Full Coverage Car Insurance in Arkansas
Numbers refreshed
Based on Arkansas averages, the price covers liability, collision and non-collision damage coverage together.
- Full coverage costs $122 a month on average.
- Minimum liability limits are 25/50/25.
- By cost, it ranks 21st among 51 states (1st = highest).
How much full coverage costs in Arkansas
Full coverage includes liability plus collision and non-collision damage coverage. For Arkansas drivers, liability averages $586 a year, and the other two parts add $879 a year.
| Coverage in Arkansas | Per year | Per month |
|---|---|---|
| Liability | $586 | $49 |
| Collision | $508 | $42 |
| Comprehensive | $371 | $31 |
| Full coverage (all three) | $1,465 | $122 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The point where full coverage stops paying off
If you still owe money for the car, lenders and lease companies require full coverage.
After the car is paid off, weigh what it's worth against $879 a year for the extra cover. Liability only usually comes out ahead when a single bad year of premiums would pay for most of the car.
Full coverage, car by car, in Arkansas
Based on IIHS-HLDI loss results, these estimates are for an adult with a clean record. Of the 40 models we price, these are the least and most expensive:
| Car | Per year | Per month |
|---|---|---|
| Honda CR-V | $948 | $79 |
| Honda Pilot | $966 | $81 |
| Subaru Outback | $1,030 | $86 |
| Toyota RAV4 | $1,082 | $90 |
| Mercedes-Benz C-Class | $2,050 | $171 |
| Chevrolet Camaro | $2,424 | $202 |
| Dodge Charger | $2,543 | $212 |
| Dodge Challenger | $2,761 | $230 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
Learn more about car insurance in Arkansas
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