Car Insurance After an Accident in Arkansas: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Arkansas increases insurance by 41%, raising full coverage from $1,944/year to $2,741/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$162/mo
After At-Fault Accident (+41%)
$228/mo
Cheapest Companies After Accident in Arkansas
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $169/mo | $2,028/yr | Military families |
| Erie Insurance | $180/mo | $2,165/yr | Rate lock guarantee |
| GEICO | $187/mo | $2,248/yr | Clean driving record |
| Progressive | $201/mo | $2,412/yr | Telematics savings |
| State Farm | $208/mo | $2,494/yr | Good students |
| Travelers | $217/mo | $2,604/yr | Multiple discounts |
| Nationwide | $238/mo | $2,851/yr | Bundling home + auto |
| Farmers | $247/mo | $2,960/yr | Signal telematics |
| Allstate | $256/mo | $3,070/yr | Accident forgiveness |
| Liberty Mutual | $270/mo | $3,234/yr | New car replacement |
USAACheapest
Monthly
$169/mo
Annual
$2,028/yr
Best for: Military families
Erie Insurance
Monthly
$180/mo
Annual
$2,165/yr
Best for: Rate lock guarantee
GEICO
Monthly
$187/mo
Annual
$2,248/yr
Best for: Clean driving record
Progressive
Monthly
$201/mo
Annual
$2,412/yr
Best for: Telematics savings
State Farm
Monthly
$208/mo
Annual
$2,494/yr
Best for: Good students
Travelers
Monthly
$217/mo
Annual
$2,604/yr
Best for: Multiple discounts
Nationwide
Monthly
$238/mo
Annual
$2,851/yr
Best for: Bundling home + auto
Farmers
Monthly
$247/mo
Annual
$2,960/yr
Best for: Signal telematics
Allstate
Monthly
$256/mo
Annual
$3,070/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$270/mo
Annual
$3,234/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses