Cheap Auto Insurance in Jonesboro, Arkansas (2026)
State Farm offers the cheapest car insurance in Jonesboro, with minimum-coverage policies as low as $46 per month.
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Table of contents
Jonesboro drivers pay much more, on average, for car insurance than drivers in other states, Insurify data shows. The national cost of car insurance averages $173 per month for full coverage and $99 for minimum coverage. Average rates are higher in Arkansas ($144 and $78, respectively), and even more in Jonesboro.
On average, car insurance in Jonesboro costs $149 monthly for full coverage and $87 for liability-only policies. Inflation, a growing number of weather-related claims, and Arkansas' higher-than-average fatality rate, likely all contribute to Jonesboro's costly car insurance rates.
Jonesboro drivers have the best chance to find savings when they compare car insurance quotes from multiple insurance companies.
Quick Facts
State Farm, USAA, and Root are the cheapest car insurance companies for Jonesboro drivers.
Arkansas had 608 fatal crashes in 2023, according to state Department of Transportation data.
The average cost in Jonesboro is high, but some insurers offer prices significantly lower than the city average of $87 per month for liability-only coverage.
Cheapest car insurance companies in Jonesboro
The best car insurance company depends on your financial situation and insurance needs. Cost is usually one of the most important factors for you to consider, especially when dealing with unique circumstances, like a teenage driver or a speeding ticket on your record.
If you’re looking for cheap car insurance in Jonesboro, you might want to consider State Farm, USAA, and GEICO.
Insurance Company  | 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. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $87 | $44 | Cheapest overall |
| USAA | 9.1 | $106 | $53 | Drivers with speeding tickets |
| GEICO | 9.2 | $132 | $66 | Drivers with DUIs |
Disclaimer: Table data is based on real-time Jonesboro quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest overall for Jonesboro drivers: State Farm
| User Reviews | 4.1 |
|---|---|
| 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. | $46/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. | $93/mo |
4.1
Best choice in Jonesboro, ARBased on 15,424 verified driver 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 in Jonesboro 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 in Jonesboro for
Customer service
Competitive rates
Discounts for safe drivers
Showing 21 Arkansas reviews for Jonesboro drivers - See all 7,109 State Farm reviews
Christopher
Verified Review
I have no wrecks and no tickets.
Reviewed in Arkansas on February 16, 2026
$200 is way too much for someone with a clean driving record.
William
Verified Review
Shop and Save
Reviewed in Arkansas on January 28, 2026
Insured with State Farm for 50 years, and they sell what makes them the most. The price is too high.
Debra
Verified Review
Two on disability, one on limited retirement funds, one working at Walmart!
Reviewed in Arkansas on January 11, 2026
I have not had to make a claim yet, but in the three years we have lived in Arkansas, our car insurance has been terribly high. We also have homeowners insurance. It has gone up so high that we are reaching the point of having it pulled way back to about nothing. I have a really hard time believing that both of these are appropriate. I have seen our insurer's new office. It is ridiculously fancy. While we struggle out here, the prices just keep going up. It greatly saddens me that they are this way.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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 has the lowest rates in every category for Jonesboro residents, including drivers with a speeding ticket or DUI, seniors, and teens. The company has a number of coverage options and at least 10 advertised discounts. With an A++ (Superior) rating from AM Best and a below-average number of customer complaints on the National Association of Insurance Commissioners (NAIC) complaint index, State Farm has solid financial strength and customer satisfaction.
Pros
Lowest rates for all auto insurance options in Jonesboro
Provides insurance for every type of driver
Cons
Mixed customer reviews
Doesn’t offer gap insurance
Best insurance for drivers with a speeding ticket: 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. | 9.1 /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. | $56/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. | $112/mo |
4.9
Best choice in Jonesboro, ARBased on 3,045 verified driver 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 in Jonesboro 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 in Jonesboro for
Members of the military community
Outstanding customer service
Competitive rates
Showing 5 Arkansas reviews for Jonesboro drivers - See all 1,463 USAA reviews
Ida
Verified Review
Rate Increases
Reviewed in Arkansas on January 9, 2026
I have never filed a claim, but the rates just keep going up.
