Cheap Car Insurance in Arkansas for 2024 (Unlock Big Savings From These 10 Companies!)
State Farm, Geico, and Liberty Mutual are top choices for cheap car insurance in Arkansas. State Farm excels with personalized coverage options, featuring rates at $28/month. Geico is known for its user-friendly app, while Liberty Mutual offers accident forgiveness, making them ideal for affordable car insurance.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she ...
Licensed Insurance Agent
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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19,116 reviewsCompany Facts
Min. Coverage in Arkansas
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
3,607 reviewsCompany Facts
Min. Coverage in Arkansas
A.M. Best Rating
Complaint Level
Pros & Cons
3,607 reviewsState Farm, Geico, and Liberty Mutual are top picks for cheap car insurance in Arkansas. State Farm offers customizable coverage and strong service, while Geico’s user-friendly app simplifies policy management.
Liberty Mutual stands out with its accident forgiveness feature. Exploring these providers can help you find affordable, tailored insurance that meets your needs. For detailed information, refer to our comprehensive report titled “Best Car Insurance Companies for Comprehensive Coverage.”
Our Top 10 Company Picks: Cheap Car Insurance in Arkansas| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $28 | B | Local Agents | State Farm |
 | #2 | $31 | A++ | Low Rates | Geico |
 | #3 | $34 | A | Customizable Policies | Liberty Mutual |
 | #4 | $36 | A+ | Customer Satisfaction | Amica |
 | #5 | $38 | A++ | Comprehensive Coverage | Travelers |
 | #6 | $44 | A+ | Usage-Based Discounts | Nationwide |
 | #7 | $45 | A+ | Discount Variety | Progressive |
 | #8 | $47 | A | Strong Support | American Family |
 | #9 | $56 | A+ | Coverage Options | Allstate |
 | #10 | $57 | A | Personalized Service | Farmers |
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- State Farm offers customizable coverage for cheap car insurance in Arkansas
- Geico and Liberty Mutual provide convenience with user-friendly apps
- Comprehensive and cost-effective coverage suits a variety of driving needs
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#1 – State Farm: Top Overall Pick
Pros
- Affordable Premiums: State Farm’s competitive rates make it an excellent choice for drivers seeking cheap car insurance in Arkansas.
- Diverse Discounts: Explore our State Farm car insurance review for discounts like safe driving and multi-policy bundling that lower costs for Arkansas residents.
- Reliable Customer Support: Arkansas drivers benefit from State Farm’s strong customer service reputation, ensuring assistance when needed.
Cons
- Limited Online Tools: The need for advanced digital features may hinder tech-savvy Arkansas drivers who prefer managing their policies online.
- Post-Claim Rate Increases: Premiums may rise after a claim, potentially affecting long-term affordability for those on a budget in Arkansas.
#2 – Geico: Best for Low Rates
Pros
- Low-Cost Coverage: Geico is recognized for consistently low premiums, making it ideal for drivers in Arkansas seeking budget-friendly options.
- Intuitive Mobile App: The user-friendly app enhances policy management and claims processing, benefiting Arkansas drivers.
- Multiple Discounts Available: According to our Geico car insurance review, generous discounts for safe driving and anti-theft measures help lower costs for Arkansas residents.
Cons
- Limited Coverage Customization: Geico may need to provide enough options for Arkansas drivers who want tailored coverage solutions.
- Mixed Customer Service Experiences: Inconsistent reviews regarding customer support may impact Arkansas policyholders seeking reliable assistance.
#3 – Liberty Mutual: Best for Customizable Policies
Pros
- Accident Forgiveness Benefit: This feature helps keep rates affordable after an accident, making it an intelligent choice for Arkansas drivers seeking cheap insurance.
- Savings from Bundling: Our Liberty Mutual car insurance review shows how multi-policy discounts help Arkansas drivers save on home and auto insurance.
- Customizable Plans: Flexible coverage options let Arkansas residents tailor their policies to meet their needs and budgets.
Cons
- Higher Initial Rates: Starting premiums may be higher than competitors, which could deter budget-conscious drivers in Arkansas.
