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Arkansas has a population of roughly 3 million people, according to the latest figures from the U.S Census. It covers a land area of 52,035 square miles, and it’s the 34th most populous state in the U.S. The state is the birthplace of singer Johnny Cash, and Sam Walton founded his Wal-Mart stores in the Arkansas city of Bentonville. 

There are 2.6 million motor vehicles registered in Arkansas, and the state is home to 2.4 million licensed drivers. According to the most recent information published by the Arkansas State Police Highway Safety Office, there were 60,947 crashes reported in 2014. This means there were 1.8 crashes per million vehicle miles traveled. 

If you’re a driver who’s involved in a crash, car insurance can cover the related expenses and protect your assets. In this article, we’ll take a look at Arkansas’ car insurance laws. We’ll also share insight that can help you find car insurance providers in the state that offer the best rates for your circumstances.

Cheapest Car Insurance Companies in Arkansas

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from nine largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance in Arkansas

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. 

Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 25, 35 and 60 who drive 12,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

How Much Does Car Insurance Cost in Arkansas?

See the Cheapest Car Insurance Companies

Our study showed that Arkansas’ representative car insurance rates are slightly higher than the national average. Throughout the U.S., average annual representative car insurance rates from the country’s top nine insurers range from $895 to $1,778. The average annual representative car insurance rate in the U.S. stands at $1,323. In Arkansas, representative rates from the nine insurers that took part in our research range from $794 to $1,750. The average annual representative rate for car insurance in Arkansas is $1,342. 

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Bear in mind that all the rates discussed in this article are representative averages. They may not be reflective of the actual premiums that you pay for Arkansas car insurance. Car insurance rates are largely dependent on factors that are unique to the policyholder’s driving history and background. Your age and marital status will impact your rates, as well as the number of accidents and moving violations on your driving record.

Arkansas Car Insurance Rates by Age

We wanted to learn more about how age affects car insurance in Arkansas. Our study used representative driver profiles with medium insurance coverage and a clean driving record. Your credit history can impact car insurance rates, and our study used driver profiles with good credit. Our profiles included male and female drivers that log 12,000 miles annually, and the vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

According to our study, the profile of a 25-year-old male Arkansas driver has an average representative car insurance rate of $1,626. For a female driver of the same age, the profile has a rate of $1,489. These study rates decrease as our driver profiles get older. For a male driver profile who is 35 years old, the average representative rate is $1,297, and for a female driver profile in the same age group it's $1,301. Our study shows that 60-year-old driver profiles enjoy the lowest representative rates. A male profile in this age group pays just $1,191 per year. Female profiles in the age group pay even less: $1,151 per year. 

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$2,023.82

$1,876.46

$1,722.47

$1,707.66

$1,635.13

$1,535.61

Farmers

$1,728.35

$1,621.44

$1,369.07

$1,376.71

$1,238.71

$1,161.14

Geico

$1,206.71

$1,154.75

$1,058.45

$1,072.40

$940.46

$989.26

Nationwide

$2,076.24

$1,886.44

$1,619.22

$1,581.88

$1,480.07

$1,368.98

Progressive

$2,052.57

$1,884.83

$1,428.70

$1,524.43

$1,258.63

$1,192.27

State Farm

$1,412.21

$1,237.18

$1,116.06

$1,116.06

$1,013.73

$1,013.73

Travelers

$1,522.00

$1,328.76

$1,313.51

$1,290.10

$1,269.43

$1,265.52

USAA

$987.38

$919.60

$745.34

$738.56

$689.62

$684.13

Arkansas Car Insurance Rates by Credit Score

Poor credit can hurt your car insurance rates. We were interested in learning more about the impact that credit score can have on a driver’s annual car insurance premiums. To figure this out, our study used driver profiles in three categories: good credit, fair credit, and poor credit. Our profiles consisted of male and female drivers who are 25, 35, and 60 years old. Each profile drove 12,000 miles each year and had medium insurance coverage, as well as a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Based on our research involving average representative rates, Arkansas car insurance costs $2,305 per year for a driver profile with poor credit. That’s about $700 more than our driver profile with fair credit and nearly $1,000 more than our driver profile with good credit.

