Looking for cheap car insurance in Arkansas? Compare available quotes from multiple insurance partners using the same driver and coverage details. Arkansas uses the Arkansas Online Insurance Verification System (AOIVS) to verify insurance status around the clock, and an unresolved noncompliance notice can lead to registration suspension and a $100 reinstatement fee. Where available through our quote partners, shoppers may see options from national and regional carriers such as State Farm, Southern Farm Bureau, Progressive, and Shelter. Enter your ZIP code above to compare current options before changing or canceling existing coverage.
Comparing auto insurance in Arkansas is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Arkansas drivers face substantial severe-weather exposure in addition to ordinary collision risk. NOAA's archived billion-dollar disaster dataset records 97 qualifying events affecting Arkansas from 1980 through 2024, including 55 severe-storm events, 9 flooding events, and 9 winter-storm events. The Arkansas Insurance Department specifically advises that comprehensive auto coverage can pay when a storm or flood damages a vehicle. Rural and suburban drivers should also consider animal-collision exposure when deciding whether liability-only coverage is enough.
Arkansas premiums can vary between Little Rock, North Little Rock, Fayetteville, Springdale, Rogers, Bentonville, Fort Smith, Jonesboro, Conway, Hot Springs, Pine Bluff, rural Delta counties, mountain communities, and border areas because traffic density, commute mileage, garaging ZIP code, storm and hail exposure, theft risk, animal-collision exposure, local claim patterns, vehicle type, driver history, and carrier pricing differ across the state.
25/50/25
$25,000 bodily injury or death liability for one person, $50,000 bodily injury or death liability for two or more people in one accident, and $25,000 property damage liability
At Fault
Included unless rejected in writing
Arkansas is an at-fault state, but private passenger automobile liability policies must provide statutory first-party benefits unless the named insured rejects all or any of them in writing. These benefits are sometimes described as Arkansas PIP even though Arkansas remains an at-fault state.
UM included unless rejected; UIM offered with UM
Arkansas uninsured motorist bodily injury coverage is included unless a named insured rejects it in writing. If the insured elects UM coverage, the insurer must provide an opportunity to purchase underinsured motorist coverage, which may also be rejected in writing. Arkansas law does not require insurers to offer UIM unless the insured has elected UM coverage, and UIM cannot be issued without coordinated UM coverage.
Arkansas Code Section 23-89-202 provides three minimum first-party benefits without regard to fault: up to $5,000 per person for qualifying medical and hospital expenses incurred within 24 months after the accident; income-disability benefits equal to 70% of lost work income beginning eight days after the accident for up to 52 weeks, capped at $140 per week (with a separate essential-services benefit for non-income earners capped at $70 per week); and $5,000 in accidental-death benefits when a covered accident causes death within one year. Section 23-89-203 allows the named insured to reject all or any one or more of these coverages in writing.
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Source: Arkansas Code Section 27-22-104
Recent rate data estimates Arkansas annual auto insurance premiums at about $2,641 ($220/month) for full coverage and $546 ($46/month) for minimum coverage.
| Driver Profile | Estimated Annual Premium |
|---|---|
| Arkansas average, full coverage | ~$2,641/yr (~$220/mo) |
| Arkansas average, minimum coverage | ~$546/yr (~$46/mo) |
| NerdWallet cheapest sampled full coverage (Travelers) | ~$1,542/yr (~$129/mo) |
| NerdWallet cheapest sampled minimum coverage (GEICO) | ~$356/yr (~$30/mo) |
NerdWallet August 2026 Arkansas rate analysis. It estimates average full coverage at $2,641 per year ($220/month) and average minimum coverage at $546 per year ($46/month). NerdWallet analyzed 14 Arkansas insurers for a 35-year-old driver with good credit and a clean driving record driving a 2023 Toyota Camry LE. Its full-coverage benchmark uses 100/300/50 liability limits, 100/300 uninsured motorist bodily injury limits, and comprehensive and collision coverage with $1,000 deductibles; minimum-coverage rates reflect Arkansas minimum requirements.
Source: NerdWallet 2026
Average premiums are estimates and are not quotes. Actual Arkansas rates vary by ZIP code and garaging location, driver profile, driving record, credit-based insurance score where used, vehicle, annual mileage, coverage limits, first-party-benefit elections, UM/UIM elections, deductibles, discounts, claims history, prior insurance, and carrier. Different rate studies can produce different results because they use different driver profiles, vehicles, limits, deductibles, and insurer samples.
