAA at about $99 a month for full coverage, Auto-Owners at $139, Travelers at $140 and Farmers at $205 (USAA sells only to military families).
• Most expensive in our data: Allstate, at about $291 a month for full coverage.

Shelter’s Arkansas average, about $125 a month, is 35% below GEICO’s ($192), the next of the five major insurers we compared, a lead wide enough that we show the range instead of naming a single cheapest insurer. The 2026 statewide Arkansas rate studies we reviewed most often rank Travelers cheapest for full coverage: five of the eight put it first, apart from USAA, which sells only to military families. The other three put GEICO, Shelter and State Farm first, one each. Travelers*, which we price from those studies, averages about $140 a month in our statewide table, above Shelter, so we don’t name it cheapest either. For liability-only coverage at 25/50/25 limits, Progressive and Shelter are effectively tied for the lowest average of these five insurers, at about $41 and $42 a month.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.

See What You’d Pay in Arkansas

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Rates change by city and ZIP code across Arkansas. Enter yours to compare quotes.

How Arkansas’ Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Arkansas?

Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Arkansas ZIP codes, their full-coverage average fell from $2,708 a year nine months earlier to $2,483 in rates as of Aug. 31, 2026, an 8.3% drop. Shelter cut its Arkansas average 21.2%, Progressive 9.9% and Southern Farm Bureau 8.3%, while Allstate’s average was unchanged. GEICO is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Arkansas average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/25 limits fell 4.1%, led by Shelter, which cut its liability-only average 10.8%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Arkansas Car Insurance Costs

Arkansas’ full-coverage average is the 24th-highest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers.

• Eastern and southeastern Arkansas cost the most. The six most expensive of the 59 counties we price are Phillips, Lee, Ashley, Drew, Lincoln and Desha counties, at about $224 to $238 a month for full coverage. Helena-West Helena ($238, ZIP code 72390, which the Postal Service files as West Helena), Marianna ($231) and Crossett ($230) are the three most expensive of the 110 cities and towns we price.
• Northwest Arkansas costs the least. Six of the seven least expensive places we price are in Benton County: Gentry ($186), Siloam Springs, Bella Vista, Centerton, Rogers and Bentonville, all at about $188 or less. Fayetteville averages $193 and Springdale $192, about $26 and $27 a month less than Little Rock for the same driver and car.
• Insurers differ more than places. Statewide, these five insurers run from about $125 a month (Shelter) to $291 (Allstate) for full coverage, a gap of about $166 a month for the same driver and car, while the 110 cities and towns we price run from about $186 to $238, a gap of $52. Shelter also cut its statewide average 21.2% over the past nine months, the most of the four insurers we can compare.

Arkansas Car Insurance Rates by City

Among the 14 Arkansas cities with two or more ZIP codes in our data, Pine Bluff is the most expensive, at $223 a month for full coverage, followed by Little Rock at $219 and North Little Rock at $214. Bella Vista is the least expensive of the 14, at about $187. Across all 110 cities and towns we price, averages run from about $238 in Helena-West Helena (West Helena in the table) to $186 in Gentry.

The table lists all 110 Arkansas cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Places carry their Postal Service names, so Helena-West Helena appears as West Helena and Hot Springs as Hot Springs National Park. Search it for your town.

Little Rock Car Insurance Quotes and Costs

Little Rock car insurance quotes depend on your ZIP code. Across the 11 Little Rock ZIP codes we price, full coverage for our benchmark driver averages about $219 a month ($2,633 a year), 7% above the Arkansas average, and runs from about $213 in 72211 to $229 in 72206. By insurer, Little Rock full-coverage averages run from about $134 (Shelter) to $327 (Allstate) a month; Shelter’s lead over GEICO, the next of these five insurers there, is wide enough that we show the range instead of naming a cheapest insurer. For liability-only coverage at the 25/50/25 minimum, Progressive has the lowest Little Rock average of the five, about $49 a month, followed by Shelter at $54.

Other Pulaski County cities cost a little less: North Little Rock averages about $214 a month, Maumelle $212, Jacksonville $209 and Sherwood $208. Benton, in Saline County, averages $205, Conway $191, Fort Smith $195 and Fayetteville $193. Each has its own row in the city table above.

Car Insurance Costs in Arkansas’ Larger Cities

Here’s how full coverage compares for our benchmark driver in nine of Arkansas’ larger cities. Each card links to that city’s row in the table above.

Arkansas Car Insurance Rates by County

Phillips County is the most expensive county in our data, at about $238 a month for full coverage, followed by Lee County ($231) and Ashley County ($230). The least expensive we price are Franklin County ($187) and Johnson and Randolph counties (both $188). We price 59 of Arkansas’ 75 counties.

Does Better Coverage Cost More in Arkansas?

Barely, on average, for our benchmark driver. With the same $500 deductibles, full coverage at 100/300/100 averages $2,448 a year statewide in our data and 50/100/50 averages $2,443, a difference of $5, and three of these five insurers, Allstate, GEICO and Shelter, charge less for the higher limits. Across the five insurers, the change runs from $219 less a year (GEICO) to $220 more (Progressive). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Arkansas Car Insurance Laws at a Glance

Arkansas Minimum Car Insurance Requirements

Arkansas’ minimum car insurance requirements are $25,000 per person and $50,000 per crash in bodily injury liability and $25,000 in property damage liability (25/50/25). Insurers must also offer uninsured motorist coverage, which comes with your policy unless you sign a rejection, and personal injury protection, which you can turn down only in writing.

