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.
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.
To find the best car insurance in Arkansas, compare car insurance quotes from multiple insurers.
Cheap liability car insurance in Arkansas
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
|
|---|---|---|---|---|
| 29 | Toyota Corolla | Aspen | $144 | June 25, 2025 |
| 24 | NISSAN ALTIMA | Gainsco | $311 | June 25, 2025 |
| 31 | Jeep Compass | Progressive | $80 | June 25, 2025 |
| 27 | Ford Fusion | Progressive | $98 | June 25, 2025 |
| 26 | Toyota Corolla | Progressive | $52 | June 25, 2025 |
| 40 | Mazda Cx-5 | Trexis | $71 | June 25, 2025 |
| 27 | Hyundai Tucson | Trexis | $77 | June 25, 2025 |
| 64 | Jeep Wrangler | Trexis | $34 | June 25, 2025 |
| 70 | Chevrolet Avalanche | Gainsco | $80 | June 24, 2025 |
| 51 | CHEVROLET CAMARO | Progressive | $57 | June 24, 2025 |
Drivers in Arkansas may consider minimum liability coverage if they want to legally drive without breaking the bank. These plans are structured to offer financial protection for other drivers’ damage or injury, and excludes coverage for your own car. They’re well-suited for those with dependable, low-value vehicles or short commutes. Arkansas motorists can save money by gathering estimates from several companies.
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
|
|---|---|---|
| Progressive | $207 | $2,478 |
| National General | $213 | $2,555 |
| Aspen | $228 | $2,740 |
| Assurance America | $236 | $2,837 |
| Trexis | $253 | $3,032 |
| Safeco | $261 | $3,127 |
| Mendota | $281 | $3,371 |
| Gainsco | $293 | $3,512 |
| Dairyland | $337 | $4,046 |
| Root | $347 | $4,161 |
Finding affordable full coverage car insurance in Arkansas involves balancing premium savings with complete auto protection. Full coverage generally guards against situations like crashes, vandalism, wild animal strikes and natural disasters. Although premiums are higher than minimum-required plans, full coverage is critical if your car has a high value, since it guarantees repair or replacement in severe incidents.
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
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
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 | $298 | $3,582 |
| 21-24 | $250 | $2,994 |
In Arkansas, insurance companies often charge more for young drivers simply because they lack years of driving practice. This inexperience increases the likelihood of claims, prompting providers to raise premiums. Age alone is a key pricing factor, even if the driver has a clean slate.
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 car insurance quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $138 | $1,661 |
| National General | $173 | $2,076 |
| Aspen | $179 | $2,151 |
| Progressive | $210 | $2,523 |
| Dairyland | $212 | $2,541 |
Liability-only insurance makes sense for a 20-year-old in Arkansas if they’re driving a vehicle that wouldn’t justify the extra cost of full protection. It’s a practical way to stay covered without paying for insurance they’re unlikely to use.
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 | $3,907 |
| Progressive | $381 | $4,577 |
| Dairyland | $419 | $5,022 |
| Aspen | $432 | $5,190 |
| Gainsco | $473 | $5,673 |
A 20-year-old in Arkansas might opt for full coverage to shield themselves from out-of-pocket costs tied to accidents or theft. If they’re driving a financed vehicle, the extra protection is often required by lenders. Even if not required, it offers young drivers support when they’re least equipped to handle surprise expenses.
Average auto insurance costs for mature drivers in Arkansas (25-54)
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 | $2,172 |
| 35-44 | $150 | $1,805 |
| 45-54 | $126 | $1,513 |
In Arkansas, insurers typically offer better rates to drivers with a history of safe driving. Years spent learning the nuances of local roads and traffic help reduce accident risk. Those with long, clean records tend to inspire more trust from insurance providers.
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 | $75 | $905 |
| National General | $80 | $964 |
| Trexis | $86 | $1,033 |
| Progressive | $107 | $1,281 |
| Dairyland | $112 | $1,349 |
In Arkansas, a 35-year-old could choose liability-only coverage to balance necessity with affordability. Driving a vehicle that no longer holds high value often makes full coverage unnecessary. Years on the road can make a driver feel secure with just the basics.
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 | $198 | $2,372 |
| Progressive | $199 | $2,387 |
| Aspen | $239 | $2,873 |
| Root | $256 | $3,071 |
A 35-year-old in Arkansas might choose full coverage insurance to keep their vehicle protected in regions prone to flooding and hail. It ensures they won’t face steep repair bills after an unexpected event.