Travelers
$1,542/yr ($129/mo)
GEICO
$356/yr (~$30/mo)
NerdWallet's August 2026 sample identified Travelers at about $1,542 per year for full coverage and GEICO at about $356 per year for minimum coverage for its 35-year-old clean-record sample driver. These are study results, not guaranteed quotes, and the cheapest company can change by driver, ZIP code, vehicle, coverage elections, discounts, and underwriting.
Arkansas Insurance Department rate-change filings show that individual private-passenger-auto insurers can move rates in different directions. For example, August 2026 filings included decreases for several Progressive companies, while other filings showed no change. These company-specific filings should not be presented as a uniform statewide rate decrease or as a prediction of any individual renewal.
Source: Arkansas Insurance Department
Arkansas minimum coverage focuses on required protection such as $25,000 bodily injury or death liability for one person, $50,000 bodily injury or death liability for two or more people in one accident, and $25,000 property damage liability. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Arkansas minimum 25/50/25 liability coverage pays for covered injuries and property damage you cause to others; it does not repair your own vehicle after most weather, theft, vandalism, flood, falling-object, or animal-strike losses. Comprehensive coverage is the part of an auto policy generally used for these non-collision losses, subject to the policy terms and deductible. Collision coverage is generally used for crash damage to your own vehicle. Lenders and lessors may require both comprehensive and collision coverage.
Source: Arkansas Insurance Department
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Arkansas rules recognize an SR-22 as a certificate of insurance used to prove financial responsibility. The official rule describes the SR-22 form contents, including insured name, policy number, effective date, owner or operator policy type, vehicle details where applicable, issue date, insurer name, and authorized signature. The exact filing trigger and duration should be confirmed from the driver's court, suspension, or Office of Driver Services notice before publishing a fixed duration.
Arkansas guidance reviewed for this page refers to SR-22 financial responsibility certificates, not FR-44. Do not publish FR-44 as a standard Arkansas requirement.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Arkansas auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Arkansas drivers, including:
Arkansas drivers should compare quotes using identical limits and deductibles and ask about safe-driver, accident-free, good-student, multi-car, bundling, low-mileage, anti-theft, vehicle-safety, telematics, paperless-billing, automatic-payment, and pay-in-full discounts where available. Arkansas law also provides for an appropriate premium reduction for insured drivers age 55 or older for three years after completing an approved motor vehicle accident-prevention course.
Ask about available discounts when comparing quotes.
| Rank | Carrier | Market Share |
|---|---|---|
| 1 | State Farm Group | 24.76% |
| 2 | Progressive Group | 14.36% |
| 3 | Southern Farm Bureau Casualty Group | 12.76% |
| 4 | Allstate Insurance Group | 9.52% |
| 5 | Shelter Insurance Group | 9.23% |
| 6 | Berkshire Hathaway Group | 5.46% |
| 7 | United Services Automobile Association Group | 4.57% |
| 8 | Farmers Insurance Group | 3.33% |
| 9 | Alfa Insurance Group | 2.55% |
| 10 | Liberty Mutual Group | 2.41% |
Source: National Association of Insurance Commissioners 2024
Carrier rankings are based on NAIC 2024 Arkansas total private passenger auto group-level direct written premium market share. NAIC's public publications catalog still lists 2024 Property/Casualty as the latest available market-share report as of August 30, 2026. These are insurance groups, not necessarily consumer-facing brand names, quality rankings, or quote recommendations.
Arkansas has meaningful regional-carrier strength. In the 2024 NAIC group-level data used here, Southern Farm Bureau Casualty Group held 12.76% and Shelter Insurance Group held 9.23%, or 21.99% combined. That is effectively 22.0% when rounded, but it is not more than 22%. Market share indicates premium volume, not which company is cheapest, best, or available through a particular quote flow.
Arkansas uses the Arkansas Online Insurance Verification System (AOIVS), which is designed to verify motor vehicle insurance status 24 hours a day, seven days a week. AOIVS guidance says an owner who receives a noncompliance notice and fails to resolve it by the due date can have the vehicle registration suspended. Reinstatement requires $100 plus proof of current insurance verified through the system.
