Best and Cheapest Car Insurance in Arkansas for 2024 (Save Money With These 10 Companies)
The best and cheapest car insurance in Arkansas comes from Geico, USAA, and State Farm, offering competitive rates starting at $48 monthly. Geico stands out for affordability, while USAA provides excellent service for military members, and State Farm balances costs with reliable coverage.
For a variety of drivers, each supplier is the best option because they provide special advantages including discounts and first-rate customer service. To assist you in selecting the ideal policy for your requirements, this article examines their costs and additional options for coverage.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | $48 | A++ | Cheap Rates | Geico |
 |
#2 | $49 | A++ | Military Members | USAA |
 |
#3 | $55 | B | Customer Service | State Farm |
 |
#4 | $62 | A | Cost Savings | American Family |
 |
#5 | $65 | A+ | Loyalty Discount | Nationwide |
 |
#6 | $67 | A+ | Competitive Rates | Progressive |
 |
#7 | $69 | A++ | Bundling Policies | Travelers |
 |
#8 | $71 | A | Accident Forgiveness | Farmers |
 |
#9 | $74 | A+ | Personalized Policies | Allstate |
 |
#10 | $81 | A | Loyalty Rewards | Liberty Mutual |
Compare these top providers in Arkansas to find the best coverage at the lowest cost. To examine your alternatives for auto insurance and discover which companies are offering the best rates, enter your ZIP code above.
What You Should Know
- The best and cheapest car insurance in Arkansas starts at $48/month only
- USAA offers great service and rates for military families in Arkansas
- Geico provides the lowest rates in Arkansas, starting at just $48 per month
On this page:
- Geico: Top Overall Pick
- USAA: Best for Military Members
- State Farm: Best for Customer Service
- American Family: Best for Cost Savings
- Nationwide: Best for Loyalty Discounts
- Progressive: Best for Competitive Rates
- Travelers: Best for Bundling Policies
- Farmers: Best for Accident Forgiveness
- Allstate: Best for Personalized Policies
- Liberty Mutual: Best for Loyalty Rewards
- Minimum Car Insurance Coverage and Limits in Arkansas
- Best Savings for Car Insurance for Teens in Arkansas
- Most Affordable Car Insurance Rates for Married Couples in Arkansas
- Top Picks for Highest Savings on Car Insurance Rates for Seniors in Arkansas
- Most Affordable Areas in Arkansas for Car Insurance
- Most Expensive Areas in Arkansas for Car Insurance
- Arkansas' Percentage of Uninsured Drivers
- Factors Affecting Car Insurance Rate in Arkansas
- Strategies for Saving Money on Car Insurance in Arkansas
- How Clearsurance Ranks Arkansas Car Insurance Companies
- Mastering Car Insurance Coverage
#1 – Geico: Top Overall Pick
Pros
- Best for Savings: Geico is the most economical option for savings, with monthly premiums starting at $48 for the minimal coverage. For drivers on a tight budget, this is the most affordable auto insurance company in Arkansas.
- Reasonably-Priced**: This car insurance provider has some of the cheapest rates in Arkansas and the lowest levels of coverage starting at $48 per month.
- High Savings on Full Coverage: With monthly rates as low as $112, Geico is among the greatest choices for comprehensive vehicle insurance in Arkansas. This is a result of the substantial savings on complete coverage that it offers.
Cons
- Limited Coverage Options: While Geico excels in price, it may need more coverage options than some of Arkansas's best car insurance providers. You may explore our comparison article on "Geico vs. Progressive: Which car insurance company do customers say is better?"
- Customer Service Quality: Average customer service ratings may impact overall satisfaction for those seeking the best car insurance in Arkansas.
#2 – USAA: Best for Military Members
Pros
- Affordable Rates for Military Members: Based on our evaluations of USAA customer ratings, one of the least expensive auto insurance providers in Arkansas for military personnel is USAA, which has an amazing monthly minimum coverage rate of $49 available.
- Exclusive Savings for Military: This company delivers exclusive discounts and savings for active and former military personnel, offering this group the best car insurance in Arkansas.
- Reliable Full Coverage: Full coverage rates at $115 per month ensure USAA remains one of the best car insurance in Arkansas choices for comprehensive coverage.
Cons
- Limited to Military Families: USAA's coverage is only available to military members and their families, restricting the general public's access to one of Arkansas's best car insurance providers.
