Cheap Car Insurance in Arkansas for 2024 (Unlock Big Savings From These 10 Companies!)
State Farm, Geico, and Liberty Mutual are top choices for cheap car insurance in Arkansas. State Farm excels with personalized coverage options, featuring rates at $28/month. Geico is known for its user-friendly app, while Liberty Mutual offers accident forgiveness, making them ideal for affordable car insurance.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she ...
Licensed Insurance Agent
UPDATED: Sep 28, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Sep 28, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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19,116 reviewsCompany Facts
Min. Coverage in Arkansas
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
3,607 reviewsCompany Facts
Min. Coverage in Arkansas
A.M. Best Rating
Complaint Level
Pros & Cons
3,607 reviews
Liberty Mutual stands out with its accident forgiveness feature. Exploring these providers can help you find affordable, tailored insurance that meets your needs. For detailed information, refer to our comprehensive report titled “Best Car Insurance Companies for Comprehensive Coverage.”
Our Top 10 Company Picks: Cheap Car Insurance in Arkansas| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $28 | B | Local Agents | State Farm |
 | #2 | $31 | A++ | Low Rates | Geico |
 | #3 | $34 | A | Customizable Policies | Liberty Mutual |
 | #4 | $36 | A+ | Customer Satisfaction | Amica |
 | #5 | $38 | A++ | Comprehensive Coverage | Travelers |
 | #6 | $44 | A+ | Usage-Based Discounts | Nationwide |
 | #7 | $45 | A+ | Discount Variety | Progressive |
 | #8 | $47 | A | Strong Support | American Family |
 | #9 | $56 | A+ | Coverage Options | Allstate |
 | #10 | $57 | A | Personalized Service | Farmers |
Need the cheapest car insurance possible? Enter your ZIP code above into our free comparison tool to find the most affordable rates for your vehicle.
- State Farm offers customizable coverage for cheap car insurance in Arkansas
- Geico and Liberty Mutual provide convenience with user-friendly apps
- Comprehensive and cost-effective coverage suits a variety of driving needs
#1 – State Farm: Top Overall Pick
Pros
- Competitive Rates: Explore our State Farm car insurance review to see how affordable premiums make it ideal for budget-conscious drivers in Arkansas.
- Comprehensive Discounts: Safe driving, multi-policy, and vehicle safety discounts help reduce premiums, making insurance more accessible for many Arkansas residents.
- Strong Customer Service: High satisfaction ratings ensure that drivers in Arkansas receive support when managing policies or filing claims.
Cons
- Limited Digital Features: State Farm’s online tools for policy management may lack the advanced features needed for tech-savvy drivers in Arkansas.
- Potential Rate Increases: After a claim, premiums can rise, which could impact long-term affordability for drivers on a tight budget.
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#2 – Geico: Best for Low Rates
Pros
- Consistently Low Premiums: Geico is known for providing some of the lowest rates in Arkansas, especially for drivers looking to save.
- User-Friendly Mobile App: Delve into our Geico car insurance review to discover how the app simplifies managing policies, claims, and payments for Arkansas drivers.
- Generous Discount Options: Multi-policy, safe driving, and anti-theft discounts contribute to lowering overall insurance costs for budget-conscious drivers.
Cons
- Standard Coverage Customization: May offer fewer options for those looking to tailor their coverage specifically to their needs in Arkansas.
- Customer Service Inconsistencies: Mixed reviews regarding customer support can lead to varying experiences for policyholders seeking assistance.
#3 – Liberty Mutual: Best for Customizable Policies
Pros
- Accident Forgiveness: This feature helps keep rates low even after an accident, benefiting drivers looking for cheap insurance in Arkansas.
- Multi-Policy Savings: Bundling home, auto, and other policies results in additional discounts, helping drivers save more on coverage.
- Flexible Coverage Options: View our Liberty Mutual car insurance review to learn how customizable plans help Arkansas drivers tailor coverage and enhance affordability.
Cons
- Higher Starting Rates: Initial premiums may be steeper compared to other providers, which could be a drawback for drivers on a strict budget.
