Average car insurance cost in Arkansas
Arkansas sits in the pricier half of the country at #37 of 51, with average premiums about 8% above the national average — roughly $204 a year more than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Arkansas compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Arkansas next to nearby states:
Arkansas car insurance FAQ
How much is car insurance in Arkansas?
Full-coverage car insurance in Arkansas averages $225 per month ($2,700 per year). A state-minimum liability policy averages $63 per month ($756 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Arkansas more expensive than average?
Yes. Arkansas's full-coverage average of $225/month is about 8% above the U.S. average of $208/month, ranking #37 of 51 (1 = cheapest).
Is Arkansas a no-fault state?
No. Arkansas is an at-fault (tort) state — the driver who causes an accident is responsible for the other party's injuries and property damage through their liability coverage.
How much cheaper is minimum coverage in Arkansas?
Minimum liability in Arkansas averages $63/month versus $225/month for full coverage — a gap of $162/month, or $1,944/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.