- Fewer Local Offices: Fewer physical branches can disadvantage those who prefer in-person service from one of Arkansas's best car insurance companies.
#3 – State Farm: Best for Customer Service
Pros
- Competitive Rates: State Farm offers competitive rates at $55 per month for minimum coverage, making it a contender for the best car insurance in Arkansas.
- Customer Service Excellence: Our analysis of State Farm insurance customer reviews reveals that State Farm is known for exceptional customer service. This company stands out as one of Arkansas's best car insurance companies for personalized support.
- Full Coverage Savings: At $130 for full coverage, drivers can expect savings while enjoying one of the best car insurance in Arkansas for robust protection.
Cons
- Limited Discounts: State Farm's multi-policy discounts are less generous than some of the cheapest car insurance in Arkansas competitors, which could limit overall savings.
- Higher Rates for Certain Drivers: While affordable for many, rates could be higher for high-risk drivers compared to the cheapest car insurance in Arkansas providers.
#4 – American Family: Best for Cost Savings
Pros
- Excellent for Cost Savings: Offering a monthly minimum coverage rate of $62, American Family delivers exceptional value for those seeking the cheapest car insurance in Arkansas.
- Cost-Efficient Coverage: Affordable total coverage rates at $140 ensure significant savings, making this one of Arkansas's best car insurance options for both minimum and full coverage.
- Discount Opportunities: Our examination of American Family Insurance customer ratings shows American Family excels in offering various discounts, securing its place as one of the cheapest car insurance in Arkansas.
Cons
- Average Customer Service: While savings are substantial, Arkansas's best car insurance companies may need to improve.
- Limited National Availability: American Family's coverage is only available in some states, which may limit access to this cheapest car insurance in Arkansas provider.
#5 – Nationwide: Best for Loyalty Discounts
Pros
- Rewards for Long-Term Policyholders: Policyholders benefit from loyalty rewards, making Nationwide a top choice for those looking for the best car insurance in Arkansas for long-term savings.
- Loyalty Rewards: Our assessment of Nationwide customer reviews illustrates that Nationwide's policyholders benefit from loyalty rewards, securing its spot as one of Arkansas's best car insurance companies for long-term savings.
- Affordable Full Coverage: Full coverage rates at $145 per month provide competitive pricing, making Nationwide one of the best car insurance in Arkansas for comprehensive coverage.
Cons
- Limited Bundling Savings: Bundling discounts are less substantial than Arkansas's cheapest car insurance options.
- Above-Average Rates for Some Drivers: Depending on your profile, rates may be higher than the cheapest car insurance in Arkansas options.
#6 – Progressive: Best for Competitive Rates
Pros
- Competitive Rates: The findings from our Progressive insurance customer reviews demonstrate Progressive offers competitive monthly rates at $67 for minimum coverage, positioning itself as one of the cheapest car insurance in Arkansas for drivers.
- Strong Full Coverage Savings: With full coverage rates of $152, Progressive is a good choice for complete protection at one of the lowest auto insurance rates in Arkansas.
- Discount Opportunities: Progressive's discounts, especially for safe driving, help policyholders achieve higher savings on one of Arkansas's cheapest car insurance policies.
Cons
- Mixed Customer Service Ratings: Customer service may be weaker than that of competitors, which could affect the experience of choosing the best car insurance provider in Arkansas.
- High Rates for High-Risk Drivers: Rates may increase substantially for drivers with accidents or tickets, making it less competitive than the cheapest car insurance in Arkansas.
#7 – Travelers: Best for Bundling Policies
Pros
- Opportunities for Discounts: With Travelers, you can get minimum coverage for as low as $69, and bundling policies unlock even more ways to save.
- Bundling Savings: Our Travelers Companies, Inc. customer reviews indicate that Travelers excels in offering discounts for bundling auto and home policies, positioning itself as one of Arkansas's cheapest car insurance companies for combined policies.
- Competitive Full Coverage: Full coverage at $160 per month makes Travelers the best car insurance option for comprehensive protection in Arkansas.
Cons
- Higher Minimum Coverage Rates: Travelers' minimum coverage rates are slightly higher than those of the cheapest car insurance in Arkansas, such as those of competitors like Geico or USAA.
- Average Customer Service: Customer service is rated as average, which may need to meet expectations for the best car insurance in Arkansas provider.
