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Cheap Auto Insurance Quotes in Jacksonville, AR (August 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Little Rock is the capital and largest city in Arkansas—but you can’t forget about the suburbs that make up the surrounding area. Jacksonville is one of the largest suburbs outside Little Rock, and it’s a town with plenty of drivers. By investing in strong car insurance at a good price, Jacksonville residents can stay protected on the roads.

Car Insurance in Jacksonville, AR

The average cost of Arkansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Jacksonville, AR to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Jacksonville is $207 per month, or $2484 annually.
  • Car insurance in Jacksonville is $26 more than the average cost of car insurance in Arkansas.
  • The cheapest car insurance provider in Jacksonville on average is Progressive, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

State Farm
$69
Allstate
$85
Nationwide
$102
Direct Auto
$178
The General
$227

Cheapest Car Insurance in Jacksonville, AR

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in JacksonvilleQuotes
State Farm$69 /mo
Allstate$85 /mo
Nationwide$102 /mo
Direct Auto$178 /mo
The General$227 /mo

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Best Car Insurance in Jacksonville, AR

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Jacksonville. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
American Family89$222 /mo
Liberty Mutual82$260 /mo

Average Car Insurance Cost

Arkansas Cities
Little Rock$190/mo
Fort Smith$150/mo
Fayetteville$138/mo
Springdale$130/mo
Jacksonville$154/mo
Arkansas$152/mo
Springdale
$130
Fayetteville
$138
Fort Smith
$150
Average for AR
$152
Jacksonville
$154
Little Rock
$190
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Arkansas

All motor vehicles operated or parked on Arkansas[1] roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Arkansas are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Arkansas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Jacksonville Car Insurance Rates by Driver Age

Like in other cities around the country, the average car insurance rates in Jacksonville tend to be higher for younger drivers. On average, teen drivers will pay $466.78 in premiums each month. Compare this to drivers in their 60s, who only pay one-third of the price, at around $155. It is safe to say having experience behind the wheel can give you better rates. However, the average price goes back up to $189 for Jacksonville drivers in their 70s.

Driver's AgeAvg. Monthly Cost
teens$467
20s$251
30s$159
40s$192
50s$203
60s$156
70s$190
80s$160

Jacksonville Car Insurance Rates by Driving and Accident History

The average premium you pay for auto insurance may vary due to several factors, including your driving and your accident history. As seen in the city of Jacksonville, keeping a clean record with no violations will typically give you a lower rate around $193.59. For drivers who have some negative marks on their driving history, keep in mind that not all violations are the same. For example, if you have a speeding or failure-to-stop violation, your average premium could be $205 to $210. However, a more serious offense, like an at-fault accident, can result in an average premium of $242.

Driving HistoryAvg. Monthly Cost
No Violation$194
Speeding Ticket$210
At-Fault Accident$243
Failure to Stop for Red Light / Stop Sign$206

Jacksonville Car Insurance Rates by Credit Tier

When people think about a credit score, they normally associate it with their ability to get a loan. While this is a common reason to watch your credit score, your score may also play a factor in determining your average insurance premium. In Jacksonville, those who maintain a good credit rating are more likely to have the lowest average premiums, around $198.37. For anyone who finds themselves with an average or poor rating, your premium rates could range from $200 to $210.

Credit TierAvg. Monthly Cost
Excellent$233
Good$199
Average$203
Poor$211

Find local Jacksonville agents

  • Centennial Insurance Agency, Inc.

