Arkansas Car Insurance Rates

Average insurance rates in Arkansas for 2018 are $1,354 every 12 months for full coverage. Comprehensive, collision, and liability coverage cost an estimated $302, $550, and $350, respectively. Little Rock and El Dorado have the most expensive car insurance rates, and the two companies who insure the most vehicles in Arkansas are State Farm and Southern Farm Bureau.

Average rate for full coverage: $1,354

Rate estimates broken down by type of insurance:

Comprehensive $302
Collision $550
Liability $350

40-year-old driver, full coverage with $500 deductibles, and good driving record

Average Price Range for Auto Insurance in Arkansas

For the average driver, Arkansas insurance prices go from as low as $414 for just liability insurance to a much higher rate of $2,924 for a driver that may need high-risk insurance.

Liability Only $414
Full Coverage $1,354
High Risk $2,924

These price ranges show why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than using rates averaged for all U.S. states.

Use the form below to get accurate rates for your location.

Enter your Arkansas zip code below to view companies that have cheap auto insurance rates.

Companies will appear below. Or click to load full page.

Recommended Companies for Cheap Arkansas Insurance

Searching Companies

View Chart as Image

Arkansas car insurance rate comparison chart
Column chart showing Arkansas car insurance prices range from $776 to $4,984 for full coverage

Chart shows Arkansas auto insurance rates for different risk profiles and scenarios. The cheapest rate with discounts is $776. Drivers choosing higher $1,000 deductibles will pay around $1,160. The average rate for a driver around age 40 using $500 deductibles is $1,354. Using more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,728. If you have multiple accidents and violations you could be charged at least $2,924. The price for full coverage insurance for a teenage driver can be as high as $4,984.

Insurance prices in Arkansas are also quite variable based on your driving record, the type of vehicle you drive, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may only pay around $1,300 a year for full coverage. Rates are highest for teenage drivers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

If you have some driving violations or tend to cause accidents, you could be paying $1,600 to $2,200 additional each year, depending on your age. High-risk driver insurance can be around 44% to 132% more than the average rate. View High Risk Driver Rates

The area you live in has a huge impact on auto insurance rates. Less congested rural areas could have rates as low as $1,000 a year, while some neighborhoods in Little Rock and El Dorado may have prices as high as $1,700. Even different neighborhoods within the same city can have large rate differences.

These price discrepancies highlight the significance of getting rates based on where you live in Arkansas.

View Chart as Image

Arkansas insurance rates by city

The type of vehicle you drive is a primary factor in determining the price you pay for car insurance in Arkansas. Choosing to drive a cheaper and safer model will cost less to insure thanks to lower cost for replacement parts and lower severity of accident injuries.

The table below shows auto insurance estimates for the most popular vehicles that are insured in Arkansas.

Arkansas Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,4325.4%
Dodge Ram$1,4728%
Ford Escape$1,126-20.2%
Ford Focus$1,308-3.5%
Ford Fusion$1,4345.6%
Ford F-150$1,272-6.4%
GMC Acadia$1,246-8.7%
GMC Sierra$1,4043.6%
Honda Accord$1,262-7.3%
Honda Civic$1,4828.6%
Honda CR-V$1,096-23.5%
Honda Pilot$1,284-5.5%
Hyundai Sonata$1,3761.6%
Kia Optima$1,4023.4%
Nissan Altima$1,3922.7%
Nissan Rogue$1,3620.6%
Toyota Camry$1,3781.7%
Toyota Corolla$1,348-0.4%
Toyota Prius$1,256-7.8%
Toyota RAV4$1,276-6.1%
Get Rates for Your Vehicle Quote Now

Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
View additional vehicles

Opting for high physical damage deductibles could cut rates by as much as $570 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase rates by as much as $315 more each year. View Rates by Deductible or Liability Limit

Your auto insurance company obviously has an impact on price. In each state, every insurer has a slightly different rate calculation, and prices can be substantially lower or higher depending on individual risk factors. In Arkansas, car insurance prices range from $1,001 with USAA to as much as $3,631 with United Automobile. Companies like Auto Club, Travelers, and Southern Farm Bureau fall somewhere in between.

These are probably not the rates you would pay, as your driving history, your vehicle make and model, and your location in Arkansas have to be factored in.

Arkansas Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm25.18%$1,236
2Southern Farm Bureau12.54%$1,201
3Shelter Insurance8.36%$1,506
4Allstate8.19%$2,591
5Progressive6.30%$1,594
6Geico5.21%$1,852
7Farmers Insurance4.88%$1,316
8USAA4.60%$1,001
9Liberty Mutual4.05%$2,164
10Nationwide3.58%$2,113
Get Your Rates Quote Now

Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

Since rates can be so different, the only way to know who has the cheapest car insurance rates is to compare rates and see how they stack up. Each insurance company utilizes a different rate formula, and rates may be quite different from one company to the next.

Arkansas Auto Insurance Articles

Compare Rates Now

Rates by Driver Age

Arkansas Insurance Rates by Driver Age
Driver AgePremium
16$4,984
20$3,124
30$1,418
40$1,354
50$1,234
60$1,212

Full coverage, $500 deductibles

Rates by Deductible

Arkansas Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,728
$250$1,554
$500$1,354
$1,000$1,160

Full coverage, driver age 40

Rates by Liability Limit

Arkansas Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,354
50/100$1,424
100/300$1,512
250/500$1,739
100 CSL$1,459
300 CSL$1,652
500 CSL$1,792

Full coverage, driver age 40

Rates for High Risk Drivers

Arkansas Car Insurance Rates for High Risk Drivers
AgePremium
16$7,116
20$4,962
30$2,994
40$2,924
50$2,788
60$2,764

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $188

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$72
Multi-vehicle$70
Homeowner$19
5-yr Accident Free$102
5-yr Claim Free$87
Paid in Full/EFT$64
Advance Quote$68
Online Quote$96
Total Discounts$578
Rate after discounts $776

Discounts are estimated and may not be available from every company or in every state.

You May Also Enjoy These Articles