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Car Insurance in Arkansas: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
Arkansas drivers pay about $2,427 a year for full coverage — roughly 10% below the national average. Arkansas is an at-fault state with a 25/50/25 liability minimum, and credit history is a permitted rating factor. Here's the coverage you must carry, what Arkansans pay, and how to find a cheaper rate.
Avg. full coverage
$2,427/yr
≈10% below U.S. avg.
Avg. minimum coverage
$502/yr
≈40% below U.S. avg.
State minimum
25/50/25
Liability only required
Fault system
At-fault (tort)
At-fault driver pays
vs. U.S. average
−10%
Below national average
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Minimum coverage required in Arkansas
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per person / per accident |
| Property damage liability | $25k | Required |
| Personal injury protection | Optional | Must be offered; can be declined |
| Uninsured motorist | Optional | Offered; can be declined |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average Arkansas premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,427/yr | 10% below U.S. | Comp + collision included |
| Minimum coverage | $502/yr | 40% below U.S. | 25/50/25 liability only |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
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Arkansas estimated rates by driver profile (2026)
Estimates anchor each profile to Arkansas's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$2,427/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$3,471/yr | +43% | 2,427 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$3,009/yr | +24% | 2,427 × 1.24 (Bankrate avg) |
| DUI on record | ~$4,563/yr | +88% | 2,427 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$4,854/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$4,126/yr | +70% | 2,427 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
Arkansas: what helps and what hurts your rate
In your favor
- ✓Full-coverage premiums average about 10% below the national average
- ✓Minimum coverage is among the cheapest nationally (~$502/yr)
- ✓Competitive market with national and regional carriers
- ✓PIP and uninsured-motorist coverage are available if you want added protection
Works against you
- ✗Credit history is a permitted rating factor
- ✗Tornado and hail exposure raises comprehensive premiums
- ✗Liability-only minimum leaves no coverage for your own vehicle
- ✗Higher uninsured-driver rates push costs up across the market
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A closer look at car insurance in Arkansas
Arkansas's below-average pricing is attractive, but weather risk makes comprehensive coverage worth keeping, and the 25/50/25 minimum pays nothing toward your own car. Because insurers must offer PIP and uninsured-motorist coverage, drivers can layer in extra protection affordably. With credit and location driving big swings between carriers, comparing quotes is the most reliable way to capture Arkansas's low baseline.
Bottom line
Arkansas is an affordable state for car insurance, but weather risk and a liability-only minimum argue for keeping full coverage. Comparing carriers and maintaining good credit is the best way to keep an Arkansas rate low.
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Frequently asked questions about Arkansas car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
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