Cheap Car Insurance in Arkansas
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Arkansas Car Insurance Minimums
Arkansas requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$25,000
At-fault (tort) state.
Source: Ark. Code § 23-89-203 (rejection of first-party coverage); Ark. Code § 23-89-403 (UM bodily injury); Ark. Code § 27-22-104 (mandatory liability), verified 2026-09-01.
What drives car insurance rates in Arkansas
Average spend per insured vehicle, 2023
$1,051
Arkansas drivers spent $1,051 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
77.4¢
Auto insurers in Arkansas paid 77.4 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.53
Arkansas recorded 603 traffic deaths in 2024, 1.53 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
141.3
Arkansas reported 4,400 motor vehicle thefts in 2025, 141.3 per 100,000 residents, from 176.8 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#29
FEMA ranks Arkansas #29 of 51 for expected annual loss from natural hazards; flood accounts for 35% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Arkansas
The ten insurer groups that wrote the most auto premium in Arkansas in 2025, with their share of the state total of $3.2 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 25.24% | $804 million |
| 2 | Progressive Group | 16.22% | $517 million |
| 3 | Southern Farm Bureau Casualty Group | 11.8% | $376 million |
| 4 | Allstate Insurance Group | 10.03% | $319 million |
| 5 | Shelter Insurance Group | 9.32% | $297 million |
| 6 | Berkshire Hathaway Group | 5.48% | $175 million |
| 7 | United Services Automobile Association Group | 4.76% | $152 million |
| 8 | Farmers Insurance Group | 2.8% | $89 million |
| 9 | Alfa Insurance Group | 2.46% | $78 million |
| 10 | Liberty Mutual Group | 2.13% | $68 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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