Cheapest Auto Insurance in Russellville, Arkansas (2026)

Drivers in Russellville pay an average of $110 per month for auto insurance, which is lower than the Arkansas state average of $111 and the national average of $136.

Russellville’s relatively low population may in part explain the area’s below-average cost of car insurance.^[1] Drivers in suburban and rural areas typically pay lower rates than residents living in urban areas. 

However, your premium will depend on your driving record, coverage needs, and more. Comparing quotes from multiple insurers will help you find the cheapest rates.

Here’s what you need to know about finding auto coverage in Russellville.

3 of the cheapest car insurance companies in Russellville

Russellville has low insurance premiums overall, making it easy for drivers in the area to find affordable car insurance. However, a few top auto insurance companies offer quality coverage options at affordable prices. The best insurer for you depends on several factors, including your coverage needs, discounts you might be eligible for, and your budget.

These three companies offer some of the cheapest car insurance in Russellville. The average quotes below reflect statewide averages in Arkansas.

Insurance Company	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.	Full Coverage	Liability Only	Best for
State Farm	9.3	$88	$44	Cheap rates
USAA	9.1	$106	$53	Military families
GEICO	9.2	$132	$66	Discounts

Disclaimer: Table data sourced from real-time Russellville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Russellville may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

Cheap Rates

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User Reviews	4.0 7,176 reviews
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.	$40/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.	$81/mo

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Driver Reviews

4.0

Best choice in Russellville, ARBased on 15,788 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Russellville for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Russellville for

Customer service

Competitive rates

Discounts for safe drivers

Showing 20 Arkansas reviews for Russellville drivers - See all 7,176 State Farm reviews

Christopher

Verified Review

I have no wrecks and no tickets.

Reviewed in Arkansas on February 16, 2026

$200 is way too much for someone with a clean driving record.

William

Verified Review

Shop and Save

Reviewed in Arkansas on January 28, 2026

Insured with State Farm for 50 years, and they sell what makes them the most. The price is too high.

Debra

Verified Review

Two on disability, one on limited retirement funds, one working at Walmart!

Reviewed in Arkansas on January 11, 2026

I have not had to make a claim yet, but in the three years we have lived in Arkansas, our car insurance has been terribly high. We also have homeowners insurance. It has gone up so high that we are reaching the point of having it pulled way back to about nothing. I have a really hard time believing that both of these are appropriate. I have seen our insurer's new office. It is ridiculously fancy. While we struggle out here, the prices just keep going up. It greatly saddens me that they are this way.

James

Verified Review

Stay away from State Farm!

Reviewed in Arkansas on January 8, 2026

Stay clear of State Farm! The agent never contacts you when you have a problem, and rates continue to rise with no accidents or claims.

Stanley

Verified Review

Total Dissatisfaction

Reviewed in Arkansas on December 8, 2025

The payment goes up every month on a six-month service. It's ridiculous.

Douglas

Verified Review

Good

Reviewed in Arkansas on November 23, 2025

Rather expensive.

Tina

Verified Review

Price

Reviewed in Arkansas on November 23, 2025

It's too high.

Altha

Verified Review

Good insurance, but expensive

Reviewed in Arkansas on October 16, 2025

You'll pay a high price for your policy.

Kevin

Verified Review

Excellent

Reviewed in Arkansas on September 29, 2025

They are really friendly and try to help you as best they can.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm offers the cheapest average rates in Russellville for both liability-only and full-coverage insurance. It has high customer satisfaction, ranking among the top companies in the region. State Farm has plenty of sought-after coverage options and a discount program for exhibiting safe driving habits.