- Variable Customer Service: Inconsistent experiences may affect overall satisfaction for Arkansas drivers relying on timely support.
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#4 – Amica: Best for Customer Satisfaction
Pros
- Potential Dividend Payments: Explore our Amica car insurance review to see how its dividend program can return premiums to Arkansas drivers, lowering insurance costs.
- High Customer Satisfaction: Arkansas residents enjoy exceptional customer service, ensuring they receive the support they need.
- Flexible Coverage Options: Various plans allow Arkansas drivers to find affordable insurance that meets both budget and needs.
Cons
- Limited Discounts: Fewer discount opportunities could make it challenging for Arkansas drivers to maximize their savings on premiums.
- Higher Base Premiums: Amica’s starting rates may be higher, making it less appealing for those seeking cheap car insurance in Arkansas.
#5 – Travelers: Best for Comprehensive Coverage
Pros
- Hybrid Vehicle Discounts: Travelers offers discounts for hybrid and electric vehicles, helping eco-conscious Arkansas drivers save on insurance.
- Wide Coverage Selection: View our Travelers car insurance review to learn how various policies ensure Arkansas drivers can find comprehensive coverage that fits their needs.
- Multiple Discount Options: Travelers provides various discounts, including safe driving and bundling, making it easier for Arkansas drivers to save.
Cons
- Higher Starting Premiums: Initial costs may be more significant than those of competitors, which might appeal to something other than budget-conscious Arkansas drivers.
- Complex Policy Choices: The extensive range of options may overwhelm some Arkansas drivers looking for straightforward, affordable plans.
#6 – Nationwide: Best for Usage-Based Discounts
Pros
- Bundling Discounts: Our Nationwide car insurance review reveals how combining home and auto insurance unlocks significant savings for Arkansas drivers.
- Positive Customer Reviews: Generally favorable customer support ensures a smoother experience for Arkansas residents managing their insurance.
- Competitive Rates: Nationwide is known for offering affordable premiums, which benefits Arkansas drivers looking to reduce expenses.
Cons
- Average Premium Pricing: While rates are competitive, Nationwide may only sometimes offer the cheapest options for drivers in Arkansas.
- Limited Local Agent Availability: Fewer local agents might reduce personalized service for Arkansas drivers who prefer in-person assistance.
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#7 – Progressive: Best for Discount Variety
Pros
- Name Your Price Tool: This feature allows Arkansas drivers to find budget-friendly insurance options tailored to their financial needs.
- Extensive Discount Programs: Delve into our Progressive car insurance review to discover how various discounts, such as multi-car and safe driving discounts, help Arkansas drivers save.
- Customizable Coverage Plans: Flexible policies enable Arkansas residents to adjust coverage levels, maintaining affordability without sacrificing protection.
Cons
- Fluctuating Premium Rates: Individual factors may lead to varying rates, making it challenging for Arkansas drivers to find consistent pricing.
- Complex Coverage Options: The wide array of choices may confuse Arkansas drivers seeking simple, low-cost insurance solutions.
#8 – American Family: Best for Strong Support
Pros
- Variety of Coverage Choices: According to our American Family car insurance review, this company offers numerous policy options, ensuring Arkansas drivers can find affordable plans.
- Safe Driving Discounts: Discounts for good driving behavior help Arkansas residents lower their premiums, enhancing affordability.
- Local Agent Support: Personalized service from local agents improves the experience for Arkansas drivers managing their insurance.
Cons
- Higher Premiums: Initial rates may be higher than competitors, posing a challenge for cost-conscious drivers in Arkansas.
- Basic Digital Tools: Limited online features may need to meet the expectations of Arkansas drivers seeking comprehensive digital management.
#9 – Allstate: Best for Coverage Options
Pros
- Diverse Coverage Options: See our Allstate car insurance review to learn how an extensive range of policies allows Arkansas drivers to find affordable plans tailored to their unique needs.
- Local Agent Availability: Arkansas residents benefit from personalized advice and support from local agents, enhancing the insurance experience.
- Numerous Discounts: Allstate offers a variety of discounts, which can significantly reduce costs for safe driving and bundling in Arkansas.
