Cheapest Car Insurance in Arkansas for 2022
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in Arkansas
| City | Premium | Percent Increase |
| Harrison | $810 | 0.0% |
| Mountain Home | $822 | 1.5% |
| Russellville | $865 | 6.8% |
| Siloam Springs | $893 | 10.3% |
| Bella Vista | $896 | 10.6% |
| Rogers | $931 | 14.9% |
| Bentonville | $934 | 15.3% |
| Searcy | $935 | 15.4% |
| Springdale | $943 | 16.5% |
| Batesville | $945 | 16.7% |
| El Dorado | $949 | 17.2% |
| Fayetteville | $950 | 17.2% |
| Van Buren | $953 | 17.7% |
| Paragould | $954 | 17.7% |
| Fort Smith | $956 | 18.0% |
| Malvern | $962 | 18.8% |
| Conway | $979 | 20.8% |
| Texarkana | $1,003 | 23.8% |
| Jonesboro | $1,010 | 24.6% |
| Hot Springs National Park | $1,035 | 27.8% |
| Blytheville | $1,039 | 28.2% |
| Cabot | $1,041 | 28.5% |
| Benton | $1,064 | 31.4% |
| Jacksonville | $1,112 | 37.2% |
| Sherwood | $1,115 | 37.7% |
| Pine Bluff | $1,132 | 39.7% |
| West Memphis | $1,139 | 40.7% |
| Maumelle | $1,151 | 42.1% |
| North Little Rock | $1,188 | 46.6% |
| Little Rock | $1,290 | 59.2% |
Factors That Affect Car Insurance Premiums in Arkansas
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their aged years. Comparing car policy rates can save older drivers hundreds of dollars a year.
Cheapest Car Insurance in Arkansas
5 Tips for How to Get Cheap Car Insurance in Arkansas
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Arkansas, regional insurers such as Shelter, Auto-Owners Insurance, and Farm Bureau Mutual might have lower rates than national companies like Allstate, Geico, and Travelers.
2. Know the factors affecting insurance in Arkansas
Everyone knows that your driving habits and
3. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
4. Choose the coverage that is right for you
You need
5. Search for discounts
Top car insurance companies in Arkansas have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
Methodology
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
| Category | All Profile Characteristics | Good Driver Profile |
| Gender | Male, Female | Male |
| Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
| Marital Status | Single, Married | Single |
| Teenage Driver Included on Policy | No, Yes | No |
| Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
| Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
| Coverage Level | Minimum, Standard, Full | Minimum |
| Discounts | None, Multi-Policy, Homeowner, Student | None |
| Credit Level | Poor, Good | Good |
| Filings | None, SR22, FR44 | None |
| Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability, as required by Arkansas’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Arkansas insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of bum car policy companies in Arkansas is based on data from the Arkansas DMV and Quadrant Information Services. in concert with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car insurance companies for Arkansas drivers in a collection of key categories. For each profile, WalletHub compared quotes among lead Arkansas car policy companies by averaging premiums from 31 zip up codes that represent at least 20 % of Arkansas ‘s population. Military-specific companies like USAA were only considered for the military-specific class, due to their eligibility restrictions. In some cases, they may placid be the best option overall for eligible drivers.In the table below, you can see all of the profile characteristics that were used in WalletHub ’ mho psychoanalysis, in addition to the specific subset of characteristics that make up our beneficial Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above mesa : Where driver profiles are not specified, WalletHub averaged Arkansas indemnity quotes across 40 unlike driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative lone. individual rates will be different.
Don ’ metric ton forget to include local indemnity companies in your research for bum cable car policy. In Arkansas, regional insurers such as Shelter, Auto-Owners Insurance, and Farm Bureau Mutual might have lower rates than national companies like Allstate, Geico, and Travelers.Everyone knows that your driving habits and claims history affect how much you pay for car indemnity. But in Arkansas, companies can besides consider your long time, gender, accredit history, marital status, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.You ’ ll see higher rates if you let your indemnity lapse, even if you don ’ t own a cable car. Arkansas drivers who don ’ deoxythymidine monophosphate maintain continuous coverage pay an average of 6 % more than those with five or more years of policy history.You need liability insurance to pay for the other driver ’ mho damages if you ’ re at fault in an accident in Arkansas. Collision and comprehensive coverage, on the other bridge player, are optional and may be unnecessary if you own an older car., and going with a higher deductible or lower coverage limits costs less, excessively. Don ’ triiodothyronine stint on the coverage you need, but do make informed choices. That way, you won ’ t end up paying for more car policy than you need.Top cable car insurance companies in Arkansas have a variety show of discounts, therefore about anyone can find ways to save. You may be able to get a dismiss if you ’ re a student, veteran, effective driver, homeowner, volition to go paperless, and more .