Cheap Auto Insurance in Arkansas for 2024 (Save With These 10 Companies)

The top pick list of cheap auto insurance in Arkansas with the lowest monthly premiums are State Farm, Geico, and Liberty Mutual, with $28 per month.

They all offer cheap insurance, many discount options and options, safe driver programs, and other features that will help Arkansans get the most for their money regarding auto insurance. You will also enjoy their fairly standard fees, the fact that they are financially secure regarding applicants, and the excellent service they provide.

Our Top 10 Company Picks: Cheap Auto Insurance in Arkansas

Car insurance offers such as multi-policy rebates allow high-risk drivers to search for affordable car insurance in Arkansas, which has the coverage they require in any situation involving driving a vehicle in Arkansas. To get quotes today, please enter your ZIP code using the free tool above.

#1 – State Farm: Top Overall Pick

Pros

• Most Affordable Rates:  In a State Farm auto insurance review, this charge makes it one of the cheapest brands a consumer can get in Arkansas, with a minimum monthly charge of $28.
• Safe-Driving Rewards: The application of discounts to its car insurance customers in Arkansas can make driving safer while reducing drivers’ expenses.
• Comprehensive Coverage Options: Auto insurance choices include liability, collision, comprehensive insurance, and other insurance Arkansas drivers can choose and acquire from State Farm.

Cons

• Limited Telematics Options: Currently, State Farm offers no state-of-the-art telematics programs for car insurance clients in Arkansas, while some competitors do.
• Mixed Customer Satisfaction: For Auto insurance in Arkansas, A.M. Best awards them a B rating, which means poor customer relations.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#2 – Geico: Best for Competitive Premiums

Pros

• Affordable Starting Premiums: According to a Geico auto insurance review, the company sells car insurance in Arkansas, and the minimum monthly premium available is $31.
• Multiple Discounts Available: Geico offers discounts with low claim rates, and a policyholder can secure numerous policies together. They are making it possible for most customers in Arkansas.
• Strong Financial Stability: Geico has an A++ rating by A.M. Best, proving that the company is in good financial standing, which reassures drivers when searching for auto insurance in Arkansas.

Cons

• Limited Local Agent Availability: It has fewer local offices in Arkansas, which could inconvenience consumers who crave flesh-and-blood help with their automobile insurance.
• Higher Rates for Young Drivers: Geico’s compulsory car insurance in Arkansas tends to be relatively high for young drivers compared to other insurance providers.

#3 – Liberty Mutual: Best for Telematics-Based Savings

Pros

• Telematics Discounts: Liberty Mutual has its RightTrack program for Auto insurance in Arkansas, through which healthy drivers with a starting monthly premium of $34 are encouraged.
• Flexible Coverage Options: Liberty Mutual offers adaptable car insurance in Arkansas with perks like accident forgiveness and new car replacements.
• Solid Financial Foundation: The company has a sound rating from A.M. Best, especially in processing claims of customers with vehicle insurance in Arkansas.

Cons

• Higher Base Rates: While Liberty Mutual’s initial price of $34 is reasonable, it may not be the most affordable for Affordable auto insurance in Arkansas.
• Customer Service Concerns:  As noted in the Liberty Mutual auto insurance review, Arkansas car insurance policyholders often complain about inconsistent assistance when dealing with claims.

#4 – Safeco: Best for Bundling Discounts

Pros

• Significant Bundling Discounts: Arkansas customers can cut their bill by a third or more by bundling Safeco’s auto insurance with home or renters insurance for as low as $42 a month.
• Comprehensive Add-Ons:  Safeco’s auto insurance in Arkansas offers additional features like roadside assistance and rental car coverage while your vehicle is in for repairs.
• Easy Mobile Access: The insurance services provider has designed a friendly interface for Arkansas car insurance policyholders to access their plans, policies, and claims through a mobile application.

Cons

• Higher Starting Premiums: Nonetheless, Safeco auto insurance review indicates that car insurance in Arkansas costs $42 per month, which is not the cheapest in the state.
• Inconsistent Customer Service Feedback: Customer contentment has become a critical factor in satisfaction among Arkansas vehicle insurance policyholders with varying experiences.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#5 – Nationwide: Best for Cost-Saving Programs

Pros

• Innovative Savings Initiatives: Nationwide’s vanishing deductible in Arkansas gives drivers a break on auto insurance by eliminating cements of their deductibles for every year of safe driving.
• Customizable Coverage Options: Arkansas drivers can effortlessly coordinate according to their policies, which include extras such as roadside assistance and accident forgiveness.
• Responsive Customer Service: Nationwide is reputable for offering excellent customer service. Thus, it takes little time for a policyholder with automobile insurance in Arkansas to sort out their issues.