Company

Good

Fair

Poor

Allstate

$1,750.19

$2,121.61

$2,759.00

Farmers

$1,415.90

$1,605.24

$2,377.77

Geico

$1,070.34

$1,247.66

$1,850.94

Nationwide

$1,668.81

$1,811.25

$2,200.49

Progressive

$1,556.91

$1,959.00

$2,852.68

State Farm

$1,151.50

$1,473.58

$2,435.21

Travelers

$1,331.55

$1,551.10

$2,558.82

USAA

$794.11

$952.82

$1,404.26

Arkansas Car Insurance Rates by Driving Record

Many people realize that their driving record can have a potent effect on their car insurance rates. Things like accidents and speeding tickets can cause your rates to rise. 

We took a look at the impact that driving record can have on Arkansas car insurance. Our study used male and female driver profiles aged 25, 35, and 60 with good credit and medium insurance coverage. Our driver profiles accrued 12,000 miles of annual mileage, and the vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

A driver profile with a clean record in Arkansas will pay an average representative rate of $1,342, according to our study. That study rate rises by about $300 for a driver profile with one speeding violation. For a driver profile with one accident, the average representative rate is about $600 more than the rate paid by a driver profile with a clean record. A profile with a DUI will pay an average representative rate of $2,250. This is about $900 more than a profile with a clean record. 

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,750.19

$2,026.07

$2,396.42

$2,312.93

Farmers

$1,415.90

$1,823.42

$1,997.45

$1,936.77

Geico

$1,070.34

$1,188.97

$2,153.15

$3,264.70

Nationwide

$1,668.81

$1,905.79

$2,464.20

$3,605.34

Progressive

$1,556.91

$2,127.26

$2,815.25

$1,799.10

State Farm

$1,151.50

$1,245.75

$1,340.02

$1,245.75

Travelers

$1,331.55

$1,722.21

$1,407.99

$2,263.26

USAA

$794.11

$910.30

$1,094.54

$1,568.40

Arkansas Car Insurance Rates by Coverage Type

Most states have minimum insurance coverage requirements. However, many drivers choose to exceed these minimums to ensure that they have enough insurance to protect their assets. To figure out what impact coverage type has on rates, we looked at profiles with three levels of coverage: low, medium, and high. Our study focused on male and female driver profiles aged 25, 35, and 60 who drive 12,000 miles annually and have good credit. Our profiles have clean driving records, and we used the following vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The average representative rate for a profile with low car insurance coverage in the state of Arkansas is $1,296. Average rates rise by about $50 for a driver profile with medium coverage. For a driver profile with high coverage, the average representative rate is roughly $110 higher than that of a driver profile with low coverage. 

If you have an accident while driving with minimum coverage rates, you may wind up having to pay more out of pocket. A strong case can be made for getting coverage that exceeds the state minimum, since this type of coverage will provide greater financial protection in an accident while requiring just an incremental increase in annual premium cost.

Company

Low

Medium

High

Allstate

$1,706.90

$1,750.19

$1,798.96

Farmers

$1,368.93

$1,415.90

$1,474.15

Geico

$1,011.32

$1,070.34

$1,129.91

Nationwide

$1,692.09

$1,668.81

$1,747.21

Progressive

$1,457.09

$1,556.91

$1,733.10

State Farm

$1,089.22

$1,151.50

$1,227.02

Travelers

$1,282.91

$1,331.55

$1,343.25

USAA

$757.45

$794.11

$843.80

Arkansas Car Insurance Rates by Annual Mileage

Your annual mileage will impact your car insurance rates, and it’s easy to see why. All other things being equal, a person who rarely drives is less likely to have a car crash than someone who is frequently behind the wheel, since an infrequent driver spends less time on the road. 

