{"id":324736,"date":"2025-11-07T17:02:03","date_gmt":"2025-11-07T22:02:03","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=88755"},"modified":"2025-11-07T17:02:03","modified_gmt":"2025-11-07T22:02:03","slug":"best-in-arkansas","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-arkansas\/","title":{"rendered":"The Best Car Insurance Companies in Arkansas"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"overall\" title=\"The Best Car Insurance Companies in Arkansas\"><\/span>\n    \n\n\n<p>Each state has its own combination of factors that makes finding the <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">best car insurance company<\/a> a unique experience. Reviews.com studied the Arkansas market using the latest 2025 rate studies and consumer data to help drivers find coverage that fits their needs. Our research highlights what to compare \u2014 price, coverage, satisfaction, and complaints \u2014 and why recent premium increases make it more important than ever to shop around and review an insurer\u2019s <a href=\"https:\/\/content.naic.org\">complaint index<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Car Insurance Companies in Arkansas<\/h2>\n\n\n\n<p>To choose the four best car insurance companies in Arkansas, we reviewed 2025 statewide pricing benchmarks from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and evaluated each company\u2019s coverages, discounts, digital tools, and third-party indicators for customer satisfaction and financial strength (e.g., J.D. Power and AM Best). Based on our research, these are the four best car insurance companies in the Land of Opportunity:<\/p>\n\n\n\n<ul><li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\"><strong>USAA<\/strong><\/a><strong>:<\/strong> Best for Military-Centric Options<\/li><li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\"><strong>State Farm<\/strong><\/a><strong>:<\/strong> Best for Local Agents<\/li><li><a href=\"#progressive\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Progressive<\/strong><\/a><strong>:<\/strong> Best for Discounts<\/li><li><a href=\"#shelter\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Shelter<\/strong><\/a><strong>: <\/strong>Best for Customer Satisfaction<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison-table\" title=\"Comparison Table\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Best Car Insurance Companies in Arkansas<\/h2>\n\n\n\n<p>These companies rose to the top of our research methodology, but that doesn\u2019t mean they\u2019ll be right for everyone. Each driver has a unique set of wants and needs when it comes to insurance, so be sure to understand your own circumstances and get quotes from several providers.<\/p>\n\n\n\t\t\n<section id=\"block_62c71c4f6d1ab\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAVERAGE ANNUAL MINIMUM COVERAGE PREMIUM*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAVERAGE ANNUAL FULL COVERAGE PREMIUM*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAM BEST\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tJ.D. POWER**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_62c71c4f6d1ab-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$287<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,142<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>879<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_62c71c4f6d1ab-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$350<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,281<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>843<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_62c71c4f6d1ab-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Progressive<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$376<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,492<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>820<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_62c71c4f6d1ab-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Shelter<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$556<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,862<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>866<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Table reflects prior-year datasets; see the 2025 updates below.<\/em><\/p>\n\n\n\n<p><em>* Premium data provided by <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Bankrate.com<\/a><\/em><\/p>\n\n\n\n<p><em>**J.D. Power <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2025 U.S. Auto Insurance Study<\/a> rating for the Central region. Based on a 1,000-point scale. USAA is not officially ranked due to eligibility restrictions. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Military-Centric Options\"><\/span>\n    \n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Centric Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                For Arkansas residents who are active military members, veterans, or qualifying family members, USAA offers low average rates, high third-party scores, and options geared toward military needs.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26672716&#038;cr=27703&#038;last_updated=1594081711&#038;sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,142*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">879**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                For Arkansas residents who are active military members, veterans, or qualifying family members, USAA offers low average rates, high third-party scores, and options geared toward military needs.