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The Best Car Insurance Companies in Arkansas

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    Although many insurance carriers provide coverage across the nation, a person’s vehicle coverage needs in California can be dramatically different than your needs in the Southeast. That’s why we focused on the best car insurance in Arkansas. 

    After analyzing the best car insurance companies in Arkansas, we narrowed them down to five, based on criteria such as low premiums, good customer service and plenty of coverage options. Large insurers such as State Farm and Progressive made the list, as well as smaller, regional carrier Shelter Insurance. Some of them were also ranked in our list of the best car insurance companies in the country. Read on to learn more about their average car insurance rates and more.

    The 5 Best Auto Insurance Companies in Arkansas

    Compare the Best Car Insurance Companies in Arkansas

    Average Price for State Minimum* Average Price for Full Coverage* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin State Farm$654.53$2,183.594.8A++847
    Pin Progressive$757.57$3,344.424.4A+837
    Pin Allstate$693.28$2,604.894A++825
    Pin Southern Farm Bureau$521.09$2,007.624.75A+N/A
    Pin Shelter Insurance$1,188.32$3,497.304A856

    Information accurate as of July 2021

    * Data provided by Coverage.com

    J.D. Power 2021 Auto Insurance Satisfaction rating for the Central region. Based on a 1,000-point scale.

    State Farm

    Best for Online/Mobile App

    Based in Bloomington, Illinois, State Farm is the largest auto insurer and provides a robust mobile app that allows you to pay bills, manage your policy and file claims.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $630.81* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 847** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Based in Bloomington, Illinois, State Farm is the largest auto insurer and provides a robust mobile app that allows you to pay bills, manage your policy and file claims.

    Pros

    • Full-featured mobile app
    • Solid financial strength
    • Good customer service rating

    Cons

    • Not as many discounts
    Read More

    Types of Coverage Offered

    • Bodily injury
    • Collision and comprehensive
    • Property damage
    • Rental car and travel expenses
    • Rideshare
    • Roadside assistance

    Discounts Available

    • Accident-free
    • Anti-theft device
    • Defensive driving course
    • Drive Safe & Save app
    • Driving training
    • Good driver
    • Good student
    • Multi-line
    • Multi-car
    • Passive restraint
    • Student away at school

    More State Farm Insurance Reviews

    Progressive

    Best for Discounts

    If you’re looking to save, you’ll have plenty of discount options from Progressive.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $757.57* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 837** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    If you’re looking to save, you’ll have plenty of discount options from Progressive.

    Pros

    • Long list of discounts
    • Fast claims handling and payouts
    • Customizable policies

    Cons

    • Some discounts are not available nationwide
    • Accident forgiveness may not be available in your area
    Read More

    Types of Coverage Offered

    • Custom parts and equipment
    • Gap insurance
    • Rideshare
    • Roadside assistance
    • Rental car reimbursement

    Discounts Available

    • AutoPay
    • Distant student
    • Good student
    • Insurance bundles
    • Multi-vehicle
    • Online quote
    • Paperless billing
    • Pay in full
    • Snapshot® program
    • Teen driver

    More Progressive Insurance Reviews

    Allstate

    Best for Good Drivers

    The fourth-largest car insurance company. If you sign up for Drivewise to receive up to 25% off for good driving habits.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $693.28* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 825** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    The fourth-largest car insurance company. If you sign up for Drivewise to receive up to 25% off for good driving habits.

    Pros

    • Nationwide agent network
    • Drivewise program
    • 24/7 claims center

    Cons

    • Below average customer satisfaction
    • Not many discounts
    • Claim satisfaction guarantee not available in Arkansas
    Read More

    Types of Coverage Offered

    • Collision and comprehensive 
    • Personal umbrella
    • Rental reimbursement
    • Roadside coverage
    • Sound system insurance
    • Uninsured and underinsured motorist coverage

    Discounts Available

    • Anti-lock brakes
    • Anti-theft devices
    • Automatic payments
    • Multi-policy
    • New car
    • Paperless
    • Pay-in-full
    • Responsible payer
    • Safe driver
    • Smart student

    More Allstate Insurance Reviews

    Southern Farm Bureau

    Best for Transparent Pricing

    Southern Farm Bureau advocates and provides auto insurance coverage for farmers and rural residents.
    • 4.75 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $521.09* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • N/A** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Southern Farm Bureau advocates and provides auto insurance coverage for farmers and rural residents.