To understand the relationship between annual mileage and car insurance rates, we looked at two driver profiles. The first drives 6,000 miles annually, and the second puts 12,000 miles on the odometer each year. Our study used male and female driver profiles aged 25, 35, and 60 with medium insurance coverage, a clean driving record and good credit. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

According to our study, a profile that drives 6,000 miles annually can expect to pay an average representative rate of $1,317 for car insurance in Arkansas. The average rate increases to $1,342 for a driver profile that logs 12,000 miles each year on the odometer.

Company

6,000 miles annually

12,000 miles annually

Allstate

$1,750.20

$1,750.19

Farmers

$1,415.91

$1,415.90

Geico

$1,028.34

$1,070.34

Nationwide

$1,668.81

$1,668.81

Progressive

$1,556.90

$1,556.91

State Farm

$1,044.13

$1,151.50

Travelers

$1,331.55

$1,331.55

USAA

$740.96

$794.11

Arkansas Car Insurance Rates by City

Within each state, car insurance rates can vary dramatically from city to city. To get a sense of how these differences affect Arkansas car insurance premiums, we looked at average representative rates across 10 of Arkansas’ top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record and good credit. We included three vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

With an annual study premium of $1,483, Little Rock has the highest representative rate of the cities that we looked at in our study. Next up are North Little Rock and Benton, with rates of $1,403 and $1,361, respectively. Bentonville takes the honor for having the lowest average representative rate of the cities listed in our research. The average representative rate in that town is $1,204. 

There is no single factor that determines what insurance rates will look like in a town or city. Rates can be influenced by population density and crime levels. Rates may also be impacted by a city’s accident statistics. 

City

Average Rate

Little Rock

$1,483.11

Fort Smith

$1,226.75

Fayetteville

$1,241.35

Springdale

$1,228.54

Jonesboro

$1,333.24

Rogers

$1,215.71

Conway

$1,276.40

North Little Rock

$1,402.61

Bentonville

$1,203.66

Benton

$1,361.35

Arkansas Auto Insurance Minimum Coverage Requirements

Most states in the U.S have minimum car insurance coverage requirements, and Arkansas is no exception. Arkansas requires all drivers to carry a certain amount of liability insurance. These are the minimum required insurance limits in Arkansas:

  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $25,000 per accident

If you cause an accident that injures other people, bodily injury liability insurance will protect you in a claim made by the injured party, and it will help pay for their medical costs. Keep in mind, though, that this type of insurance won’t cover your personal medical costs in this type of accident. 

For accidents in which you’re at fault and you’ve caused damage to another person’s vehicle or property, property damage liability insurance will pay the bill. This insurance will pay for repair costs associated with the damaged vehicle or property, up to the limits of your policy. 

Cheapest Car Insurance in Arkansas

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Single Young Adult Drivers

Geico

Married Adult Drivers

Geico

Senior Drivers

Geico

Drivers with Good Credit

Geico

Drivers with Poor Credit

Geico

Drivers with a Clean Record

Geico

Drivers with One Speeding Violation

Geico

Drivers with One Accident

State Farm

Drivers with One DUI

State Farm

Low-mileage Drivers

Geico

High-mileage Drivers

Geico

Drivers with Low Coverage

Geico

Drivers with High Coverage

Geico

Drivers with Used Cars

Geico

Drivers with New Cars

Geico

So, which Arkansas car insurance companies offer the lowest rates? To find out, our study used representative driver profiles that put 12,000 miles on the odometer each year. Our profiles have a clean driving record, along with good credit and medium insurance coverage. Male and female drivers who are 25, 35, and 60 years old are included in our profiles. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are used in our study.

Our research shows that the cheapest type of car insurance in Arkansas is low coverage. Among the companies included in our study, USAA offers the best average representative rates for low-coverage insurance, with an annual representative rate of $757. Geico has the second-lowest annual premium, with a representative rate of $1,011. State Farm is next, with an annual representative rate of $1,089. 

Keep in mind that to qualify for the best rates, you’ll need to have a clean driving record and good credit. 

Factors such as your background, driving history, and affiliations will impact each company’s representative rates. For driver profiles with a military affiliation, our study indicates that USAA offers the best rates. For driver profiles who are seniors, single young adults, or married adults, Geico offers the best average representative rates. State Farm offers the lowest average representative rates for driver profiles with an accident or a DUI. 

