Cheap Auto Insurance in Jonesboro, Arkansas (2026)

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 $187 per month for full coverage and $98 for minimum coverage. Average rates are higher in Arkansas ($152 and $74, respectively), and even more in Jonesboro.

On average, car insurance in Jonesboro costs $156 monthly for full coverage and $76 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.

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	$74	$36	Cheapest overall
USAA	9.1	$90	$44	Drivers with speeding tickets
GEICO	9.2	$120	$56	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

Cheapest rates

Compare Quotes

User Reviews	4.1 20,460 reviews
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.	$38/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.	$77/mo

Details

4.1

Best choice in Jonesboro, ARBased on 20,460 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best in Jonesboro for

Customer service

Competitive rates

Discounts for safe drivers

Showing 16 Arkansas reviews for Jonesboro driversSee all 7,978 State Farm reviews

Paula

Verified Review

Too High to Buy!!!

Reviewed in Arkansas on August 5, 2026

You get decent coverage, but you pay very high prices.

Brenda

Verified Review

Archie at State Farm

Reviewed in Arkansas on July 22, 2026

Call anyone there; they’ll treat you well.

Mike

Verified Review

Good Company

Reviewed in Arkansas on July 10, 2026

Hope you get an honest agent. Many will write a policy and not give you what you actually need.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

647

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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 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

Drivers with a speeding ticket

Compare Quotes

User Reviews	4.9 4,175 reviews
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.	$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.	$95/mo

Details

4.9

Best choice in Jonesboro, ARBased on 4,175 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best in Jonesboro for

Members of the military community

Outstanding customer service

Competitive rates

Showing 7 Arkansas reviews for Jonesboro driversSee all 1,652 USAA reviews

Cory

Verified Review

Vets stay away from USAA

Reviewed in Arkansas on June 5, 2026

I'm a veteran who drives maybe 20 miles a week, and my insurance goes up $40 a month every 6 months. I'm 52, with no wrecks and no tickets. They don't seem to care about vets at all.

Martha

Verified Review

USAA good ratings but HIGH Prices!

Reviewed in Arkansas on March 22, 2026

Perfect but PRICEY!

Renae

Verified Review

Excellent

Reviewed in Arkansas on March 3, 2026

Astronomical rates that keep rising on my 2016 car. Monthly premium rates are too high.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

759

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

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 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

Drivers with a DUI

Compare Quotes

User Reviews	4.0 20,153 reviews
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.	$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.	$117/mo

Details

4.0

Best choice in Jonesboro, ARBased on 20,153 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.9	2.9
Policy transparency	4.0	3.1
Value	3.8	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best in Jonesboro for

Teen drivers

Cheap rates

Accident forgiveness

Showing 13 Arkansas reviews for Jonesboro driversSee all 8,071 GEICO reviews

Robert

Verified Purchase

Keeps going up instead of staying the same price!!!

Reviewed in Arkansas on July 8, 2026

My first payment was $45, the second was $76, and the third was $59. I'm not happy.

Gerald

Verified Review

Geico is terrible

Reviewed in Arkansas on April 26, 2026

Do not use Geico; they make changes to your policy without authorization. They are constantly raising rates without notice.

Shelly

Verified Review

Too High

Reviewed in Arkansas on April 23, 2026

Okay, but the price went up again!

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

622

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

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 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.

The below rates in Jonesboro, AR, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quotes
State Farm	$38
Progressive	$42
USAA	$46
Trexis	$55
GEICO	$56
National General	$56
Auto-Owners	$63
Root	$68
Trexis One	$68
Direct Auto	$71
GAINSCO	$75
Safeco	$75
Shelter	$81
Allstate	$82
Farmers	$83
The General	$89
Travelers	$89
Dairyland	$97
Liberty Mutual	$113
Bristol West	$114
Hugo	$138

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]

The below rates in Jonesboro, AR, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$77
Progressive	$89
USAA	$95
Root	$114
GEICO	$117
National General	$120
Direct Auto	$127
Safeco	$131
Auto-Owners	$132
Trexis	$138
Shelter	$170
Allstate	$172
Farmers	$174
Trexis One	$175
Travelers	$183
GAINSCO	$190
Liberty Mutual	$197
Dairyland	$216
The General	$224
Bristol West	$260

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.