#8 – Farmers: Best for Accident Forgiveness
Pros
- Accident Forgiveness: This feature reduces the impact of rate increases after an accident, making Farmers one of the best car insurance in Arkansas for at-fault drivers.
- Full Coverage Savings: At $158 per month, full coverage remains a competitive option for those seeking one of the best car insurance in Arkansas providers.
- High Coverage Limits: Our Farmers insurance customer reviews suggest Farmers offers generous coverage limits, making sure drivers get the strong protection they need for more extensive coverage.
Cons
- Higher Rates for Minimum Coverage: Farmers' minimum coverage rates are higher than some of Arkansas's cheapest car insurance options.
- Limited Discount Options: Discount opportunities are fewer than those of other best car insurance providers in Arkansas, affecting overall savings.
#9 – Allstate: Best for Personalized Policies
Pros
- Tailored Policies: Allstate provides personalized policies, with minimum coverage options starting at $74 per month, ensuring drivers receive the exact coverage they need.
- Flexible Coverage Options: Based on our Allstate customer reviews, Allstate allows drivers to customize their coverage, making it one of Arkansas's best car insurance for those needing personalized policies.
- Full Coverage Protection: Full coverage at $169 monthly provides comprehensive protection for drivers seeking extensive insurance.
Cons
- Higher Premiums: Allstate's rates, especially for full coverage, are higher than those of some of the cheapest car insurance providers in Arkansas, reducing its appeal to price-conscious drivers.
- Limited Savings on Bundling: While bundling is available, overall savings may not be as high as those offered by other cheapest car insurance providers in Arkansas.
#10 – Liberty Mutual: Best for Loyalty Rewards
Pros
- Loyalty Program Benefits: Drivers who remain with Liberty Mutual benefit from extensive loyalty rewards, making it a top contender for the best car insurance in Arkansas.
- Full Coverage Options: At $189 for full coverage, Liberty Mutual offers competitive pricing and positions itself as one of Arkansas's best car insurance companies.
- Discounts for Long-Term Customers: Our Liberty Mutual insurance customer reviews highlight that the company offers discounts that increase the longer you stay with it, enhancing savings.
Cons
- Higher Minimum Coverage Rates: Liberty Mutual’s minimum coverage rates at $81 are among the highest, making it less appealing for those seeking the cheapest car insurance in Arkansas.
- Average Discounts: Discount opportunities are less robust than those from competitors, affecting its competitiveness as one of Arkansas's best car insurance providers.
Minimum Car Insurance Coverage and Limits in Arkansas
Arkansas drivers are only legally required to carry liability insurance, which covers other people's injuries or damages when you're at fault. But there are several optional coverages worth considering for extra peace of mind.
Collision and comprehensive coverages are particularly valuable. They cover damage to your own vehicle in accidents where you're at fault, as well as non-accident events like hail or vandalism. While the state requires minimum liability limits, it's important to remember these are just the basics. Opting for higher coverage can better protect you from being underinsured in a serious accident.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
|
$74 | $169 |
|
$62 | $140 |
|
$71 | $158 |
|
$48 | $112 |
|
$81 | $189 |
|
$65 | $14 |
|
$67 | $152 |
|
$55 | $130 |
|
$69 | $160 |
|
$49 | $115 |
The minimum required limits for liability coverage in Arkansas are listed below, but it's essential to remember that these are just minimums. Drivers should strongly consider purchasing at a higher coverage limit, as these state minimum requirements would likely leave you underinsured in a costly accident.
Here are Arkansas' minimum car insurance requirements:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
Arkansas drivers need to know how much bodily injury liability is needed as this provides coverage for injuries sustained by the other vehicle's driver and passengers if they are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage if you damage someone else's property in a car accident, most commonly the other vehicle, but also things like a home or fence.
The table presents the number of accidents and claims per year across various cities in Arkansas. Little Rock leads with the highest numbers, reporting 7,500 accidents and 7,100 claims annually. Fort Smith follows with significantly lower figures, at 3,200 accidents and 3,000 claims.
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collisions | 30% | $3,500 |
| Single-Vehicle Accidents | 20% | $4,200 |
| Weather-Related Damage (Hail, Floods) | 18% | $5,000 |
| Uninsured Motorist Claims | 15% | $6,500 |
| Theft or Vandalism | 10% | $2,800 |
Smaller cities like Pine Bluff report far fewer incidents, with just 1,000 accidents and 950 claims per year. This data suggests a clear variation in accident and claim rates across the state, likely influenced by factors like population density and traffic patterns.