Ida
Verified Review
USAA
Reviewed in Arkansas on December 23, 2025
No claims, yet the price continues to climb.
Leslie
Verified Review
Shopping for better rates
Reviewed in Arkansas on November 30, 2025
Started out good, then prices started to increase. After an at-fault accident, my premium went through the ceiling. Haven't had any claims. Looking for a better rate.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 offers excellent customer service, competitive pricing, and unique perks for drivers — as well as 10 advertised discounts. But the company only offers coverage to current, reserve, and retired military members — and their families. USAA also earned an A++ (Superior) financial strength rating from AM Best and has below-average customer complaints on the NAIC complaint index.
Pros
Strong customer service
Pays policyholder dividends
Cons
Must have a military affiliation to qualify for coverage
Rates are higher than some other insurers
Best insurance for drivers with a DUI: 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. | 9.2 /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. | $70/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. | $139/mo |
4.0
Best choice in Jonesboro, ARBased on 15,685 verified driver 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 in Jonesboro 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 in Jonesboro for
Teen drivers
Cheap rates
Accident forgiveness
Showing 9 Arkansas reviews for Jonesboro drivers - See all 7,372 GEICO reviews
Brent
Verified Review
Geico isn't great
Reviewed in Arkansas on February 25, 2026
Geico has been steadily raising our rate, and we have no accidents or tickets. I went to switch to Progressive, who saved me a considerable amount of money, but when my wife got on with Geico to cancel, they said we were on an old system and she could beat Progressive by $100. My wife said yes, and we are paid for the year. I would have happily paid Progressive the extra $100 to get away from Geico.
Belinda
Verified Review
Insurance rates not as cheap as you think
Reviewed in Arkansas on February 12, 2026
I was late on my payment, and that caused it to at least double. I'm on a fixed income, so coming up with more money for insurance is just not in my budget.
Teresa
Verified Review
Geico Insurance is the Best
Reviewed in Arkansas on December 9, 2025
My advice to anyone considering Geico is that they are a great insurance company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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 provides low rates for drivers with a DUI, especially compared to the average cost in the city. The company has experience working with drivers with high-risk violations. And customers can benefit from one or more of the 16 advertised discounts. Like the other two top Jonesboro insurers, GEICO has an A++ rating from AM Best and below-average customer complaints on the NAIC complaint index.
Pros
Competitive rates for drivers with a violation
Offers accident forgiveness
Cons
Limited local agent availability
Doesn’t offer gap insurance
How to get the cheapest car insurance in Jonesboro
As you look for the best deal on car insurance, you should focus on the factors you can control, like the type of vehicle you drive, discounts you qualify for, and your driving record. But you also need to consider your coverage needs.
“Buying the cheapest policy is not necessarily the best decision for every driver,” says Bob Passmore, vice president of personal lines for the American Property Casualty Insurance Association. “Consider the type of vehicle that is being insured and the assets you need to protect. Consider if you want features such as rental car coverage and other services if you file a claim.”
Consider these tips to help you secure the best rate on car insurance:
Ask about discounts. Most insurers offer discounts, including savings for installing vehicle safety features, completing a defensive driving course, or maintaining a clean driving record.
Bundle policies. Some companies offer you lower pricing when you bundle different types of insurance policies, like auto and home or renters insurance. Ask your agent about options.
Provide accurate mileage estimates. Try to provide correct estimates about how much you drive. Accurate lower mileage estimates often lead to a lower rate.
Cheapest liability-only car insurance in Jonesboro: State Farm
Liability-only car insurance provides you financial protection if you cause an accident. It usually covers medical expenses and vehicle damages for the other driver and their passengers. It won't pay to repair or replace your vehicle if you cause an accident.
Minimum requirements vary by state, but Arkansas residents must have coverage. A liability-only policy may be a good option if you own a less expensive, older vehicle that is paid off.
In Jonesboro, liability-only policies average $87 per month. The following table shows monthly quotes from some of the cheapest insurers offering minimum coverage in Jonesboro.
