Cheap Car Insurance in Arkansas (May 2025)

Written by Ben Moore and 1 other
Updated Mar 17, 2025
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Cheap Car Insurance in Arkansas (May 2025)

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Key Takeaways
  • Aspen, National General and Progressive offer some of the cheapest car insurance in Arkansas.
  • The average cost of minimum coverage in Arkansas is around $100 per month.
  • Compare quotes from multiple insurers to find cheap car insurance in Arkansas.

You can get cheap car insurance in Arkansas from companies like Aspen, National General and Progressive. These providers are among the most affordable in the state, according to real quotes from Jerry customers.

COMPARE CHEAP CAR INSURANCE QUOTES IN ARKANSAS

Car insurance is required to legally drive in Arkansas, whether you’re navigating the Pig Trail Scenic Byway’s sharp curves or cruising on any of the state’s 16,000 miles of highways. Here’s the cheapest car insurance in Arkansas for liability-only and full coverage, and rates broken down by age, driving history and for low credit score.

Cheap liability car insurance in Arkansas

The cheapest car insurance is a liability-only policy, but it pays only for others’ injuries or property damage you cause in a crash.

These are the cheapest car insurance companies in Arkansas for minimum coverage, according to Jerry’s data.

Age
Car Make and Model
Insurance Company
Monthly Quote
Date of Policy
21 Ford Mustang Progressive $214 April 29, 2025
28 Ford Mustang Aspen $106 April 29, 2025
31 Chevrolet Malibu Progressive $62 April 29, 2025
39 Honda Accord Progressive $71 April 29, 2025
25 Subaru Impreza National General $150 April 29, 2025
44 Nissan Versa Aspen $43 April 29, 2025
37 Chevrolet Blazer Bristol West $128 April 29, 2025
50 Hyundai Santa FE Dairyland $59 April 29, 2025
24 Nissan Altima Progressive $112 April 29, 2025
19 Toyota Camry Root $320 April 29, 2025
Last Updated May 1, 2025

Minimum liability car insurance requirements in Arkansas

In Arkansas, the minimum liability requirements are:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $25,000 in property damage liability.

Cheap full coverage car insurance in Arkansas

Below are the cheapest auto insurers in Arkansas for full coverage.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
National General $217 $2,599
Progressive $217 $2,605
Aspen $223 $2,680
Assurance America $236 $2,837
Safeco $258 $3,090
Trexis $258 $3,093
Mendota $281 $3,371
Gainsco $306 $3,671
Clearcover $309 $3,704
Electric $314 $3,772
Last Updated May 2, 2025

Minimum liability vs. full coverage in Arkansas

Minimum coverage pays only for injuries or property damage you cause in an accident. It won’t cover damage to your own car.

Full coverage includes Arkansas’ minimum requirements, as well as coverage for your own car’s damage from things like collisions with other vehicles, theft and weather. Considering Arkansas is vulnerable to weather events like tornadoes, full coverage can be a wise choice.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Here’s what full coverage typically includes, and what it pays for:

  • Liability insurance: covers injuries or property damage you cause to someone else in an accident.
  • Collision coverage: pays for damage to your vehicle after an accident regardless of who was responsible. This coverage has a deductible. 
  • Comprehensive coverage: pays for vehicle damage caused by a non-collision event like weather and theft. This coverage has a deductible.

Average car insurance costs for young drivers in Arkansas

Young drivers typically pay more for auto coverage because they have less driving experience and are considered riskier to insure.

Below are the average costs of car insurance in Arkansas for drivers between 18 and 24.

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $306 $3,675
21-24 $252 $3,020
Last Updated Apr 30, 2025

Cheap liability car insurance in Arkansas for a 20-year-old

Here are the most affordable insurers in Arkansas for 20-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Trexis $137 $1,640
National General $173 $2,076
Aspen $184 $2,203
Progressive $216 $2,587
Dairyland $217 $2,609
Last Updated Apr 30, 2025

Cheap full coverage in Arkansas for a 20-year-old

These are the cheapest car insurance companies in Arkansas for 20-year-olds with full coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Trexis $326 $3,912
Progressive $383 $4,595
Dairyland $419 $5,022
Aspen $432 $5,190
Gainsco $473 $5,673
Last Updated Apr 29, 2025

Average auto insurance costs for mature drivers in Arkansas (25-54)

The cost of car insurance starts to decrease as drivers get older and more experienced on the road.

