Compare car insurance quotes in Arkansas
Jerry uses real data from 12,366 Arkansas drivers to help you:
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Compare insurance options in minutes.
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Bundle, buy, and switch in the app or by phone.
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Avoid long forms and phone calls.
Average Arkansas car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $383 a month for full coverage. But in Arkansas, Jerry drivers pay less:
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$52 to $94 per month for state-mandated minimum coverage, and
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$150 to $306 per month for full coverage.
Even a quick rate check can move the needle. In the past year, Jerry has helped Arkansans save an average of $1,086 on coverage simply by weighing their options side by side.
With Jerry, you can compare offers and fine-tune your policy for Arkansas car insurance in under 10 minutes. It’s free and fully online, and we don’t sell your info or hound you with calls.
Prices still vary based on your specific situation, including your record behind the wheel, your car and your location. Here are some full coverage rates that Jerry drivers in Arkansas have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
One of the best ways to save on home insurance in Arkansas is by bundling your car and home insurance. On average, Jerry homeowners save between 15% and 25% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Arkansas drivers are paying with Jerry
Checking rates with several insurers is the simplest way to land the right coverage, whether you want to tailor a policy from scratch, mirror what you have now or just lock in the cheapest car insurance in Arkansas that you can find.
Jerry helps you compare quotes from up to 10 trusted insurers in the Natural State, so you can see what’s out there and what you should be paying. Below are some of the latest quotes Jerry has pulled for Arkansas drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Arkansas
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Arkansas car insurance coverage requirements
Arkansas drivers are required to buy personal property and bodily injury liability insurance coverage to legally drive their car. The minimum coverage requirements in this state are:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$25,000 in property damage liability.
While this makes you “legal,” though, it won’t protect you against many major accidents or damage to your own car. For better protection, many Jerry drivers increase their coverage limits and buy comprehensive and collision coverage. Considering over 12% of Arkansas drivers are uninsured, it might also be a good choice to buy uninsured/underinsured motorist (UIM) protection.
Factors affecting Arkansas car insurance rates in 2026
Severe storms and hail
Tornadoes, hail, and intense summer storms can drive up comprehensive claim costs through broken glass, dented panels, and falling debris. Comprehensive coverage is typically what applies when weather damages your car outside of a collision.
Deer and wildlife collision exposure
Arkansas sees a high volume of wildlife-related crashes, with elevated risk in places like the Ozarks and other rural corridors. Animal impacts generally fall under comprehensive coverage, so full coverage can make a big difference if you’re frequently on two-lane roads at dawn or dusk.
Rural crash severity on two-lane highways
Higher speeds, limited shoulders, and less lighting can turn a mistake into a serious crash, which raises claim severity. Collision coverage helps pay to repair your vehicle after an at-fault accident.
Uninsured drivers
Roughly 12% of Arkansas drivers are uninsured. UM/UIM coverage helps protect you if you’re hit by someone without enough insurance to cover injuries or damage.
Flash flooding and water crossings
Heavy rain can overwhelm drainage quickly, and some routes include low-lying areas that flood fast. Comprehensive coverage typically covers flood-related vehicle damage, and avoiding standing water is one of the best ways to prevent a costly total loss.
Road conditions and pothole damage
Freeze-thaw cycles and storm damage can leave rough pavement, potholes, and uneven shoulders in some areas. Those road hazards can lead to tire and wheel damage and increase crash risk, which is one reason insurers pay attention to local driving conditions.
Average cost of car insurance in major Arkansas cities
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City
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Average monthly cost
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|---|
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City
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Average monthly cost
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|---|---|
| $234 | |
| $226 | |
| $210 | |
| $179 | |
| $202 | |
| $195 | |
| $176 | |
| $186 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Arkansas quotes in as little as 2 minutes.
Learn more about driving in Arkansas
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
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Learn about uninsured motorist coverage and why it matters.
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Discover how to get the best car insurance discounts.
FAQs
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Is Arkansas an at-fault state?
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How does fault work in Arkansas if both drivers share blame?
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What happens if I drive without insurance in Arkansas?
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Can Arkansas suspend my vehicle registration if I’m uninsured?
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Can I show proof of insurance on my phone in Arkansas?
