The state of Arkansas requires all drivers to maintain at least liability auto insurance, but savvy drivers will look for full-coverage policies. Either way, we’re here to help you find the best auto insurance in Arkansas.
Our review team has researched the best car insurance companies in the U.S., and in this article, we’ll take another look at how those companies serve Arkansas drivers, specifically. By looking at regional customer satisfaction reports as well as local rates, we’ve come up with a list of the best auto insurance providers in Arkansas.
In addition to reading our recommendations, you should reach out for individualized quotes if you want to find the cheapest insurance premiums for your vehicle. You can request free quotes from top-rated providers by using the tool below.
In this article:
- Cheapest Car Insurance Companies In Arkansas
- 5 Best Auto Insurance Companies In Arkansas
- Arkansas Car Insurance Requirements
- What To Know About Driving In Arkansas
- Final Thoughts
- FAQ: Auto Insurance In Arkansas
Cheapest Car Insurance Companies In Arkansas
According to our rate estimates for Arkansas, USAA, State Farm, and Nationwide are among the cheapest car insurance companies across the state.
|Car Insurance Provider||Average Annual Cost Estimate|
|Arkansas Farm Bureau||$1251|
Cost Of Auto Insurance In Arkansas
The biggest factors that determine the cost of your auto insurance are your age, gender, marital status, driving record, and city. However, the average cost also varies by state. The chart below shows average insurance costs in 2018 according to data collected by the National Association of Insurance Commissioners (NAIC).
|Type Of Coverage||Average Annual Expenditure|
*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.
Arkansas drivers pay more for comprehensive coverage than the national average of $1,056, but costs for liability and collision policies are lower. The total average annual expenditure is also significantly lower for Arkansas drivers.
Annual Arkansas Car Insurance Estimates By Age
A 24-year-old driver can pay up to $544 more for car insurance than a 35-year-old driver.
|Age||Arkansas Annual Car Insurance|
Annual Arkansas Car Insurae Estimates By Gender
The rate estimates for female drivers is slightly higher than male drivers in the state.
|Gender||Arkansas Annual Car Insurance|
Annual Arkansas Car Insurance Estimates For Drivers With Bad Credit
Drivers with bad credit scores can pay nearly double for car insurance than drivers with good credit scores.
|Credit Rating||Arkansas Annual Car Insurance|
Annual Arkansas Car Insurance Estimates For Bad Drivers
High-risk drivers in Arkansas can expect their car insurance rates to increase drastically.
|Driving Record||Arkansas Annual Car Insurance|
5 Best Auto Insurance Companies In Arkansas
If you’re looking for the best auto insurance in Arkansas, be sure to consider customer reputation and coverage options, as well as cost. Each of our recommended insurers provides full coverage offerings at some of the lowest rates in the state while also upholding a reputation for quality customer service.
|Best Auto Insurance In Arkansas||Motor1 Rating||Average Cost|
|1. Auto-Owners Insurance||4.0||N/A|
|2. USAA Car Insurance||5.0||$869|
|3. Geico Car Insurance||4.5||N/A|
|4. Arkansas Farm Bureau Auto Insurance||4.0||$1251|
|5. Progressive Car Insurance||4.5||$1478|
*Not all companies were included in our rate estimates for each state. You may also notice that some car insurance companies are listed above those with higher star ratings. This is because our star ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for car insurance in Arkansas.
#1 Auto-Owners Insurance: Best Local Service
We’ve rated Auto-Owners Insurance the No. 1 provider for auto insurance in Arkansas because of its excellent customer service reputation in the area. In the J.D. Power 2020 U.S. Auto Insurance Satisfaction StudySM for the Central region, Auto-Owners insurance scored 868 out of 1,000 points. This score put it in first place for the region, well above the regional average score of 843.
Auto-Owners Insurance is sold through local agents who are knowledgeable about Arkansas car insurance. Your agent will guide you through the purchase process and assist you with handling claims. For customers who need more help finding the right insurance options, this method of purchasing insurance can be appealing. For those looking for a faster quotes and claims process, this may be considered a downside.
