Cheap Auto Insurance in Jonesboro, Arkansas (2024)

State Farm offers the cheapest car insurance in Jonesboro, with minimum-coverage policies as low as $30 per month.

Taylor Milam-Samuel
Taylor Milam-Samuel
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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.

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Katie PowersAuto and Life Insurance Editor
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  • 3+ years experience in insurance and personal finance editing

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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Updated July 18, 2024

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Cheapest recent rates near Jonesboro, Arkansas

Drivers using Insurify have found quotes as cheap as $29/mo for liability only and $59/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 July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 18, 2024. 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 July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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.

Quick Facts
  • State Farm, USAA, and GEICO 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 $130 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 CompanyIQ 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 CoverageLiability OnlyBest For
State Farm9.3$59$29Cheapest overall
USAA9.4$72$35Drivers with speeding tickets
GEICO9.0$89$44Drivers with DUIs
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.

Cheapest overall for Jonesboro drivers: State Farm

Compare personalized, real-time quotes
User Reviews
3.3
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.
$30/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.
$62/mo

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

Read more driver reviews of State Farm
Maryann - July 18, 2024
Verified

I Hardly Drive and Never Get a Discount

They sign you up for a policy and then it's see ya later.

Don - July 18, 2024
Verified

Disappointed

After being with State Farm for 48 years, I am seriously considering moving all of my insurance elsewhere. Rates on our vehicles, all of which are accident-free, even with discounts, are 40 percent higher than other well-known companies. Our farm and ranch policy, which used to be a blanket policy, has been gutted. But the biggest difference is our agent. Our former agent, who is now retired, always had our best interest in mind. The new agents seem only to care about the company.

Karla - July 18, 2024
Verified

Overpriced Coverage Despite No Accidents or Tickets

I recommend checking around for better quotes and pricing on coverage.

Best insurance for drivers with a speeding ticket: USAA

Compare personalized, real-time quotes
User Reviews
3.7
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.
9.4/10
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.
$37/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.
$76/mo

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

Read more driver reviews of USAA
Ronald - July 17, 2024
Verified

The quality of service largely depends on the representative you interact with. We had an excellent representative, so our experience was excellent.

The quality of service largely depends on the representative you interact with. We had an excellent representative, so our experience was excellent.

Connie - July 17, 2024
Verified

Great Company, Great Employees

I would highly recommend USAA to any of my friends. The employees are always courteous and have answers to any questions you may have.

John - July 16, 2024
Verified

Good

Invest more in customer service and less in advertising.

Best insurance for drivers with a DUI: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
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.
9.0/10
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

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

Read more driver reviews of GEICO
Joanne - July 18, 2024
Verified

Poor

Geico's rates are way too high.

Lenroy - July 18, 2024
Verified

Thanks

It's a good insurance company, but I'm glad there are other options. Everyone is looking to save money these days.

James - July 18, 2024
Verified

A Little Too Expensive

So-so.

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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quotes
State Farm$30
USAA$37
GEICO$46
Auto-Owners$51
Safeco$57
National General$67
Shelter$67
Allstate$68
Farmers$68
Nationwide$68
Progressive$72
Travelers$72
Hallmark$92
Liberty Mutual$96
GAINSCO$100
Dairyland$101
Midvale Home & Auto$104
The General$133
Direct Auto$154
Bristol West$157
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $286 per month in Jonesboro.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$62
USAA$76
GEICO$93
Auto-Owners$105
Safeco$125
Shelter$137
Allstate$138
Nationwide$139
Farmers$140
Progressive$147
Travelers$147
Midvale Home & Auto$174
National General$176
State Auto$195
GAINSCO$219
Liberty Mutual$228
Dairyland$252
Hallmark$253
The General$277
Direct Auto$352
Bristol West$384
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $65/mo for liability only and $129/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 July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 18, 2024. 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 July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 18, 2024. 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]

CoverageMinimum 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]

