Cheap Arkansas Car Insurance Quotes
Compare and Buy Auto Insurance in AR for 2024
| Companies | Name | Quotes |
|---|---|---|
 |
StateFarm | $62 /mo |
 |
The General Insurance | $72 /mo |
 |
Nationwide | $79 /mo |
 |
Travelers Insurance | $91 /mo |
How to Get Cheap Car Insurance in Arkansas?
The major reason for expensive car insurance rates in Arkansas is the high traffic fatalities. The average number of deaths in Arkansas due to traffic is 17 per 100,000 people while the national average number of deaths is 10. Hence the cost of car insurance in Arkansas is higher than in other states.
RateForce is here for you, our team of researchers and analysts has created a list of top companies that provide the cheapest car insurance rates in Arkansas.
Which are the Best Car Insurance Companies in Arkansas?
We can understand that not every driver is looking for cheap insurance rates, some of you might need the best policy. And the difference between cheap insurance quotes and the best insurance companies is huge. The type of coverage you get from the best insurance company can be different from a company that is providing cheap insurance rates. Hence if you can afford to buy a good policy then go for it.
Here is the list of all the top insurance companies in Arkansas where you can get the best policy:
| Companies | Name | Quotes |
|---|---|---|
|
StateFarm | $62 /mo |
 |
The General Insurance | $72 /mo |
|
Nationwide | $79 /mo |
|
Travelers Insurance | $91 /mo |
How To Get Best Car Insurance Coverage in Arkansas?
Minimum Car Insurance Requirements in Arkansas
Every state has its own set of rules and requirements for drivers that are mandatory for everyone. If a driver wants to park or drive a car or any other vehicle on roads of any state then adhering to these requirements is necessary. These requirements are known as minimum state requirements. Below are the minimum Arkansas auto insurance requirements for every driver.
- Bodily Injury Liability (BIL) Coverage:
If your car collides with another car or pedestrian while driving then you will be responsible for any medical expense of the victim. This will also include all expenses that are related to the death of another driver or pedestrian. But it will be applicable only when you are at fault in that accident. Here are the limits for BIL coverage:
$25,000 per driver, that means if you have injured or killed another driver only and
$50,000 per accident that means if there were other passengers that are injured or died in the accident. - Property Damage Liability (PDL) Coverage:
Property damage liability is when your car collides with the personal property of another person. You will be responsible to pay for repairing all the damages. Every state has its own limit for property damage liability as well. In Arkansas, it is slightly higher than other states; $25,000 per accident. While other states have a limit of $15,000 for property damage.
Cheap Minimum Liability Car Insurance Companies in Arkansas
Here is the list of best companies that provide the lowest average rates to drivers for state minimum insurance coverage in Arkansas:
- GEICO: $51 per month
- Southern Farm Bureau: $63 per month
- StateFarm: $69 per month
- Columbia Insurance Group: $75 per month
- The General Insurance: $85 per month
Cheapest Basic Full Insurance Coverage in Arkansas
Here is the list of top insurance companies that provide the lowest average rates to drivers for our unique basic full insurance coverage in Arkansas. It includes collision and comprehensive auto insurance coverage apart from state minimum auto insurance coverage.
- Travelers: $144 per month
- StateFarm: $152 per month
- The General Insurance: $168 per month
- Progressive: $190 per month
- Allstate: $205 per month
Cheap Premium Full Insurance Coverage in Arkansas
Here is the list of top auto insurance carriers that provide the cheapest full coverage in Arkansas. This covers all coverages as defined by state law in full coverage requirements with maximum benefits. Drivers with a clean driving record may consider this option.
- Travelers: $184 per month
- StateFarm: $202 per month
- The General Insurance: $238 per month
- Progressive: $290 per month
- Allstate: $305 per month
Additional Auto Insurance Coverage in Arkansas
The mandatory insurance coverage for all drivers is included in the minimum requirement coverage. However, there are some insurance coverages that are not required but are still necessary to save money. The top seven types of insurance coverages that every driver should think about are as follows:
- Collision Coverage:
Collision insurance covers your vehicle in the event that it collides with another object, living or non-living. If your car collides with a tree, fence, building, or pedestrian, for example. Your insurance company will cover all car repair costs in such cases. - Comprehensive Coverage:
If your car is ever involved in a natural or man-made disaster, your insurance company will help you. Thunderstorms, fires, floods, and even vandalism are all possibilities. In the event of a disaster, you will be fully covered for all necessary car repairs. - Personal Injury Protection (PIP) Coverage:
Personal injury protection is a minimum requirement for all the no-fault states. PIP is a broad term to define that the driver will be responsible for his or her medical expenses. - Roadside Assistance:
What will you do if your car breaks down while travelling on a highway or a deserted road? You can contact your insurance company, and they will send help right away. The insurance company will cover all costs associated with towing and repairing the vehicle. - Medical/Funeral Services:
This type of insurance is necessary for medical services such as summoning an ambulance or transporting a deceased person. Furthermore, the company will pay for the driver’s funeral and will cover all expenses. - Loan/Lease Payoff:
When your car is totaled in an accident, this type of insurance coverage is essential. If you still owe money on a loan or lease, your insurance company will assist you in repaying it. The pending loan or lease amount will be paid by the company. - Rental Car Reimbursement:
This is an optional type that is not overly costly and can cost hundreds of dollars. You can rent another car while your car is being repaired. And the insurance company will cover all of the costs of renting a car.