    Pros

    • Three tiers of coverage
    • Classic car coverage available
    • Identity theft coverage available

    Cons

    • Must qualify and pay a membership fee to get insurance
    • Below average customer satisfaction
    Read More

    Types of Coverage Offered

    • Classic car
    • Medical payments
    • Personal injury protection
    • Rental and travel expense
    • Roadside assistance
    • Uninsured/underinsured motorist

    Discounts Available

    • Accident-free
    • Continuous coverage
    • Driver training
    • Defensive driving
    • Financially responsible
    • Good driver
    • Good student
    • Loyalty
    • Multi-policy
    Shelter Mutual Insurance

    Best for Car Insurance Packages

    Insurance packages include extras such as roadside assistance.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,188.32* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 856** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Insurance packages include extras such as roadside assistance.

    Pros

    • Many unique coverages available
    • Discounts for insured companions
    • Smaller, regional insurance carrier

    Cons

    • Expensive premiums
    • Slower claims process
    • Customer service only available six days per week
    Read More

    Types of Coverage Offered

    • Accidental death
    • Disability income
    • Gap/loss of use
    • New car replacement
    • Personal injury protection
    • Roadside assistance

    Discounts Available

    • Accident Prevention Course
    • Companion life insurance
    • Companion policy 
    • Good student
    • Multi-car
    • Multi-line
    • Paid in full
    • Safe driver discounts

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2021 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in Arkansas

    Coverage.com reports that the average cost of car insurance in Arkansas is $458 for minimum liability coverage and $1,749 for full coverage. When compared to all states, Arkansas falls in the middle, neither expensive or cheap. To find the best car insurance in Arkansas, shop around to compare quotes from several carriers.

    Many factors influence your car insurance rates, including driving history, credit score, number of claims filed and age. Teen drivers in Arkansas are the second most dangerous young drivers in the country, potentially raising premiums for teens in the state. 

    Top 3 Cheapest Car Insurance Companies in Arkansas

    CompanyAverage Annual Premium*
    Geico $437.03
    USAA$578.64
    Auto Owners Insurance$603.01

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Arkansas

    CompanyAverage Annual Premium*
    Shelter Insurance$1,188.32
    Automobile Club$855.22
    Progressive$757.57

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Arkansas

    CityAverage Annual Premium*
    Clarksville$482.62
    Harrison$500.90
    Mountain Home$502.74

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Arkansas

    CityAverage Annual Premium*
    Little Rock$803.30
    North Little Rock$758.52
    Maumelle$744.87

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Guide to Arkansas Car Insurance 

    If you’re new to Arkansas, the Arkansas Insurance Department provides useful information and allows you to file a complaint if you’re having trouble finding the best auto insurance in Arkansas. You can also do a search to confirm the insurance broker you’re working with is licensed. Make an appointment in advance or renew your driver’s license online through the Arkansas DMV

    Key things to know about car insurance in Arkansas:

    • Arkansas is an at-fault state, meaning the person who caused the crash is financially responsible.
    • Car insurance is mandatory.
    • Insurance carriers in Arkansas are allowed to check your credit score to price your policy.

    Car Insurance Add-Ons That Will Further Protect You 

    As mentioned earlier, Arkansas is prone to unpredictable weather, such as tornadoes and has other unique conditions. Consider adding on the following kinds of coverage:

    • Comprehensive insurance: Comprehensive coverage will pay to repair or replace your car if you strike an animal on one of the many rural highways or your car is damaged from flooding or a tornado.
    • Collision insurance: Teen drivers are more prone to accidents than in any other state. If your teen is behind the wheel of your car and is responsible for a crash, basic coverage will pay for others’ damage but not yours. Add collision insurance to reimburse damages or repairs to your vehicle as well.
    • Roadside assistance: Arkansas has large, rural areas where breaking down can leave you in a lurch. Adding roadside assistance can provide a free pick up, battery jump-start and towing if you break down.

    Arkansas Minimum Insurance Requirements

    The state of Arkansas requires car insurance for all drivers. The state’s minimum is 25/50/25 liability coverage.

    Minimum liability required in the state of Arkansas is divided as follows:

    • $25,000 bodily injury coverage per person
    • $50,000 bodily injury coverage per accident
    • $25,000 for property damage

    Arkansas Car Insurance FAQ

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Arkansas, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Arkansas, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Cynthia Paez Bowman is a contributing writer for Reviews.com. Over the last two years, she has covered insurance, home security and more. She has been featured in MSN, Bankrate, Coverage.com, The Simple Dollar and GOBankingRates. She has dual bachelors degrees in International Business and Journalism from American University in Washington, D.C. “Is It Getting Harder to Get Home Insurance in High-Risk Areas?” is Cynthia’s favorite story on Reviews.com.

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