Best Cheap Auto Insurance in Jonesboro, Arkansas (2023)

State Farm provides the cheapest car insurance rates for drivers in Jonesboro, but other companies, like USAA, GEICO, and Auto-Owners, also offer affordable coverage. On average, monthly car insurance costs in Jonesboro, Arkansas, are high — $351 for full coverage and $186 for liability.

The monthly full-coverage price in Jonesboro exceeds the national average rate by almost $100 — making it important to find the best deal based on your coverage needs. Here’s what you need to know about getting car insurance in Jonesboro.

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.

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Cheapest car insurance for Jonesboro drivers: State Farm

Best insurance for drivers with a speeding ticket: USAA

Best insurance for drivers with a DUI: GEICO

Cheapest liability-only car insurance in Jonesboro

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. Minimum requirements vary by state, but Arkansas residents must have coverage.

The cheapest options in Jonesboro for liability-only car insurance come from State Farm, USAA, and GEICO. Average quotes from the cheapest insurers range from $53 to $118 per month.

Cheapest full-coverage car insurance in Jonesboro

Full-coverage car insurance provides additional financial protection for you and your vehicle. These policies include liability, comprehensive, and collision coverage. With these coverages, a full-coverage policy helps ensure that your protection is robust enough to cover all the expenses associated with an accident.^[1]

Average quotes start at $94 per month from State Farm, $114 from USAA, and $141 from GEICO.

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]

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 Bob Passmore, vice president of personal lines for the American Property Casualty Insurance Association. “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, make insurers classify you as a high-risk driver more likely to file a claim. As a result, you’ll face increased premiums.^[4]

In Jonesboro, the cheapest car insurance from State Farm increases by $264 annually after an accident. After a DUI, it nearly doubles — from $53 to $105 monthly.

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Cheapest car insurance for drivers with a speeding ticket

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.

State Farm, USAA, and GEICO are the most cost-effective companies in Jonesboro for drivers with a speeding ticket on their record. Quotes start at $71 per month.

Cheapest car insurance for drivers with an at-fault accident

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 cheapest average quotes range between $75 and $169 per month.

Cheapest car insurance for drivers with a DUI

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 cheapest options after a DUI in Jonesboro include State Farm, at $105 per month, and USAA, at $127 per month.

Cheapest car insurance for seniors

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 75, they face slightly increased premiums.^[6]

Regardless of your age, you can find affordable coverage by shopping around for the best rates. Average quotes for Jonesboro seniors range from $33 to $75 per month.

Cheapest car insurance for teens

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, and encouraging your teen to qualify for a good student discount.^[7]

The cheapest car insurance options for teens in Jonesboro come from State Farm, USAA, and GEICO.

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 Passmore. “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.

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Jonesboro car insurance quotes by credit tier

A handful of states don’t permit insurance companies to use credit scores as a factor in insurance pricing, but Arkansas allows the practice.

Insurers in Jonesboro can consider an applicant’s credit score 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?

The average price for full-coverage car insurance in Jonesboro is $351 per month, or $4,212 annually, exceeding the national average of $253 per month, or $3,036 annually.

Even within the same state, rates vary by city, depending on population size, weather, and crash rates. Jonesboro residents pay more for car insurance than many drivers in the state.

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.

Jonesboro car insurance FAQs