Arkansas Auto Insurance Rates
Median premium: $692/6mo across 10 carriers and 706 ZIP codes.
Premiums range from $413 to $2,677 — a 6.5x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$692
per 6 months
ZIP Codes
706
with rate data
Carriers
10
rated in AR
Price Spread
6.5x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | Allstate | $415 | 706 ZIPs | 100% | |
| 2 | USAA | $444 | 0 ZIPs | 0% | |
| 3 | Shelter Insurance | $609 | 0 ZIPs | 0% | |
| 4 | Progressive | $636 | 0 ZIPs | 0% | |
| 5 | State Farm | $637 | 0 ZIPs | 0% | |
| 6 | Farmers | $748 | 0 ZIPs | 0% | |
| 7 | Nationwide | $761 | 0 ZIPs | 0% | |
| 8 | Travelers | $775 | 0 ZIPs | 0% | |
| 9 | Liberty Mutual | $796 | 0 ZIPs | 0% | |
| 10 | GEICO | $1,491 | 0 ZIPs | 0% |
1
$415Allstate#1 in 706 ZIPs (100%)
2
$444USAA#1 in 0 ZIPs (0%)
3
$609Shelter Insurance#1 in 0 ZIPs (0%)
4
$636Progressive#1 in 0 ZIPs (0%)
5
$637State Farm#1 in 0 ZIPs (0%)
6
$748Farmers#1 in 0 ZIPs (0%)
7
$761Nationwide#1 in 0 ZIPs (0%)
8
$775Travelers#1 in 0 ZIPs (0%)
9
$796Liberty Mutual#1 in 0 ZIPs (0%)
10
$1,491GEICO#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Arkansas
| City | Avg Median | ZIPs |
|---|---|---|
| Belleville | $413 | 1 |
| Bluffton | $413 | 1 |
| Briggsville | $413 | 1 |
| Danville | $413 | 1 |
| Gravelly | $413 | 1 |
Most Expensive Cities in Arkansas
| City | Avg Median | ZIPs |
|---|---|---|
| Hot Springs National Park | $1,034 | 5 |
| Pine Bluff | $1,005 | 4 |
| Hot Springs Village | $1,001 | 2 |
| White Hall | $996 | 2 |
| Little Rock | $995 | 25 |
ZIP Code Extremes
Most Expensive ZIP
$1,243/6mo
72654 (Mountain Home)
Cheapest ZIP
$413/6mo
72824 (Belleville)
6.5x
Price Spread
The most expensive ZIP in Arkansas costs 6.5x more than the cheapest. Your ZIP code matters more than you think.
Arkansas Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Arkansas
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Access ZIP-level rate data across all 10 carriers, 706 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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