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 $76 per month with a clean record to $90.

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Minimum coverage policies start at $47/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.

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: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Clean Record	With Ticket
State Farm	$38	$49
Progressive	$42	$54
USAA	$46	$60
Trexis	$55	$70
National General	$56	$70
GEICO	$56	$74
Root	$68	$82
Auto-Owners	$63	$83
Trexis One	$68	$87
Direct Auto	$71	$90
GAINSCO	$75	$91
Safeco	$75	$99
Allstate	$82	$105
Farmers	$83	$107
Shelter	$81	$108
Travelers	$89	$116
The General	$89	$120
Dairyland	$97	$121
Bristol West	$114	$145
Liberty Mutual	$113	$145
Hugo	$138	$176

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.

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: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Clean Record	With Accident
State Farm	$38	$51
Progressive	$42	$56
USAA	$46	$62
Trexis	$55	$73
GEICO	$56	$74
National General	$56	$75
Auto-Owners	$63	$84
Root	$68	$85
Trexis One	$68	$90
GAINSCO	$75	$96
Direct Auto	$71	$97
Safeco	$75	$104
Allstate	$82	$108
Shelter	$81	$111
Farmers	$83	$112
Travelers	$89	$121
The General	$89	$122
Dairyland	$97	$128
Liberty Mutual	$113	$150
Bristol West	$114	$151
Hugo	$138	$182

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.

The below rates in Jonesboro, AR, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Clean Record	With DUI
State Farm	$38	$55
Progressive	$42	$61
USAA	$46	$66
Trexis	$55	$80
National General	$56	$81
GEICO	$56	$81
Auto-Owners	$63	$87
Root	$68	$98
Trexis One	$68	$99
Direct Auto	$71	$102
GAINSCO	$75	$108
Shelter	$81	$118
Safeco	$75	$118
Allstate	$82	$119
Farmers	$83	$120
The General	$89	$125
Travelers	$89	$128
Dairyland	$97	$140
Liberty Mutual	$113	$163
Bristol West	$114	$164
Hugo	$138	$201

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]

The below rates in Jonesboro, AR, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$31	$62
Progressive	$38	$81
USAA	$38	$79
National General	$45	$97
GEICO	$46	$96
Trexis	$50	$126
Auto-Owners	$51	$108
Direct Auto	$60	$107
Shelter	$60	$126
Trexis One	$62	$160
Root	$64	$108
GAINSCO	$66	$168
Safeco	$67	$117
Farmers	$68	$142
Travelers	$73	$151
Allstate	$75	$157
The General	$78	$196
Dairyland	$85	$189
Liberty Mutual	$97	$168
Bristol West	$98	$223

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]

The below rates in Jonesboro, AR, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$73	$148
Progressive	$76	$161
USAA	$84	$173
Trexis	$100	$250
GEICO	$101	$211
Root	$102	$171
National General	$110	$237
Trexis One	$123	$317
Auto-Owners	$126	$265
GAINSCO	$131	$332
Direct Auto	$138	$246
Allstate	$149	$312
Safeco	$152	$266
Shelter	$160	$336
The General	$160	$403
Farmers	$165	$345
Dairyland	$167	$373
Travelers	$183	$377
Liberty Mutual	$197	$343
Bristol West	$201	$457

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 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.

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 $98 per month and full coverage is $187, in Arkansas the averages are $74 and $152.

Monthly rates are even higher in Jonesboro – $76 for minimum coverage and $156 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	$74
Fayetteville	$150	$73
Fort Smith	$148	$71
Little Rock	$186	$90
Springdale	$157	$75

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