    1900 John Harden Drive,
    Jacksonville, AR 72023
  • Direct Auto Insurance

    425 W Main St,
    Jacksonville, AR 72076
  • Advantage 1 Auto Insurance

    601 W Main St,
    Jacksonville, AR 72076
  • Shelter Insurance - Seth Boyd

    1108 W Main St,
    Jacksonville, AR 72076
  • Shelter Insurance - Todd Martin

    210 John Harden Dr,
    Jacksonville, AR 72076
  • Jenkins Insurance Agency

    1420 Braden St A,
    Jacksonville, AR 72076
  • Pete Barry Insurance

    1326 John Harden Dr,
    Jacksonville, AR 72076
  • Shelter Insurance - Scott Everett

    517 N 1st St Ste 12,
    Jacksonville, AR 72076
  • ASA Auto-Cycle Insurance

    309 W Main St,
    Jacksonville, AR 72076
  • Terry Ray - State Farm Insurance Agent

    50 Hwy 67 N,
    Jacksonville, AR 72076
View more

Jacksonville, AR DMV Information

Jacksonville has a full-service DMV office at 4 Crestview Plaza, Jacksonville, AR 72076. With a central location and a full range of services, the office serves Jacksonville residents well when it comes to motor vehicle needs. The office is open from 8 a.m. to 4:30 p.m. Monday through Friday.

Public Transportation in Jacksonville, AR

The Rock Region Metro serves Arkansans within Pulaski County and stops at the Jacksonville Shopping Center. These bus lines help residents get around seven days a week.

How to get the best and cheapest car insurance in Jacksonville, AR

In a town like Jacksonville, your car is your #1 option for getting around. With the right insurance policy on your side, you can make sure you get around safely and affordably. Let Insurify connect you with plenty of free car insurance quotes that you can compare side by side—then pick the policy that fits your budget.

FAQs - Jacksonville, AR Car Insurance

  • State Farm and Shelter Insurance are a couple of the major carriers that have agents working in Jacksonville. But don’t worry: if you want to go smaller, the area also features several regional car insurance companies that are attuned to the needs of Jacksonville residents.
  • Arkansas is one of several states that keep credit scores in mind when determining your car insurance premiums. When shopping for car insurance in Jacksonville, remember that a so-so credit score might lead to higher insurance rates.
  • Car insurance prices vary by state, driver history, and a host of other factors. To help you find the right policy at the right price, use Insurify to easily compare 10+ free quotes from a wide range of insurance companies.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Insurify Insights

How Jacksonville Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Jacksonville, Arkansas below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Jacksonville drivers measure up to their fellow motorists across Arkansas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

nissan

Nissan Altima

Most Popular Car in Jacksonville

#13

City with the Most Speeding Tickets Rank in Arkansas

#23

City with the Most Moving Violations Rank in Arkansas

#31

City with the Most DUIs Rank in Arkansas

#26

City with the Most Suspended Licenses in Arkansas

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Jacksonville drivers rank 19 in the number of car accidents per driver across all cities in Arkansas.

    • Rank within state: #19
    • Percent of drivers in Jacksonville with an accident: 6.92%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Jacksonville drivers rank 31 in the number of DUI’s per driver across all cities in Arkansas.

    • Rank within state: #31
    • Percent of drivers in Jacksonville with a DUI: 0.9%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Arkansas, Jacksonville drivers rank 3 in the number of reckless driving offenses per driver.

    • Rank within state: #3
    • Percent of drivers in Jacksonville with a reckless driving offense: 0.18%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Arkansas, Jacksonville drivers rank 20 in rude driving infractions.

    • Rank within state: #20
    • Percent of drivers in Jacksonville with a reckless driving violation: 0.55%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Arkansas, Jacksonville drivers rank 13 in the number of speeding infractions per driver.

    • Rank within state: #13
    • Percent of drivers in Jacksonville with a speeding ticket: 8.6%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Jacksonville drivers rank 3 in clean driving records across all cities in Arkansas.

    • Rank within state: #3
    • Percent of drivers in Jacksonville with clean record: 14.23%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Jacksonville drivers rank 4 in hybrid and electric vehicle ownership across all cities in Arkansas.

    • Rank within state: #4
    • Percent of drivers in Jacksonville with a hybrid/electric vehicle: 0.58%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra
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Insurance Content Project Manager

Tanveen Vohra is an insurance content manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.

Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

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Sources

  1. Arkansas Insurance Department. "State Minimum Car insurance." Accessed May 28, 2022