Cheap Car Insurance Quotes in Arkansas on Ticket Profile
You must be aware of the fact that insurance companies consider different kinds of factors to calculate the cost of your policy. Based on these factors; insurance companies create profiles of the drivers. All drivers of every state will be categorized in these profiles and they will get their car insurance rates based on their profile type. Here are six different types of car insurance ticket profiles in Arkansas:
Cheap Car Insurance for Speeding Drivers in Arkansas
Speeding vehicles are not only dangerous for the driver as well as passengers. It is also dangerous for other vehicles and pedestrians. A small imbalance can change lives. In 2022; 12,100 people died in road accidents that were caused by a speedy vehicle. This is the reason that insurance companies consider speeding drivers as risky.
Drivers get points off their driving record every time they get caught while speeding. These points are decided as per the speed of your vehicle at that time. Your insurance carrier will check these points and based on that will decide how much your premium should increase. Here is the list of top car insurance companies in Arkansas that might provide you affordable rates:
| Insurance Company | Quote |
|---|---|
| GEICO | $70 /mo |
| Nationwide | $87 /mo |
| State Farm | $92 /mo |
| Allstate | $101 /mo |
| Farmers | $105 /mo |
| Progressive | $135 /mo |
| Insurance Company | Quote |
|---|---|
| State Farm | $105 /mo |
| GEICO | $130 /mo |
| Nationwide | $141 /mo |
| Progressive | $145 /mo |
| Southern Farm Bureau | $160 /mo |
| Allstate | $180 /mo |
Cheap Arkansas Car Insurance Rates for Drivers with an At-Fault Accident
We all can relate to the anxiety and guilt of being on the at-fault side of an accident. Worst part is your auto insurance cost will increase by 30-50% and in some cases by 80%. If you are wondering that a small collision will not increase your policy rates then you are wrong.
In 2021; more than 650 people of Arkansas were killed in traffic crashes and all the drivers responsible for these crashes were declared as high-risk drivers. These drivers can try for accident forgiveness but the result depends on your insurance company. The only way to get affordable car insurance rates for at-fault drivers is to compare quotes from different companies. Here are the top car insurance companies in Arkansas that can provide affordable rates to at-fault drivers:
Cheapest Car Insurance for Drivers with a DUI in AR
DUI stands for driving under the influence; it can be alcohol, drugs, or any other element that can mess with your brain. Drivers that have a DUI on their records are considered risky by the insurance companies. Hence they get higher insurance rates than any other driver profile. The drivers under this category can try the fallout process to remove DUI from their driving record.
But the process is complex and time-consuming; it can take months or even years. Hence most drivers avoid applying for the fallout and choose to pay higher car insurance premium rates. When it comes to DUI it is almost impossible to get an affordable insurance company. Still, we have managed to found some for you:
| Insurance Company | Quote |
|---|---|
| Southern Farm Bureau | $88 /mo |
| USAA* | $103 /mo |
| Progressive | $135 /mo |
| State Farm | $148 /mo |
| Nationwide | $165 /mo |
| GEICO | $197 /mo |
(*USAA only available to current and former military members and their families.)
| Insurance Company | Quote |
|---|---|
| GEICO | $152 /mo |
| Nationwide | $187 /mo |
| State Farm | $205 /mo |
| Allstate | $218 /mo |
| Progressive | $245 /mo |
Cheap Car Insurance for Young Drivers in Arkansas
In 2018, more than 250 people were killed in crashes that involved distracted teen drivers. Teen or young drivers are also considered risk ones by Arkansas car insurance companies. This is the major reason that the cost of a car insurance is more for young drivers as compared to experienced drivers.
Young drivers can try to do some research on their own to check the cheapest Arkansas car insurance. The best way to save money for young drivers is to get students discount benefits. To leverage this student discount a driver should be under 25 years of age and the average grade point should be B or higher. Below is the list of top companies that provides affordable car insurance for young drivers in Arkansas:
Best Auto Insurance for Good Drivers in AR
Maintaining a clean driving record is essential to get affordable insurance policies. How? A driver with a fair driving experience and a clean driving record is more reliable for insurance companies. Drivers under this category get into fewer accidents less and hence the chances of filing the claim also reduces.