Cons
- Higher Base Premiums: Allstate tends to have steeper initial rates, potentially deterring Arkansas drivers from seeking the lowest car insurance in Arkansas.
- Variable Customer Service Quality: Inconsistent reports regarding customer service could affect satisfaction for Arkansas drivers seeking dependable support.
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#10 – Farmers: Best for Personalized Service
Pros
- Wide Range of Discounts: Farmers offer various discounts, such as bundling and safe driving, making insurance more affordable for Arkansas residents.
- Customizable Coverage: Flexible policy options allow Arkansas drivers to tailor their insurance, enhancing protection and affordability.
- Local Agent Assistance: Explore our Farmers car insurance review to see how local agents offer personalized service for Arkansas drivers
Cons
- Higher Starting Rates: Premiums may be higher initially, which could deter those seeking the cheapest options in Arkansas.
- Service Variability: Inconsistent experiences with customer support could affect overall satisfaction for Arkansas drivers.
Best Deals on Cheap Car Insurance in Arkansas
Evaluating cheap car insurance in Arkansas, the monthly rates for minimum and full coverage can provide valuable insights into affordability and value for each provider. Here’s a breakdown of how the top insurers compare based on the table of Arkansas car insurance monthly rates:
Arkansas Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $56 | $162 |
| $47 | $137 |
| $36 | $104 |
| $57 | $165 |
| $31 | $91 |
| $34 | $99 |
| $44 | $128 |
| $45 | $131 |
| $28 | $80 |
| $38 | $111 |
State Farm leads with the most competitive rates, offering affordability for both minimum and full coverage, complemented by extensive discounts and high customer satisfaction.
Geico follows with low premiums and an excellent mobile app, providing significant value through its numerous discount programs.
Arkansas Report Card: Auto Insurance Premium| Category | Grade | Explanation |
|---|---|---|
| Affordability | B- | Slightly above national average |
| Customer Satisfaction | B+ | Generally positive but issues with claims processing |
| Regulation & Transparency | B | Adequate state regulations, room for improvement |
| Coverage Options | B+ | Good selection but fewer high-end coverage options |
| Claims Processing Efficiency | C | Delays are common in claims handling |
| Innovative Policy Features | B | Some innovative features, but limited |
| Discount Availability | A- | Many discounts for safe drivers, bundling, and more |
| Online Services & Tools | B | Functional but not as user-friendly as top competitors |
| Risk-Based Pricing | C+ | Premiums rise significantly after minor violations |
| Response to Catastrophes | B | Adequate response to major weather events, with room for improvement |
While Amica strikes a balance between affordability and customer service, with potential dividend savings adding extra value. Liberty Mutual and Travelers offer mid-range options with additional benefits like accident forgiveness and hybrid vehicle discounts, though their rates are higher compared to the lowest providers.
Comparing these providers can help you identify the most cost-effective car insurance in Arkansas tailored to your needs. This approach ensures you secure affordable car insurance while receiving the coverage and support that best matches your driving habits and financial situation. To delve deeper, refer to our in-depth report titled “Is full coverage really full?”
Affordable Car Insurance Rates in Arkansas
Searching for cheap car insurance in Arkansas, understanding the available discounts can significantly lower your premiums. Each insurance provider offers unique discount opportunities that can help you save money.
Car Insurance Discounts From the Top Providers in Arkansas| Insurance Company | Available Discounts |
|---|---|
| Safe driver, multi-policy, good student, new car, autopay |
| Multi-policy, loyalty, safe driver, low mileage, good student |
| Loyalty, multi-policy, autopay, bundling, legacy |
| Safe driver, multi-policy, good student, ePolicy, mature driver |
| Multi-policy, military, good student, safe driver, anti-theft |
| Multi-policy, early shopper, good student, homeowner, military |
| SmartRide, multi-policy, accident-free, good student, homeowner |
| Multi-policy, good driver, sign online, pay-in-full, homeowner |
| Multi-policy, good student, safe driver, anti-theft, accident-free |
| Multi-policy, hybrid/electric vehicle, safe driver, good student, new car |
State Farm offers discounts for multi-policy, good student, and safe driver behaviors, promoting bundled coverage and responsible driving. Anti-theft discounts incentivize vehicle security measures. Liberty Mutual offers multi-policy and early shopper discounts for those who purchase their policy ahead of time, providing savings for planning and bundling.