The Arkansas auto insurance market performs well in many areas but has room for improvement in key aspects. Discount availability is strong, with options for safe drivers and policy bundling, earning an A-. However, claims processing efficiency lags with delays, reflected in a C grade. Customer satisfaction is generally positive, though some concerns about handling claims persist, leading to a B+ rating.
| Category | Grade | Explanation |
|---|---|---|
| Discount Availability | A- | Many discounts for safe drivers, bundling, and more |
| Customer Satisfaction | B+ | Generally positive but issues with claims processing |
| Coverage Options | B+ | Good selection but fewer high-end coverage options |
| Regulation & Transparency | B | Adequate state regulations, room for improvement |
| Innovative Policy Features | B | Some innovative features, but limited |
| Response to Catastrophes | B | Adequate response to major weather events, with room for improvement |
| Online Services & Tools | B | Functional but not as user-friendly as top competitors |
| Affordability | B- | Slightly above national average |
| Risk-Based Pricing | C+ | Premiums rise significantly after minor violations |
| Claims Processing Efficiency | C | Delays are common in claims handling |
The range of coverage options is decent, though there are fewer high-end choices available. Affordability remains a concern, as premiums are slightly above the national average, scoring a B-. Meanwhile, risk-based pricing leads to sharp increases in premiums after minor violations, contributing to a lower C+ grade.
Best Savings for Car Insurance for Teens in Arkansas
USAA offers Arkansas's cheapest car insurance rates for female teen drivers, followed closely by State Farm. USAA also provides the lowest rates for male teen drivers, with State Farm as the second most affordable option.
These rates stand out among the most prominent car companies for high-risk drivers in Arkansas, other providers like Geico and Liberty Mutual offer competitive yet higher premiums.
| Insurance Company | Age: 18 Female | Age: 18 Male |
|---|---|---|
|
$206 | $245 |
|
$140 | $190 |
|
$278 | $292 |
|
$113 | $111 |
|
$116 | $128 |
|
$131 | $171 |
|
$327 | $372 |
|
$82 | $102 |
|
$283 | $452 |
|
$69 | $73 |
These rates are based on profiles for 18-year-old male and female drivers in Arkansas. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Arkansas will differ. Rate data is provided by Quadrant Information Services.
Most Affordable Car Insurance Rates for Married Couples in Arkansas
Hopefully, this doesn't come as a surprise, but your marital status can dictate how much you spend monthly on your auto policy payments. Among the best car insurance companies for married couples, USAA offers the cheapest rates in Arkansas at $27 per month.
Other top contenders include State Farm at $37 and Geico at $38, making them excellent choices for married couples seeking affordable coverage. Comparatively, Liberty Mutual offers rates at $39, while Farmers comes in at $73, making it one of the more expensive options.
| Insurance Company | Monthly Rates |
|---|---|
|
$68 |
|
$59 |
|
$73 |
|
$38 |
|
$39 |
|
$58 |
|
$68 |
|
$37 |
|
$47 |
|
$27 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Arkansas will differ. Rate data is provided by Quadrant Information Services.
Top Picks for Highest Savings on Car Insurance Rates for Seniors in Arkansas
For senior drivers looking for car insurance in Arkansas, USAA offers the cheapest average rates among the ten largest Arkansas companies, with an average of $18 for 65-year-old male and female drivers.
Geico follows closely, offering $32 for females and $31 for males. Other options among the best car insurance companies for seniors include State Farm at $27 for both genders and Liberty Mutual, which charges $31 for females and $34 for males.
| Insurance Company | Age: 65 Female | Age: 65 Male |
|---|---|---|
|
$55 | $55 |
|
$46 | $46 |
|
$56 | $56 |
|
$32 | $31 |
|
$31 | $34 |
|
$42 | $43 |
|
$47 | $44 |
|
$27 | $27 |
|
$37 | $37 |
|
$18 | $18 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Arkansas will differ. Rate data is provided by Quadrant Information Services.