Below are the average costs of car insurance for drivers in Arkansas between the ages of 25 to 54.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $181 $2,167
35-44 $148 $1,779
45-54 $130 $1,561
Last Updated Apr 29, 2025

Cheapest liability car insurance in Arkansas for a 35-year-old

These are the cheapest car insurance companies in Arkansas for 35-year-olds with minimum coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspen $77 $923
National General $82 $985
Trexis $88 $1,060
Dairyland $112 $1,349
Progressive $113 $1,355
Last Updated May 1, 2025

Cheapest full coverage in Arkansas for a 35-year-old

Below are the cheapest auto insurers in Arkansas for 35-year-olds with full coverage.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $157 $1,882
National General $189 $2,268
Aspen $199 $2,384
Trexis $211 $2,526
Progressive $218 $2,617
Last Updated Apr 29, 2025

Average car insurance costs for older drivers in Arkansas (55+)

Auto insurance costs usually reach their lowest for drivers around age 50, but tend to creep back up for drivers over 65.

Below are the average costs of car insurance for drivers in Arkansas 55 and older.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $117 $1,407
65+ $137 $1,640
Last Updated Apr 30, 2025

Cheapest liability car insurance in Arkansas for a 65-year-old

These are the cheapest car insurance companies in Arkansas for 65-year-olds with minimum coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspen $71 $855
Trexis $80 $963
Progressive $81 $977
National General $85 $1,020
Gainsco $127 $1,528
Last Updated Apr 30, 2025

Cheapest full coverage in Arkansas for a 65-year-old

Here are the most affordable insurers in Arkansas for 65-year-olds with full coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
National General $107 $1,288
Progressive $109 $1,311
Safeco $169 $2,030
Dairyland $180 $2,158
Aspen $215 $2,578
Last Updated May 1, 2025

Cheapest car insurance in Arkansas by driving history

Your driving history plays a big role in your premium costs. If you have a clean record, you’ll likely pay less than someone with violations like a speeding ticket or at-fault accident.

Cheap car insurance for drivers with clean records in Arkansas

Here are the most affordable insurers in Arkansas for those with clean driving records, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Bluefire $50 $599
Aspire Advantage $52 $619
Embark General $77 $928
First Acceptance $88 $1,050
Anchor General $113 $1,354
Last Updated May 2, 2025

Cheapest car insurance with a speeding ticket in Arkansas

Below are the cheapest auto insurers in Arkansas for people with speeding violations.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $86 $1,037
Aspen $172 $2,065
National General $180 $2,159
Trexis $186 $2,228
Assurance America $192 $2,304
Last Updated May 1, 2025

Cheapest car insurance after an at-fault accident with no injury in Arkansas

Here are the most affordable insurers in Arkansas for those with an at-fault accident with no injury, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
National General $194 $2,329
Trexis $208 $2,495
Aspen $209 $2,509
Progressive $225 $2,706
Gainsco $242 $2,904
Last Updated Apr 30, 2025

Cheapest auto insurance after an at-fault accident with injury in Arkansas

Below are the cheapest auto insurers in Arkansas for people with an at-fault accident with injury on their driving record.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
National General $171 $2,057
Dairyland $174 $2,086
Aspen $194 $2,334
Trexis $227 $2,726
Safeco $245 $2,944
Last Updated May 2, 2025

Cheapest car insurance with a DUI in Arkansas

Here are the most affordable insurers in Arkansas for those with a DUI, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspen $45 $536
National General $93 $1,121
Progressive $114 $1,369
Trexis $135 $1,620
Gainsco $160 $1,921
Last Updated Apr 29, 2025

Average auto insurance costs for Arkansas drivers with other violations

Below are average car insurance costs in Arkansas for other driving violations.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $166 $1,998
Driving on Sus. License $201 $2,410
Failure to Obey Traffic Sign $140 $1,685
Improper Passing $208 $2,493
Leaving scene of an Accident/Hit and Run $101 $1,214
Last Updated Apr 30, 2025

Cheapest auto insurance for low credit scores in Arkansas

Arkansas drivers with low credit scores will likely have more expensive insurance costs than those with higher scores. Below are the most affordable insurers in Arkansas for drivers with a credit score below 550.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Commonwealth Insurance $141 $1,695
Aspen $151 $1,811
Trexis $153 $1,833
National General $159 $1,913
Progressive $171 $2,049
Last Updated Apr 30, 2025

Learn more: How credit-based insurance scores work


How to find cheap car insurance in Arkansas

To find affordable car insurance, compare quotes from different insurance companies; don’t assume your current insurer still offers the best rates.

Find affordable car insurance in minutes.

Consider these tips to find a cheaper policy:


Learn more: Best car insurance companies


Factors that affect car insurance costs in Arkansas

Insurers base rates on various factors, which can include your:

  • Age.
  • ZIP code.
  • Driving record.
  • Vehicle type.
  • Credit score.
  • Claims history.
  • Deductible amount.
  • Marital status.
  • Gender.

Learn more: How car insurance rates are calculated


Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.