In addition to the standard types of auto insurance, Auto-Owners customers can also find the following extra coverage and add-on options:
- Roadside assistance
- Rental and travel expenses
- Loan/lease gap coverage
- Diminished value/new car replacement
- Personal automobile plus package, with extras like identity theft coverage and phone replacements
If you’re looking for low-cost auto insurance in Arkansas, Auto-Owners Insurance may be your best bet. Our research indicates it is one of the most affordable providers in the region, often offering auto insurance rates lower than the state average. Customers can save even more by taking advantage of any of Auto-Owners’ numerous available discounts, including:
- Multi-policy discount
- Payment history discount
- Pay-in-full discount
- Green discount
- Advanced quote discount
- Multi-car discount
- Safety features discount
- Favorable loss history discount
- Good student discount
- Student away at school discount
- Teen driver monitoring discount
While not available in every state, Auto-Owners is an option in Arkansas, and it is certainly worth considering if you’re a driver in the state.
|Auto-Owners Insurance Pros||Auto-Owners Insurance Cons|
|Local licensed agents throughout Arkansas||Have to contact an insurance agent to get a quote or file a claim|
|Helpful mobile app|
|Excellent customer service reputation|
#2 USAA: Best For Military
USAA actually scored the highest of any company in the 2020 J.D. Power Satisfaction Study for the Central region, with a total of 905 out of 1,000 points. The company is not available to all drivers in the state, however, so it was not eligible for formal ranking. Only military members and their families are eligible to become USAA members.
If you are able to purchase a USAA insurance policy, we highly recommend this provider for auto insurance in Arkansas. The insurer boasts extensive coverage options, including standard policies as well as:
- Rental reimbursement
- Accident forgiveness
- Roadside assistance
- Guaranteed asset protection (GAP)
- Car replacement assistance (CRA)
- Glass coverage
USAA offers full-coverage insurance options, and it does so at low rates. Arkansas drivers may find USAA has the lowest car insurance rates in the state, especially if you can take advantage of USAA’s many discount offerings, such as:
- Military installation discount
- Driver training course
- Defensive driving course
- Family discount
- Good student discount
- New vehicle discount
- Automatic payment discount
- Annual mileage discount
- Premier driver discount
USAA has an A++ (Superior) financial strength rating from AM Best and a proven record of meeting customer claims obligations. It’s certainly worth considering if you’re eligible for a USAA membership.
|USAA Pros||USAA Cons|
|Good option for military members||Only available for military members and their families|
|Affordable rates and numerous discounts|
|Superior financial strength rating and A- rating from the BBB|
Learn more by reading our full USAA insurance review.
#3 Geico: Best Overall In The Nation
Geico has a strong customer service reputation in Arkansas. In the J.D. Power Satisfaction Study for the Central region, it scored a total of 855 out of 1,000 possible points. This put it in second place overall, just behind Auto-Owners insurance. And Geico does well by other customer service metrics. The company is accredited by the Better Business Bureau (BBB) where it holds an A+ rating and numerous positive reviews.
Those shopping for full coverage auto insurance can find it with Geico. It offers every type of standard auto insurance policy as well as the following coverage options:
- Roadside assistance coverage: For as little as $14 per year, Geico’s roadside assistance policy will pay for jump-starts, spare tire installation, towing, and lockout services up to $100.
- Rental reimbursement: This covers the cost of a rental vehicle while your car is in the shop. Coverage limits and costs vary.
- Mechanical breakdown insurance (MBI): This covers parts of your car that break down due to mechanical wear, similar to an extended auto warranty.
Customers can save with a Geico policy by taking advantage of the following Geico discounts:
- Defensive driver discount
- Safety feature discounts
- Good student discount
- Good driver discount
- Anti-theft device discount
- Multiple policy discount
- Military discount
- Federal employee discount
We think Geico is certainly worth considering for Arkansas drivers, especially given that the quotes process is quick and easy.
|Geico Pros||Geico Cons|
|Superior financial strength rating and A+ rating from the BBB||Average quotes experience|
|Many choices for coverage||Usage-based app not available in all states|
|High level of customer satisfaction|
|Available in 50 states|
For more information on Geico, read our complete Geico review.
#4 Arkansas Farm Bureau: Cheap Car Insurance In Arkansas
For over 65 years, the Arkansas Farm Bureau has offered low-cost auto insurance to drivers in the Natural State. The Farm Bureau is a national organization and it offers auto insurance policies to its members in several states. Anyone can become a member by paying a low annual fee.