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive

    This protects your car if you face damages due to a noncollision incident, like vandalism, a natural disaster, or a falling object.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision

    In the event of an accident, this covers the costs of your vehicle damage, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

Find Car Insurance in Jonesboro, Arkansas

Minimum coverage policies start at $38/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 $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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith Ticket
State Farm$30$39
USAA$37$49
GEICO$46$61
Auto-Owners$51$68
Safeco$57$76
National General$67$88
Shelter$67$92
Allstate$68$90
Farmers$68$89
Nationwide$68$91
Progressive$72$95
Travelers$72$96
Hallmark$92$122
Liberty Mutual$96$139
GAINSCO$100$145
Dairyland$101$134
Midvale Home & Auto$104$142
The General$133$178
Direct Auto$154$204
Bristol West$157$206
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith Accident
State Farm$30$41
USAA$37$51
GEICO$46$64
Auto-Owners$51$70
Safeco$57$76
National General$67$93
Shelter$67$96
Allstate$68$94
Farmers$68$93
Nationwide$68$94
Progressive$72$101
Travelers$72$100
Hallmark$92$122
Liberty Mutual$96$144
GAINSCO$100$133
Dairyland$101$139
Midvale Home & Auto$104$152
The General$133$187
Direct Auto$154$217
Bristol West$157$214
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $222 per month for minimum coverage and $489 for full coverage, according to Insurify data.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith DUI
State Farm$30$51
USAA$37$63
GEICO$46$78
Auto-Owners$51$87
Safeco$57$97
National General$67$114
Shelter$67$114
Allstate$68$115
Farmers$68$115
Nationwide$68$115
Progressive$72$122
Travelers$72$122
Hallmark$92$156
Liberty Mutual$96$163
GAINSCO$100$170
Dairyland$101$171
Midvale Home & Auto$104$176
The General$133$226
Direct Auto$154$261
Bristol West$157$266
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $208 per month for full coverage and $95 for liability only.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm$22$45
USAA$28$57
GEICO$34$70
Auto-Owners$38$77
Safeco$44$96
Shelter$44$90
Nationwide$48$97
Progressive$48$98
National General$49$129
Farmers$50$102
Allstate$51$104
Travelers$53$108
Hallmark$66$181
Liberty Mutual$73$173
Midvale Home & Auto$75$125
Dairyland$76$189
GAINSCO$78$171
The General$102$212
Direct Auto$112$256
Bristol West$118$289
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $488 for full coverage and $222 for liability only.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm$50$103
USAA$60$123
GEICO$71$143
Auto-Owners$85$176
Shelter$112$229
Nationwide$114$232
Allstate$116$236
Safeco$116$254
Farmers$117$240
National General$126$332
Progressive$127$259
Travelers$127$259
Hallmark$159$437
Dairyland$164$409
Liberty Mutual$172$409
GAINSCO$173$379
Midvale Home & Auto$175$293
The General$209$435
Bristol West$260$637
Direct Auto$274$626
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $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.

CityFull CoverageLiability Only
Conway$286$122
Fayetteville$278$113
Fort Smith$253$106
Little Rock$325$149
Springdale$278$115
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $286 per month while liability-only is $130 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 $30 per month. USAA and GEICO are the city's second- and third-cheapest insurance providers, with liability-only rates as low as $37 and $46, 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 9.4 and 9.0, 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 $281 per month for full coverage and $115 for liability-only policies. By comparison, the national averages are $214 and $105, 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 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  2. Arkansas Insurance Department. "Consumers FAQ: Private Passenger Automobile Insurance."
  3. Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  5. Arkansas Department of Finance and Administration. "DUI/DWI Information."
  6. Insurance Information Institute. "Senior driving safety and insurance tips."
  7. Insurance Information Institute. "Auto insurance for teen drivers."
Taylor Milam-Samuel
Taylor Milam-Samuel

Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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 Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
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.

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