Arkansas auto insurance averages - $1,050.78 per year in 2023, ranked #33 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Arkansas's 2019-2023 expenditure path rose on this NAIC series; averages reflect purchased coverage mix, not a binder price.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,050.78 ▲13.4% | $538 |
| 2022 | $926.55 ▲4.4% | $483 |
| 2021 | $887.50 ▲1.2% | $467 |
| 2020 | $876.72 ▼2.6% | $467 |
| 2019 | $900.36 | $485 |
Evidence lead: Year-by-year shape
Arkansas's strongest visible signal here is its 2019-2023 expenditure path. The cards below separate that change from level, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Year-by-year shape
Arkansas's only decline is a shallow -2.6% in 2020 — small enough that the five-year climb barely registers it. The largest annual movement is instead the 2023 reading at +13.4%, and the latest step is +13.4%. This is a rising series with one flat spot, not a genuine reversal.
2023 cost position
At $1,050.78, Arkansas ranks #33 of 51 by 2023 average expenditure. That puts the state in the lower-cost portion of this particular NAIC measure. The ordering is comparative only; it does not control for driver history, limits, deductibles, vehicle choice, or the share of residents purchasing optional coverages.
Coverage-component signature
Arkansas's most distinctive 2023 component is liability: $538.00, or 19.2% below the 51-jurisdiction average of $666.04. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Five-year movement
Arkansas's +16.7% endpoint change ranks #29 of 51. Its five-year movement is neither in the fastest nor slowest cohort in this release. This percentile-like position compares the same 2019 and 2023 expenditure fields for every jurisdiction rather than mixing carrier quotes or incompatible policy profiles.
Broad registry context
The companion registry spans 62 companies and 9,663 complaint records for Arkansas. Those counts rank #4 and #4 of 51, placing this lookup in the broadest coverage tier. Its scale supports a wide company comparison, but raw complaint volume is not a complaint rate and cannot explain the auto-expenditure result.
Nearest expenditure peers. By average expenditure, Arkansas's closest peers in this dataset are Tennessee ($1,049.83) and Kentucky ($1,045.66), both within a few dollars of Arkansas's own $1,050.78.
Note on state comparisons: These averages reflect the mix of coverages purchased in Arkansas, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