- Customer Service Variability: While some have positive experiences, others report inconsistent service, affecting overall satisfaction.
#4 – Amica: Best for Customer Satisfaction
Pros
- Dividend Payouts: Amica’s dividend program provides policyholders with the potential to receive back a portion of their premium, reducing overall costs.
- Exceptional Customer Service: Known for high customer satisfaction, Amica ensures drivers in Arkansas receive top-notch support.
- Variety of Coverage Options: Discover our Amica car insurance review to understand how flexible coverage can meet both budget and insurance needs for Arkansas residents.
Cons
- Limited Discount Programs: Amica provides fewer discount opportunities, which could make it harder for drivers to maximize their savings.
- Higher Base Rates: Premiums tend to be on the higher side, which could deter drivers seeking the most affordable options in Arkansas.
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#5 – Travelers: Best for Comprehensive Coverage
Pros
- Hybrid Vehicle Savings: Special discounts for hybrid and electric vehicles help environmentally conscious drivers lower their insurance premiums in Arkansas.
- Wide Range of Coverage Options: See our Travelers car insurance review to find out how a wide selection of policies ensures comprehensive coverage for Arkansas drivers.
- Discount Programs: Multiple discount opportunities, including for safe driving and multi-policy bundling, help lower overall insurance costs.
Cons
- Higher Starting Premiums: Initial costs for Travelers may be steeper than those of competitors, making it less appealing for drivers on a budget.
- Complicated Policy Options: The vast array of choices may make it harder for some drivers to quickly identify the best plan for their needs.
#6 – Nationwide: Best for Usage-Based Discounts
Pros
- Bundling Savings: Based on our Nationwide car insurance review, bundling home and auto policies unlocks discounts, helping drivers save on insurance in Arkansas.
- Positive Customer Support: Generally favorable reviews for customer service ensure a smoother experience for Arkansas drivers when managing policies or claims.
- Affordable Premiums: Nationwide is known for providing competitive rates, which is beneficial for drivers looking to reduce their insurance expenses.
Cons
- Average Premium Rates: While Nationwide offers competitive pricing, it may not always be the cheapest option for Arkansas drivers.
- Fewer Local Agents: Limited availability of agents could reduce personalized service, which is important for those who prefer face-to-face interactions.
#7 – Progressive: Best for Discount Variety
Pros
- Name Your Price Tool: This feature allows drivers to find insurance options that fit within their budget, enhancing affordability.
- Wide Range of Discounts: Progressive provides many discount options, including for bundling, safe driving, and multi-car policies, making it easy to save.
- Flexible Policy Options: According to our Progressive car insurance review, customizable plans allow Arkansas drivers to adjust coverage and keep costs in check.
Cons
- Fluctuating Premiums: Rates can vary widely depending on individual factors, making it harder for some drivers to find consistent pricing.
- Complex Policy Options: The extensive choices may confuse drivers looking for straightforward, low-cost policies.
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#8 – American Family: Best for Strong Support
Pros
- Comprehensive Coverage Options: In our American Family car insurance review, we explain how a wide range of policy choices meets Arkansas drivers’ needs and budgets.
- Discounts for Safe Driving: Various discounts, including for good driving behavior, help lower premiums, making insurance more affordable.
- Access to Local Agents: Personalized service from local agents improves the experience for Arkansas drivers, making policy management easier.
Cons
- Higher Premiums: Initial rates may be higher compared to other providers, which could be a drawback for cost-conscious drivers.
- Basic Digital Tools: Online tools may not offer the full functionality that some drivers desire for managing their policies.
#9 – Allstate: Best for Coverage Options
Pros
- Broad Coverage Options: Allstate offers a wide range of policies, making it easy to find an affordable plan that meets specific needs.
- Personalized Local Support: Drivers in Arkansas can benefit from working with local agents who provide customized advice and assistance.
- Multiple Discount Programs: With our Allstate car insurance review, explore how various discounts reduce insurance costs for safe driving and bundling in Arkansas.
Cons
- Higher Premiums: Allstate tends to have higher base premiums, which might deter drivers looking for the lowest rates.
