Buying car insurance can be a headache, it’s a legal necessity, but not all auto insurance providers have the same rates and benefits. Finding and comparing the best rates every year can be tedious and time-consuming, so we did the heavy lifting for you.
Average Auto Insurance Rates in Arkansas
For minimum coverage, the average annual cost of car insurance in Arkansas is $470. For full coverage, you will find an average annual car insurance rate of $1,914.
Whether you reside in Jonesboro, Huntsville, Little Rock, or elsewhere in Arkansas, you will find affordable auto insurance quotes from car insurance companies like Trexis Insurance, National Farmers Union, and Southern Farm Bureau.
Minimum Liability Limits for Auto Insurance
Minimum limits for liability are $100,000 for bodily injury per person, a $300,000 upper limit for all bodily injuries per accident, and $50,000 maximum for property damage.
Special Rates for Military Families
If you or an immediate family member is an active or former member of the United States military, you can access exclusive insurance coverage through the United Services Automobile Association, or USAA.
If this applies to you, you may not need to review the insurance rates covered below. However, if you are still looking for low rates, continue below for more information.
Minimum Coverage
If you are just looking to pay the legally required minimum for car insurance, you will pay a different rate that depends on your age and driving history. Relative to other age groups, drivers in their 20s are less experienced and therefore a higher risk for insurance. This makes it difficult to find inexpensive minimum coverage insurance, but it’s not impossible.
Car owners in their 20s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $564 per year.
At a monthly rate, this comes out to $47 per month.
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- Geico:
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At an annual rate, you can expect to pay $657 per year.
At a monthly rate, this comes out to $55 per month.
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- State Farm:
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At an annual rate, you can expect to pay $738 per year.
At a monthly rate, this comes out to $62 per month.
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- Trexis:
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At an annual rate, you can expect to pay $782 per year.
At a monthly rate, this comes out to $65 per month.
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- Auto Club of SoCal:
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At an annual rate, you can expect to pay $862 per year.
At a monthly rate, this comes out to $72 per month.
Car owners in their 30s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $268 per year.
At a monthly rate, this comes out to $22 per month.
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- Geico:
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At an annual rate, you can expect to pay $314 per year.
At a monthly rate, this comes out to $26 per month.
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- State Farm:
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At an annual rate, you can expect to pay $323 per year.
At a monthly rate, this comes out to $27 per month.
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- Columbia:
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At an annual rate, you can expect to pay $380 per year.
At a monthly rate, this comes out to $32 per month.
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- Auto-Owners:
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At an annual rate, you can expect to pay $382 per year.
At a monthly rate, this comes out to $32 per month.
Car owners in their 40s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $261 per year.
At a monthly rate, this comes out to $22 per month.
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- Geico:
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At an annual rate, you can expect to pay $305 per year.
At a monthly rate, this comes out to $25 per month.
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- State Farm:
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At an annual rate, you can expect to pay $323 per year.
At a monthly rate, this comes out to $27 per month.
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- Columbia:
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At an annual rate, you can expect to pay $370 per year.
At a monthly rate, this comes out to $31 per month.
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- Progressive:
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At an annual rate, you can expect to pay $386 per year.
At a monthly rate, this comes out to $32 per month.
Car owners in their 50s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $256 per year.
At a monthly rate, this comes out to $21 per month.
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- Geico:
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At an annual rate, you can expect to pay $287 per year.
At a monthly rate, this comes out to $24 per month.
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- State Farm:
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At an annual rate, you can expect to pay $323 per year.
At a monthly rate, this comes out to $27 per month.
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- Columbia:
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At an annual rate, you can expect to pay $338 per year.
At a monthly rate, this comes out to $28 per month.
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- Progressive:
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At an annual rate, you can expect to pay $345 per year.
At a monthly rate, this comes out to $29 per month.
Car owners in their 60s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $232 per year.
At a monthly rate, this comes out to $19 per month.
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- Geico:
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At an annual rate, you can expect to pay $299 per year.
At a monthly rate, this comes out to $25 per month.
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- State Farm:
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At an annual rate, you can expect to pay $307 per year.
