Arkansas vs Florida Car Insurance

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

Quick Verdict

More Affordable

Arkansas is $680/yr cheaper on average.

Fewer Uninsured

Arkansas has a lower uninsured rate (16.6% vs 20.4%).

Rate & Coverage Comparison

Attribute	Arkansas	Florida
Avg Annual Premium	$1,820	$2,500
Min Liability	$590	$820
Full Coverage	$1,820	$2,500
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	16.6%	20.4%
Registered Vehicles	2,469,840	17,661,160
Accidents/Year	37,047	264,917
Population	3,012,000	21,538,000

Minimum Coverage Requirements

Arkansas

25/50 / 25 liability

Florida

10/20 / 10 liability

Premium Comparison

Arkansas$590 – $1,820

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

Florida$820 – $2,500

Liability: $820Avg: $2,500Full: $2,500

ArkansasFull rates, age breakdown, requirements →FloridaFull rates, age breakdown, requirements →

📊

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 Florida?

Arkansas has cheaper car insurance, with an average annual premium of $1,820 compared to $2,500 in Florida - a difference of $680 per year.

How do Arkansas and Florida compare on fault systems?

Arkansas uses a at-fault (tort) system while Florida uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Arkansas vs Florida?

Arkansas requires 25/50 / 25 liability. Florida requires 10/20 / 10 liability. Minimum liability costs $590/yr in Arkansas and $820/yr in Florida.

Which state has more uninsured drivers, Arkansas or Florida?

Florida has a higher uninsured driver rate at 20.4%, compared to 16.6% in Arkansas. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Arkansas vs Florida 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.

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity

Attribute

Arkansas

Florida

Avg Annual Premium

$1,820

$2,500

Min Liability

$590

$820

Full Coverage

$1,820

$2,500

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

16.6%

20.4%

Registered Vehicles

2,469,840

17,661,160

Accidents/Year

37,047

264,917

Population

3,012,000

21,538,000