- Inconsistent Customer Service: Varying reports of customer support quality could affect satisfaction for those seeking reliable assistance.
#10 – Farmers: Best for Personalized Service
Pros
- Numerous Discount Options: Discounts for safe driving, bundling, and more help lower premiums and make insurance more affordable for Arkansas drivers.
- Customizable Policies: Farmers offers a variety of policy options that can be tailored to individual needs, enhancing flexibility and affordability.
- Access to Local Agents: See our Farmers car insurance review to understand how personalized service from local agents helps Arkansas drivers find the right plan.
Cons
- Higher Starting Rates: Premiums tend to be higher initially, which may not be ideal for those seeking the most affordable insurance.
- Service Variability: Inconsistent customer service experiences could affect overall satisfaction for some drivers in Arkansas.
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Best Deals on Cheap Car Insurance in Arkansas
Evaluating cheap car insurance in Arkansas, the monthly rates for minimum and full coverage can provide valuable insights into affordability and value for each provider. Here’s a breakdown of how the top insurers compare based on the table of Arkansas car insurance monthly rates:
Arkansas Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $56 | $162 |
| $47 | $137 |
| $36 | $104 |
| $57 | $165 |
| $31 | $91 |
| $34 | $99 |
| $44 | $128 |
| $45 | $131 |
| $28 | $80 |
| $38 | $111 |
State Farm leads with the most competitive rates, offering affordability for both minimum and full coverage, complemented by extensive discounts and high customer satisfaction.
Geico follows with low premiums and an excellent mobile app, providing significant value through its numerous discount programs.
Arkansas Report Card: Auto Insurance Premium| Category | Grade | Explanation |
|---|---|---|
| Affordability | B- | Slightly above national average |
| Customer Satisfaction | B+ | Generally positive but issues with claims processing |
| Regulation & Transparency | B | Adequate state regulations, room for improvement |
| Coverage Options | B+ | Good selection but fewer high-end coverage options |
| Claims Processing Efficiency | C | Delays are common in claims handling |
| Innovative Policy Features | B | Some innovative features, but limited |
| Discount Availability | A- | Many discounts for safe drivers, bundling, and more |
| Online Services & Tools | B | Functional but not as user-friendly as top competitors |
| Risk-Based Pricing | C+ | Premiums rise significantly after minor violations |
| Response to Catastrophes | B | Adequate response to major weather events, with room for improvement |
While Amica strikes a balance between affordability and customer service, with potential dividend savings adding extra value. Liberty Mutual and Travelers offer mid-range options with additional benefits like accident forgiveness and hybrid vehicle discounts, though their rates are higher compared to the lowest providers.
Comparing these providers can help you identify the most cost-effective car insurance in Arkansas tailored to your needs. This approach ensures you secure affordable car insurance while receiving the coverage and support that best matches your driving habits and financial situation. To delve deeper, refer to our in-depth report titled “Is full coverage really full?”
Affordable Car Insurance Rates in Arkansas
Searching for cheap car insurance in Arkansas, understanding the available discounts can significantly lower your premiums. Each insurance provider offers unique discount opportunities that can help you save money.
Car Insurance Discounts From the Top Providers in Arkansas| Insurance Company | Available Discounts |
|---|---|
| Safe driver, multi-policy, good student, new car, autopay |
| Multi-policy, loyalty, safe driver, low mileage, good student |
| Loyalty, multi-policy, autopay, bundling, legacy |
| Safe driver, multi-policy, good student, ePolicy, mature driver |
| Multi-policy, military, good student, safe driver, anti-theft |
| Multi-policy, early shopper, good student, homeowner, military |
| SmartRide, multi-policy, accident-free, good student, homeowner |
| Multi-policy, good driver, sign online, pay-in-full, homeowner |
| Multi-policy, good student, safe driver, anti-theft, accident-free |
| Multi-policy, hybrid/electric vehicle, safe driver, good student, new car |
State Farm offers discounts for multi-policy, good student, and safe driver behaviors, promoting bundled coverage and responsible driving. Anti-theft discounts incentivize vehicle security measures. Liberty Mutual offers multi-policy and early shopper discounts for those who purchase their policy ahead of time, providing savings for planning and bundling.
