Best Cheap Auto Insurance in Jonesboro, Arkansas (2024)

Car insurance in Jonesboro costs more than average rates elsewhere in the state, so it’s essential to shop around for the best rates.

Taylor Milam-Samuel
Taylor Milam-Samuel
  • 8+ years writing for major outlets, including MarketWatch and Business Insider

  • Master’s in Education

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 Powers
Edited byKatie Powers
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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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Updated February 29, 2024 at 11:00 AM PST

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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.

Quick Facts
  • On average, Arkansas drivers pay $216 per month for auto insurance.

  • Your driving record, age, credit history, chosen coverage, and vehicle type affect your car insurance premium.

  • The average cost in Jonesboro is high, but some insurers offer prices that are significantly lower than the city average of $263 per month.

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$61/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 A.M. 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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurance for drivers with a speeding ticket: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$75/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 A.M. 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

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best insurance for drivers with a DUI: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$47/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.
$92/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 A.M. 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

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

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.

Insurance CompanyAverage Monthly Quote
State Farm$53
USAA$64
GEICO$79
Auto-Owners$89
Safeco$102
Allstate$117
Farmers$118
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

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.

Insurance CompanyAverage Monthly Quote
State Farm$94
USAA$114
GEICO$141
Auto-Owners$159
Travelers$163
Allstate$208
Farmers$210
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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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 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]

  • 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, 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.

Insurance CompanyAverage Monthly Quote
State Farm$71
USAA$86
GEICO$106
Auto-Owners$120
Safeco$136
Allstate$157
Farmers$159
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

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.

Insurance CompanyAverage Monthly Quote
State Farm$75
USAA$92
GEICO$113
Auto-Owners$128
Safeco$146
Allstate$167
Farmers$169
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

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.

Insurance CompanyAverage Monthly Quote
State Farm$105
USAA$127
GEICO$158
Auto-Owners$178
Safeco$203
Allstate$233
Farmers$235
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

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.

Insurance CompanyAverage Monthly Quote
State Farm$33
USAA$40
GEICO$50
Auto-Owners$56
Safeco$64
Allstate$74
Farmers$75
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

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.

Insurance CompanyAverage Monthly Quote
State Farm$77
USAA$94
GEICO$117
Auto-Owners$131
Safeco$150
Allstate$172
Farmers$174
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.

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.

Find Car Insurance in Jonesboro, Arkansas

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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.

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?

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.

CityAverage Monthly QuoteCompared to Jonesboro
Conway$274-22%
Fayetteville$286-19%
Fort Smith$267-24%
Jacksonville$266-24%
Little Rock$310-12%
Rogers$263-25%
Springdale$293-17%

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?

    On average, Jonesboro drivers spend $238 per month for car insurance. Liability-only coverage costs $186 per month, and full-coverage insurance is $351 per month on average. Your specific premium depends on your insurer, driving record, credit history, age, and more.

  • Who has the cheapest car insurance in Jonesboro?

    State Farm, USAA, and GEICO have the cheapest car insurance in Jonesboro on average. You can get liability-only insurance from State Farm for $53 per month, USAA for $64, and GEICO for $141. Comparing multiple quotes at once before deciding on your policy can help you find the most affordable coverage for your needs.

  • 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 4.4 and an A++ (Superior) rating from A.M. Best, State Farm is the best option in Jonesboro. Coverage starts at $53 per month for liability and $94 per month for full coverage. USAA and GEICO also have A++ ratings from A.M. Best and each earned IQ Scores of 4.3.

  • Is car insurance cheaper in Arkansas?

    Arkansas drivers pay $216 per month on average for car insurance. Full-coverage insurance costs $284 per month, and liability coverage costs $162 per month. By comparison, the national average is $212 per month ($253 for full coverage and $170 for liability). At $244 per month, drivers in Missouri pay more than Arkansas drivers. Tennessee drivers pay $184 per month.

  • 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." Accessed June 12, 2023
  2. Arkansas Insurance Department. "Consumers FAQ: Private Passenger Automobile Insurance." Accessed June 12, 2023
  3. Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?." Accessed June 12, 2023
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed June 12, 2023
  5. Arkansas Department of Finance and Administration. "DUI/DWI Information." Accessed June 12, 2023
  6. Insurance Information Institute. "Senior driving safety and insurance tips." Accessed June 12, 2023
  7. Insurance Information Institute. "Auto insurance for teen drivers." Accessed June 12, 2023
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.

Featured in

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