Cheapest Liability Car Insurance In Arkansas 2026

State Farm generally ranks as the best overall choice for cheap liability car insurance in Arkansas. However, your specific driving profile might make another company a better fit.

USAA offers the lowest liability-only rates for military members. It is also the most affordable option for seniors and drivers who have caused an accident. Young adults usually find the best deals with State Farm. Meanwhile, Farm Bureau provides the cheapest coverage for teen drivers and those with a DUI on their record.

Cheapest Liability Car Insurance In Arkansas: USAA

USAA offers the lowest price for minimum coverage car insurance in Arkansas, with an average monthly payment of $31.

This is helpful for residents in cities like Little Rock, Jonesboro, and Fort Smith, where living costs can be high. Choosing an affordable liability plan lets you stay protected on the road without breaking the bank.

*Military Only

Cheapest Liability-Only Car Insurance In Arkansas For Teens: Farm Bureau

Farm Bureau offers the most affordable rates for Arkansas teens, with monthly payments averaging $128.

Securing affordable liability coverage is vital for this age group because inexperienced drivers often face significantly higher costs. Insurers see young motorists as a greater risk. This often results in expensive premiums that can put a serious strain on a family’s budget.

*Military Only

Cheapest Liability-Only Car Insurance In Arkansas For Young Adults: State Farm

State Farm is usually the best option for young adults in Arkansas, with average rates starting around $76 per month.

Finding a low price is vital for young adults who are working toward financial freedom. Many are already juggling costs like rent and student loans. Choosing basic liability coverage meets the legal requirement and helps avoid the heavy expense of a full coverage plan.

Cheapest Liability-Only Car Insurance In Arkansas For Seniors: USAA

USAA offers the most affordable liability coverage for Arkansas seniors at roughly $29 per month.

Keeping insurance costs low is vital for retirees living on a fixed income. A cheaper policy allows older drivers to stay legal on the road without stretching their retirement funds too thin.

*Military Only

Cheapest Liability Car Insurance In Arkansas For Military Members: USAA

USAA is the cheapest option for military members in Arkansas, with liability policies averaging just $28 per month.

Finding a low rate is especially helpful for service families who often deal with the costs of moving and deployments. Basic liability coverage meets state legal requirements and helps keep monthly expenses down.

*Military Only

Cheapest Liability Car Insurance In Arkansas After An Accident: USAA

USAA offers the lowest rates for Arkansas drivers after an accident, with an average monthly cost of $43.

Finding affordable liability coverage is vital because premiums typically increase after a crash. If you were at fault, switching to a cheaper liability plan can help balance out those higher costs.

*Military Only

Cheapest Liability-Only Car Insurance In Arkansas After A DUI: Farm Bureau

Farm Bureau is the most affordable option for Arkansas drivers with a DUI. You can find policies starting at $46 per month.

A DUI conviction usually leads to much higher insurance rates because you are seen as a high-risk driver. Switching to a cheaper liability plan can help you manage these rising costs.

*Military Only

How To Get Cheaper Liability-Only Insurance

Lowering the cost of liability-only car insurance in Arkansas is very doable if you take a smart, practical approach. A few small choices can make a noticeable difference in what you pay.

Start by comparing quotes from several insurance companies. Prices can vary a lot because insurers calculate risk in different ways. Checking multiple quotes gives you a clearer picture of who offers the best value. An independent insurance agent can also help since they work with more than one provider and can point you toward cheaper options.

Next, take advantage of available discounts. Many insurers reduce rates for safe drivers, policy bundling, or having a strong credit history. If you do not drive often, you may also qualify for a low-mileage discount. Fewer miles usually mean lower risk, which can lead to lower premiums.

Raising your deductible is another way to cut costs. This means you will pay more if you file a claim, but your monthly premium will likely drop. You can also choose the minimum liability coverage required by Arkansas law to keep prices down, as long as it still meets your personal needs.

Keeping a clean driving record is one of the most effective long-term strategies. Avoiding tickets and accidents helps prevent rate increases. If your premiums are still high, completing a defensive driving course may help. Some insurers offer discounts for drivers who finish approved programs. By using these steps together, you can find affordable liability-only car insurance without giving up essential coverage.

How Much Liability Coverage Does Arkansas Require?

If you want to drive legally in Arkansas, you must carry a specific amount of liability insurance. This type of policy does not pay to fix your own car. Instead, it covers the medical bills and property repairs for others if you cause a crash.

The state enforces a “25/50/25” rule. This means your policy must include at least the following limits:

• $25,000 for bodily injury per person: This covers medical costs for a single person injured in an accident you cause.
• $50,000 for bodily injury per accident: This is the total amount your insurer will pay for injuries if multiple people are hurt in one incident.
• $25,000 for property damage: This pays to repair or replace the other driver’s vehicle or other property, such as a fence or mailbox.

You must keep this coverage active at all times to drive on public roads. While buying the state minimum is the best way to get the cheapest rate, it comes with a risk. These limits might run out quickly in a severe accident. If the costs go over your limits, you will have to pay the rest out of your own pocket.

Should You Get Liability-Only Insurance?

Whether liability-only car insurance makes sense depends on your budget, how you drive, and what your car is actually worth. This type of policy only pays for damage or injuries you cause to others. It does not cover repairs to your own vehicle after an accident.

Liability-only coverage often works best for drivers with older cars that are already paid off. If your vehicle has a low market value, paying extra each month for full coverage may not be worth it. In many cases, the annual cost of full coverage can come close to the car’s value. If you can afford to fix or replace your vehicle on your own, liability-only insurance can be a cheaper option.

Your driving patterns matter too. Drivers with clean records and cautious habits may feel comfortable taking on more risk to save money. On the other hand, if you spend a lot of time on busy Arkansas roads or commute long distances, the chance of an accident is higher. In that case, the savings from liability-only coverage may not outweigh the potential costs.

It also comes down to financial stability. If paying for repairs after an accident would be a serious burden, full coverage can provide peace of mind. If keeping monthly insurance costs low is a priority and you are comfortable with more risk, liability-only insurance may be the better fit. The right choice balances cost, risk, and your ability to handle unexpected expenses.

Cheapest Car Insurance In Different Cities In Arkansas

Compare The Cost Of Liability Car Insurance To Other States

The cost of liability insurance changes drastically depending on where you live. Local laws, traffic risks, and even regional weather patterns all play a role in setting these prices. This creates a wide gap between the most and least expensive places to drive.

For example, South Dakota currently has the lowest rates in the nation. Drivers there pay an average of just $29 per month. On the other end of the scale is Michigan. Motorists there face the highest average cost at $154 per month.

The table below lists the average monthly premium for liability coverage in every state.