At a monthly rate, this comes out to $26 per month.
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- Progressive:
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At an annual rate, you can expect to pay $339 per year.
At a monthly rate, this comes out to $28 per month.
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- Columbia:
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At an annual rate, you can expect to pay $351 per year.
At a monthly rate, this comes out to $29 per month.
Full Coverage
If you are looking to insure your car completely, receiving complete coverage for any sort of mechanical or health liabilities, then a full coverage plan is for you. These plans are substantially more expensive than minimum coverage, but they won’t come up short when you need emergency funds for an accident.
Car owners in their 20s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $1,623 per year.
At a monthly rate, this comes out to $135 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,498 per year.
At a monthly rate, this comes out to $207 per month.
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- Cameron Mutual:
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At an annual rate, you can expect to pay $2,804 per year.
At a monthly rate, this comes out to $234 per month.
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- Farmers:
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At an annual rate, you can expect to pay $2,807 per year.
At a monthly rate, this comes out to $234 per month.
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- Shelter:
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At an annual rate, you can expect to pay $2,886 per year.
At a monthly rate, this comes out to $240 per month.
Car owners in their 30s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $1,006 per year.
At a monthly rate, this comes out to $84 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,283 per year.
At a monthly rate, this comes out to $107 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,437 per year.
At a monthly rate, this comes out to $120 per month.
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- Auto-Owners:
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At an annual rate, you can expect to pay $1,531 per year.
At a monthly rate, this comes out to $128 per month.
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- Columbia:
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At an annual rate, you can expect to pay $1,553 per year.
At a monthly rate, this comes out to $129 per month.
Car owners in their 40s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $969 per year.
At a monthly rate, this comes out to $81 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,249 per year.
At a monthly rate, this comes out to $104 per month.
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- Shelter:
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At an annual rate, you can expect to pay $1,251 per year.
At a monthly rate, this comes out to $104 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,373 per year.
At a monthly rate, this comes out to $114 per month.
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- Columbia:
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At an annual rate, you can expect to pay $1,437 per year.
At a monthly rate, this comes out to $120 per month.
Car owners in their 50s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $939 per year.
At a monthly rate, this comes out to $78 per month.
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- Shelter:
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At an annual rate, you can expect to pay $1,068 per year.
At a monthly rate, this comes out to $89 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,213 per year.
At a monthly rate, this comes out to $101 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,227 per year.
At a monthly rate, this comes out to $102 per month.
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- Columbia:
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At an annual rate, you can expect to pay $1,317 per year.
At a monthly rate, this comes out to $110 per month.
Car owners in their 60s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $889 per year.
At a monthly rate, this comes out to $74 per month.
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- Shelter:
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At an annual rate, you can expect to pay $1,068 per year.
At a monthly rate, this comes out to $89 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,139 per year.
At a monthly rate, this comes out to $95 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,142 per year.
At a monthly rate, this comes out to $95 per month.
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- Cameron Mutual:
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At an annual rate, you can expect to pay $1,231 per year.
At a monthly rate, this comes out to $103 per month.
Recent Accident
If you have been in an accident recently, where you are considered at-fault for damages and liability, then your auto insurance rate will go up. Having at least one at-fault accident will raise your rates, but it may lower over time. If this applies to you, here are the best rates you’ll find in Arkansas.
Car owners in their 20s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $759 per year.
At a monthly rate, this comes out to $63 per month.
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- Geico:
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At an annual rate, you can expect to pay $906 per year.
At a monthly rate, this comes out to $76 per month.
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- State Farm:
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At an annual rate, you can expect to pay $956 per year.
At a monthly rate, this comes out to $80 per month.
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- Cameron Mutual:
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At an annual rate, you can expect to pay $1,040 per year.
At a monthly rate, this comes out to $87 per month.
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- Trexis:
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At an annual rate, you can expect to pay $1,113 per year.
At a monthly rate, this comes out to $93 per month.
Car owners in their 30s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $1,282 per year.
At a monthly rate, this comes out to $107 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,589 per year.
At a monthly rate, this comes out to $132 per month.