• Liability: $25,000 for injury or death of one person and $50,000 for two or more people in one crash, plus $25,000 for damage to other people’s property, according to the Arkansas Insurance Department. It’s unlawful to drive a vehicle in Arkansas without at least that coverage.
• Uninsured motorist coverage: every insurer that sells you liability coverage must offer it, and it’s included in your policy unless you sign a statement rejecting it. Its property damage part pays for damage to your car from an uninsured driver, subject to a $200 deductible. Underinsured motorist coverage pays when the driver who hits you doesn’t have enough liability coverage for all your damages.
• Personal injury protection (PIP): offered in three parts, medical payments (doctor bills, X-rays, ambulance and funeral costs), lost wages and death benefits. You can buy any one or all three, but if you don’t want PIP, you must reject it in writing.

Liability is the only coverage Arkansas requires every driver to carry, so collision and comprehensive coverage are your choice. Our guide to liability car insurance explains what the required coverage pays. The liability-only prices on this page use the 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision.

How Arkansas Checks for Insurance, and the Penalties

Arkansas checks coverage through its Online Insurance Verification System, created by Act 1016 of 2017. When the system shows no current insurance on a registered vehicle, the owner gets a letter with a date to respond by, and those notices began on Feb. 3, 2020, according to an Arkansas Insurance Department bulletin. If the registration is suspended, getting it back takes current proof of insurance and a $100 reinstatement fee. The Department of Finance and Administration also checks insurance by computer when you renew your tags.

Driving uninsured carries a mandatory fine of $100 to $250 for a first offense, under Act 869 of 2019. You can show proof of insurance on your phone, and showing it doesn’t give an officer the right to search anything else on the phone, under Act 175 of 2013.

After a Crash, Cancellations and Complaints

After a crash that injures or kills anyone, or damages any one person’s property by more than $1,000, you must file a Safety Responsibility SR-1 report within 30 days, whoever was at fault, according to the Department of Finance and Administration. An insurer must give you 20 days’ written notice to cancel your policy, or 10 days if you haven’t paid the premium, and 30 days’ notice before it declines to renew, according to the department.

Arkansas insurers can’t deny, cancel or refuse to renew a policy based on credit information alone, and you can ask your insurer in writing to re-rate your policy using a current credit report or score, under Act 1452 of 2003. You can file a complaint about an insurer or agent with the Arkansas Insurance Department online or at (501) 371-2640 or 1-800-852-5494.

How to Lower Your Car Insurance Rate in Arkansas

1. Quote several insurers. Statewide, the lowest and highest insurer averages are about $166 a month apart for the same driver and car.
2. Compare Shelter, GEICO and Southern Farm Bureau first. Of the five major insurers we compared, Shelter averages about $125 a month for full coverage statewide, and GEICO and Southern Farm Bureau are effectively tied for next, at about $192 and $196. Auto-Owners* and Travelers*, priced from published rate studies, come in at about $139 and $140.
3. Think before you reject uninsured motorist coverage. It’s part of every Arkansas policy unless you sign a rejection, according to the Arkansas Insurance Department, and its property damage part pays for damage to your car from an uninsured driver after a $200 deductible. Our full-coverage prices include uninsured and underinsured motorist coverage at 100/300.
4. Decide on PIP on purpose. Arkansas insurers must offer personal injury protection in three parts, medical payments, lost wages and death benefits. You can buy any or all of them, but turning PIP down takes a written rejection, so check what your policy says before you sign.
5. Answer an insurance-verification letter right away. If the state’s system shows your car as uninsured, you’ll get a letter with a due date. Ignoring it can get your registration suspended, and getting it back takes proof of insurance and a $100 fee, according to an Arkansas Insurance Department bulletin.
6. Ask about Arkansas auto insurance discounts. The Arkansas Insurance Department lists discounts insurers may offer for good students, driver education, more than one car, nondrinkers and nonsmokers, accident-free drivers and seniors who finish a safety course. It also notes that insurers charge different amounts for essentially the same coverage, so shopping around can save you money.
7. Look at gap coverage on a financed car. Full coverage pays what your car is worth, not what you still owe on it. Our gap insurance guide explains when it’s worth adding.
8. Compare at every renewal. Over the past nine months, Shelter has cut its statewide average 21.2%, Progressive 9.9% and Southern Farm Bureau 8.3%, so the order in our table can shift.
9. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
10. Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Arkansas home insurance rates and our home insurance guides for Little Rock, Fayetteville and Fort Smith, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.

Compare Arkansas Car Insurance Quotes

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How We Calculated Arkansas Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 700 full-coverage premiums from five insurers across 140 Arkansas ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Arkansas’ 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Arkansas insurers must also offer personal injury protection, which you can turn down only in writing; the requirements section of this page explains what it covers.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied. An insurer marked * is named cheapest only when it’s priced below every major insurer we compared and at least half of the statewide rate studies we cite rank it cheapest.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. GEICO is new in our rates since November 2025 and State Farm’s row uses its November 2025 rates, so both are left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Arkansas rate studies, scaled to our benchmark driver. They aren’t included in our averages. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Arkansas law and the Arkansas Insurance Department. We refresh these figures when new rate data is released.

More Arkansas Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

Arkansas Car Insurance Rates by County and Vehicle Type

In this analysis, an SUV is the least expensive vehicle type to insure and a coupe the most expensive in all 75 counties in that analysis. A coupe costs about 31% more than an SUV on average.

Arkansas Car Insurance FAQ