Compare Car Insurance Quotes in Arkansas
Jerry is a free app trusted by 15,329 Arkansas drivers that compares insurance quotes from top carriers.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Average Arkansas car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $382 a month for full coverage. But in Arkansas, Jerry drivers pay less:
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$52 to $93 per month for state-mandated minimum coverage.
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$150 to $305 per month for full coverage.
Checking rates from multiple carriers is often the best way to find good deals. Over the last 12 months, Jerry has helped Arkansans save an average of $1,044 per year on coverage by comparing quotes across insurers.
Jerry can help and do the legwork so you can compare quotes and get covered in Arkansas in under 10 minutes. The process is entirely online and free. That means no spam calls because we never sell your data. You stay in control, but if you prefer to talk to a real person, you can connect with a licensed agent anytime.
Keep in mind that rates vary from driver to driver based on things like your history on the road, the car you own and where you’re located. 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
Arkansas sits in the overlap zone for tornadoes, severe thunderstorms, and ice storms, which pushes home insurance premiums well above the national average. Bundling car and home insurance is one of the most effective ways to bring both bills down.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s why: Jerry doesn’t lock you into one insurer for both policies. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Arkansas drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Arkansas, shopping around helps you find the right fit.
That matters in Arkansas, where rates can vary quite a bit between Little Rock, the northwest corridor around Fayetteville and Bentonville, and the more rural parts of the state. Add in severe weather season and a lot of two-lane highway driving, and your risk profile may look different than you’d expect. Jerry works with Arkansas drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
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 by switching.
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, most Jerry drivers increase their liability coverage limits and also buy comprehensive and collision coverage. Over 12% of Arkansas drivers are uninsured, too, so we recommend buying uninsured/underinsured motorist (UIM) protection for added peace of mind.
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Coverage definitions
Factors affecting Arkansas car insurance rates in 2026
Severe storms and hail
Arkansas sits right in the path of serious storm activity, from tornadoes to hail that can crack windshields and dent panels in minutes. We recommend keeping comprehensive coverage because that’s what pays for weather damage that happens outside a collision.
Deer and wildlife collision exposure
Wildlife crashes are a real problem in Arkansas, especially in the Ozarks and along rural corridors at dawn and dusk. Comprehensive coverage is typically what pays for animal strikes, so it’s worth carrying even if your vehicle isn’t brand new.
Rural crash severity on two-lane highways
A lot of Arkansas driving happens on two-lane highways where speeds are higher, shoulders are narrow and lighting is limited. Carry collision coverage so your car is protected if you cause a crash or if fault gets complicated and you still need repairs.
Uninsured drivers
Roughly one in eight Arkansas drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM coverage to your liability limits, so you’re covered if the other driver can’t pay for the damage or injuries they cause.
Flash flooding and water crossings
Heavy rain can overwhelm drainage fast, and low-lying routes across the state can flood with little warning. Consider keeping comprehensive coverage if flooding is a risk where you drive or park, and never drive through standing water. One bad crossing can easily turn into a total loss.
Road conditions and pothole damage
Freeze-thaw cycles and storm runoff leave potholes and rough pavement across parts of the state, and uneven surfaces can trigger loss-of-control crashes. Slow down on damaged roads, keep your tires properly inflated, and set a deductible you can comfortably cover if you need to file a claim.
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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City
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Average monthly cost
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|---|---|
| $231 | |
| $225 | |
| $206 | |
| $178 | |
| $203 | |
| $194 | |
| $175 | |
| $183 |
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.
FAQ
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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?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.