Cheapest Auto Insurance in Benton, Arkansas (2025)

Liability car insurance rates in Benton start at $31 per month from State Farm.

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Cheapest recent rates near Benton, Arkansas

Recent Benton, Arkansas car insurance prices for Honda, Chrysler, Ford , and more.

*Quotes generated for Insurify users in and around Benton, Arkansas within the last 10 days. Last updated on April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Benton, Arkansas within the last 10 days. Last updated on April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
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  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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At an average of $196 per month, car insurance in Benton isn’t just a bill — it can be a significant slice of your budget. The cost is more than the national average of $150 per month.

But these high rates aren’t exclusive to Benton and are due, in part, to Arkansas’ alarmingly high traffic fatality rate, according to the Insurance Institute for Highway Safety (IIHS).[1] This, combined with frequent weather-related claims, bumps rates above the norm.

Fortunately, you can save money on your monthly car insurance premiums in Benton by comparing quotes from several companies.

Quick Facts
  • State Farm, USAA, and GEICO offer the cheapest car insurance rates in Benton.

  • Benton drivers pay $134 per month for liability coverage and $258 per month for full-coverage insurance, on average.

  • Full-coverage insurance costs Benton drivers an average of $3,095 per year.

3 of the cheapest car insurance companies in Benton

Insurify data points to three insurers as the most budget-friendly options in Benton. Remember that the right coverage for you may differ from these insurers. But as you begin your search, keep these companies in mind.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best for
sort ascsort desc
State Farm9.3$56$30Low rates
USAA9.4$69$37Military members
GEICO9.0$85$46Families
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for low rates: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$31/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$59/mo
4.2
Best choiceBased on 10,457 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,758)

Alan

April 14, 2025

Verified Review

Service Down, Rates Up!

The rates have skyrocketed! I've had State Farm insurance since 1978, and I can say that the rates I pay do not match the service I receive. They seem unwilling to cover anything reasonable.

Jay

April 14, 2025

Verified Review

Good

Other than the price increases, they have been exceptional.

William

April 14, 2025

Verified Review

Consider Alternatives to State Farm for Better Rates

You should check rates elsewhere. State Farm seems to be overpriced and overrated.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm tops Insurify’s list for Benton drivers looking for the most affordable car insurance. It offers some of the lowest average rates in the area. Policyholders also have access to numerous discounts, opening up more ways to save without sacrificing quality coverage. Benton also has four State Farm agents for personalized service.

Pros
  • Good discounts for student and teen drivers

  • Above-average J.D. Power customer service rating in the Central region[2]

  • Below-average complaint index rating from the National Association of Insurance Commissioners (NAIC)[3]

Cons
  • Can’t get a policy online

  • Doesn’t offer gap insurance

  • May charge higher rates for drivers with poor credit

Best insurer for military members: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$39/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$72/mo
4.9
Best choiceBased on 1,913 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,112)

Alan

April 14, 2025

Verified Review

Time for a Change

Great experience.

William

April 14, 2025

Verified Review

Too Expensive for Me

I drive about 800-900 miles a month and I have to look for a different company for better rates. I believe that I have found a better deal at half the price.

Linda

April 14, 2025

Verified Review

Excellent Customer Service

My experience was excellent; all my questions were answered.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA stands out as the best choice for Benton’s military community. In Arkansas, veterans make up nearly 10% of the state’s adult population, and a large portion of them make their home in Benton.[4] Policyholders can cut costs with discounts for living on base and being a safe driver, as well as save up to 60% for storing vehicles during deployment.

Pros
  • Highly rated by J.D. Power for customer service and claims satisfaction[5]

  • Offers home, renters, life, and pet insurance policies

  • Provides roadside assistance even if policy doesn’t include coverage

Cons
  • Available only to military members and their families

  • Above-average NAIC complaint index[3]

  • No local office in Benton

Best insurer for families: GEICO

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$47/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$89/mo
4.0
Best choiceBased on 11,386 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,230)

Mel

April 14, 2025

Verified Review

Ratings

So far, so good.

Johnny

April 14, 2025

Verified Review

No Communication

Very poor customer service. They are not open with their customers. No explanations. I would never apply to Geico again or recommend them!