Allstate offers discounts for safe driving, which promotes a commitment to road safety, potentially lowering your risk and premiums.
Arkansas Report Card: Auto Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Driver Discount | A | 20% | Geico, State Farm, Progressive |
| Multi-Car Discount | A- | 25% | Allstate, Direct Auto, Nationwide |
| Bundling Discount | A | 20% | State Farm, Allstate, Progressive |
| Good Student Discount | B+ | 10% | Geico, Nationwide, Liberty Mutual |
| Low-Mileage Discount | B | 10% | MetLife, Nationwide, Liberty Mutual |
| Anti-Theft Device Discount | B+ | 15% | State Farm, Geico, Allstate |
| Military Discount | A | 25% | USAA, Geico, Direct Auto |
To ensure you’re getting the best deal possible. Here are some practical tips to help you secure the best discounts on your car insurance:
- Bundle Your Policies: Combine car insurance with home or other types of insurance to qualify for multi-policy discounts from many providers.
- Maintain a Clean Driving Record: Avoid accidents and traffic violations to qualify for safe driver discounts, which can significantly reduce your premiums.
- Good Student Discount: If you’re a student or have a student in the household with good grades, ask about good student car insurance discounts for academic achievement.
- Install Anti-Theft Devices: Equip your vehicle with anti-theft devices to benefit from discounts aimed at reducing the risk of theft.
Applying these discounts, you can tailor your insurance policy to your lifestyle and needs, making it easier to secure the most affordable coverage for your vehicle in Arkansas.
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Factors Influencing Cheap Car Insurance Rates in Arkansas
Finding affordable car insurance in Arkansas involves more than just comparing quotes. Several key factors influence how much you pay for coverage, each affecting your rates in different ways.
Age and Driving Experience
In Arkansas, age and driving experience are pivotal factors in determining car insurance rates. Young and inexperienced drivers often face higher premiums due to their increased risk of accidents. Teenage drivers, statistically, are more likely to be involved in accidents compared to older, more seasoned drivers.
This higher risk of accidents results in higher insurance costs for younger drivers. As you gain more driving experience and maintain a safe driving history, you may see a reduction in your insurance costs. For additional details, explore our comprehensive resource titled “Teenage Car Insurance: Discounts and Coverage.”
Vehicle Make and Model
The make and model of your vehicle significantly impact your car insurance costs in Arkansas. Expensive, high-performance, or frequently stolen vehicles generally incur higher insurance rates.
5 Most Common Auto Insurance Claims in Arkansas| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collisions | 30% | $3,500 |
| Single-Vehicle Accidents | 20% | $4,200 |
| Weather-Related Damage (Hail, Floods) | 18% | $5,000 |
| Uninsured Motorist Claims | 15% | $6,500 |
| Theft or Vandalism | 10% | $2,800 |
These kind of vehicles are often associated with higher repair costs and increased likelihood of damage, prompting insurers to charge more.
In contrast, cars known for safety and reliability tend to have lower insurance rates. Vehicles with excellent safety ratings and lower repair costs are considered less risky, leading to potential savings on your premiums. To gain further insights, consult our comprehensive guide titled “Car Insurance for a Stolen Car.”
Driving Record and Claims History
A clean driving record with no accidents or violations can help secure more affordable rates. Insurance companies assess your driving history to gauge risk. Multiple accidents or violations signal a higher risk, leading to increased premiums.
Arkansas Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Little Rock | 7,500 | 7,100 |
| Fort Smith | 3,200 | 3,000 |
| Fayetteville | 2,800 | 2,600 |
| Springdale | 2,500 | 2,300 |
| Jonesboro | 2,300 | 2,100 |
| North Little Rock | 2,100 | 2,000 |
| Conway | 1,800 | 1,700 |
| Rogers | 1,500 | 1,400 |
| Bentonville | 1,200 | 1,100 |
| Pine Bluff | 1,000 | 950 |
Insurers view drivers with a history of safe driving as less risky and often offer better rates to those with clean records.