Pros

• Cheapest rates in Russellville

• Strong customer satisfaction ranking in the J.D. Power 2023 U.S. Auto Insurance Study

• Usage-based discount for safe drivers

Cons

• Gap insurance not available

• Fewer available discounts than other insurers

• Above-average number of customer complaints

Best insurer for military families: USAA

Military Families

Compare Quotes

User Reviews	4.9 1,477 reviews
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.	9.1 /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.	$49/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.	$97/mo

Show Details

Driver Reviews

4.9

Best choice in Russellville, ARBased on 3,128 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Russellville for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Russellville for

Members of the military community

Outstanding customer service

Competitive rates

Showing 6 Arkansas reviews for Russellville drivers - See all 1,477 USAA reviews

Renae

Verified Review

Excellent

Reviewed in Arkansas on March 3, 2026

Astronomical rates that keep rising on my 2016 car. Monthly premium rates are too high.

Ida

Verified Review

Rate Increases

Reviewed in Arkansas on January 9, 2026

I have never filed a claim, but the rates just keep going up.

Ida

Verified Review

USAA

Reviewed in Arkansas on December 23, 2025

No claims, yet the price continues to climb.

Leslie

Verified Review

Shopping for better rates

Reviewed in Arkansas on November 30, 2025

Started out good, then prices started to increase. After an at-fault accident, my premium went through the ceiling. Haven't had any claims. Looking for a better rate.

Rick

Verified Review

Great company, but seems a little pricey

Reviewed in Arkansas on October 10, 2025

Great experience, except for the pricing. Two vehicles, both Liability Only minimum policies, one minor incident (hit by another vehicle, no injuries, 2 years and 10 months ago) still almost $100 for coverage with low yearly mileage.

Shandra

Verified Review

Helpful in Difficult Times

Reviewed in Arkansas on March 21, 2025

When I was 22, I was hit by a drunk driver. They assisted me in overcoming that difficult situation.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA is an insurance company for current, former, and reserve military members and their families. It also offers an extensive suite of financial services. It has affordable rates and excellent customer satisfaction. USAA has a financial strength rating of A++ (Superior) from AM Best.

Pros

• Highly rated customer satisfaction in Arkansas

• Usage-based and pay-per-mile savings programs

• Discounts specific to military families

Cons

• Only available to military members, veterans, and their families

• Fewer available discounts than other insurers

• Limited number of available coverages, including no gap insurance

Best insurer for discounts: GEICO

Discounts

Compare Quotes

User Reviews	4.0 7,420 reviews
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.	9.2 /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.	$61/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.	$121/mo

Show Details

Driver Reviews

4.0

Best choice in Russellville, ARBased on 16,013 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Russellville for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Russellville for

Teen drivers

Cheap rates

Accident forgiveness

Showing 8 Arkansas reviews for Russellville drivers - See all 7,420 GEICO reviews

Brent

Verified Review

Geico isn't great

Reviewed in Arkansas on February 25, 2026

Geico has been steadily raising our rate, and we have no accidents or tickets. I went to switch to Progressive, who saved me a considerable amount of money, but when my wife got on with Geico to cancel, they said we were on an old system and she could beat Progressive by $100. My wife said yes, and we are paid for the year. I would have happily paid Progressive the extra $100 to get away from Geico.

Belinda

Verified Review

Insurance rates not as cheap as you think

Reviewed in Arkansas on February 12, 2026

I was late on my payment, and that caused it to at least double. I'm on a fixed income, so coming up with more money for insurance is just not in my budget.

Teresa

Verified Review

Geico Insurance is the Best

Reviewed in Arkansas on December 9, 2025

My advice to anyone considering Geico is that they are a great insurance company.

James

Verified Review

I have had very good luck with my current insurance company. I do not wish to change.

Reviewed in Arkansas on November 20, 2025

Very good experience, helpful, and knowledgeable about the product.

Judie

Verified Review

Terrible. They cut my insurance off because they emailed me asking for documents to prove that someone did not drive my car. I am 65 and since retired, I don't check my emails regularly. There was no contact by mail or phone. I was driving around with no insurance and didn't know it. The person they needed information on lives three and a half hours away and owns the house I live in.

Reviewed in Arkansas on October 14, 2025

Terrible. They cut my insurance off because they emailed me asking for documents to prove that someone did not drive my car. I am 65 and since retired, I don't check my emails regularly. There was no contact by mail or phone. I was driving around with no insurance and didn't know it. The person they needed information on lives three and a half hours away and owns the house I live in.