Why Car Insurance Rates Vary in Arkansas

Insurance companies use statistics to make predictions about a driver’s likelihood of experiencing a car accident. If you’ve had a prior accident or have gotten a speeding ticket, you have a higher chance statistically of getting into a crash. As a result, you’ll likely have to pay higher rates for your car insurance. This rule applies not just to Arkansas, but to all states across the nation.

A driver’s age, driving experience, and financial history may also shed light on how likely that person is to get into a car crash. For this reason, the lowest insurance premiums tend to go to older drivers with good credit scores. 

Insurance rates can vary from city to city, as is evidenced by the differing rates in Arkansas enclaves such as Jonesboro, Little Rock, and Bentonville. Again, statistics are a factor. If you live in a city with high crime rates or a high accident rate, you may pay more in car insurance premiums. 

How to Get the Cheapest Car Insurance in Arkansas

Comparison shopping can save you money with most types of purchases, and this is especially true when buying car insurance. The rate differences from one company to the next can be significant. Before making a final decision, get quotes from several insurance providers. 

You may also qualify for discounts that can save you money. Affiliation discounts are offered by some insurance providers, and these can bring rate reductions for those employed in certain professions. For example, if you have a military background, or if you work as a lawyer, doctor, scientist, firefighter, or police officer, you may qualify for a discount with some insurers. 

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Another way to qualify for a discount is by purchasing more than one policy from the same provider. For example, if you buy both your home insurance and car insurance from the same company, you may become eligible for a discount. If there’s more than one car in your household, you may also qualify for a discounted rate by purchasing insurance for these vehicles from the same company. 

Insurance companies won’t always inform you if there’s a discount available. Be sure to ask questions, so you can take advantage of the deals that are offered. 

It’s important to remember that your driving record plays a massive role in your car insurance rate. You may be able to keep your premiums low by maintaining a clean driving record. 

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Important Laws Around Auto Insurance in Arkansas

In most states, car insurance liability laws fall into two camps: at-fault (also known as tort liability) and no-fault. One difference between these two concerns a victim’s right to sue. Another revolves around which party is responsible for covering the damages incurred by the injured person. 

Let’s start with at-fault insurance. In states that have at-fault laws, the insurance company of the person who caused the crash is responsible for paying for injuries related to the accident. With at-fault insurance, there aren’t any restrictions when it comes to lawsuits. If you’ve caused an accident, you can be sued by the injured parties for pain and suffering, as well as medical costs. 

With no-fault insurance laws, all drivers are required to buy a personal injury protection policy. In the event of a crash, all injured parties have to file claims with their own insurance providers, regardless of who caused the accident. Also, a victim’s right to sue is restricted in states with no-fault insurance. An injured person can sue for severe injuries and pain and suffering only if their injuries meet a certain threshold. 

Arkansas is home to a third, less common set of insurance laws, known as add-on auto liability insurance. These laws represent a hybrid of at-fault and no-fault laws. As with no-fault insurance, injured parties file claims with their own insurance companies, no matter who was at fault in the accident. And as with at-fault insurance, there are no restrictions placed on a victim’s right to sue. 

Arkansas’ insurance laws give victims the right to sue you if you cause an accident. For this reason, it may be a good idea to get coverage that exceeds state minimums, so you can protect your assets if you get sued after causing a crash. 

If you’re over 55, there’s an Arkansas law you should know about. This law requires Arkansas insurers to give a discount to policyholders who are older than 55, as long as they have completed a motor vehicle accident prevention course that has been approved by the state’s Office of Motor Vehicles. 

In states that require drivers to carry car insurance, you’re required to have proof of this coverage with you whenever you’re on the road. This used to mean keeping an insurance card in your car’s glove box. Today, many states have enacted laws that allow you to substitute a digital insurance card with a physical one. Arkansas has laws in place that allow you to use digital insurance cards. 

