Actual Yearly Savings
  • Brittany stitch
  • $1800
  • Feb 18, 2017
  • Simon boadi
  • $1440
  • Feb 6, 2017
  • Joshua
  • $1560
  • Jan 18, 2017
  • Vanessa
  • $1404
  • Jan 6, 2017
  • Daniel
  • $600
  • Jan 1, 2017
  • Ariwah
  • $204
  • Dec 30, 2016
  • Aaron
  • $1200
  • Dec 30, 2016
  • Richard
  • $600
  • Dec 29, 2016
  • Jenaye
  • $1800
  • Dec 28, 2016
  • Gerals
  • $3600
  • Dec 27, 2016
  • Boris
  • $600
  • Dec 24, 2016
  • Ahmed
  • $100
  • Dec 18, 2016
  • Patrick
  • $600
  • Dec 17, 2016
  • Matthew gilmore
  • $300
  • Dec 12, 2016
  • Michael desmond
  • $3600
  • Dec 9, 2016
  • Ganesan
  • $100
  • Dec 9, 2016
  • Mamacita
  • $100
  • Dec 8, 2016
  • Nwaigwe
  • $1125
  • Nov 28, 2016
  • Atif ur rehman
  • $360
  • Nov 23, 2016
  • Zack
  • $1920
  • Nov 8, 2016
  • Brandon
  • $1800
  • Oct 2, 2016
  • Alex
  • $198
  • Aug 10, 2016
  • Kylah
  • $2400
  • May 2, 2016
  • Linda
  • $1200
  • Jul 4, 2015
  • Desi
  • $1200
  • Jun 22, 2015
  • Crystal
  • $300
  • Jun 22, 2015
  • Amer
  • $480
  • Jun 5, 2015
  • Jasmine
  • $2400
  • Jun 4, 2015
  • Ted
  • $120
  • May 15, 2015
  • Jeremiah
  • $1200
  • May 13, 2015
  • Cody
  • $1200
  • Apr 28, 2015
  • Arthur
  • $1500
  • Mar 19, 2015
  • Michael
  • $800
  • Mar 4, 2015
  • Babiisasha
  • $910
  • Mar 2, 2015
  • Alex
  • $516
  • Mar 2, 2015
  • Tushar
  • $2400
  • Feb 28, 2015
  • Tim
  • $300
  • Feb 28, 2015
  • Kristina
  • $1200
  • Feb 21, 2015
  • Santos
  • $1000
  • Jan 30, 2015
  • Janine
  • $1200
  • Jan 21, 2015
  • Matt
  • $150
  • Jan 16, 2015
  • Denise
  • $2100
  • Jan 9, 2015
  • Tammie
  • $1800
  • Dec 12, 2014
  • Denise
  • $1800
  • Dec 8, 2014
  • Nidia
  • $960
  • Dec 7, 2014
  • Debora
  • $240
  • Dec 4, 2014
  • Christian
  • $1200
  • Nov 26, 2014
  • Meghan
  • $1080
  • Nov 9, 2014
  • Robert
  • $3000
  • Nov 8, 2014
  • Gary
  • $1000
  • Oct 24, 2014

Our Commitment

We Stand Behind Our Commitment to do our Best to get You the Lowest Rates Online. Getting cheap auto insurance quotes is so easy now.

One Good Reason to Shop With Us

"After being with my insurance company for just shy of 10 years, and after having shopped


at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."


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Cheapest Car Insurance in Arkansas (AR)

With over 600,000 acres of lakes and almost 10,000 miles of rivers and streams, Arkansas attracts sportsmen from all over the United States for its worldclass fishing. From fishing to hiking, the Ozarks and the Oachita mountain ranges offer popular destinations for tourists all year long. The “Natural State” lives up to its nickname with naturally preserved scenic views all across the land. Drivers can visit natural hot springs, snow-capped mountains, raging rivers and even a diamond mine in this Southern state. To keep these drivers protected, has organized all the useful car insurance information in this one, compact list.


Car Insurance Quotes for Arkansas

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Hot Spring$1,260.00$1,054.00$1,287.00$1,216.00$1,325.00
Little River$1,271.00$1,063.00$1,294.00$1,242.00$1,342.00
Saint Francis$1,246.00$1,050.00$1,272.00$1,210.00$1,310.00
Van Buren$1,225.00$1,022.00$1,256.00$1,184.00$1,290.00
Yell$1,197.00$999.00$1,224.00$1,156.00$1,260.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums indicates that although Arkansas’ insurance premiums have been below the national average for many years, its premiums as a percentage of income have been above the average for nearly the same number of years. Currently, the premiums as a percentage of income is above the national average by less than 1 percent.

Drunk Driving Fatalities

The National Highway Traffic Safety Administration revealed that Arkansas’ drunk driving fatalities showed a sharp decline between 2011 to 2013. That changed in 2014 when accidents soared about 3 percent. Still, the state remains below the national average.

