Each state has its own combination of factors that makes finding the best car insurance company a unique experience. Reviews.com studied the Arkansas market using the latest 2025 rate studies and consumer data to help drivers find coverage that fits their needs. Our research highlights what to compare — price, coverage, satisfaction, and complaints — and why recent premium increases make it more important than ever to shop around and review an insurer’s complaint index.
The 4 Best Car Insurance Companies in Arkansas
To choose the four best car insurance companies in Arkansas, we reviewed 2025 statewide pricing benchmarks from Bankrate and NerdWallet, and evaluated each company’s coverages, discounts, digital tools, and third-party indicators for customer satisfaction and financial strength (e.g., J.D. Power and AM Best). Based on our research, these are the four best car insurance companies in the Land of Opportunity:
- USAA: Best for Military-Centric Options
- State Farm: Best for Local Agents
- Progressive: Best for Discounts
- Shelter: Best for Customer Satisfaction
Compare the Best Car Insurance Companies in Arkansas
These companies rose to the top of our research methodology, but that doesn’t mean they’ll be right for everyone. Each driver has a unique set of wants and needs when it comes to insurance, so be sure to understand your own circumstances and get quotes from several providers.
Table reflects prior-year datasets; see the 2025 updates below.
* Premium data provided by Bankrate.com
**J.D. Power 2025 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale. USAA is not officially ranked due to eligibility restrictions.
Best for Military-Centric Options
WHY WE CHOSE IT
Why we chose it
Pros
- High J.D. Power customer satisfaction
- Superior AM Best financial strength
- Military-centric coverage and discount options
Cons
- Strict eligibility requirements
- Few local offices
- Fewer discounts than some competitors
OTHER POLICIES OFFERED
- Motorhome
- Homeowners
- Landlord
- Farm and ranch
STANDOUT DISCOUNTS AVAILABLE
- Military installation
- SafePilot
- Loyalty
- Clean driving record
Best for Local Agents
WHY WE CHOSE IT
Why we chose it
Pros
- Local agents available
- Superior AM Best financial strength
- Low average premiums
Cons
- Cannot purchase accident forgiveness (must be “earned”)
- No gap coverage available
- Higher-than-average overall NAIC complaint index
OTHER POLICIES OFFERED
- Home
- Condo
- Umbrella
- Life
STANDOUT DISCOUNTS AVAILABLE
- Drive Safe and Save
- Steer Clear
- Good student
- Driver training
Best for Discounts
WHY WE CHOSE IT
Why we chose it
Pros
- Numerous discounts
- Robust digital tools
- Lower-than-average rates
Cons
- Lower-than-average J.D. Power customer satisfaction score
- Lower-than-average J.D. Power claims satisfaction score
- Higher-than-average NAIC complaint index
OTHER POLICIES OFFERED
- Mexico auto
- Mobile home
- Pet
- Business
STANDOUT DISCOUNTS AVAILABLE
- Snapshot
- Continuous insurance
- Sign online
- Paperless
Best for Customer Satisfaction
WHY WE CHOSE IT
Why we chose it
Pros
- Highest official J.D. Power score in the Central region
- Numerous insurance products available
- Local agents available
Cons
- Highest average minimum and full coverage rates on our list
- AM Best rating is lower than many competitors
- Not available in all states
OTHER POLICIES OFFERED
- Boat
- Farm
- Umbrella
- Personal articles
STANDOUT DISCOUNTS AVAILABLE
- Accident prevention course
- Companion life insurance
- Military
- Driver training course
* Data provided by Bankrate.com
**J.D. Power’s 2025 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale. USAA is not officially ranked due to eligibility restrictions.
The Average Cost of Car Insurance in Arkansas
In 2025, recent statewide estimates place Arkansas’s average car insurance costs at roughly $450–$650 per year for minimum coverage and about $1,700–$2,300 per year for full coverage, based on analyses from Bankrate and NerdWallet. Methods vary (driver profile, deductibles, and geographic weighting), so your price may fall outside these ranges. Arkansas generally clusters around or slightly below the current U.S. average for full coverage in these studies.
Many factors influence your car insurance rates, including driving history, the type of vehicle you drive, and the coverage limits you choose. Elevated auto-insurance inflation in 2024–2025 — documented by the BLS Motor Vehicle Insurance CPI and its monthly CPI summaries — helps explain why 2021 averages understate today’s prices. To find the best car insurance in Arkansas, make sure you understand your needs, then shop around and compare quotes from several carriers.