Allstate offers discounts for safe driving, which promotes a commitment to road safety, potentially lowering your risk and premiums.
Arkansas Report Card: Auto Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Driver Discount | A | 20% | Geico, State Farm, Progressive |
| Multi-Car Discount | A- | 25% | Allstate, Direct Auto, Nationwide |
| Bundling Discount | A | 20% | State Farm, Allstate, Progressive |
| Good Student Discount | B+ | 10% | Geico, Nationwide, Liberty Mutual |
| Low-Mileage Discount | B | 10% | MetLife, Nationwide, Liberty Mutual |
| Anti-Theft Device Discount | B+ | 15% | State Farm, Geico, Allstate |
| Military Discount | A | 25% | USAA, Geico, Direct Auto |
To ensure you’re getting the best deal possible. Here are some practical tips to help you secure the best discounts on your car insurance:
- Bundle Your Policies: Combine car insurance with home or other types of insurance to qualify for multi-policy discounts from many providers.
- Maintain a Clean Driving Record: Avoid accidents and traffic violations to qualify for safe driver discounts, which can significantly reduce your premiums.
- Good Student Discount: If you’re a student or have a student in the household with good grades, ask about good student car insurance discounts for academic achievement.
- Install Anti-Theft Devices: Equip your vehicle with anti-theft devices to benefit from discounts aimed at reducing the risk of theft.
Applying these discounts, you can tailor your insurance policy to your lifestyle and needs, making it easier to secure the most affordable coverage for your vehicle in Arkansas.
Factors Influencing Cheap Car Insurance Rates in Arkansas
Finding affordable car insurance in Arkansas involves more than just comparing quotes. Several key factors influence how much you pay for coverage, each affecting your rates in different ways.
Age and Driving Experience
In Arkansas, age and driving experience are pivotal factors in determining car insurance rates. Young and inexperienced drivers often face higher premiums due to their increased risk of accidents. Teenage drivers, statistically, are more likely to be involved in accidents compared to older, more seasoned drivers.
This higher risk of accidents results in higher insurance costs for younger drivers. As you gain more driving experience and maintain a safe driving history, you may see a reduction in your insurance costs. For additional details, explore our comprehensive resource titled “Teenage Car Insurance: Discounts and Coverage.”
Vehicle Make and Model
The make and model of your vehicle significantly impact your car insurance costs in Arkansas. Expensive, high-performance, or frequently stolen vehicles generally incur higher insurance rates.
5 Most Common Auto Insurance Claims in Arkansas| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collisions | 30% | $3,500 |
| Single-Vehicle Accidents | 20% | $4,200 |
| Weather-Related Damage (Hail, Floods) | 18% | $5,000 |
| Uninsured Motorist Claims | 15% | $6,500 |
| Theft or Vandalism | 10% | $2,800 |
These kind of vehicles are often associated with higher repair costs and increased likelihood of damage, prompting insurers to charge more.
In contrast, cars known for safety and reliability tend to have lower insurance rates. Vehicles with excellent safety ratings and lower repair costs are considered less risky, leading to potential savings on your premiums. To gain further insights, consult our comprehensive guide titled “Car Insurance for a Stolen Car.”
Driving Record and Claims History
A clean driving record with no accidents or violations can help secure more affordable rates. Insurance companies assess your driving history to gauge risk. Multiple accidents or violations signal a higher risk, leading to increased premiums.
Arkansas Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Little Rock | 7,500 | 7,100 |
| Fort Smith | 3,200 | 3,000 |
| Fayetteville | 2,800 | 2,600 |
| Springdale | 2,500 | 2,300 |
| Jonesboro | 2,300 | 2,100 |
| North Little Rock | 2,100 | 2,000 |
| Conway | 1,800 | 1,700 |
| Rogers | 1,500 | 1,400 |
| Bentonville | 1,200 | 1,100 |
| Pine Bluff | 1,000 | 950 |
Insurers view drivers with a history of safe driving as less risky and often offer better rates to those with clean records.
