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The cost of car insurance in Arkansas can vary greatly, depending on your driving history, coverage options you choose and the type of car you drive among other factors. The average cost of auto insurance in Arkansas is $1,420 annually for the profile of a 30-year-old driver.

When comparing quotes from different companies make sure you take the time to do your research so that you know which company provides excellent service at a fair price.

KEY TAKEAWAYS
  • The average cost of auto insurance in Arkansas is $1,420 per year for a 30-year-old driver.
  • USAA is the cheapest car insurance company in Arkansas that offers full coverage policy at about $1,043 per year or $87 monthly.
  • In Arkansas, USAA is the cheapest company for teens, USAA is the cheapest company for young drivers. On the other hand, USAA is the cheapest company for adults, and Geico is the cheapest company for seniors.
  • Based on the driving history of a driver in Arkansas, the cheapest company for drivers with a speeding ticket is Geico, and Geico is the cheapest for drivers with DUI.

Cheapest car insurance companies in Arkansas

USAA is the cheapest car insurance company in Arkansas that offers full coverage policy at about $1,043 per year or $87 monthly. We have gathered insurance quotes from major insurance companies and compiled a list of the cheapest auto insurers in Arkansas.

Following is the list of the cheap auto insurance companies and their average annual and monthly premium.

CompanyAverage annual premiumAverage monthly premium
USAA$1,043$87
Geico$1,123$94
Travelers$1,228$102
Nationwide$1,273$106
State Farm$1,305$109
Farmers$1,432$119
Auto Club Enterprises (AAA)$1,449$121
Auto-Owners$1,561$130
Progressive$1,586$132
Allstate$2,202$183

Cheapest car insurance for teens in Arkansas

USAA is the cheapest car insurance provider for teen drivers in Arkansas. It offers insurance at about $3,501 a year. The average price of car insurance for a teenage driver can be more expensive than that for an older or mature driver. This is because they are more likely to be involved in accidents and make claims on their policies, therefore leading to higher insurance premiums.

CompanyAverage annual premium
USAA$3,501
Travelers$3,648
Geico$3,867
State Farm$4,002
Auto-Owners$4,892
Nationwide$5,136
Farmers$6,557
Auto Club Enterprises (AAA)$7,399
Progressive$7,966
Allstate$9,066

Cheapest car insurance for young drivers in Arkansas

The cheapest car insurance company for young drivers in Arkansas is USAA at about $1,568 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.

CompanyAverage annual premium
USAA$1,568
Geico$1,787
Travelers$1,975
Farmers$2,051
State Farm$2,313
Nationwide$2,413
Auto-Owners$2,667
Progressive$2,729
Auto Club Enterprises (AAA)$2,815
Allstate$3,601

Cheapest car insurance for adults in Arkansas

According to Insurance.com's rate analysis, USAA offers the cheapest car insurance for adults in Arkansas. Its average rate is $1,068 annually.

Below are the companies that offer cheap insurance rates for adult drivers in Arkansas.

CompanyAverage annual premium
USAA$1,068
Geico$1,134
Travelers$1,274
Nationwide$1,292
State Farm$1,340
Farmers$1,430
Auto Club Enterprises (AAA)$1,475
Auto-Owners$1,621
Progressive$1,625
Allstate$2,232

Cheapest car insurance for seniors in Arkansas

Geico offers the cheapest car insurance for seniors in Arkansas. The average annual premium offered is $1,013. Senior drivers experience higher insurance rates, but shopping around can help them save hundreds of dollars every year.

Below is the list of companies that offer the cheapest car insurance for seniors in Arkansas:

CompanyAverage annual premium
Geico$1,013
USAA$1,026
State Farm$1,215
Nationwide$1,230
Travelers$1,232
Auto Club Enterprises (AAA)$1,345
Farmers$1,394
Auto-Owners$1,516
Progressive$1,598
Allstate$2,233

Cheapest car insurance rates in Arkansas by driving record

The insurance rates differ based on your driving record. Having a clean driving record may help you save money on your auto insurance premium. But drivers with a history of speeding tickets, reckless driving or at-fault accident may experience higher insurance rates. This is because they pose greater risk than a driver with a clean driving history in the eyes of an insurer.

Cheapest auto insurance for drivers with poor credit: Geico

Geico has the cheapest auto insurance for drivers with poor credit at about $3,152 annually. If you have poor credit, getting cheap car insurance can be challenging. But the only way to find affordable auto insurance is by shopping around and comparing quotes from multiple insurers.

CompanyAverage annual premium
Geico$1,508
USAA$2,010
Nationwide$2,108
Farmers$2,267
Travelers$2,373
Auto Club Entreprises$2,747
Progressive$2,938
Allstate$3,481
Auto-Owners$5,212
State Farm$6,874

Cheapest auto insurance for drivers with a speeding ticket: Geico

If you have a speeding ticket on your record, Geico offers the cheapest car insurance at about $1,889 a year. Since all insurance companies calculate rates differently, it is important to get multiple quotes from different companies to get the best deal for yourself.

CompanyAverage annual premium
Geico$1,205
USAA$1,274
State Farm$1,423
Nationwide$1,479
Farmers$1,932
Travelers$1,999
Auto-Owners$2,326
Auto Club Entreprises$2,327
Progressive$2,345
Allstate$2,583

Cheapest auto insurance after an at-fault accident : State Farm

State Farm offers the cheapest car insurance after an at-fault accident. Its average cost for Arkansas drivers is $2,300 annually. If you are a safe driver with no history of traffic violations, then it is likely that your insurance rates will be lower than those who have an at-fault accident on their record.

CompanyAverage annual premium
State Farm$1,527
USAA$1,565
Geico$1,692
Travelers$1,863
Farmers$2,082
Nationwide$2,339
Auto Club Entreprises$2,760
Auto-Owners$2,872
Progressive$3,034
Allstate$3,266

Cheapest auto insurance after a DUI : Geico

If there exists DUI on your driving record, Geico offers the cheapest auto insurance in Arkansas at $2,442 per year. To find the best deal, it is required to shop around and compare insurance quotes.

The table below lists the cheapest car insurance companies after DUI in Arkansas, along with their average annual premium.

CompanyAverage annual premium
Geico$1,188
State Farm$1,423
Farmers$1,999
Progressive$2,021
USAA$2,052
Travelers$2,052
Auto Club Entreprises$2,744
Allstate$2,963
Auto-Owners$3,758
Nationwide$4,222

Average cost of car insurance in Arkansas

The average car insurance rate for full coverage in Arkansas is $1,420 per year. This rate is for the coverage level of $100,000 for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.

The state minimum average rate in Arkansas is $349 annually.

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