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- Cameron Mutual:
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At an annual rate, you can expect to pay $1,887 per year.
At a monthly rate, this comes out to $157 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,973 per year.
At a monthly rate, this comes out to $164 per month.
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- Columbia:
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At an annual rate, you can expect to pay $2,089 per year.
At a monthly rate, this comes out to $174 per month.
Car owners in their 40s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $1,232 per year.
At a monthly rate, this comes out to $103 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,551 per year.
At a monthly rate, this comes out to $129 per month.
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- Cameron Mutual:
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At an annual rate, you can expect to pay $1,636 per year.
At a monthly rate, this comes out to $136 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,917 per year.
At a monthly rate, this comes out to $160 per month.
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- Columbia:
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At an annual rate, you can expect to pay $1,956 per year.
At a monthly rate, this comes out to $163 per month.
Car owners in their 50s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $1,191 per year.
At a monthly rate, this comes out to $99 per month.
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- Cameron Mutual:
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At an annual rate, you can expect to pay $1,474 per year.
At a monthly rate, this comes out to $123 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,508 per year.
At a monthly rate, this comes out to $126 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,802 per year.
At a monthly rate, this comes out to $150 per month.
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- Columbia:
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At an annual rate, you can expect to pay $1,833 per year.
At a monthly rate, this comes out to $153 per month.
Car owners in their 60s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $1,123 per year.
At a monthly rate, this comes out to $94 per month.
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- Cameron Mutual:
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At an annual rate, you can expect to pay $1,374 per year.
At a monthly rate, this comes out to $114 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,417 per year.
At a monthly rate, this comes out to $118 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,722 per year.
At a monthly rate, this comes out to $144 per month.
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- Auto-Owners:
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At an annual rate, you can expect to pay $1,947 per year.\
At a monthly rate, this comes out to $162 per month.
Low Credit Score
If you have a low credit score, it may be difficult to find auto insurance at low rates. A bad credit score means increased financial risk for insurance providers, leading to higher insurance premiums for consumers. If your credit is low or unestablished, consider these insurance providers for the best possible rates.
Car owners in their 20s
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- Trexis:
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At an annual rate, you can expect to pay $782 per year.
At a monthly rate, this comes out to $65 per month.
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $936 per year.
At a monthly rate, this comes out to $78 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,029 per year.
At a monthly rate, this comes out to $86 per month.
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- Columbia:
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At an annual rate, you can expect to pay $1,198 per year.
At a monthly rate, this comes out to $100 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,324 per year.
At a monthly rate, this comes out to $110 per month.
Car owners in their 30s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $1,819 per year.
At a monthly rate, this comes out to $152 per month.
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- Columbia:
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At an annual rate, you can expect to pay $1,862 per year.
At a monthly rate, this comes out to $155 per month.
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- Say Insurance:
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At an annual rate, you can expect to pay $2,152 per year.
At a monthly rate, this comes out to $179 per month.
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- Farmers:
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At an annual rate, you can expect to pay $2,198 per year.
At a monthly rate, this comes out to $183 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $2,300 per year.
At a monthly rate, this comes out to $192 per month.
Car owners in their 40s
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- Columbia
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At an annual rate, you can expect to pay $1,726 per year.
At a monthly rate, this comes out to $144 per month.
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $1,778 per year.
At a monthly rate, this comes out to $148 per month.
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- Say Insurance:
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At an annual rate, you can expect to pay $2,003 per year.
At a monthly rate, this comes out to $167 per month.
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- Farmers:
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At an annual rate, you can expect to pay $2,110 per year.
At a monthly rate, this comes out to $176 per month.
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- Trexis:
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At an annual rate, you can expect to pay $2,130 per year.
At a monthly rate, this comes out to $178 per month.
Car owners in their 50s
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- Columbia:
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At an annual rate, you can expect to pay $1,578 per year.
At a monthly rate, this comes out to $132 per month.
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- Say Insurance:
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At an annual rate, you can expect to pay $1,685 per year.
At a monthly rate, this comes out to $140 per month.
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $1,723 per year.
At a monthly rate, this comes out to $144 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,887 per year.
