Car insurance in Arkansas is cheaper than most states.

The average driver here pays $1,297/year — 10% below the national average, and higher than 28 of 50 other states.

$1,297

avg full coverage
per year

All 51 states by costYou're here ↓

$926 · Maine$1,994 · Florida

● Arkansas is in the 55th percentile nationally

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$1,297 /yr

Arkansas average · full coverage · clean record

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What affects your rate in Arkansas

Arkansas's average premium is 10% below the national average of $1,438, ranking #23 of 51 states by cost. NAIC cautions that state-to-state comparisons reflect differing coverage mixes, urban density and required coverages, not just carrier pricing.

How Arkansas compares

Average full-coverage premium per year
Benchmark	Per year
Arkansas	$1,297
National average	$1,438
Most expensive — Florida	$1,994
Cheapest — Maine	$926

Source: NAIC 2022/2023 Auto Insurance Database Report (combined average premium per insured vehicle, 2023 data, released February 2026).

About this estimate. The base figure is the NAIC combined average premium for Arkansas (liability + collision + comprehensive, 2023). The calculator applies published industry multipliers (age, credit, record, coverage) from secondary sources (Bankrate / ValuePenguin modeled rates) and is an estimate for informational purposes only — not an insurance quote or offer. Credit-tier adjustments are not applied in states that ban credit-based insurance scoring (California, Hawaii, Massachusetts, Michigan).