AOIVS can access participating or required insurer systems online in real time for insurance-status verification, but that does not mean every newly purchased policy appears instantly. If DFA has already issued an AOIVS letter, follow the instructions and reference number on that letter. AOIVS states that a public vehicle lookup showing a confirmed result does not itself clear a letter requirement; the insurer or agent may need to electronically submit the coverage. A-1 Auto Insurance connects consumers with quote partners and does not itself report policies to AOIVS.
Arkansas Code Section 27-22-103 sets a mandatory $100 to $250 fine for a first offense of operating a vehicle without required insurance, $250 to $500 for a second offense, and $500 to $1,000 and/or up to one year in jail for a third or subsequent offense. These court penalties are separate from AOIVS registration-suspension and reinstatement consequences. If valid coverage was actually in force at the time of arrest, the judge may dismiss the uninsured-driving charge; Arkansas also has a separate $25 fine plus court costs when coverage existed but the driver failed to present proof at the traffic stop.
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Find auto insurance in these major Arkansas cities:
NerdWallet's August 2026 Arkansas analysis estimates average full coverage at about $2,641 per year ($220 per month) and average minimum coverage at about $546 per year ($46 per month) for its 35-year-old clean-record sample driver. These are statewide study benchmarks, not quotes. Your actual cost can vary by ZIP code, driving history, credit-based insurance score where used, vehicle, coverage limits, first-party-benefit and UM/UIM elections, deductibles, discounts, prior insurance, and insurer.
Arkansas requires at least 25/50/25 liability coverage: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage. Arkansas policies also contain important first-party and uninsured-motorist offer/rejection rules that can affect the coverage shown on a quote.
Arkansas is an at-fault state for auto liability. However, Arkansas law requires private passenger auto policies to include specified first-party medical, income-disability, and accidental-death benefits unless the named insured rejects all or any of those benefits in writing. Those first-party benefits do not make Arkansas a no-fault liability state.
No. Arkansas law requires insurers to include specified first-party benefits in the policy, including up to $5,000 in medical and hospital benefits per person, statutory income-disability benefits, and $5,000 accidental-death benefits, but the named insured may reject all or any one or more of those coverages in writing. Compare the premium difference and the protection you would give up before rejecting them.
Arkansas does not require you to retain the statutory first-party benefits if you reject them in writing. Uninsured motorist bodily injury coverage is included unless rejected in writing. If you elect UM, the insurer must give you the opportunity to buy underinsured motorist coverage; UIM can also be rejected in writing and is not issued without coordinated UM coverage.
Arkansas's Online Insurance Verification System can verify insurance status through insurer data around the clock. If you receive a DFA/AOIVS noncompliance letter, follow the instructions and reference number on the letter. A public lookup showing Confirmed does not by itself clear the letter requirement; AOIVS says the insurer or agent may need to electronically submit the coverage. If the issue is not resolved by the notice due date, registration can be suspended and reinstatement requires a $100 fee plus verified current insurance.
Arkansas law sets a mandatory $100 to $250 fine for a first offense of operating a vehicle without required insurance, $250 to $500 for a second offense, and $500 to $1,000 and/or up to one year in jail for a third or subsequent offense. AOIVS registration-suspension and reinstatement consequences can apply separately. If valid insurance was actually in force at the time, different proof procedures and penalties can apply.
No. Arkansas minimum liability primarily pays for covered injuries and property damage you cause to other people. It does not pay to repair your own vehicle after most hail, storm, flood, theft, vandalism, falling-object, or animal-strike losses. Comprehensive coverage is generally the coverage used for these non-collision losses, subject to the policy and deductible.
Arkansas rules recognize an SR-22 as a certificate used to prove financial responsibility in situations where proof is required. It is not a separate type of insurance policy. The exact trigger and required filing period should be taken from the driver's court, suspension, or Office of Driver Services notice.
A same-day effective date may be available from some insurers after you complete the application, satisfy underwriting requirements, and make any required payment. The insurer's policy documents and stated effective date control. Do not assume that a newly purchased policy will appear in AOIVS instantly; if you have an existing AOIVS notice, follow the notice instructions.
Compare Arkansas car insurance quotes using the same limits and deductibles, maintain continuous coverage and a safe driving record, and ask about available multi-car, bundle, good-student, low-mileage, telematics, anti-theft, vehicle-safety, billing, and payment discounts. Drivers age 55 or older can also ask whether an approved Arkansas accident-prevention course discount applies.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
