Arkansas vs California Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Arkansas is $250/yr cheaper on average.

Fewer Uninsured

California has a lower uninsured rate (15.2% vs 16.6%).

Rate & Coverage Comparison

Attribute	Arkansas	California
Avg Annual Premium	$1,820	$2,070
Min Liability	$590	$680
Full Coverage	$1,820	$2,070
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	16.6%	15.2%
Registered Vehicles	2,469,840	32,421,159
Accidents/Year	37,047	486,317
Population	3,012,000	39,538,000

Minimum Coverage Requirements

Arkansas

25/50 / 25 liability

California

15/30 / 5 liability

Premium Comparison

Arkansas$590 – $1,820

Liability: $590Avg: $1,820Full: $1,820

California$680 – $2,070

Liability: $680Avg: $2,070Full: $2,070

ArkansasFull rates, age breakdown, requirements →CaliforniaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Arkansas or California?

Arkansas has cheaper car insurance, with an average annual premium of $1,820 compared to $2,070 in California - a difference of $250 per year.

How do Arkansas and California compare on fault systems?

Arkansas uses a at-fault (tort) system while California uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Arkansas vs California?

Arkansas requires 25/50 / 25 liability. California requires 15/30 / 5 liability. Minimum liability costs $590/yr in Arkansas and $680/yr in California.

Which state has more uninsured drivers, Arkansas or California?

Arkansas has a higher uninsured driver rate at 16.6%, compared to 15.2% in California. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Arkansas vs California insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Arkansas

California

Avg Annual Premium

$1,820

$2,070

Min Liability

$590

$680

Full Coverage

$1,820

$2,070

Fault System

At-Fault (Tort)

Uninsured Rate

16.6%

15.2%

Registered Vehicles

2,469,840

32,421,159

Accidents/Year

37,047

486,317

Population

3,012,000

39,538,000