The below rates in Jonesboro, AR, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Average Monthly Quotes |
|---|---|
| State Farm | $46 |
| USAA | $56 |
| GEICO | $70 |
| National General | $72 |
| Root | $73 |
| Auto-Owners | $79 |
| Safeco | $86 |
| GAINSCO | $90 |
| Direct Auto | $90 |
| Shelter | $101 |
| Allstate | $103 |
| Nationwide | $104 |
| Farmers | $104 |
| The General | $110 |
| Travelers | $110 |
| Dairyland | $115 |
| Bristol West | $135 |
| Liberty Mutual | $149 |
Disclaimer: Table data sourced from real-time Jonesboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jonesboro may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Jonesboro: State Farm
Full-coverage car insurance provides additional financial protection for you and your vehicle. These policies include liability, comprehensive, and collision coverage. Although more expensive than a liability-only policy, a full-coverage policy helps ensure that your protection is robust enough to cover all the expenses associated with an at-fault accident.[1]
On average, full coverage costs $149 per month in Jonesboro.
The below rates in Jonesboro, AR, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $93 |
| USAA | $112 |
| Root | $132 |
| GEICO | $139 |
| National General | $153 |
| Direct Auto | $155 |
| Auto-Owners | $157 |
| Safeco | $158 |
| Shelter | $202 |
| Allstate | $206 |
| Nationwide | $207 |
| Farmers | $208 |
| GAINSCO | $216 |
| Travelers | $218 |
| Liberty Mutual | $223 |
| The General | $251 |
| Dairyland | $291 |
| Bristol West | $330 |
Disclaimer: Table data sourced from real-time Jonesboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jonesboro may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Jonesboro, Arkansas
Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $79/mo for full coverage in Jonesboro and other Arkansas cities.
*Quotes generated for Insurify users in and around Jonesboro, Arkansas within the last 10 days. Last updated on February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Jonesboro, Arkansas within the last 10 days. Last updated on February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Arkansas
Almost every state requires liability coverage, and Arkansas is no exception. You must have the following minimum bodily injury and property damage liability coverage to drive in Arkansas.[2]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $25,000 per accident |
But you might want to opt for additional protection beyond the minimum requirements.
“Most drivers choose to have additional insurance to better protect themselves and others in the event of a crash,” says Passmore. “If you are in a crash and don’t have enough insurance coverage, the other driver could potentially sue you for your financial assets to help make up the difference.”
You can add more protection with single add-ons or a full-coverage policy that includes all the following in one.[3]
Comprehensive
This protects your car if you face damages due to a noncollision incident, like vandalism, a natural disaster, or a falling object.
Collision
In the event of an accident, this covers the costs of your vehicle damage, regardless of fault.
Uninsured/underinsured motorist
If an uninsured or underinsured driver causes an accident, this coverage provides you with financial protection.
Cheapest car insurance for drivers with an incident
Specific driving incidents, like speeding tickets, driving under the influence (DUI), and at-fault accidents, signal to insurers that you may be more likely to file a claim. As a result, you’ll face increased premiums.[4]
In Jonesboro, having a violation on your driving record pushes average liability-only rates from $87 per month with a clean record to $101.
Find Car Insurance in Jonesboro, Arkansas
Minimum coverage policies start at $56/mo. for drivers with violations
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Cheapest car insurance for drivers with a speeding ticket: State Farm
It’s a good idea to shop around for the best insurance rates if you’re dealing with the financial aftermath of a speeding ticket. You typically face an increase in insurance costs after getting a speeding ticket.
In Jonesboro, the average cost of car insurance for drivers with speeding tickets is $109 per month for liability-only policies and $187 for full coverage. The following table shows the difference speeding tickets make in the rates of top insurers in Jonesboro.
The below rates in Jonesboro, AR, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Clean Record | With Ticket |
|---|---|---|
| State Farm | $46 | $58 |
| USAA | $56 | $72 |
| GEICO | $70 | $91 |
| National General | $72 | $90 |
| Root | $73 | $97 |
| Auto-Owners | $79 | $103 |
| Safeco | $86 | $113 |
| GAINSCO | $90 | $107 |
| Direct Auto | $90 | $113 |
| Shelter | $101 | $134 |
| Allstate | $103 | $134 |
| Nationwide | $104 | $135 |
| Farmers | $104 | $133 |
| The General | $110 | $147 |
| Travelers | $110 | $143 |
| Dairyland | $115 | $143 |
| Bristol West | $135 | $170 |
| Liberty Mutual | $149 | $190 |
Disclaimer: Table data sourced from real-time Jonesboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jonesboro may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
An at-fault accident refers to when you cause an auto incident. The aftermath can feel stressful because your car insurance rate usually increases. The resulting price increase may make you want to consider a different insurer or to compare quotes.