Cons

• Higher Premiums: In Arkansas, Nationwide’s Vanishing Deductible helps drivers save by gradually reducing their deductible for safe driving.
• Fewer Discounts: Arkansas consumers seeking vehicle insurance may find that a Nationwide auto insurance review shows the company offers fewer discounts than other auto insurers.

#6 – Progressive: Best for Extensive Discounts

Pros

• Discount Opportunities: Arkansas drivers who are qualified for discounts can save on their monthly premiums, which start as low as $45 per month at Progressive for safe drivers.
• Usage-Based Savings: Arkansas residents can enroll in Progressive’s Snapshot, which tracks driving behavior and offers incentives for safe driving.
• Flexible Coverage Options: They offer Arkansas vehicle insurance policyholders an opportunity to personalize their policies to suit their needs for options like gap and custom parts insurance.

Cons

• Confusing Pricing Structure: With so many discounts and coverage options, Progressive’s price offers may need to be elucidated for Arkansas car insurance buyers.
• Potential Higher Costs: Arkansas consumers seeking vehicle insurance may find that a Progressive auto insurance review shows the company offers more discounts than other insurers.

#7 – American Family: Best for Multi-Policy Savings

Pros

• Generous Multi-Policy Discounts: Arkansas customers can receive a discount on car insurance by bundling their auto policies with other products like home or life insurance through American Family.
• Flexible Payment Options: Arkansas drivers can get discounts on car insurance by bundling with home or life insurance through American Family.
• Comprehensive Coverage Features: Other endorsements include identity theft for Arkansas and gap for vehicle insurance in Arkansas.

Cons

• Higher Premiums: Although $47 per month for an American Family auto insurance review may seem expensive, especially compared to competitors, the company offers some reasonable pricing.
• Mixed Customer Service Feedback: Many American Family policyholders in Arkansas have complained about customer services, which may affect overall satisfaction with their auto insurance.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#8 – The General: Best for High-Risk Drivers

Pros

• Coverage For High-Risk Drivers: The General provides car insurance in Arkansas for people with previous accidents or citations that have restricted them from other insurance companies.
• Fast Car Insurance Quotes: The General purposely tailors their options for people who need fast Quotes Online, which helps those with higher risks get Arkansas insurance quickly.
• Flexible Payment Plans: Consumers with vehicle insurance in Arkansas can create flexible monthly installments of $51 for The General auto insurance review product.

Cons

• Higher Premiums For High-Risk Drivers: The General’s starting premium of $51 may be more costly than other Auto insurance in Arkansas for high-risk drivers.
• Limited Policy Customization:  Arkansas car insurance customers may have fewer options to customize their policy than others.

#9 – Farmers: Best for Comprehensive Coverage

Pros

• Extensive Coverage Options: Arkansas car insurance from Farmers offers various options, including such customizable add-ons as rental reimbursement and rideshare coverage.
• Discounts for Bundling Policies: Arkansas car insurance customers can save by combining their auto insurance policy with other Farmers’ products, such as home or life insurance.
• Personalized Assistance: With numerous agents nationwide, Arkansas vehicle insurance customers can get personalized assistance from Farmers’ local representatives.

Cons

• Higher Premiums: Starting at $56 per month, Farmers may not be Arkansas’s most affordable auto insurance option for budget-conscious drivers.
• Complex Coverage Options: There is a perplexing amount of policy options and add-ons, especially for new customers, making a Farmers auto insurance review necessary.

#10 – Allstate: Best for Local Presence

Pros

• Local Agent Network: Arkansas clients benefit from customized, in-person assistance.
• Variety of Coverage Types: Allstate is very flexible in assembling policies in Arkansas, so see the Allstate auto insurance review for possible discounts.
• Discount Programs: Drivers in Arkansas can enjoy savings with an array of Allstate discounts, such as safe driving and bundling policy discounts.

Con

• Expensive Premiums: Allstate’s rates for drivers in Arkansas are $57 per month, which can be high.
• Customer Service Reviews: Some Arkansas insurance companies have varying experiences with Allstate regarding when it can reach its service and claims.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Arkansas Coverage and Rates

Arkansas drivers can choose from a range of auto insurance coverage options, and rates vary by provider and the level of coverage that’s selected. State Farm has the cheapest insurance of any provider in our search, with a minimum coverage policy available for just $28 per month, compared to a full coverage policy from Farmers that can run you up to $165 per month.