Most Affordable Areas in Arkansas for Car Insurance
Your car insurance rates vary based on your state, but did you know that rates also vary by area within the state? In the table below, you can explore ways to get cheap car insurance by viewing Arkansas's top ten cheapest areas based on average rates for single adults.
| City | Monthly Rates |
|---|---|
| Bentonville | $106 |
| Clarksville | $106 |
| Coal Hill | $106 |
| Hartman | $106 |
| Lowell | $106 |
| Magazine | $107 |
| Paris | $107 |
| Ratcliff | $106 |
| Russellville | $107 |
| Siloam Springs | $107 |
These rates are based on a 35-year-old single adult with one driver and vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Arkansas will differ. Rate data is provided by Quadrant Information Services.
Most Expensive Areas in Arkansas for Car Insurance
On average, West Helena and Helena are the most expensive areas in Arkansas for car insurance. Car insurance rates vary by area in Arkansas, which helps explain why car insurance is so expensive in certain regions. This is due to differing driving behavior, frequency of accidents, and crime rates.
The table below displays the top ten most expensive areas in Arkansas for car insurance based on average rates for a single adult.
| City | Monthly Rates |
|---|---|
| Barton | $136 |
| Crumrod | $136 |
| Elaine | $135 |
| Helena | $139 |
| Lexa | $136 |
| Marvell | $136 |
| Oneida | $137 |
| Poplar Grove | $134 |
| Turner | $134 |
| West Helena | $139 |
These rates are based on a 35-year-old single adult with one driver and vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Arkansas will differ. Rate data is provided by Quadrant Information Services.
Arkansas' Percentage of Uninsured Drivers
Another optional coverage in Arkansas is uninsured and underinsured motorist coverage. This coverage is similar to liability, but instead of protecting other drivers and their property, it protects you against drivers who either don’t have insurance or don’t have enough insurance. It also protects you from hit-and-run drivers.
According to 2015 data from the Insurance Information Institute, 16.6 percent of Arkansas drivers are uninsured, ranking the state ninth-highest in the country. Given this high percentage, Arkansas drivers must consider its uninsured and underinsured motorist coverage.
Factors Affecting Car Insurance Rate in Arkansas
When searching and comparing quotes from Arkansas's best auto insurance companies, it can be frustrating to understand how your insurance rates are determined. While there is no exact formula that each car insurance company uses when providing you with a quote, many factors contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Age, Gender, & Marital Status
- Driving Record & Annual Mileage
- Your Car’s Make, Model, and Year
- Location & Credit Score
- Amount of Car Insurance Coverage
A common misconception about insurance rates is that they're influenced solely by your driving record. What is a driving record and what does it track? The driving history of others in your area also affects what you pay. For example, even if you’ve had no accidents for two years, your rates could still increase if there’s been a rise in accidents nearby. Why does this happen?
Insurance companies disperse risk across all policyholders to ensure they have enough funds to pay claims when needed. That's why they generally quote you an average cost when shopping around. But imagine a scenario where they only raised rates for drivers with an accident.
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Little Rock | 7,500 | 7,100 |
| Fort Smith | 3,200 | 3,000 |
| Fayetteville | 2,800 | 2,600 |
| Springdale | 2,500 | 2,300 |
| Jonesboro | 2,300 | 2,100 |
| North Little Rock | 2,100 | 2,000 |
| Conway | 1,800 | 1,700 |
| Rogers | 1,500 | 1,400 |
| Bentonville | 1,200 | 1,100 |
| Pine Bluff | 1,000 | 950 |
Drivers who had an expensive claim couldn't afford the raised rates based on how much their insurer had to pay after an accident. So, insurance companies slightly increase rates across the board to offset the costs, though, of course, the at-fault driver may see a more significant increase than someone with a clean driving record.
Strategies for Saving Money on Car Insurance in Arkansas
We'd all like the best coverage from one of the best Arkansas car insurance companies at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Six ways to lower your car insurance premiums: bundle your policies, increase your deductible, pay upfront, explore usage-based insurance, keep track of price shifts, and shop for better rates. Also, ask about available discounts and compare quotes to get the best deal.
It all comes down to shopping competitively. Be sure to check a car insurance shopping guide on how to save money. Even if your driving history sports a clean record, you may need more than that to get the best rates.