Companies use past behavior as an indicator of future risk, so maintaining a clean record and minimizing claims can help you secure more affordable insurance. To learn more, explore our comprehensive resource on insurance titled “What is careless driving?”
Understanding these factors allows you to take control of your insurance costs and make informed choices that can help you find cheap insurance in Arkansas.
Understanding Car Insurance in Arkansas
In Arkansas, finding affordable car insurance involves a careful balance of cost and coverage to ensure you’re getting both value and protection. Start by comparing Arkansas car insurance quote from various insurers to pinpoint the most competitive rates.
Among the top choices, State Farm stands out for its comprehensive coverage options and excellent customer service, making it a top pick for those seeking reliability and robust support. Geico is renowned for its competitive rates and user-friendly online tools, which can help you easily access discounts and manage your policy.
Liberty Mutual offers flexible coverage options and discounts for bundling multiple policies. Look for discounts that can reduce your costs, such as those for safe driving, bundling multiple policies, or maintaining a good credit score. Ensure that, while you are getting a great deal, your policy provides adequate protection for your needs.
State Farm sets the standard for car insurance in Arkansas with its superior coverage options and outstanding customer service.
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By thoroughly evaluating your options and leveraging available discounts, you can achieve substantial savings on the best car insurance in Arkansas without compromising on essential coverage. To expand your knowledge, refer to our comprehensive handbook titled “Best Good Payer Car Insurance Discounts.”
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Frequently Asked Questions
Who typically pays the highest car insurance premiums in the state?
Typically, younger drivers, drivers with poor credit scores, and those with a history of traffic violations pay the highest Arkansas car insurance rates. High-risk drivers often face increased premiums. For a thorough understanding, refer to our detailed analysis titled “Best Car Insurance for High-Risk Drivers.”
What is full coverage cheap car insurance within the state?
Full coverage cheap car insurance typically includes liability car insurance in Arkansas, comprehensive coverage, and collision coverage. It provides more extensive protection than just liability insurance and aims to be budget-friendly for those seeking the cheapest insurance in Arkansas.
Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
What is the liability cheap car insurance in Arkansas?
Liability cheap car insurance in Arkansas covers the costs for damages or injuries you cause to others in an accident. It is the minimum required by law and is designed to be affordable while meeting legal requirements, making it the option for those seeking the cheapest liability insurance in Arkansas.
What car insurance is the cheapest for full coverage in the state?
The cheapest full coverage car insurance in Arkansas varies by provider and individual circumstances. Companies like State Farm, Geico, and Progressive are often noted for offering competitive rates on cheap full coverage car insurance in Arkansas.
How much is most cheap car insurance per month?
On average, cheapest Arkansas car insurance can cost between $70 to $120 per month. Rates vary depending on factors such as driving history, vehicle type, and coverage levels. For a comprehensive analysis, refer to our detailed guide titled “How Insurance Companies Calculate Your Car Insurance Rate.”
Does car insurance follow the car or the driver?
In Arkansas, car insurance generally follows the car, meaning that if you drive a vehicle with insurance, the policy usually covers you as the driver. However, the specific details can vary based on the policy and circumstances.
Do I need proof of car insurance in Arkansas to register a car?
Yes, you need proof of car insurance to register a car in Arkansas. The state requires that you provide evidence of insurance coverage to complete the registration process.
How much should I pay for cheap car insurance?
For cheap car insurance in Arkansas, you should expect to pay around $70 to $120 per month, depending on your personal factors and the coverage you select.
What is the minimum car insurance coverage in the state?
The minimum car insurance in Arkansas requires liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. For a comprehensive overview, explore our detailed resource titled “Best Liability-Only Car Insurance.”
In the state of Arkansas which car insurance is the best?
The best insurance for cheap car insurance in Arkansas depends on your specific needs and circumstances. Providers like State Farm, Geico, and Progressive are often recommended for their competitive rates and coverage options.
When you’re ready to see how much you can save on your car insurance, enter your ZIP code below into our free comparison tool.
Enter your ZIP code below to compare cheap insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.