If you will add some discount types along with a good driver policy you might get a big difference in the auto insurance cost. Below are best auto insurance companies in Arkansas that provide cheap car insurance rates for good drivers:
| Insurance Company | Quote |
|---|---|
| State Farm | $55 /mo |
| Nationwide | $62 /mo |
| Progressive | $70 /mo |
| Travelers | $82 /mo |
| USAA* | $48* /mo |
(*USAA only available to current and former military members and their families.)
| Insurance Company | Quote |
|---|---|
| GEICO | $121 /mo |
| Nationwide | $160 /mo |
| Farmers | $193 /mo |
| Allstate | $210/mo |
Cheapest Coverage for Drivers with Poor Credit in Arkansas
The government of different states has banned insurance companies from checking and considering credit scores as a factor to calculate the final cost of every policy. Still, insurance companies believe that drivers with poor credit scores are more irresponsible for payment. Hence to avoid that risk insurance companies increase the rates of car insurance for drivers with a poor credit score.
Below is the list of some companies that can provide affordable car insurance to drivers with poor credit scores in Arkansas:
Which Car Insurance Discounts are available in Arkansas?
The easiest way to get affordable car insurance in Arkansas is to get as many discounts as possible. Every company provides different types of discounts for car drivers. Here are the four most common discounts you can ask from any car insurance company:
Upfront Payment Discount:
Your insurance company will give you a good discount if you pay your annual premium in advance. Advance payment is preferred by every car insurance company. They reward the driver in order to promote this payment model. As a result, if you are financially capable of paying the annual premium in advance, you will receive a significant discount.
Safety Features Discount:
The driver, passengers, and the vehicle are all safer thanks to the safety features in the cars. As a result, the likelihood of accidents and injuries decreases, resulting in the driver filing fewer claims. You can get this discount if your car has features like automatic seat belts, anti-theft car alarms, and so on.
Multiple Vehicles Discount:
Do you own multiple vehicles and require coverage for all of them? Then your insurance company will try to persuade you to buy a policy from them for all of your vehicles. As a result, they will offer reasonable discounted rates; be sure to haggle as much as possible for this discount.
Multiple Policy Discount:
If you already have a car insurance policy and need additional coverage, you may qualify for this type of discount. It could be homeowner’s insurance, life insurance, or any other type of coverage. Your insurance company will try to persuade you to purchase all of your policies from them. As a result, you will receive substantial discounts.
SR-22 Car Insurance in Arkansas State
Safety Responsibility (SR)-22 is necessary for every driver whose license has been suspended because of any reason. The reason for suspension of your license can be too many DUI convictions, speeding tickets, at-fault accidents, or driving without a license.
Also, the cost of filing SR-22 insurance is between $15 and $35 in Arkansas. But the cost of SR-22 insurance will be much higher than the cost of any other ticket profile. We have created a list of top companies in Arkansas that can provide you affordable rates for SR-22 insurance:
| Company | Average Annual Rate | Annual Average Premium with SR-22 and DUI |
|---|---|---|
| State Farm | $695 | $1,005 |
| Safeco | $630 | $1,120 |
| Allstate | $770 | $1,122 |
| Travelers | $594 | $1,258 |
| Farmers | $710 | $1,345 |
| Nationwide | $805 | $1,350 |
| Progressive | $835 | $1,238 |
| Southern Farm Bureau | $750 | $1,210 |
| Farmers | $880 | $1,250 |
| USAA* | $653 | $1,150 |
(*USAA only available to current and former military members and their families.)
Best Cities for Cheap Car Insurance in Arkansas
One of the most important factors in auto insurance cost is the location of that driver. The state, city, and even area where you live play an important role during final calculation of pricing. In Arkansas as well, your insurance company will check your zip code and your city to send you a final quotation. If you try to search for “cheap car insurance in Texas” or “cheap car insurance in California” then the rates will vary to a huge extent. Here is the list of all top Arkansas cities and their average car insurance rates in all these cities:
| City | Avg. Annual Premium |
|---|---|
| Little Rock | $1,880 |
| Pine Bluff | $1,853 |
| North Little Rock | $1,790 |
| Conway | $1,713 |
| Fayetteville | $1,510 |
| Fort Smith | $1,523 |
| Jonesboro | $1,604 |
| Rogers | $1,441 |
| Bentonville | $1,336 |
| Hot Springs | $1,477 |
FAQs About Car Insurance In Arkansas
Is Arkansas a no-fault state?
No. Arkansas is an at-fault state. That means a person who is at fault in an accident will be responsible to pay for repair and medical expenses of the victim.
Is PIP/MedPay Subrogatable in Arkansas?
Yes, as per the recent orders by Arkansas high court. Now it is possible to transfer the rights or duties for any kind of casualty insurer, accident insurer, or health insurer; This is as per the code: § 23-79-146. Subrogation Recovery.
Is personal injury protection mandatory in Arkansas?
No. Personal injury protection is not mandatory for drivers in Arkansas state. But it is always advisable to buy PIP for extra coverage in case you get into an accident with an uninsured or underinsured motorist.
How much is car insurance in Arkansas per month?
The average cost of car insurance in Arkansas is $146 per month. This amount can increase or decrease based on the type of your car, your area, your locality, and many other factors.
How to get affordable car insurance in Arkansas?
Two best ways to get affordable car insurance rates are 1. Ask for different car insurance discounts. 2. Get quotes from different companies and compare them.
Editorial Guidelines: The above content is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.