Shop smarter for car insurance with rates from top providers and savings tips tailored to Arkansas drivers.
Car Insurance Calculator for Arkansas
Updated: November 11, 2025
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Get Arkansas Car Insurance Estimates
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
$155
High
$114
Average
$64
Low
Rates updated:
Dec 23, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  State Farm | 92 /of 100 | $64 |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 |  Allstate | 67 /of 100 | $127 |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 |  Progressive | 71 /of 100 | $155 |
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Key Takeaways
Your Arkansas car insurance estimate will be calculated by insurers based mainly on your vehicle, age, location, driving record, credit score and coverage level.
Our car insurance cost estimates in Arkansas range from $518 to $2,485 per year, depending on a variety of factors.
To get the best deal on Arkansas car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
Have auto insurance questions?Chat with Charlie now.
How to Calculate Arkansas Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
Determine your coverage level before shopping to prevent opting for more coverage than necessary. Consider your location, driving habits, vehicle and finances. Use our calculator to find how much coverage you need.
Research Costs and Discounts
Research average car insurance costs in Arkansas for your chosen coverage and driver profile to understand savings when comparing quotes. Also, explore discounts you may qualify for and discuss them with agents for personal savings.
Research the Cheapest Providers
With your coverage level and cost research, seek provider estimates before obtaining quotes. This helps identify where to begin comparing and who offers the cheapest car insurance in Arkansas for you. Use our calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing providers can save a lot in Arkansas, with potential savings of up to 54% on full coverage and 57% on minimum coverage. Use comparison sites, brokers, insurer websites and direct agencies for varied pricing on the same coverage.
Consider Nontraditional Coverage Options
Pay-per-mile insurance suits those who drive less. Telematics insurance rewards good driving with discounts of up to 40%. Automakers' insurance programs offer savings and added benefits over traditional options.
What Affects Your Arkansas Car Insurance Estimates?
Four factors determine your Arkansas car insurance premium: vehicle details, driver profile, location and insurance provider. Each factor affects your rate differently.
How Much Does a Provider Affect Arkansas Car Insurance Estimates?
Your insurance provider affects your rate more than any other factor. Rates vary by up to 86% above or 36% below the Arkansas average, depending on which company you choose.
| Lowest | Southern Farm Bureau | $71 | $857 |
| Highest | Dairyland | $207 | $2,485 |
How Much Does Age Affect Arkansas Car Insurance Estimates?
Age is the second biggest factor in your Arkansas car insurance rate. Rates for 16-year-olds run 119% above the state average, while 24-year-olds pay 49% below average. Premiums peak at 16 and drop steadily until age 65.
| Lowest | 24 | $99 | $1,191 |
| Highest | 16 | $423 | $5,074 |
How Much Does Credit Affect Arkansas Car Insurance Estimates?
Credit scores rank third in impact on your Arkansas car insurance rate. Full coverage costs $73 monthly with excellent credit but jumps to $170 with poor credit.
| Lowest | Excellent | $73 | $874 |
| Highest | Poor | $170 | $2,045 |
How Much Does Coverage Affect Arkansas Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates in Arkansas, causing rates to vary from $518 per year for minimum coverage to $1,585 yearly for full coverage. The higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $43 | $518 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $132 | $1,585 |
How Much Does Driving Record Affect Arkansas Car Insurance Estimates?
Driving record is the fifth most influential factor, changing car insurance rates in Arkansas by up to 15%. Rates vary widely depending on the number and severity of your violations.
| Lowest | Clean | $111 | $1,333 |
| Highest | Accident | $163 | $1,953 |
Arkansas Car Insurance Calculator: Bottom Line
Before using the calculator, we recommend researching costs, coverage options, and different companies. Use our calculator for an estimate, then gather quotes and compare them with our numbers to find an affordable plan that fits your needs.
Arkansas Car Insurance Estimate: FAQ
Answers to common questions about Arkansas car insurance costs and estimates:
What is used to determine Arkansas car insurance costs?
Personal details, such as your age, credit score, driving record, vehicle and location, affect how your rates are calculated the most. From there, your chosen provider and coverage level determine how much you'll pay past that.
How much is Arkansas car insurance on average?
The average monthly cost of car insurance in Arkansas ranges from $47 to $190.
How do I get the best car insurance in Arkansas?
To find the best car insurance in Arkansas, assess your needed coverage level, compare provider prices, and use a car insurance calculator for customized options.
How We Analyzed Arkansas Car Insurance Rates
Arkansas drivers face unique rate factors. We gathered real quotes to show you exactly how your age, credit, location and driving record affect what you'll pay.
We requested quotes from major insurers for Arkansas drivers using this base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
From this baseline, we changed one factor at a time (age, credit score, location or coverage level) to isolate how each affects your premium. This approach shows you which factors have the biggest impact on Arkansas rates and helps you see where you can save.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.