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Cheapest Car Insurance in Arkansas

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.


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 acuity of 20/40 for a regular license and an acuity 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
    • Maintaining 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 within 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!


Best Cheap Car Insurance Quotes for Arkansas

Pulaski County Car Insurance

Located in the center of Arkansas, Pulaski County is the state's most populous. The county seat, Little Rock, is also the state capital, named for a rock formation along the Arkansas River that flows through it. Interstate 30 and Interstate 40 meet in Little Rock, home to more than 392,000.

The "Big Dam Bridge " is the longest pedestrian bridge never used by traffic in North America, spanning 4,226 feet. Little Rock's infamous Central High School is still holding classes and not open to tourists, but a museum chronicling desegregation is nearby. Pulaski County's Willow Springs Water Park is one of the oldest in the U.S., built in 1928.

County Sedan Suv Coupe Truck Hybrid

Benton County Car Insurance

The northwest tip of Arkansas, Benton County is adjacent to both Oklahoma and Missouri. The county seat, Bentonville, serves as headquarters of Walmart, the world's largest retailer. It is home to the Walmart Visitor's Center located in founder Sam Walton's first five and dime store downtown.

Bentonville is also home to the Crystal Briges Museum of American Art, featuring works by Jackson Pollock, Andy Warhol, Georgia O'Keeffe and John Baldessari. The fast-growing town of Rogers serves as the headquarters for Daisy Outdoor Products, and the Air Rifle Museum is open to visitors.

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Washington County Car Insurance

Named for George Washington, Washington County in northwest Arkansas lies among the Ozark Mountains, home to Devil's Den State Park. The county seat is Fayetteville, site of the University of Arkansas, founded in 1871 and the state's largest university.

The Northwest Arkansas Razorback Greenway is a 36-mile hike and bike trail through the Ozark Plateau from Fayetteville to the Bella Vista trail in north Bentonville. The trail passes through limestone formations, wooded areas and meadows.

County Sedan Suv Coupe Truck Hybrid

Sebastian County Car Insurance

Located in west Arkansas at the Oklahoma border, Sebastian County has two recognized county seats, Greenwood for the southern district and Fort Smith for the northern district. The second smallest county in the state by area, it is home to approximately 126,000 residents.

The county's largest city, Fort Smith began as a western frontier military post in 1817 and is now a regional manufacturing center. Eight large murals in its downtown are the result of what is called the "Unexpected Project," during which street artists held a Festival of Murals over a 9-day period. A unique points of interest is the Chaffee Barbershop Museum, the spot where Elvis Presley received his first Army buzz cut.

County Sedan Suv Coupe Truck Hybrid

Faulkner County Car Insurance

Northwest of Little Rock on Interstate 40, Faulkner County lies in central Arkansas where the Ozarks meet the Arkansas River Valley. The river forms part of the county's southwestern border. Once sparsely populated, the county now is made up of bedroom suburban communities of the state capital.

The county seat and largest city, Conway maintains its own economic center and entertainment and arts scene, due to a cluster of high-tech companies located there. The first week of May brings Toad Suck Daze, one of the area's largest annual events, held since 1982. Faulkner County encompasses a total of seven cities, five towns and numerous townships and communities. Once a French trading post, Cadron Settlement Park offers a scenic view of the Arkansas River.

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Saline County Car Insurance

Just southwest of Little Rock on Interstate 30, Saline County stretches to encompass an eastern section of the Ouachita National Forest to small portion of Interstate 530 due south of the state capital. Named for the salt water springs found there, the county of Saline is pronounced with the emphasis on the second syllable.

Benton, the county seat and largest city, was the location for many of the scenes in "Sling Blade," a 1996 film written and directed by Arkansas native Billy Bob Thornton. Located in Benton and built in 1896, the Gann Museum of Saline County is the only structure in the world constructed of bauxite aluminum.

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Craighead County Car Insurance

Located in northeast Arkansas, Craighead County is home to an estimated 100,000 residents. There are two recognized county seats: Jonesboro, home of Arkansas State University, and Lake City, a smaller town 16 miles away.

Partially within the county is Crowley's Ridge, an unusual geological formation up to 550 feet in height. Forrest Wood Crowley's Ridge Nature Center has a wildlife viewing area with a three-story educational exhibit. The Bradbury Art Museum in Jonesboro hosts the Delta National Small Prints Exhibition annually.

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Garland County Car Insurance

In the heart of the Ouachita Mountains, Garland County is the site of the first federal Indian reservation that later became Hot Springs National Park. The county seat is Hot Springs, once frequented by the native inhabitants for the healing powers of the springs and a popular tourist destination today.

Hot Springs has long drawn visitors in search of healing waters, and among them were baseball greats such as Babe Ruth, Hank Aaron, Mickey Mantle and Joe DiMaggio. Thus, Hot Springs established a Historic Baseball Trail to spotlight its role in sports history. The first Friday of each month in Hot Springs is a Gallery Walk, offering refreshments and talks with artists.

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White County Car Insurance

Northeast of Little Rock in central Arkansas, White County is home to more than 77,000. Its seat and largest city is Searcy, a town of about 24,000 on the Little Red River.

Held since 1930, the White County Fair is the largest county fair in the state, drawing more than 50,000 annually. A restored 11870s Italianate house is now the Searcy Art Gallery, and the White County Courthouse is the oldest functioning courthouse in the state. Popular among outdoor enthusiasts is the Little Red river, and crowds are reportedly thinner in the White County section.

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Jefferson County Car Insurance

Southeast of Little Rock in the Arkansas Delta, Jefferson County centers around the City of Pine Bluff on either side of the Arkansas River that was critical to its early development. Pine Bluff is the seat and largest city, home to about 48,000 residents.

An agricultural area, Jefferson County's main industries include cotton, soybeans, cattle, poultry and timber. The Arkansas Railroad Museum in is housed in a former 1890s-era engine shed, and features the last locomotive built in Arkansas, St. Louis Southwestern Engine No. 819. Pine Bluff is home to a rare "single-arch" McDonald's restaurant sign circa 1962, which was added to the National Register of Historic Places in 2006.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Hot Spring$945.00$760.00$994.00$797.00$935.00
Little River$981.00$780.00$1,032.00$819.00$970.00
Saint Francis$964.00$774.00$1,013.00$811.00$954.00
Van Buren$940.00$750.00$989.00$787.00$930.00
Yell$855.00$679.00$903.00$715.00$845.00 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, accidents, 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’ auto 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, auto insurance 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.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversGeico
Drivers with poor creditGeico
Retired driversUSAA


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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