James

April 14, 2025

Verified Review

Unsatisfactory experience with GEICO

They raised my rates without any prior notification or explanation.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO is a great choice for families in Benton, Arkansas. The business offers a variety of discounts, including savings of up to 15% for good students, 25% for insuring more than one car, and options to lower costs for taking driver training and practicing safe driving habits. This makes GEICO a go-to option for the 76,764 drivers younger than 20 in Arkansas.

You can personalize coverage with products like emergency road service and mechanical breakdown insurance. But personalized help is hard to find — the closest GEICO insurance agent is in Little Rock.

Pros
  • Highly rated mobile app for Android and Apple[6]

  • Below-average NAIC complaint index[3]

  • Homeowners insurance and umbrella policies available for more protection

Cons
  • No local agents in Benton

  • Good driver discount requires five years accident-free

  • Gap insurance not available

How to get the cheapest car insurance in Benton

Insurers consider your driving history, vehicle type, gender, marital status, and even your credit history when quoting your coverage. Some of these factors are outside of your control, but you can lower your car insurance rates by following these tips:

  • Don’t just take the first quote you receive. Shop around and compare quotes from different insurance companies to find the best rate for you.

  • Boost your deductible. Policy changes to increase your deductible can lower your premiums, but be sure your deductible is an amount you can comfortably pay in case you need to file a claim.

  • Personalize your policy. Only buy coverage that fits your specific needs rather than paying for a “one-size-fits-all” policy.

  • Ask for discounts. Explore all available discounts from your insurer. For instance, Arkansas requires discounts to be available for college graduates, people older than 55, and people who take defensive driver courses.

  • Stay safe behind the wheel. A clean driving record can lead to lower rates, protecting you on the road and protecting your finances.

Find Cheap Car Insurance in Benton, Arkansas

Liability rates start at $31 per month

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Based on 3,806+ reviews
4.8/5
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ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Benton: State Farm

Liability-only car insurance is the most basic form of auto coverage. It protects other drivers and their property if you’re at fault in an accident, paying for the cost of injuries or damages you cause. It’s important to note that liability-only insurance doesn’t cover damage to your own car or medical expenses if you’re hurt. It also doesn’t cover the costs associated with theft, vandalism, or natural disasters.

With an average cost of $134 per month, liability coverage is a cost-effective option for Benton drivers, and the table below shows Benton’s cheapest options for liability insurance.

The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$31
USAA$39
GEICO$47
Auto-Owners$53
Shelter$69
Allstate$70
Nationwide$71
Farmers$71
Travelers$74
Root$74
Progressive$75
Safeco$96
GAINSCO$102
National General$103
Dairyland$108
The General$137
Bristol West$149
Liberty Mutual$155
Direct Auto$201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Benton: State Farm

Full coverage bridges the gap where liability coverage stops short. A full-coverage policy includes collision and comprehensive insurance, protecting your vehicle from collisions with other cars, vandalism, theft, natural disasters, and more.

This type of coverage is especially beneficial for drivers with newer or higher-value cars, people with outstanding auto loans, or anyone looking for extra peace of mind on the road.

With an average premium of $258, full coverage is pricier than liability. But rates can vary by insurance agency, as you’ll see in the table below.

The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$59
USAA$72
GEICO$89
Auto-Owners$100
Shelter$130
Allstate$131
Nationwide$132
Farmers$132
Root$133
Travelers$140
Progressive$141
National General$178
Safeco$180
GAINSCO$230
Dairyland$272
The General$291
Liberty Mutual$299
Bristol West$384
Direct Auto$459
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Benton, Arkansas

Recent Benton, Arkansas car insurance prices for Hyundai, Honda, Chrysler , and more.

*Quotes generated for Insurify users in and around Benton, Arkansas within the last 10 days. Last updated on April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Benton, Arkansas within the last 10 days. Last updated on April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Arkansas

Arkansas laws have a few specific rules you should know about. First, if you’re in a car accident, you have a three-year window to file a lawsuit for any injuries you might have from it.[7] The state also has a “modified comparative fault” rule. This means you can get financial recovery in a lawsuit if you’re less at fault than the other driver.

To drive legally, you must carry a minimum amount of auto insurance coverage. Arkansas requires a 25/50/25 policy for bodily injury and property damage liability, as outlined in the table below:[8]

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000

While basic insurance covers the essentials, several coverage options are available that offer additional layers of protection. Here are some you might consider:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage provides protection if you’re in an accident with a driver who either lacks insurance or doesn’t have enough coverage.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays for damages to your car resulting from an accident with another vehicle, no matter who’s at fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance offers financial protection against non-collision incidents like theft, vandalism, or natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage pays for medical or funeral expenses from an accident, regardless of who’s at fault.