Average car insurance costs for older drivers in Arkansas (55+)
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 | $113 | $1,351 |
| 65+ | $134 | $1,609 |
Older drivers in Arkansas might see insurance premiums rise as physical changes become more noticeable behind the wheel. Navigating winding rural roads or heavy rain requires fast reflexes, which insurers know can fade with age. Despite their experience, senior drivers may be viewed as a growing liability. That added risk tends to show up in slightly elevated rates.
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 | $76 | $916 |
| Progressive | $80 | $964 |
| National General | $85 | $1,020 |
| Gainsco | $127 | $1,528 |
Older drivers in Arkansas may find liability-only coverage to be a sensible choice if they’re no longer commuting or traveling long distances. For retirees staying close to home, this type of policy balances need and savings. It’s a straightforward way to stay protected without paying for more than necessary.
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 | $101 | $1,215 |
| Progressive | $108 | $1,301 |
| Safeco | $169 | $2,030 |
| Trexis | $178 | $2,134 |
| Dairyland | $180 | $2,158 |
Older drivers in Arkansas may consider full coverage insurance to guard against accidents, weather damage and other losses. Especially for those who spend a lot of time on the road, a full coverage policy can limit unexpected costs and help protect retirement savings.
Cheapest car insurance in Arkansas by driving history
Insurance providers in Arkansas evaluate your driving history to understand how you’ve handled responsibility on the road. A pattern of infractions might suggest that you’re more likely to be involved in future incidents. This influences how insurers calculate your risk level — and therefore, your premium costs.
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 |
| First Acceptance | $88 | $1,050 |
| Commonwealth Insurance | $112 | $1,344 |
| Aspen | $136 | $1,628 |
In Arkansas, drivers with clean records often enjoy easier access to competitive insurance policies. A spotless history reflects thoughtful and cautious driving. This level of consistency may open the door to more favorable terms. It also sets a positive tone when dealing with insurance providers.
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 | $101 | $1,217 |
| Aspen | $174 | $2,087 |
| National General | $178 | $2,140 |
| Trexis | $185 | $2,221 |
| Progressive | $186 | $2,230 |
Speeding tickets in Arkansas can mark you as a potentially risky driver in the eyes of insurers. These violations suggest a willingness to take chances on the road. Insurance companies factor this into their pricing and policy decisions. One ticket may not define you, but it can still shape your coverage path.
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
|
|---|---|---|
| Bluefire | $137 | $1,639 |
| National General | $189 | $2,268 |
| Trexis | $200 | $2,397 |
| Progressive | $214 | $2,568 |
| Aspen | $217 | $2,599 |
An at-fault accident can raise questions about your attention and care while driving. Even when no one is hurt, insurers consider the overall consequences of the incident. This may result in changes to your premiums or coverage terms.
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
|
|---|---|---|
| Progressive | $146 | $1,749 |
| Aspen | $175 | $2,099 |
| National General | $184 | $2,204 |
| Dairyland | $192 | $2,303 |
| Trexis | $203 | $2,440 |
An at-fault accident with injuries in Arkansas is seen as a serious liability event. Insurance companies are likely to reassess your risk and adjust policies accordingly. These incidents suggest higher chances of costly future claims.
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 | $90 | $1,082 |
| Progressive | $106 | $1,274 |
| Trexis | $146 | $1,754 |
| Root | $170 | $2,036 |
A DUI offense in Arkansas is a serious strike against your driving record that may cause your insurer to impose stricter conditions or cancel your policy. This type of violation can affect your car insurance rate for years.
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 | $1,995 |
| Defective Equipment | $45 | $535 |
| Driving on Sus. License | $215 | $2,582 |
| Failure to Obey Traffic Sign | $137 | $1,645 |
| Improper Passing | $208 | $2,493 |
In Arkansas, insurers use violations like careless driving or disobeying traffic signs to judge your reliability as a driver. These citations can lead to premium hikes.
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 |
| Trexis | $148 | $1,779 |
| Aspen | $150 | $1,801 |
| Progressive | $159 | $1,907 |
| National General | $160 | $1,916 |
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.
Consider these tips to find a cheaper policy:
- Ask about available discounts.
- Pay your policy in full.
- Bundle your home and auto insurance with the same company.
- Improve your credit score.
- Install a telematics app on your phone.
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.
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.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
