Skip to Main Content

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average cost of car insurance in Arkansas in 2025

Written by
Edited by
Updated Sep 08, 2025
The annual average cost of car insurance in Arkansas is $2,432 for full coverage and $502 for minimum coverage.
Location Pin Icon
Zip Hero Image

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

On This Page

How much is car insurance in Arkansas? 

To calculate what you can expect to pay for car insurance in the Land of Opportunity, Bankrate analyzed premium data sourced from Quadrant Information Services. We determined that the average annual cost of car insurance in Arkansas is $502 for state-mandated minimum coverage and $2,432 for full coverage, which includes optional collision and comprehensive insurance. This is below the national averages of $806 for minimum and $2,671 for full. Car insurance rates have been on the rise across the country, and Arkansas is no exception. If you’re feeling the pinch, our guide may help you identify a cheaper insurer and learn how to lower risk factors.

Key takeaways

  • Full coverage car insurance in Arkansas costs an average of $2,432 per year, while minimum coverage averages $502 per year.
  • Rates vary by location. For instance, the average cost of full coverage in Little Rock is 7 percent more than the state average, while it’s 9 percent less in Bentonville.
  • A DUI conviction in Arkansas leads to an average increase of 61 percent more in full coverage premiums.
  • Drivers with excellent credit history pay an average of 12 percent less on full coverage compared to drivers with good credit.

What would you like to do today?

Money Bag Icon

Get quotes

Answer a few questions to get personalized quotes from top-rated carriers in 3 minutes or less.

Get started
Arrow Right Icon

Arkansas car insurance rates by city

The average car insurance cost in Arkansas varies by city, reflecting how location influences premiums. In the state's most populated cities, these average rates for full coverage can differ from the state's overall average due to several local factors.

Differences in rates between cities often stem from the local cost of repairs, availability of parts and services and the frequency of auto accidents. Factors like vehicle type, age, driving history and even local rates of theft and vandalism also play a role in shaping your individual premium.

Below are average rates in some of the most populated cities in Arkansas so you can see how average rates in these locations stack up against the state average premium for full coverage.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average