Let’s be real—no one wakes up excited to shop for car insurance. But if you drive in Arkansas, it’s not just a good idea—it’s the law. Whether you’re cruising the Ozark Mountains or commuting through Little Rock traffic, having the right car insurance protects your ride, your wallet, and your peace of mind.
So, how much is car insurance in Arkansas per month? Great question—and we’ve got the answers. From average costs to what affects your premium, we’ll break it down so you’re not left guessing (or overpaying).
Get a Free Arkansas Insurance Quote Today and see how much you could be saving—no guesswork, no stress.
Average Monthly Car Insurance Cost in Arkansas
If you’ve ever wondered how much car insurance is in Arkansas per month, here’s a helpful breakdown based on the latest 2025 data.
According to Bankrate, drivers in Arkansas pay, on average, around $41/month for state‑mandated minimum coverage, and about $201/month for full coverage that includes collision and comprehensive protection. Meanwhile, the national average in 2025 sits at approximately $175/month for full coverage and around $69/month for minimum policies. That means Arkansas drivers pay less than the national average for full coverage—while minimum coverage is also more affordable here.
Here’s a clearer picture for a typical driver (e.g., age ~40, good record), comparing minimum versus full coverage side by side:
| Coverage Level | Arkansas Average (per month) | National Average (per month) |
| State‑mandated Minimum | $41 | ~$69 (min liability only) |
| Full Coverage (comp & collision) | $201 | ~$175 |
Arkansas vs. National Average
- Full coverage: Arkansas drivers pay about $201/month, while the national average is around $175/month
- Minimum coverage: Arkansans enjoy an average rate of $41/month, compared to roughly $69/month across the U.S.
These figures assume a clean driving record and good credit—your premium may vary based on personal factors.
Factors That Affect Car Insurance Rates in Arkansas
Wondering why your rate is higher (or lower) than your neighbor’s? These are the biggest things that impact how much car insurance is in Arkansas per month:
Age:
Young drivers pay more. Older, more experienced drivers pay less. Simple as that.
Driving Record:
Tickets, accidents, and DUIs raise your rates. A clean record keeps your costs down.
Credit Score:
In Arkansas, poor credit = higher premiums. Good credit? You’ll likely pay less.
Coverage Level:
The Minimum car insurance in Arkansas is cheaper. Full coverage car insurance costs more because it protects more—like your own vehicle in an accident.
ZIP Code :
Why is car insurance more expensive in some Arkansas cities?
It depends on where you live. Areas with more accidents, car thefts, or uninsured drivers mean a higher risk for insurers, so they charge more.
- Little Rock: Higher premiums
- Fayetteville, Bentonville: Typically lower premiums
Your ZIP code matters.
Vehicle Type
Driving a sports car? Expect a higher premium. Basic, safe, affordable car? Lower rates. That’s because repairs, safety ratings, and theft risk vary by vehicle.
Average Monthly Car Insurance Cost by City in Arkansas
Car insurance costs can swing quite a bit depending on where you live. Here’s a look at what drivers are paying across different Arkansas cities in 2025:
| City | Minimum Coverage | Full Coverage |
| Little Rock | $49/month | $215/month |
| Fayetteville | $38/month | $188/month |
| Fort Smith | $42/month | $195/month |
| Jonesboro | $40/month | $190/month |
| Bentonville | $36/month | $182/month |
| Hot Springs | $43/month | $198/month |
| Conway | $39/month | $189/month |
Reminder: These are averages for a 40-year-old driver with a clean record and good credit. Your exact rate may vary based on your driving history, vehicle, and other personal factors.
As you can see, Little Rock typically has the highest rates, while cities like Bentonville and Fayetteville come in lower—thanks to fewer accidents, lower population density, and less traffic congestion.
Minimum vs. Full Coverage Costs in Arkansas
What’s the Minimum Car Insurance Required in Arkansas?
Arkansas drivers are legally required to carry liability insurance. Here’s the minimum car insurance in Arkansas:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
This is often called 25/50/25 coverage. It protects other people and their property if you’re at fault—but it won’t cover damage to your vehicle. To understand how much insurance is right for you, check out our detailed guide on How Much Car Insurance You Need.
