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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* 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$350$1,281A++847
    Pin Progressive$376$1,492A+837
    Pin Allstate$656$3,039A++825
    Pin Southern Farm Bureau$316$1,215A+N/A
    Pin Shelter Insurance$556$1,862A856

    Information accurate as of July 2021

    * Data provided by Bankrate.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.
    • $1,281* Average Premium Pricing data comes from our partners at Bankrate.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.
    • $1,492* Average Premium Pricing data comes from our partners at Bankrate.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 Telematics

    The fourth-largest car insurance company. If you sign up for Drivewise to receive up to 25% off for good driving habits.
    • $3,039* Average Premium Pricing data comes from our partners at Bankrate.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.
    • $1,215* Average Premium Pricing data comes from our partners at Bankrate.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.
    • $1,862* Average Premium Pricing data comes from our partners at Bankrate.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 Bankrate.com

    **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

    Bankrate.com’s 2021 data shows that that the average cost of car insurance in Arkansas is $470 per year for minimum liability coverage and $1,914 per year for full coverage. Minimum coverage in the U.S. overall costs $565 per year, so Arkansas drivers pay less for minimum. But the national average for full coverage is $1,674 per year so Arkansas comes in higher there. 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*
    USAA$1,142
    Farmers$1,150
    Southern Farm Bureau$1,215

    * Data provided by Bankrate.com.

    Top 3 Most Expensive Car Insurance Companies in Arkansas

    CompanyAverage Annual Premium*
    Shelter Insurance$4,183
    Allstate$3,039
    The Hanover$2,619

    * Data provided by Bankrate.com.

    Top 3 Cheapest Cities for Car Insurance in Arkansas

    CityAverage Annual Premium*
    Lowell$1,689
    Cave Springs$1,689
    Bella Vista$1,700

    * Data provided by Bankrate.com.

    Top 3 Most Expensive Cities for Car Insurance in Arkansas

    CityAverage Annual Premium*
    West Helena$2,184
    Helena-West Helena$2,178
    Lexa$2,160

    * Data provided by Bankrate.com.

    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 reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers. 

    As for average pricing, we used Bankrate.com’s data of car insurance in Arkansas, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:

    • $100,000 bodily injury liability per person
    • $300,000 bodily injury liability per accident
    • $50,000 property damage liability per accident
    • $100,000 uninsured motorist bodily injury per person
    • $300,000 uninsured motorist bodily injury per accident
    • $500 collision deductible
    • $500 comprehensive deductible

    To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

    These are sample rates and should only be used for comparative purposes.

    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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