Cheap Auto Insurance in Jonesboro, Arkansas (2024)

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 $214 per month for full coverage and $105 for minimum coverage. Average rates are higher in Arkansas ($281 and $115, respectively), and even more in Jonesboro.

On average, car insurance in Jonesboro costs $286 monthly for full coverage and $130 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.

Cheapest overall for Jonesboro drivers: State Farm

Best insurance for drivers with a speeding ticket: USAA

Best insurance for drivers with a DUI: 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 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 $130 per month. The following table shows monthly quotes from some of the cheapest insurers offering minimum coverage in Jonesboro.

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 $286 per month in Jonesboro.

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 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 $130 per month with a clean record to $180.

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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 $191 per month for liability-only policies and $420 for full coverage. The following table shows the difference speeding tickets make in the rates of top insurers in Jonesboro.

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 $431 for full coverage car insurance and $196 for liability-only coverage. The following table compares average monthly quotes from top Jonesboro insurers for drivers with at-fault accidents.

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 $222 per month for minimum coverage and $489 for full coverage, according to Insurify data.

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 $208 per month for full coverage and $95 for liability only.

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 $488 for full coverage and $222 for liability only.

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 $105 per month and full coverage is $214, in Arkansas the averages are $115 and $281.

Monthly rates are even higher in Jonesboro – $130 for minimum coverage and $286 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.

Jonesboro car insurance FAQs