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Driver Discount | A | 20% | Geico, State Farm, Progressive |
| Multi-Car Discount | A- | 25% | Allstate, Direct Auto, Nationwide |
| Bundling Discount | A | 20% | State Farm, Allstate, Progressive |
| Good Student Discount | B+ | 10% | Geico, Nationwide, Liberty Mutual |
| Low-Mileage Discount | B | 10% | MetLife, Nationwide, Liberty Mutual |
| Anti-Theft Device Discount | B+ | 15% | State Farm, Geico, Allstate |
| Military Discount | A | 25% | USAA, Geico, Direct Auto |
Naturally, you should also be aware that even if you do everything mentioned above, factors outside your control may hinder you from getting the lowest auto insurance quotes. Your city, your age—you're not going to move to find a cheaper insurance rate, nor can you age into a less expensive coverage bracket.
| Insurance Company | Available Discount |
|---|---|
|
New Car, Safe Driving Bonus, Early Signing, Multi-Policy |
|
Accident-Free, Steer Into Savings, Good Driver, Defensive Driving |
|
Good Payer, Safe Driver, Multi-Policy, Signal Program |
|
Good Driver, Accident Forgiveness, Multi-Car, Federal Employee |
|
RightTrack, Accident-Free, Online Purchase, Multi-Policy |
|
Accident Forgiveness, SmartRide Program, Multi-Car, Paperless Billing |
|
Paperless, Accident Forgiveness, Continuous Insurance, Multi-Policy |
|
Drive Safe & Save, Accident-Free, Good Student, Multi-Vehicle |
|
Multi-Policy, Accident Forgiveness, Pay-in-Full, Safe Driver |
|
Accident Forgiveness, Military, Safe Driver, Defensive Driving |
Having an annual premium is much better than being labeled an uninsured driver. So, while you may not have access to the lowest rates for whatever reason, understand that it's still better than driving without insurance.
Mastering Car Insurance Coverage
Whether you buy insurance directly or with an agent’s help, understanding your car insurance coverage options is crucial. Do you know what’s covered under comprehensive coverage? Are you familiar with uninsured motorist protection? How well do you grasp deductibles?
Make sure you’re equipped with the right knowledge of car insurance by checking out our car insurance guide. Enter your ZIP code below into our free comparison tool below to find the lowest prices in your area.
Frequently Asked Questions
What is the cheapest car insurance in Arkansas?
Geico offers the cheapest car insurance in Arkansas, with rates starting at $48 per month.
How much does comprehensive car insurance cost in Arkansas for an 18-year-old?
Comprehensive car insurance coverage for an 18-year-old in Arkansas can vary, with male teen drivers often paying more. USAA tends to offer the most affordable rates, though costs are usually higher due to age and inexperience.
What is the minimum full coverage car insurance in Arkansas?
The minimum required coverage in Arkansas includes liability insurance with bodily injury and property damage. However, full coverage policies typically include additional collision and comprehensive coverage.
Why is Arkansas auto insurance so expensive?
Auto insurance in Arkansas can be expensive due to the state's high percentage of uninsured drivers and the increased risk of accidents in specific areas. Insurance companies often adjust rates based on local accident trends and crime rates.
What's the required car insurance in Arkansas?
Arkansas law requires liability insurance, which answers the question of "what does liability car insurance cover" by including bodily injury and property damage coverage. Due to the state's high percentage of uninsured drivers, it's also wise to consider additional coverages like uninsured motorist protection.
How much is car insurance per month in Arkansas?
Car insurance in Arkansas can start at $48 monthly with Geico, though rates vary based on the driver's profile. Other providers like USAA and State Farm offer competitive options depending on coverage needs.
What is the lowest form of car insurance in Arkansas?
In Arkansas, liability coverage is the minimum required car insurance. Liability coverage pays for bodily injury and property damage to others if the policyholder is at fault in an accident.
How many uninsured drivers are in Arkansas?
With 16.6% of Arkansas drivers uninsured, it's the ninth-highest rate nationwide. Uninsured motorist coverage is worth it.
Which age group pays the most for car insurance in Arkansas?
Teen drivers, especially 18-year-olds, pay the most for car insurance in Arkansas due to their inexperience and higher risk of accidents. Rates generally decrease as drivers gain more experience and maintain a clean record.
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What is full coverage in Arkansas?
Full coverage in Arkansas typically includes liability, collision, and comprehensive insurance. Full coverage offers protection for damages caused to others and damages to the policyholder's vehicle.