Jonesboro drivers who cause an accident see average monthly car insurance rates of $192 for full coverage car insurance and $112 for liability-only coverage. The following table compares average monthly quotes from top Jonesboro insurers for drivers with at-fault accidents.
The below rates in Jonesboro, AR, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Clean Record | With Accident |
|---|---|---|
| State Farm | $46 | $60 |
| USAA | $56 | $74 |
| GEICO | $70 | $90 |
| National General | $72 | $95 |
| Root | $73 | $96 |
| Auto-Owners | $79 | $103 |
| Safeco | $86 | $119 |
| GAINSCO | $90 | $114 |
| Direct Auto | $90 | $121 |
| Shelter | $101 | $134 |
| Allstate | $103 | $136 |
| Nationwide | $104 | $138 |
| Farmers | $104 | $137 |
| The General | $110 | $150 |
| Travelers | $110 | $146 |
| Dairyland | $115 | $150 |
| Bristol West | $135 | $175 |
| Liberty Mutual | $149 | $196 |
Disclaimer: Table data sourced from real-time Jonesboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jonesboro may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Driving under the influence is seen as a high-risk violation with consequences like fines, license suspension, and jail time.[5] Because of the severity of the infraction, you might struggle to find competitive car insurance rates.
Car insurance for Jonesboro drivers convicted of DUI averages $121 per month for minimum coverage and $207 for full coverage, according to Insurify data.
The below rates in Jonesboro, AR, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Clean Record | With DUI |
|---|---|---|
| State Farm | $46 | $66 |
| USAA | $56 | $80 |
| GEICO | $70 | $99 |
| National General | $72 | $103 |
| Root | $73 | $105 |
| Auto-Owners | $79 | $113 |
| Safeco | $86 | $131 |
| GAINSCO | $90 | $128 |
| Direct Auto | $90 | $128 |
| Shelter | $101 | $145 |
| Allstate | $103 | $147 |
| Nationwide | $104 | $148 |
| Farmers | $104 | $148 |
| The General | $110 | $157 |
| Travelers | $110 | $157 |
| Dairyland | $115 | $164 |
| Bristol West | $135 | $193 |
| Liberty Mutual | $149 | $213 |
Disclaimer: Table data sourced from real-time Jonesboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jonesboro may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Car insurance rates usually fluctuate as you age. Young drivers pay the most, but costs decrease in adulthood — with prices reaching the lowest average around retirement age. But once a driver turns 70, they face slightly increased premiums due to a greater risk of getting into an accident and being seriously injured in an accident.[6]
In Jonesboro, car insurance for seniors averages $134 per month for full coverage and $78 for liability only.
The below rates in Jonesboro, AR, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $37 | $75 |
| USAA | $46 | $93 |
| GEICO | $57 | $113 |
| National General | $58 | $123 |
| Root | $62 | $113 |
| Auto-Owners | $64 | $127 |
| Direct Auto | $74 | $128 |
| Shelter | $74 | $148 |
| Safeco | $77 | $141 |
| GAINSCO | $78 | $187 |
| Nationwide | $81 | $162 |
| Farmers | $84 | $169 |
| Allstate | $86 | $171 |
| Travelers | $90 | $178 |
| The General | $94 | $215 |
| Dairyland | $100 | $253 |
| Bristol West | $115 | $280 |
| Liberty Mutual | $127 | $190 |
Disclaimer: Table data sourced from real-time Jonesboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jonesboro may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teenage drivers fall into one of the riskiest driver categories for insurance companies to insure due to reckless driving habits, speeding, and inexperience on the road. As a result, companies set high rates for teenage drivers.
But you can take steps to reduce the extra expense by insuring your teen on your car insurance plan, opting for a safer vehicle, completing an approved driver education course, and encouraging your teen to qualify for a good student discount.[7]
Jonesboro teens face average monthly car insurance costs of $282 for full coverage and $165 for liability only.