  • illustration card https://a.storyblok.com/f/162273/150x150/a6cd5b8958/banking-96x96-green_036-piggy-bank.svg

    Personal injury protection (PIP) coverage

    Personal injury protection insurance covers medical expenses and sometimes lost wages and other damages.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    Rental car coverage helps pay for the expense of renting a car while yours is in the shop after a covered accident.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance coverage provides services like towing and flat-tire changes if your car breaks down.

Cheapest car insurance for drivers with an incident

If you have an incident on your record, such as an at-fault accident, speeding ticket, driving under the influence citation, or another moving violation, finding cheap car insurance can be more difficult.

Auto insurance companies use your driving history to gauge how likely you are to file a claim in the future, and incidents generally suggest a higher probability of your filing future claims. But it’s possible to find reasonable rates, even with a blemished driving record.

The table below illustrates how different driving incidents can affect the rates you pay in Benton.

The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
With At-Fault Accident
sort ascsort desc
With DUI
sort ascsort desc
State Farm$31$41$43$52
USAA$39$52$54$65
GEICO$47$63$65$78
Auto-Owners$53$72$74$88
Shelter$69$96$102$106
Allstate$70$93$97$116
Nationwide$71$95$99$118
Farmers$71$95$99$118
Travelers$74$99$103$123
Root$74$107$111$113
Progressive$75$100$106$125
Safeco$96$131$138$157
GAINSCO$102$144$137$170
National General$103$137$141$171
Dairyland$108$143$149$180
The General$137$189$195$228
Bristol West$149$201$207$248
Liberty Mutual$155$219$227$258
Direct Auto$201$269$286$334
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Car insurance costs can vary widely by age. For instance, teen drivers pay steeper premiums due to their lack of driving experience and higher risk of accidents. As drivers mature, rates tend to decrease. 

A significant drop happens around age 35, but rates typically climb again for drivers age 70 and older. Senior drivers have a higher crash death rate, according to the Centers for Disease Control and Prevention (CDC).[9]

To get an idea of how car insurance costs can change as you age, consider the data below.

Age
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Teens$456
20s$304
30s$223
40s$198
50s$172
60s$159
70s$177
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Benton, AR

Check quotes from 100+ top insurance companies

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Benton car insurance quotes by credit tier

Your credit history can influence how much you pay for auto insurance. Insurers are allowed to consider your credit history when deciding to issue or renew a policy, as well as how much to charge. The Federal Fair Credit Reporting Act even lets insurers review your credit history without your permission.

Companies link credit scores to the likelihood of filing claims. As a result, higher credit scores can lead to lower premiums, while poor credit scores can hike up your car insurance bill. The table below shows what you might pay based on your credit tier in Benton.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Benton car insurance FAQs

Looking for more information to help you find the most affordable rates in Benton? Consult the answers below.

  • How much is car insurance in Benton?

    The average rate for liability car insurance in Benton is $134, and the average rate for full-coverage car insurance is $258. Keep in mind your rates may be higher or lower based on your driving history, credit, gender, age, and more.

  • Which company has the cheapest car insurance in Benton?

    State Farm offers the cheapest rates in Benton, starting at $31 per month. USAA and GEICO also offer affordable coverage, with respective monthly liability rates of $39 and $47.

  • What are the best car insurance companies in Benton?

    State Farm, USAA, and GEICO rank as three of the top insurers in Benton. Each of these national insurers is known for its financial stability, customer service, low rates, and discounts.

    Keep in mind the best insurer in Benton for you may be another company. That’s why it’s important to compare quotes from several insurers to find the best policy for you.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. IIHS. "Fatality Facts 2021 State by state."
  2. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
  3. NAIC. "Results by Complaint Index."
  4. State of Arkansas House of Representatives. "Veterans in Arkansas."
  5. J.D. Power. "Auto Insurers Manage Customer Expectations as Repair Cycle Times Double in Two Years, J.D. Power Finds."
  6. Google Play. "GEICO Mobile."
  7. NOLO. "Arkansas Car Accident Laws."
  8. Arkansas Insurance Department. "Consumers FAQ."
  9. CDC. "Older Adult Drivers."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Amy has been a contributor at Insurify since September 2023.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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