Arkansas Auto Insurance Monthly Rates by Provider & Coverage Level

Prices from other providers are also great, with Geico providing full coverage for $91 a month and Liberty Mutual for $99. Apparently, Arkansas car insurance’s average monthly cost is about $77 in some cities. Fort Smith (average $84), Fayetteville/Springdale/Rogers (average $71), one of the cheapest places for car insurance in Arkansas

Arkansas rates are the 25th lowest across all states, and many Arkansas drivers find relief in lower premiums compared to national averages. Note that individual rates may vary depending on many factors, including credit score, the age of the driver, and the age of the vehicle. If you are shopping around for cheap car insurance in Arkansas, these factors can have a big impact on what you can expect to pay.

Explore low-cost auto insurance in North Little Rock and learn about different types of auto insurance coverage in Arkansas. Understanding these options can help drivers compare offers effectively. Use our free quote comparison tool below to find the cheapest coverage in your area.

Best Arkansas Auto Insurance Companies

There are many cheap car insurance companies in Arkansas that could be very difficult to choose from due to their variety of rates and policies. Comparing discounts in Little Rock, Arkansas, would be helpful to get cheap car insurance. For example, Allstate’s saving is found through the SmartRide, while Geico also offers special discounts to military members as well as students with a good academic record.

Auto Insurance Discounts From the Top Providers in Arkansas

Other popular companies, such as State Farm and Liberty Mutual, offer discounted rates for multi-policy customers or those who have been driving accident free for several years. Knowing these variables will make it easier to obtain the lowest priced auto insurance in Arkansas for your vehicle. When it comes to car insurance in Arkansas, financial stability is another critical aspect to consider.

Companies like State Farm, Geico, and USAA Group have some of the best ratings, indicating their capability to process claims while maintaining a solid financial foundation. If you’re wondering how much car insurance is in Arkansas, it’s essential to know that it can vary significantly based on factors like coverage and discounts.

Arkansas-10-Largest-Car-Insurance-Companies-Financial-Rating

The average cost of car insurance in Arkansas should be weighed alongside the state’s car insurance rates to find the cheapest car insurance Arkansas has to offer. By evaluating both discounts and financial ratings, you can see the cheapest auto insurance options available in Arkansas and determine the cheap auto insurance in Arkansas that fits your requirements.

Arkansas Minimum Coverage

In Arkansas, the “at-fault” system makes the driver responsible for an accident financially accountable for any injuries, lost wages, and property damage. Victims have several options for obtaining compensation, including filing a claim with their insurance company, pursuing a third-party claim against the at-fault driver’s insurer, or initiating a personal injury lawsuit.

To operate a vehicle legally in Arkansas, drivers must carry automobile liability coverage, which has minimum requirements of $25,000 for bodily injury or death of one person, $50,000 for total bodily injury or death, and $25,000 for property damage.

While these minimum requirements ensure that drivers are covered for the damages they cause to others, they do not provide protection for your own injuries or vehicle damage. If you incur losses not covered by another policy, consider exploring additional options when applying for car insurance.

Many people search for cheap car insurance in Little Rock, Arkansas, or the cheapest auto insurance in Arkansas, as well as inquiries about how much car insurance is in Arkansas. For those seeking the best car insurance in Arkansas, understanding Arkansas car insurance rates can help.

It’s possible to find cheap car insurance in North Little Rock or discover the cheapest car insurance in Arkansas options that meet your needs while ensuring sufficient Arkansas auto insurance coverage. Get started on comparing full coverage auto insurance rates by entering your ZIP code below.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Penalties for Driving Without Insurance

Operating a vehicle without insurance in Arkansas can result in serious legal consequences.

It’s important for all drivers to be aware of these penalties to ensure compliance with state regulations and avoid hefty fines.

• First Offense: If you are caught driving uninsured for the first time, you will face a penalty between $50 and $250. In this case, the traffic officer may provide a temporary sticker in place of your license plates and require you to present proof of insurance within 10 days.
• Second Offense: A second violation leads to more severe repercussions, with fines ranging from $250 to $500. As with the first offense, the officer may seize your license plates and request proof of insurance within 10 days.
• Third and Subsequent Offenses: For a third offense, penalties escalate, with fines from $500 to $1,000, and offenders may face up to one year in jail.

Many people wonder, can you get auto insurance without a license? While it may be possible, obtaining cheap car insurance in Arkansas is usually tied to having a valid driver’s license. To find cheap insurance in Arkansas, it’s best to compare options and gather Arkansas auto insurance quotes from different providers.

Discover Affordable Auto Insurance Options in Arkansas

For 2024, cheap auto insurance in Arkansas is available through providers like State Farm, Geico, and Liberty Mutual, with rates starting at $28 per month. These companies offer discounts such as a Safe Driver Discount, safe-driving rewards, and bundling options, leading to an average monthly cost of around $77.

Minimum liability coverage requires $25,000 for bodily injury and $25,000 for property damage. By comparing quotes and using available discounts, Arkansas drivers can find the best auto insurance for their needs. Enter your ZIP code to get started.