The below rates in Jonesboro, AR, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $91 | $184 |
| USAA | $106 | $212 |
| GEICO | $128 | $254 |
| Root | $129 | $233 |
| National General | $149 | $316 |
| Auto-Owners | $162 | $322 |
| GAINSCO | $168 | $404 |
| Direct Auto | $177 | $305 |
| Safeco | $177 | $325 |
| The General | $197 | $450 |
| Dairyland | $199 | $504 |
| Shelter | $205 | $409 |
| Allstate | $208 | $416 |
| Nationwide | $208 | $413 |
| Farmers | $211 | $422 |
| Travelers | $233 | $461 |
| Bristol West | $246 | $602 |
| Liberty Mutual | $268 | $402 |
Disclaimer: Table data sourced from real-time Jonesboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jonesboro may vary based on the policy buyer's unique driver profile.
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Jonesboro car insurance quotes by credit tier
A handful of states don’t permit insurance companies to use credit history as a factor in insurance pricing, but Arkansas allows the practice.
Insurers in Jonesboro can consider an applicant’s credit when determining insurance costs. In general, excellent or good credit scores lead to lower prices, while poor credit scores lead to higher ones.
Here’s how the average rates for car insurance change based on a driver’s credit score in Jonesboro.
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.
Is car insurance more expensive in Jonesboro, Arkansas?
Jonesboro car insurance is more expensive than the Arkansas state averages or national averages. While nationally, liability-only insurance averages $99 per month and full coverage is $173, in Arkansas the averages are $78 and $144.
Monthly rates are even higher in Jonesboro – $87 for minimum coverage and $149 for full coverage.
More cities in Arkansas
Here’s how the rates in Jonesboro compare to other cities in the state. Drivers in other Arkansas cities usually pay around 20% less for comparable coverage.
City | Full Coverage | Liability Only |
|---|---|---|
| Conway | $143 | $85 |
| Fayetteville | $146 | $88 |
| Fort Smith | $145 | $80 |
| Little Rock | $178 | $107 |
| Springdale | $150 | $89 |
Disclaimer: Table data sourced from real-time Jonesboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Jonesboro may vary based on the policy buyer's unique driver profile.
Jonesboro car insurance FAQs
You have a lot of factors to consider when purchasing car insurance. The following information should help guide you through the process of buying coverage in Jonesboro.
How much is car insurance in Jonesboro?
In Jonesboro, full-coverage car insurance averages $149 per month while liability-only is $87 on average. Your actual rates may be more or less than the city's average, based on factors unique to you like your age, gender, and driving record.
Which insurer has the cheapest car insurance in Jonesboro?
State Farm offers the cheapest car insurance for Jonesboro drivers, Insurify data shows. The insurers rates for basic policies start at $46 per month. USAA and GEICO are the city's second- and third-cheapest insurance providers, with liability-only rates as low as $56 and $70, respectively.
What are the best car insurance companies in Jonesboro?
The best car insurance companies in Jonesboro are also the cheapest: State Farm, USAA, and GEICO. With an IQ Score of 9.3 and an A++ (Superior) rating from AM Best, State Farm is the best option in Jonesboro. USAA and GEICO also have A++ ratings from AM Best and IQ Scores of 9.1 and 9.2, respectively.
Is car insurance cheaper in Arkansas?
Arkansas has car insurance costs that are higher than national averages. Drivers in the state see average rates of $144 per month for full coverage and $78 for liability-only policies. By comparison, the national averages are $173 and $99, respectively.
What is public transportation like in Jonesboro, Arkansas?
Jonesboro does have public transportation through the Jonesboro Economical Transportation and the Northeast Arkansas Regional Transportation Planning Committee, but most people need a car to comfortably get around the city.
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
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Sources
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Arkansas Insurance Department. "Consumers FAQ: Private Passenger Automobile Insurance."
- Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Arkansas Department of Finance and Administration. "DUI/DWI Information."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Insurance Information Institute. "Auto insurance for teen drivers."
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Taylor Milam-Samuel Insurance Writer
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.