Cheap Auto Insurance Quotes in Jonesboro, AR (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

The largest city in northeast Arkansas is very car-dependent since Jonesboro isn’t walkable and public transportation is limited. That means most people require a car and an auto insurance policy to protect their vehicle and their finances.

Car Insurance in Jonesboro, 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 Jonesboro, AR to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Jonesboro, AR

Here are the cheapest carriers in Jonesboro for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Jonesboro, 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 carrier reviews. The following are the top rated carriers that offer car insurance in Jonesboro. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Jonesboro, AR Driving Facts

Minimum Car Insurance Requirements in AK

Arkansas' minimum liability auto insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
arkansas

Jonesboro Car Insurance Rates by Driver Age

Experience behind the wheel and a quick reaction to dangers on the road pay off when it comes to car insurance prices in Jonesboro. New drivers under the age of 20 are charged the most, at an average of $401, and while prices tend to fall as one gets older, they do increase to $183 for those in their 80s. The cheapest rates in Jonesboro of $120 are offered to motorists in their 70s.

Driver's AgeAvg. Monthly Cost
teens$402
20s$243
30s$177
40s$150
50s$199
60s$137
70s$121
80s$183
Driving HistoryAvg. Monthly Cost
No Violation$204
Speeding Ticket$220
At-Fault Accident$261
Failure to Stop for Red Light / Stop Sign$217

Jonesboro Car Insurance Rates by Driving and Accident History

Getting into an accident can be an expensive event, especially when it comes to your car insurance. Jonesboro drivers with a clean driving history often pay around $203, while an at-fault collision increases prices by $57. Other violations like speeding or failing to stop at an intersection cause rates to rise to $219 and $216, respectively.

Jonesboro Car Insurance Rates by Credit Tier

Many drivers in the Jonesboro area fall into the lower two credit tiers and, as a result, end up paying slightly more for their car insurance coverage. Rates for motorists in the poor category average $201, while prices for the average group are $210. There is an increase in rates for those in the good tier; however, once a driver reaches the excellent category, they get to pay the cheapest rates of all, at an average of $161.

Credit TieAvg. Monthly Cost
Excellent$162
Good$231
Average$211
Poor$202

Jonesboro, AR DMV Information

When it comes time to register your vehicle, you can do so online with the Arkansas DMV. Or if you need to get a REAL ID, the Jonesboro Revenue Office can help. If you need to submit proof of insurance and don’t yet have a policy, it’s easy to get one online. Even if you already have insurance, it’s a good idea to check Insurify for customized quotes since you could save hundreds by finding the cheapest premium available to you.

Public Transportation in Jonesboro, AR

The JET transit system has been expanding over the years, but service is still limited, and less than 1 percent of workers take public transportation to commute. Only 3 percent worked from home, but the vast majority (94 percent) drove to work, commuting an average of 18 minutes to get there. In a pinch, both Uber and Lyft operate in the city, in addition to traditional taxi services, but these are pricey ways to get around all the time.

Conclusion: How to get the best and cheapest car insurance in Jonesboro, AR

If you’re caught driving without proof of insurance in Arkansas, you’ll face a mandatory fine of up to $250 for your first offense. Don’t be one of the estimated 16.6 percent of drivers who go without insurance in the state.

To drive legally in Arkansas, you’ll need the following: A minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage A minimum of $25,000 per person in property damage liability coverage A minimum of $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage Getting coverage that meets the requirements doesn’t have to drain your bank account. Some insurance companies offer drivers with a clean record rates closer to $100 per month. That’s why you should always use a comparison tool like Insurify to identify the best deal in car insurance.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Jonesboro stacks up for the state of Arkansas:

chevrolet
Chevrolet Malibu
Most Popular Car in
Jonesboro, AR
suspended licenses
#7
Cities with Most
Suspended Licenses Rank

FAQs - Jonesboro, AR Car Insurance

How much does car insurance in Jonesboro cost?

Jonesboro auto insurance costs an average of $194 per month. While that’s less than the national average, it’s more than the state average and can be difficult for many families to afford. That’s why it’s important to compare quotes across insurance providers; you could potentially get car insurance for less.

Will my credit score impact my premium in Jonesboro?

Yes. In most states, including Arkansas, auto insurance providers use your credit-based insurance score to determine your premium. Someone with no credit would pay an average of 28 percent more for car insurance than someone with excellent credit in Arkansas, but every insurer will weigh your credit information differently.

How do I find cheap car insurance in Jonesboro?

The best way to find the cheapest premium for the coverage you need is to get as many quotes as possible from different insurers and choose the insurance provider offering the best rates. While this can be time consuming if you get quotes with every insurer individually, it takes just a few minutes to get quotes from up to 20 different providers with Insurify. You’ll be able to toggle between coverage amounts and easily identify the best deal for your needs.