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>High J.D. Power customer satisfaction<\/li>\n                            <li>Superior AM Best financial strength<\/li>\n                            <li>Military-centric coverage and discount options<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Strict eligibility requirements<\/li>\n                                    <li>Few local offices<\/li>\n                                    <li>Fewer discounts than some competitors<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Motorhome<\/li>\n<li>Homeowners<\/li>\n<li>Landlord<\/li>\n<li>Farm and ranch<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Military installation<\/li>\n<li>SafePilot<\/li>\n<li>Loyalty<\/li>\n<li>Clean driving record<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for Local Agents\"><\/span>\n    \n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Local Agents<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                With a network of local agents across the country, State Farm could be a great option if you prefer face-to-face interactions.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325309-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,281*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">843**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                With a network of local agents across the country, State Farm could be a great option if you prefer face-to-face interactions.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Local agents available<\/li>\n                            <li>Superior AM Best financial strength<\/li>\n                            <li>Low average premiums<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Cannot purchase accident forgiveness (must be \u201cearned\u201d)<\/li>\n                                    <li>No gap coverage available<\/li>\n                                    <li>Higher-than-average <a href=\"https:\/\/content.naic.org\/consumer-resources\/consumer-complaint-index\" rel=\"noopener\" target=\"_blank\">overall NAIC complaint index<\/a><\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES  OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Condo<\/li>\n<li>Umbrella<\/li>\n<li>Life<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Drive Safe and Save<\/li>\n<li>Steer Clear<\/li>\n<li>Good student<\/li>\n<li>Driver training<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"progressive\" title=\"Best for Discounts\"><\/span>\n    \n\n                                                \n\n\n<section id=\"progressive\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Progressive<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Progressive offers extensive discount opportunities and plentiful digital tools, making it appealing to those looking for a cheap, digital experience.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325339-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,492*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">820**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Progressive offers extensive discount opportunities and plentiful digital tools, making it appealing to those looking for a cheap, digital experience.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Numerous discounts<\/li>\n                            <li>Robust digital tools<\/li>\n                            <li>Lower-than-average rates<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Lower-than-average J.D. Power customer satisfaction score<\/li>\n                                    <li>Lower-than-average <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-auto-claims-satisfaction-study\" rel=\"noopener\" target=\"_blank\">J.D. Power claims satisfaction score<\/a><\/li>\n                                    <li>Higher-than-average <a href=\"https:\/\/content.naic.org\/consumer-resources\/consumer-complaint-index\" rel=\"noopener\" target=\"_blank\">NAIC complaint index<\/a><\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Mexico auto<\/li>\n<li>Mobile home<\/li>\n<li>Pet<\/li>\n<li>Business<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Snapshot<\/li>\n<li>Continuous insurance<\/li>\n<li>Sign online<\/li>\n<li>Paperless<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"shelter\" title=\"Best for Customer Satisfaction\"><\/span>\n    \n\n                                                \n\n\n<section id=\"shelter\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Shelter<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Satisfaction<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                With the highest official J.D. Power score in the Central region, Shelter may be a good choice for those who value service.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.shelterinsurance.com\/insurance\/autoinsurance\/\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Get a quote<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,862*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">866**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                With the highest official J.D. Power score in the Central region, Shelter may be a good choice for those who value service.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Highest official J.D. Power score in the Central region<\/li>\n                            <li>Numerous insurance products available<\/li>\n                            <li>Local agents available<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Highest average minimum and full coverage rates on our list<\/li>\n                                    <li>AM Best rating is lower than many competitors<\/li>\n                                    <li>Not available in all states<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Boat<\/li>\n<li>Farm<\/li>\n<li>Umbrella<\/li>\n<li>Personal articles<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Accident prevention course<\/li>\n<li>Companion life insurance<\/li>\n<li>Military<\/li>\n<li>Driver training course<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Data provided by Bankrate.com<\/em><\/p>\n\n\n\n<p><em>**<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power\u2019s 2025 U.S. Auto Insurance Study<\/a> rating for the Central region. Based on a 1,000-point scale. USAA is not officially ranked due to eligibility restrictions.