Good news for Arkansas drivers: Jerry’s latest data shows that liability coverage in the Natural State averages about $240 a month. Over the past year, we’ve helped 6,901 Arkansans find cheaper insurance, and those who switch with Jerry save an average of $1,658 per year without losing the protection they count on.
Jerry compares quotes from up to 8 trusted insurers in Arkansas to build your policy and help you secure your best rate in minutes.
Save on Arkansas insurance with Jerry.
What Arkansas drivers are paying right now
Car insurance prices in Arkansas shift with severe weather, rural crash patterns and rising repair costs. Two drivers with identical profiles can end up with very different premiums depending on where they live.
Jerry tracks live quotes statewide to show you what drivers are actually paying now. Here are some drivers who recently purchased full coverage in Arkansas through Jerry and what they paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rates regularly. In Arkansas, everything from hailstorms to small changes in your driving history can influence what you’ll pay at renewal.
4 easy ways Jerry helps Arkansas drivers save on car insurance
If you’re working to bring your Arkansas insurance bill down, you’re far from alone. But chasing the very lowest quote often means giving up coverage you’ll wish you had later. Real savings come from understanding what shapes your rate and knowing which adjustments actually move the needle.
Jerry makes that easy by comparing real offers, finding discounts you might not spot on your own and showing you exactly where you can save without cutting corners.
Here are our top tips to help you spend less and worry less.
| How to save | Average Arkansas driver savings |
|---|---|
| Compare quotes | 35% to 70% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Keep a clean driving record | 45% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Arkansas has a mix of risk factors that insurers price very differently: tornado activity in the central corridor, high deer-collision rates in the Ozarks and growing congestion around Northwest Arkansas. Because each insurer weighs these risks in its own way, the same driver can get quotes that differ by hundreds of dollars.
Comparing prices side by side with Jerry is the fastest way to ensure you’re not overpaying.
Here’s where Arkansas drivers who saved most often switched last year after checking their rates with Jerry:
| Insurance carrier | Arkansas drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 50% | 26% |
| Trexis | 21% | 44% |
| National General | 17% | 37% |
| Trexis One | 8% | 16% |
| Alpine Rio | 4% | 38% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Location matters in Arkansas. Drivers near wooded, rural areas tend to see higher comprehensive losses, while those closer to big cities see more collision claims. Jerry helps you compare instantly so you can choose coverage that fits your actual risk and your budget.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Bundling home and auto, enrolling in safe-driver programs, installing anti-theft systems or going paperless can all help lower your premium — but many insurers won’t add these discounts automatically.
Jerry flags the discounts you qualify for so you don’t leave money on the table.
Key takeaway: Discount stacking can deliver larger savings than raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Raising your deductible is one of the simplest ways to lower your premium, but only if it’s a number you can comfortably pay out of pocket. Arkansas drivers deal with everything from surprise hailstorms to deer collisions on rural roads, so choosing a realistic deductible matters if you ever need to file a claim.
Here’s what Jerry drivers choose for their deductibles:
To find the right deductible for your policy:
-
Review your car’s value (Jerry updates this monthly).
-
Choose what you could afford in an unexpected repair.
-
Compare how different deductible levels change your price instantly.
The Jerry difference: Jerry shows multiple deductible options in real time so you can choose the balance of cost and protection that fits you best.
Jerry Agent Tip 4: Keep a clean driving record
Violations consistently affect premiums. Based on Jerry data, Arkansas drivers see rates jump by an average of 45% after a single infraction. Speeding, failing to yield and distracted driving all trigger steep increases, and more serious offenses can keep prices elevated for years.
Avoiding tickets in the first place is the most reliable way to keep your rate down. Once your record improves, Jerry automatically re-shops your policy so you benefit from lower prices the moment you’re eligible.
Get personalized car insurance rates now.
How to shop for coverage without overpaying
Arkansas requires 25/50/25 liability insurance, but that minimum doesn’t protect your own car. Here are your coverage options:
Minimum
$51 – $91/mo
Only meets Arkansas’s liability requirement, and does not cover your own vehicle.
Full
$110 – $213/mo
Adds collision and comprehensive, which is often required on leased or financed vehicles.
Standard
$149 – $298/mo
Includes UM/UIM and medical payments, especially useful since rural crash severity is higher in Arkansas.
Preferred
$168 – $334/mo
Has higher liability limits, lower deductibles and extras like rental reimbursement or towing coverage.
Key takeaway: Start with your risk comfort level and the value of your vehicle. Jerry shows real-time pricing so you can choose the right coverage with confidence.
The cheapest policy in Arkansas is liability-only, but a few well-priced add-ons can make a big difference when you actually need them. Here’s a quick look at what each coverage tier provides.
-
Coverage definitions
Arkansas insurance factors at a glance
Insurance prices in Arkansas reflect the realities of driving here. Things like unpredictable weather, rural roads and higher wildlife activity can all affect not only your driving experience but also your rates.
Severe weather
Tornadoes, hail and intense summer storms raise comprehensive claim costs.
Deer strikes
Arkansas has high wildlife-collision rates, especially in the Ozarks, making full coverage valuable.
Rural crash severity
Higher speeds on two-lane highways can mean bigger accidents and pricier claims.
Uninsured drivers
Roughly 12% of Arkansas drivers are uninsured, making UM/UIM a worthwhile addition.
Arkansas Insurance After a Ticket, Accident or SR-22
One mistake shouldn’t define your insurance rate permanently. Jerry partners with insurers that consider your full profile, then automatically re-shop your policy as your record improves.
If you got a ticket
Arkansas assigns points for speeding and other violations, and too many points in a short period can lead to suspension or required safety courses. A single ticket can also raise your premium 15% to 30% for up to three years.
Once your violation clears, Jerry automatically looks for lower prices so you avoid paying more than necessary.
The average rate increases we’ve seen for Arkansas drivers after a ticket are:
-
Speeding under 15: 13%
-
Speeding over 15: 31%
-
Failure to obey traffic sign: 42%
-
Reckless driving: -26%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Arkansas is an at-fault state. An at-fault crash typically increases premiums by 25%, and that bump often lasts three to five years.
Jerry helps you secure the lowest available price immediately and re-shops your policy once the accident falls off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $393 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $440 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI in Arkansas will raise your insurance rates by an average of -9% and trigger several years of higher premiums. Still, some insurers offer more reasonable options for high-risk drivers. Jerry identifies those companies and automatically re-shops your policy as your record improves.
Here are the five cheapest insurance companies in Arkansas for drivers with a DUI conviction:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $161 | Yes | |
| $188 | Yes | |
| $192 | Yes | |
| $217 | Yes | |
| $246 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Arkansas
Arkansas may require an SR-22 after certain violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app to see only insurers that file them. Many carriers charge around $25 per year for SR-22 processing.
Car Insurance with Bad Credit
Arkansas allows insurers to consider credit-based insurance scores, which means your credit can influence your premium. Still, continuous coverage, a clean record and smart deductible choices often move your rate more than credit alone.
Jerry helps you compare quotes instantly so you get your best price.
Average rates in Arkansas by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Arkansas’s mix of rural highways, hill-country terrain and storm-prone seasons means the cheapest policy depends on how and where you actually drive. Jerry makes it simple to build coverage that fits life in Arkansas and stays affordable year-round.
Get Arkansas coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
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.
