Auto Insurance in Arkansas — Average Cost 2026
Average auto insurance in Arkansas: $1,620/year ($135/month). Arkansas ranks #22 out of 51 states — below the national average.
Average annual
$1,620
Average monthly
$135
National rank
#22
of 51 states
vs national avg
-9.0%
Arkansas vs national average
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Auto insurance in Arkansas
Arkansas sits 9% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Arkansas tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Arkansas drivers hundreds of dollars annually.