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in Arkansas<\/h2>\n\n\n\n<p>In 2025, recent statewide estimates place Arkansas\u2019s average car insurance costs at roughly $450\u2013$650 per year for minimum coverage and about $1,700\u2013$2,300 per year for <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\">full coverage<\/a>, based on analyses from <a class=\"achor-toggles\" href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a class=\"achor-toggles\" href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>. Methods vary (driver profile, deductibles, and geographic weighting), so your price may fall outside these ranges. Arkansas generally clusters around or slightly below the current U.S. average for full coverage in these studies.<\/p>\n\n\n\n<p>Many factors influence your <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/understanding-insurance-rates\/\">car insurance rates<\/a>, including driving history, the type of vehicle you drive, and the coverage limits you choose. Elevated auto-insurance inflation in 2024\u20132025 \u2014 documented by the <a class=\"achor-toggles\" href=\"https:\/\/www.bls.gov\/cpi\/factsheets\/motor-vehicle-insurance.htm\">BLS Motor Vehicle Insurance CPI<\/a> and its monthly <a class=\"achor-toggles\" href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">CPI summaries<\/a> \u2014 helps explain why 2021 averages understate today\u2019s prices. To find the best car insurance in Arkansas, make sure you understand your needs, then shop around and <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/\">compare quotes<\/a> from several carriers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in Arkansas<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>USAA<\/td><td>Often below statewide average in 2025 (profile-dependent; see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>)<\/td><\/tr><tr><td>State Farm<\/td><td>Often below statewide average in 2025 (profile-dependent; see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>)<\/td><\/tr><tr><td>GEICO<\/td><td>Often below statewide average in 2025 (profile-dependent; see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Current \u201ccheapest\u201d varies by driver\/ZIP\/coverage. Use recent statewide studies from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> as benchmarks and compare personalized quotes.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in Arkansas<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>The Hanover<\/td><td>Can be above statewide average for certain profiles; compare multiple quotes (see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>)<\/td><\/tr><tr><td>Allstate<\/td><td>Can be above statewide average for certain profiles; compare multiple quotes (see <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>)<\/td><\/tr><tr><td>Sentry<\/td><td>Can be above statewide average for certain profiles; compare multiple quotes (see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Pricing varies significantly by driver profile and ZIP code; use recent statewide benchmarks and obtain personalized quotes.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in Arkansas<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Bentonville<\/td><td>$1,550\u2013$1,900<\/td><\/tr><tr><td>Rogers<\/td><td>$1,560\u2013$1,920<\/td><\/tr><tr><td>Fayetteville<\/td><td>$1,580\u2013$1,970<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Ranges synthesized from recent Arkansas city analyses by <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/arkansas-car-insurance\/\">The Zebra<\/a>, <a href=\"https:\/\/www.moneygeek.com\/insurance\/auto\/cheapest-car-insurance-arkansas\/\">MoneyGeek<\/a>, and <a href=\"https:\/\/insurify.com\/car-insurance\/arkansas\">Insurify<\/a>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in Arkansas<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>West Memphis<\/td><td>$2,400\u2013$3,100<\/td><\/tr><tr><td>Little Rock<\/td><td>$2,000\u2013$2,700<\/td><\/tr><tr><td>Pine Bluff<\/td><td>$2,200\u2013$2,900<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Ranges synthesized from recent Arkansas city analyses by <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/arkansas-car-insurance\/\">The Zebra<\/a>, <a href=\"https:\/\/www.moneygeek.com\/insurance\/auto\/cheapest-car-insurance-arkansas\/\">MoneyGeek<\/a>, and <a href=\"https:\/\/insurify.com\/car-insurance\/arkansas\">Insurify<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"key-things\" title=\"Key Things to Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Key Things to Know About Car Insurance in Arkansas<\/h2>\n\n\n\n<p>Each state has its own unique set of factors that will help guide you when you are buying coverage. Understanding what makes Arkansas car insurance different from car insurance in any other state could help you build a policy that fits your needs. Premiums have generally risen since 2021 amid higher claim severity and other pressures; recent <a href=\"https:\/\/www.bls.gov\/cpi\/factsheets\/motor-vehicle-insurance.htm\">BLS CPI<\/a> data for motor vehicle insurance provides national context for these increases.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Arkansas Car Insurance Requirements<\/h3>\n\n\n\n<p>Like most states, Arkansas requires drivers to have at least minimum levels of car insurance to drive legally. In the Land of Opportunity, the <a href=\"https:\/\/insurance.arkansas.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">minimum car insurance requirements<\/a> are:<\/p>\n\n\n\n<ul><li>$25,000 bodily injury liability per person<\/li><li>$50,000 bodily injury liability per accident<\/li><li>$25,000 property damage liability per accident<\/li><\/ul>\n\n\n\n<p>Car insurance companies must also offer uninsured motorist coverage, underinsured motorist coverage, and personal injury protection (PIP), although you can decline these in writing if you choose. See Arkansas Code for details on <a href=\"https:\/\/law.justia.com\/codes\/arkansas\/2024\/title-23\/subtitle-3\/chapter-89\/subchapter-2\/section-23-89-202\/\">PIP offer and rejection<\/a>, <a href=\"https:\/\/law.justia.com\/codes\/arkansas\/2024\/title-23\/subtitle-3\/chapter-89\/subchapter-4\/section-23-89-403\/\">Uninsured Motorist<\/a>, and <a href=\"https:\/\/law.justia.com\/codes\/arkansas\/2024\/title-23\/subtitle-3\/chapter-89\/subchapter-2\/section-23-89-209\/\">Underinsured Motorist<\/a>.