You can review state-specific insurance requirements and consumer tips through the National Association of Insurance Commissioners, a trusted source for insurance regulation and guidance.
Full Coverage vs. Minimum Coverage: What’s the Cost?
| Coverage Type | What It Includes | Average Monthly Cost |
| Minimum Coverage | Liability only (meets legal requirements) | $41/month |
| Full Coverage | Liability + collision + comprehensive | $201/month |
Full coverage costs more, but it protects you, too. If your car is stolen, vandalized, or totaled in an accident, full coverage has your back.
For a deeper dive into what liability, collision, and comprehensive coverage include, the Insurance Information Institute breaks it down clearly.
Example: Quote Breakdown
Let’s say you’re a 35-year-old driver in Fayetteville with a clean record:
- Minimum coverage: $38/month
- Full coverage: $185/month
- Deductibles: $500 for collision & comprehensive
- Optional add-ons: Roadside assistance, rental reimbursement
Is Minimum Coverage Enough in Arkansas?
It depends on your situation.
Minimum coverage is legally enough, but if your car is worth more than a few thousand dollars—or if you can’t afford to replace it out of pocket—it may not be financially enough.
- Good for: Older vehicles, low-mileage drivers, tight budgets
- Not ideal for: Newer cars, high-traffic areas, drivers with long commutes
If you want true peace of mind, full coverage car insurance in Arkansas is usually worth the extra cost.
How to Find Affordable Car Insurance in Arkansas
Saving money on your car insurance doesn’t have to be a mystery. Here are some top tips to help you get the best rate possible:
- Compare Quotes Online
Don’t settle for the first number you see. Use tools like G&G’s in-house software to compare rates from 50+ insurers in minutes. - Bundle Your Policies
Got homeowners or renters insurance? Bundling it with your car insurance often earns you a nice discount. - Maintain Good Credit
Your credit score affects your premium. Pay bills on time and keep debt low to help lower your rates. - Take Safe Driving Courses
Many insurers offer discounts for completing approved defensive driving or safety courses. - Drive Safely and Avoid Claims
The best way to keep rates low long-term? Stay accident-free and ticket-free.
Compare Arkansas Insurance Rates from Top Providers today with G&G and see how much you can save!
Best Car Insurance Companies in Arkansas
Looking for the best car insurance in Arkansas? At G&G Independent Insurance, we shop over 50 top-rated carriers—including Progressive, one of our trusted partners—to find you the best coverage and rates tailored to your needs.
While you might be familiar with well-known insurers like State Farm, GEICO, Allstate, and Farmers Insurance, the right policy depends on your unique situation. These companies are recognized locally for competitive rates and solid service, but the easiest and smartest way to secure your ideal coverage is by comparing personalized quotes through G&G—your local insurance experts.
Here are some insurers that stand out in Arkansas:
- Progressive
A G&G favorite known for competitive pricing and many discount options, especially for safe drivers or bundling policies. - State Farm
A household name with strong customer service and a broad agent network—great for those seeking personalized support. - GEICO
Popular for affordable rates and convenient online management, making it a hit among budget-conscious drivers. - Allstate
Offers customizable coverage with helpful tools and resources to keep you protected. - Farmers Insurance
Known for a strong local presence and diverse coverage options to fit your needs.
Who has the cheapest car insurance in Arkansas?
Rates vary based on your profile, but insurers like Progressive, GEICO, and others often offer some of the lowest prices—especially for drivers with clean records. The best way to find your cheapest rate?
Let G&G Independent Insurance shop for you with quick, personalized quotes from multiple companies at once.
Conclusion
Car insurance costs in Arkansas can vary widely based on your age, driving record, coverage choices, and even where you live. While minimum coverage keeps you legal, full coverage offers the protection and peace of mind you deserve. Don’t settle for guesswork or overpaying—comparing quotes and unlocking discounts is the smartest way to get the coverage you need at a price you’ll love.
Why pay more than you have to?
Take control of your insurance costs today. Get a free, personalized quote with G&G Independent Insurance and start saving on the best coverage tailored specifically for you. Your wallet—and your peace of mind—will thank you.