Teen Drinking and Driving

Arkansas teens have surpassed the national average in percentage of drinking and driving. The Center for Disease Control records Arkansas at nearly 1 percent higher than the national average.

Vehicular Theft in Arkansas

The national average for car thefts is reported by the FBI as almost 215, while Arkansas comes in much lower. The state continues to experience a downward trend in thefts.


With so many different attractions, Arkansas, like insurance regulations, can be overwhelming. Following is a list of the most important details to remember about Arkansas’ driving laws.

Minimum Requirements for Car Insurance in Arkansas

  • All drivers in Arkansas must be covered by a minimum liability insurance according to the State Insurance Department.
  • Arkansas Liability Coverage minimums include:
    • $25,000 for single-person bodily injury or death coverage.
    • $50,000 for multiple-person bodily injury or death coverage.
    • $25,000 for property-damage liability coverage.
  • Failure to provide proof of insurance can result in suspension of registration and/or drivers license.

New Driver Licensing Requirements

All drivers in Arkansas are required to have a valid drivers license by passing the required tests.

  • Vision Test. The Arkansas Department of Finance and Administration states that applicants must pass the vision test with a visual accuity of 20/40 for a regular license and an accuity of 20/50 for a restricted license.
  • Written Test. Every applicant has access to the Arkansas Driver License Study Guide which must be read in order to successfully pass the written test. The Arkansas State Police administer the test based on the information included in this study guide.
  • Road Test. The road test is administered by the Arkansas State Police. The vehicle used for the test must be properly insured and registered and in safe working order. If the test administrator observes any unsafe behavior, the applicant can be automatically failed. The test evaluates the applicant’s ability in the following areas:
    • Familiarity with vehicle controls
    • Maintianing control of the vehicle
    • Obeying all traffic laws, signs, speed limits, traffic lights, etc.
    • Being aware of surrounding vehicles and traffic
    • Proper adjustment to special driver situations such as construction or school zones
  • Pay a License Fee. Applicants must pay a $20 fee for a regular (class D) driver license.
  • Drivers Under the Age of 18. Applicants between the ages of 14 and under 18 can obtain a restricted license. The Arkansas Driver License Study Guide states that new drivers must obtain a graduated license by applying for an instruction permit. This permit allows an applicant to drive a vehicle only with another licensed driver who is age 21 or older.
    If under 16 years of age, the applicant must pass the vision, knowledge and skills tests to be eligible for the Learner’s License. Applicants under the age of 18 must provide proof of school enrollment with a GPA of at least 2.00. The applicants must also be accompanied to the testing site by a parent or legal guardian.
    Restrictions on a Learner’s License (ages 14-16) include:

    • Seat belts must be worn by all passengers at all times.
    • The driver shall not use, unless in case of emergency, any cell phone or other wireless communication device.
    • A licensed driver who is 21 years of age or older must accompany the driver.


  • BAC limit: .08 Arkansas state law requires a law enforcement officer to issue an Official Driver’s License Receipt and a Notice of Suspension/Revocation of Driving Privileges to a driver upon being stopped for suspicion of DUI/DWI. The driver is informed he/she must request a hearing withing 7 days; however, their license is not immediately suspended or revoked. If at the hearing the driver is determined to have been DUI/DWI, the following penalties can be enforced:
  • First Offense: License suspension of 6 months for DWI and/or 180 days for a Refusal to Test.
  • Second Offense within 5 Years: License suspension of 2 years.
  • Third Offense within 5 Years: License suspension of 30 months.
  • A permanent license revocation occurs after the fourth offense in 5 years. Prior to re-instatement, the driver must pay a $150 fee per offense and complete an approved drug and alcohol treatment plan.
  • In each offense, it is optional for the court to require an ignition interlock system for a required amount of time. The court does not stipulate or limit fees that may be assessed for the violator.

Texting & Driving Laws

According to, Arkansas has banned handheld devices for drivers between the ages of 18 and 20. All bus drivers and novice drivers are banned from using either handheld or hands-free devices. Texting is banned for all drivers.

Unique Laws

It’s hard to find such culture as one finds in the Arkansas town of Little Rock. Such an example would be the standing law that prohibits one from walking their cow down Main Street after 1 p.m. on Sunday. To spread the high standards of culture, Arkansas has declared it illegal to mispronounce the state’s name, exploit a bear or own a dangerous cat. Also, since one may get hungry while driving through the state, it is illegal to suddenly start or stop one’s vehicle while at a McDonald’s restaurant in Little Rock!


State Department of Insurance

Arkansas Insurance Department
1200 W. Third St., Little Rock, AR 72201-1904
Toll free 800-282-9134
or 501-371-2600
Get directions

Department of Transportation

Arkansas State Highway and Transportation Department
10324 Interstate 30
Little Rock, AR 72209
(907) 465-3900
Get directions

Department of Motor Vehicles

Arkansas Department of Finance and Administration
Office of Motor Vehicles
Ragland Building
1900 W. 7th St., Ste. 1100
Little Rock, AR 72201
(501) 682-4692
Get directions

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