Companies use past behavior as an indicator of future risk, so maintaining a clean record and minimizing claims can help you secure more affordable insurance. To learn more, explore our comprehensive resource on insurance titled “What is careless driving?”
Understanding these factors allows you to take control of your insurance costs and make informed choices that can help you find cheap insurance in Arkansas.
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Understanding Car Insurance in Arkansas
In Arkansas, finding affordable car insurance involves a careful balance of cost and coverage to ensure you’re getting both value and protection. Start by comparing Arkansas car insurance quote from various insurers to pinpoint the most competitive rates.
Among the top choices, State Farm stands out for its comprehensive coverage options and excellent customer service, making it a top pick for those seeking reliability and robust support. Geico is renowned for its competitive rates and user-friendly online tools, which can help you easily access discounts and manage your policy.
Liberty Mutual offers flexible coverage options and discounts for bundling multiple policies. Look for discounts that can reduce your costs, such as those for safe driving, bundling multiple policies, or maintaining a good credit score. Ensure that, while you are getting a great deal, your policy provides adequate protection for your needs.
State Farm sets the standard for car insurance in Arkansas with its superior coverage options and outstanding customer service.
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By thoroughly evaluating your options and leveraging available discounts, you can achieve substantial savings on the best car insurance in Arkansas without compromising on essential coverage. To expand your knowledge, refer to our comprehensive handbook titled “Best Good Payer Car Insurance Discounts.”
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Frequently Asked Questions
Who typically pays the highest car insurance premiums in the state?
Typically, younger drivers, drivers with poor credit scores, and those with a history of traffic violations pay the highest Arkansas car insurance rates. High-risk drivers often face increased premiums. For a thorough understanding, refer to our detailed analysis titled “Best Car Insurance for High-Risk Drivers.”
What is full coverage cheap car insurance within the state?
Full coverage cheap car insurance typically includes liability car insurance in Arkansas, comprehensive coverage, and collision coverage. It provides more extensive protection than just liability insurance and aims to be budget-friendly for those seeking the cheapest insurance in Arkansas.
Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
What is the liability cheap car insurance in Arkansas?
Liability cheap car insurance in Arkansas covers the costs for damages or injuries you cause to others in an accident. It is the minimum required by law and is designed to be affordable while meeting legal requirements, making it the option for those seeking the cheapest liability insurance in Arkansas.
What car insurance is the cheapest for full coverage in the state?
The cheapest full coverage car insurance in Arkansas varies by provider and individual circumstances. Companies like State Farm, Geico, and Progressive are often noted for offering competitive rates on cheap full coverage car insurance in Arkansas.
How much is most cheap car insurance per month?
On average, cheapest Arkansas car insurance can cost between $70 to $120 per month. Rates vary depending on factors such as driving history, vehicle type, and coverage levels. For a comprehensive analysis, refer to our detailed guide titled “How Insurance Companies Calculate Your Car Insurance Rate.”
Does car insurance follow the car or the driver?
In Arkansas, car insurance generally follows the car, meaning that if you drive a vehicle with insurance, the policy usually covers you as the driver. However, the specific details can vary based on the policy and circumstances.
Do I need proof of car insurance in Arkansas to register a car?
Yes, you need proof of car insurance to register a car in Arkansas. The state requires that you provide evidence of insurance coverage to complete the registration process.
How much should I pay for cheap car insurance?
For cheap car insurance in Arkansas, you should expect to pay around $70 to $120 per month, depending on your personal factors and the coverage you select.
What is the minimum car insurance coverage in the state?
The minimum car insurance in Arkansas requires liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. For a comprehensive overview, explore our detailed resource titled “Best Liability-Only Car Insurance.”
In the state of Arkansas which car insurance is the best?
The best insurance for cheap car insurance in Arkansas depends on your specific needs and circumstances. Providers like State Farm, Geico, and Progressive are often recommended for their competitive rates and coverage options.
When you’re ready to see how much you can save on your car insurance, enter your ZIP code below into our free comparison tool.
Enter your ZIP code below to compare cheap insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.