Arkansas Driving Laws and Punishments

In Arkansas, drivers who are between the ages of 18 and 20 are not allowed to use a hand-held cell phone while driving. For drivers of all ages, text messaging is prohibited. Text messaging is a primary offense law in Arkansas. This means a police officer or sheriff’s deputy can initiate a traffic stop solely for text messaging, without observing any other violation. Fines for driving while texting can climb as high as $100. 

In Arkansas, a vehicle’s driver and front-seat passenger are required to wear seatbelts if they’re 15 or older. Children between the ages of 6 and 15, or those who are at least 60 pounds, must be restrained in a seatbelt in any seat, front or back. For children under 6 and those who weigh less than 60 pounds, a child restraint is mandatory. Arkansas laws prohibit you from riding in the back of an unenclosed pickup truck, unless you’re an employee on duty, though some other exceptions to this rule apply. 

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As far as alcohol-related DUI offences are concerned, most states have set a blood alcohol limit of 0.08 percent, and this is the limit upheld in Arkansas. As with all other states and the District of Columbia, the legal drinking age in Arkansas is 21.

Arkansas has a chemical test law with an implied consent provision. If you’re operating a vehicle on a public street and you’re suspected of driving under the influence, by law, you have to agree to a chemical test to determine your blood alcohol level. If you fail the test or refuse to take it, your driver’s license may be suspended or revoked. 

In Arkansas, a DUI conviction is punishable by up to one year in prison and up to $1,000 in fines if it’s a first offense. Instead of a prison sentence, the judge may give you 30 days of community service. If the DUI is a fourth offense committed within five years of the first offense, it becomes a felony punishable by up to six years in prison and $5,000 in fines. All these penalties may be much harsher if the DUI has caused an accident, property damage, or death. 

If you’re an impaired driving offender, Arkansas law requires you to use an ignition interlock device on your vehicle. Working in a way that’s similar to a breathalyzer, this device tests your blood alcohol level before you start the car. If your level exceeds the legal limit, the car’s ignition will be temporarily locked. 

Arkansas drivers aren’t required to get uninsured motorist insurance coverage. 

Arkansas Car Insurance FAQs

Is car insurance required in Arkansas?

Yes, car insurance is required in Arkansas. Bodily injury liability and property damage liability coverage are mandatory. 

Arkansas drivers are required to have proof of insurance when they’re behind the wheel, and this can take the form of a physical insurance card or a digital one. 

Which cars are required to be insured in Arkansas?

Any vehicle that is registered to be driven in Arkansas needs to be insured. 

When should I get car insurance in Arkansas?

You need to show proof of insurance to register a vehicle in Arkansas. For this reason, you should purchase your car insurance prior to vehicle registration. 

What happens if my car is not properly insured in Arkansas?

For a first offense, failure to provide proof of insurance could result in a fine of between $50 and $250, unless this proof is presented within 10 days of your arrest. For a second offense, you could face a fine of up to $500, and a minimum penalty of $250 is mandatory. For third and subsequent offenses, there’s a mandatory fine of between $500 and $1,000, and you could also be sentenced to a year’s imprisonment. 

In all of the situations discussed above, you could have your registration suspended. You could also have your vehicle impounded if it’s been involved in an accident. 

Is Arkansas a no-fault state?

Arkansas is one of just a handful of states that has add-on laws when it comes to car insurance. These laws are a blend of at-fault and no-fault laws. As with no-fault insurance, injured parties are required to file claims with their own insurance companies, regardless of who was at fault in the accident. And as with at-fault insurance, Arkansas’ laws place no restrictions on a victim’s right to sue. 

Do I need uninsured motorist coverage in Arkansas?

No, uninsured motorist coverage isn’t required by law in Arkansas. 

Is liability insurance required in Arkansas?

Yes, liability insurance is required in Arkansas. For bodily injury liability, the minimum coverage required is $25,000 per person and $50,000 per accident. For property damage liability, drivers are required to have coverage of at least $25,000 per accident.

Does Arkansas accept digital insurance cards?

Yes, in Arkansas you can use digital insurance cards to provide proof of insurance.