At a monthly rate, this comes out to $157 per month.
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- Trexis:
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At an annual rate, you can expect to pay $1,921 per year.
At a monthly rate, this comes out to $160 per month.
Car owners in their 60s
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- Columbia:
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At an annual rate, you can expect to pay $1,621 per year.
At a monthly rate, this comes out to $135 per month.
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $1,631 per year.
At a monthly rate, this comes out to $136 per month.
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- Say Insurance:
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At an annual rate, you can expect to pay $1,685 per year.
At a monthly rate, this comes out to $140 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,758 per year.
At a monthly rate, this comes out to $146 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $1,858 per year.
At a monthly rate, this comes out to $155 per month.
After DUI
Receiving a DUI charge can severely impact the rate of your auto insurance, as it becomes a liability to insure drivers with a record of dangerous driving and/or breaking motor laws. If you have a DUI on your record, these insurance companies will provide the lowest rates for drivers in Arkansas.
Car owners in their 20s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $712 per year.
At a monthly rate, this comes out to $59 per month.
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- Geico:
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At an annual rate, you can expect to pay $989 per year.
At a monthly rate, this comes out to $82 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,051 per year.
At a monthly rate, this comes out to $88 per month.
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- Dairyland:
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At an annual rate, you can expect to pay $1,907 per year.
At a monthly rate, this comes out to $91 per month.
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- Trexis:
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At an annual rate, you can expect to pay $1,106 per year.
At a monthly rate, this comes out to $92 per month.
Car owners in their 30s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $1,185 per year.
At a monthly rate, this comes out to $99 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,809 per year.
At a monthly rate, this comes out to $151 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,911 per year.
At a monthly rate, this comes out to $159 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,251 per year.
At a monthly rate, this comes out to $188 per month.
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- Cameron Mutual:
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At an annual rate, you can expect to pay $2,292 per year.
At a monthly rate, this comes out to $191 per month.
Car owners in their 40s
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- Southern Farm Bureau Casualty:\
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At an annual rate, you can expect to pay $1,139 per year.
At a monthly rate, this comes out to $95 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,766 per year.
At a monthly rate, this comes out to $147 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,854 per year.
At a monthly rate, this comes out to $154 per month.
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- Cameron Mutual:
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At an annual rate, you can expect to pay $1,980 per year.
At a monthly rate, this comes out to $165 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,109 per year.
At a monthly rate, this comes out to $176 per month.
Car owners in their 50s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $1,101 per year.
At a monthly rate, this comes out to $92 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,717 per year.
At a monthly rate, this comes out to $143 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,735 per year.
At a monthly rate, this comes out to $145 per month.
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- Cameron Mutual:
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At an annual rate, you can expect to pay $1,781 per year.
At a monthly rate, this comes out to $148 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,884 per year.
At a monthly rate, this comes out to $157 per month.
Car owners in their 60s
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- Southern Farm Bureau Casualty:
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At an annual rate, you can expect to pay $1,037 per year.
At a monthly rate, this comes out to $86 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,620 per year.
At a monthly rate, this comes out to $135 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,655 per year.
At a monthly rate, this comes out to $138 per month.
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- Cameron Mutual:
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At an annual rate, you can expect to pay $1,660 per year.
At a monthly rate, this comes out to $138 per month.
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- Progressive:
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At an annual rate, you can expect to pay $1,824 per year.
At a monthly rate, this comes out to $152 per month.
More Options if You Are Denied Coverage
Not all insurance companies will voluntarily provide coverage to all drivers. If you have a long record of accidents or driving tickets, a low credit score, a long gap of no insurance coverage, and other risky factors, you may find the auto insurance market closed to you.
It is risky to provide insurance to these drivers so, many companies will flat-out refuse to provide insurance. If this is the case, you can receive public coverage through your local state insurance program. In Arkansas, this would be the Arkansas Automobile Insurance Plan, or AAIP plan.
This service is especially useful for truckers, taxis, and other commercial vehicle insurance plans. It also applies to everyday commuters looking for auto insurance, as federal law requires all US citizens to acquire auto insurance.
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