Policies are purchased and handled through local agents, which has benefits as well as downsides. Local agents have expertise in Arkansas auto insurance requirements and can help you pick the best policy for your budget, but you must work through an agent to request quotes and file claims.
In our research, we found rates for Arkansas Farm Bureau auto insurance to be lower than the state average. However, your premium prices will vary by county as well as your personal driver profile.
Arkansas Farm Bureau offers a number of discounts, such as:
- Policy bundling discounts
- Discounts for being claim-free for three years
- Young driver safety program discount
- Defensive driving discount
- Good student discount
- Multi-car discount
- Loyalty discount
While customer reviews for the Arkansas Farm Bureau are somewhat mixed, the potentially low rates make the company worth contacting for a quote if you are trying to find cheap auto insurance in Arkansas.
|Arkansas Farm Bureau Pros||Arkansas Farm Bureau Cons|
|Low-cost options for Arkansas drivers||Must be purchased through local agents|
|Knowledgeable agents provide customer support||Mixed customer reviews|
To learn more about this provider, read our full Arkansas Farm Bureau insurance review.
#5 Progressive: Best For High-Risk Drivers
Progressive is a good option for drivers across the United States, including Arkansas. It has a solid reputation for customer service and an A- rating from the BBB. Progressive also does well in regional polls, ranking fourth in the Central region in the 2020 J.D. Power Satisfaction Study.
Progressive doesn’t only offer good service, but it may offer the lowest rates for auto insurance in Arkansas for some drivers. Those able to take advantage of the following discounts may be interested in an insurance policy from Progressive:
- Deductible savings bank: Reduces your deductible by $50 for every six months you go without filing a claim
- Policy bundling: Offers discounts for bundling your auto policy with another Progressive insurance policy, such as home insurance or Progressive motorcycle insurance
- Snapshot® mobile app: Offers premium reductions for safe driving by monitoring your driving habits to set your premium
Another way to save with Progressive is by using the Name Your Price® Tool. This tool lets you start shopping for auto insurance by picking the price you hope to pay and finding policies that fit that requirement.
|Progressive Pros||Progressive Cons|
|One of the top auto insurers in the U.S.||Average claims process|
|Superior financial strength rating and A+ rating from the BBB||Mixed customer service reviews|
|Great choice for high-risk drivers||Usage-based app not available in all states|
|Available in 50 states|
Learn more about the company by reading our Progressive insurance review.
Arkansas Car Insurance Requirements
Like most states, Arkansas requires that all drivers maintain a liability auto insurance policy at the very least. The minimum required coverage amounts are described as 25/50/50. This means policies must cover at least the following:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Failing to maintain at least the minimum required policy can result in the suspension of your registration until a $20 fee is paid. If you’re caught driving without insurance in Arkansas, you will also be subject to the following penalties:
- First offense: A fine between $50 and $250
- Second offense: A fine between $250 and $500
- Third offense and beyond: A fine between $500 and $1,000, and a jail sentence up to one year
The legal consequences are enough to discourage drivers from failing to maintain minimum required coverage, but drivers would be wise to carry full-coverage auto insurance as well. A full-coverage policy means also purchasing comprehensive car insurance coverage, collision coverage, medical coverage, and uninsured/underinsured motorist coverage. Most providers will include these policies with liability coverage at a relatively low increase in cost.
What To Know About Driving In Arkansas
Based on information provided by the Insurance Institute for Highway Safety (IIHS), Arkansas drivers traveled an average of 17,095 miles per licensed driver in 2018. This is a bit higher than in other states. Perhaps because of the higher number of miles traveled, deaths from car crashes were higher than in other states. There were 516 deaths in Arkansas in 2018, which was 17.1 deaths per 100,000 people.
Arkansas drivers pay close to the national average for car insurance. The state minimum requirements are not very high, but it is wise to maintain full coverage insurance in any state. Those looking for high-quality policies should consider Auto-Owners Insurance, USAA, and Geico. All of these companies offer auto insurance in Arkansas and are well regarded by Arkansas drivers.
If you are looking for cheap coverage options and do not have access to USAA insurance, the Arkansas Farm Bureau is a good option to request an auto insurance quote. Of course, the only way to find the cheapest auto insurance in Arkansas is to shop around and compare quotes. Use the free tool below to get started.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.