<\/p>\n\n\n\n<p>While minimum coverage is enough for you to drive legally, most insurance experts recommend that you buy higher liability limits for more financial protection. It may cost more, but it could end up saving your finances from ruin if you cause an accident. Arkansas also uses online insurance verification; if a lapse is detected and not cured, civil penalties and possible registration suspension may apply (see <a href=\"https:\/\/law.justia.com\/codes\/arkansas\/2024\/title-27\/subtitle-3\/chapter-22\/section-27-22-109\/\">\u00a7 27-22-109<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Car Insurance Coverage Options<\/h3>\n\n\n\n<p>In addition to liability coverage, you might want to consider these coverage types to build a more robust policy:<\/p>\n\n\n\n<ul><li><strong>Collision: <\/strong>Collision is designed to pay for damage to your vehicle caused by colliding with something, like another vehicle or a building. Collision is part of full coverage and is required if you have a loan or lease.<\/li><li><strong>Comprehensive: <\/strong>If you want coverage for damage to your vehicle caused by non-collision scenarios \u2014 like hitting an animal, storm damage, or theft \u2014 you\u2019ll need comprehensive coverage. Sometimes called \u201cother-than-collision coverage,\u201d comprehensive is the other part of full coverage and is also required if you finance your vehicle.<\/li><li><strong>Roadside assistance: <\/strong>Much of Arkansas is rural, and if your vehicle breaks down, you could be in for a hefty service call or tow bill. Roadside assistance is an optional coverage that may help cover these costs. Each company\u2019s roadside assistance package varies, though, so be sure to talk to your carrier about the specific coverage.<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_62c71d676d1ca\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I find the best car insurance in Arkansas?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>The first step to finding the best car insurance for you is understanding your needs. Are you looking for the cheapest rate, a mobile app, a certain coverage, or outstanding service? Once you know your needs and wants, you can research insurers in your area and request quotes from several companies that might fit your situation. Pair price checks with recent customer satisfaction insights (e.g., J.D. Power) and review each insurer\u2019s current <a href=\"https:\/\/content.naic.org\">NAIC complaint index<\/a>.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62c71d7c6d1cb\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I get cheaper car insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Car insurance is a required expense if you register a vehicle in Arkansas, but you can find policies that fit your budget. Shopping around is one of the best ways to find the coverage you need at the best price because every company has its own rating system. This means that the same coverage will vary in price between companies. You can also take advantage of discounts, enroll in telematics programs, and maintain a clean driving record to help keep your rates low. Note that premiums have risen broadly since 2021; the <a href=\"https:\/\/www.bls.gov\/cpi\/factsheets\/motor-vehicle-insurance.htm\">BLS motor vehicle insurance CPI<\/a> shows elevated increases through 2024\u20132025, so re-shop regularly.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62c71d916d1cc\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I get an Arkansas car insurance quote?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>It depends on the insurance company. Many companies offer online quotes, but you can likely call and get a quote by phone. You may be able to visit a local agency as well if your company offers that service. You\u2019ll need the names, dates of birth, and drivers\u2019 license numbers for all the drivers who need to be listed, as well as the years, makes, and models of all the vehicles you need to insure. Having the vehicle identification numbers (VINs) can help ensure your quote is more accurate. Comparing at least three to five quotes and checking usage-based options can help lower your price in 2025.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company to determine top providers.&nbsp;<\/p>\n\n\n\n<p>For pricing context, we referenced 2025 statewide averages and ranges from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> (clean-driver profiles with standardized full coverage). We also used the <a href=\"https:\/\/content.naic.org\">NAIC Auto Insurance Database Report<\/a> for historical benchmarking and the <a href=\"https:\/\/www.bls.gov\/cpi\/factsheets\/motor-vehicle-insurance.htm\">BLS CPI<\/a> for recent inflation context.<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, Bankrate used minimum coverage that meets each state\u2019s requirements. Our base profile drivers own a Toyota Camry, commute five days a week and drive 12,000 miles annually.<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Each state has its own combination of factors that makes finding the best car insurance company a unique experience. Reviews.com studied the Arkansas market using the latest 2025 rate studies and consumer data to help drivers find coverage that fits their needs. Our research highlights what to compare \u2014 price, coverage, satisfaction, and complaints \u2014 [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":358015,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[27908],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Car Insurance Companies in Arkansas | Reviews<\/title>\n<meta name=\"description\" content=\"Arkansas&#039;s auto insurance rates are on the low side \u2014 on average $906 per year, compared to the nationwide average of $1,009.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-arkansas\/\" \/>\n<meta property=\"og:locale\" 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