Top 3 Cheapest Car Insurance Companies in Arkansas
| Company | Average Annual Full Coverage Premium* |
| USAA | Often below statewide average in 2025 (profile-dependent; see Bankrate and NerdWallet) |
| State Farm | Often below statewide average in 2025 (profile-dependent; see Bankrate and NerdWallet) |
| GEICO | Often below statewide average in 2025 (profile-dependent; see Bankrate and NerdWallet) |
* Current “cheapest” varies by driver/ZIP/coverage. Use recent statewide studies from Bankrate and NerdWallet as benchmarks and compare personalized quotes.
Top 3 Most Expensive Car Insurance Companies in Arkansas
| Company | Average Annual Full Coverage Premium* |
| The Hanover | Can be above statewide average for certain profiles; compare multiple quotes (see Bankrate) |
| Allstate | Can be above statewide average for certain profiles; compare multiple quotes (see NerdWallet) |
| Sentry | Can be above statewide average for certain profiles; compare multiple quotes (see Bankrate) |
* Pricing varies significantly by driver profile and ZIP code; use recent statewide benchmarks and obtain personalized quotes.
Top 3 Cheapest Cities for Car Insurance in Arkansas
| City | Average Annual Full Coverage Premium* |
| Bentonville | $1,550–$1,900 |
| Rogers | $1,560–$1,920 |
| Fayetteville | $1,580–$1,970 |
* Ranges synthesized from recent Arkansas city analyses by Bankrate, The Zebra, MoneyGeek, and Insurify.
Top 3 Most Expensive Cities for Car Insurance in Arkansas
| City | Average Annual Full Coverage Premium* |
| West Memphis | $2,400–$3,100 |
| Little Rock | $2,000–$2,700 |
| Pine Bluff | $2,200–$2,900 |
* Ranges synthesized from recent Arkansas city analyses by Bankrate, The Zebra, MoneyGeek, and Insurify.
Key Things to Know About Car Insurance in Arkansas
Each state has its own unique set of factors that will help guide you when you are buying coverage. Understanding what makes Arkansas car insurance different from car insurance in any other state could help you build a policy that fits your needs. Premiums have generally risen since 2021 amid higher claim severity and other pressures; recent BLS CPI data for motor vehicle insurance provides national context for these increases.
Arkansas Car Insurance Requirements
Like most states, Arkansas requires drivers to have at least minimum levels of car insurance to drive legally. In the Land of Opportunity, the minimum car insurance requirements are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Car insurance companies must also offer uninsured motorist coverage, underinsured motorist coverage, and personal injury protection (PIP), although you can decline these in writing if you choose. See Arkansas Code for details on PIP offer and rejection, Uninsured Motorist, and Underinsured Motorist.
While minimum coverage is enough for you to drive legally, most insurance experts recommend that you buy higher liability limits for more financial protection. It may cost more, but it could end up saving your finances from ruin if you cause an accident. Arkansas also uses online insurance verification; if a lapse is detected and not cured, civil penalties and possible registration suspension may apply (see § 27-22-109).
Car Insurance Coverage Options
In addition to liability coverage, you might want to consider these coverage types to build a more robust policy:
- Collision: Collision is designed to pay for damage to your vehicle caused by colliding with something, like another vehicle or a building. Collision is part of full coverage and is required if you have a loan or lease.
- Comprehensive: If you want coverage for damage to your vehicle caused by non-collision scenarios — like hitting an animal, storm damage, or theft — you’ll need comprehensive coverage. Sometimes called “other-than-collision coverage,” comprehensive is the other part of full coverage and is also required if you finance your vehicle.
- Roadside assistance: Much of Arkansas is rural, and if your vehicle breaks down, you could be in for a hefty service call or tow bill. Roadside assistance is an optional coverage that may help cover these costs. Each company’s roadside assistance package varies, though, so be sure to talk to your carrier about the specific coverage.
Frequently Asked Questions
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.
For pricing context, we referenced 2025 statewide averages and ranges from Bankrate and NerdWallet (clean-driver profiles with standardized full coverage). We also used the NAIC Auto Insurance Database Report for historical benchmarking and the BLS CPI for recent inflation context.
- $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 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.