Mary

Verified Review

Love Geico

Reviewed in Arkansas on October 5, 2025

I really like this company. They've been really good to me.

Jana

Verified Review

I Dislike Geico

Reviewed in Arkansas on October 4, 2025

If you have an accident claim, you better hope you have video footage of every second. We got hit from behind and the person fled the scene. I hit the person in front of me, and they didn't have damage, so they left. There was nothing I could do. I hadn't even thought about taking photos yet. It took 4 months for them to come to an arrangement for us and ended up telling me that they don't believe someone hit us from behind, so they weren't covering that damage. And since I hit the person in front of me from the impact, I now have an "At fault" accident on my record. The claims people were hard to get a hold of. If I mentioned getting a lawyer, they'd respond quickly. Yes, they have cheap monthly payments, but that's because they won't pay out if you have an accident.

Susan

Verified Review

Switch today to GEICO!

Reviewed in Arkansas on September 28, 2025

Hunter Mays at the Bentonville, AR local office is thorough, kind, and gets the job done quickly. Thank you, Hunter.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO helps customers in Russellville save money by combining affordable premiums with many discount options. You can save between 3% and 25% on your premiums for everything from driving a safe vehicle to being a loyal customer, according to the GEICO website.

The company also has some of the best digital tools of any insurer, thanks to its intuitive and feature-packed website and mobile apps.

Pros

• More available discounts than most competitors

• Highly rated digital tools

• Usage-based discount for safe drivers

Cons

• Gap insurance not available

• Below-average J.D. Power customer satisfaction ranking in the Central region

• Above-average number of customer complaints

Find Cheap Car Insurance in Russellville, Arkansas

Liability insurance starts at $40 per month

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How to get the cheapest car insurance in Russellville

You can take a few steps to find the cheapest auto insurance rates for your coverage needs:

• Shop around for rates. Before signing up for an insurance policy, get quotes from multiple different companies to find the cheapest one for your situation. While some companies may be the cheapest for most drivers, that doesn’t mean they’re the cheapest for you.

• Choose the right coverage. When selecting your coverage type and limits, make sure yours is sufficient to cover any incidents but not so high that you’re overpaying for insurance or choosing coverages you don’t need.

• Raise your deductible. Generally speaking, the higher your deductible, the lower your premiums. Because a higher deductible means you’ll pay more out of pocket for a claim, insurance companies usually offer lower rates.

• Save with discounts. Nearly all top insurance companies offer discounts for drivers. Some common discounts are available for vehicle safety features, up-front payments, students with good grades, loyal customers, and more.

• Bundle your insurance policies. If you have other insurance products, including homeowners insurance, renters insurance, or even life insurance, you may be able to save by bundling them with your auto insurance policy.^[3]

Cheapest liability-only car insurance in Russellville: State Farm

Like most states, Arkansas requires drivers to purchase a minimum amount of liability insurance. If you cause an accident, this insurance covers the other driver’s property damage and bodily injury. It doesn’t cover any of your medical expenses or vehicle repair costs.^[4]

A liability-only policy is the cheapest type of policy you can get. However, many drivers will want to purchase additional coverage for vehicle protection.

The table below breaks down the cheapest liability-only insurance policies in Russellville. As you can see, State Farm offers the cheapest liability-only policies in Arkansas, with a monthly rate of $40.

The below rates in Russellville, AR, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$40
USAA	$49
GEICO	$61
National General	$62
Root	$63
Auto-Owners	$69
Safeco	$75
GAINSCO	$78
Direct Auto	$78
Shelter	$88
Allstate	$90
Nationwide	$91
Farmers	$91
The General	$96
Travelers	$96
Dairyland	$100
Bristol West	$118
Liberty Mutual	$130

Disclaimer: Table data sourced from real-time Russellville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Russellville may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Russellville: State Farm

Full-coverage insurance includes liability, collision, and comprehensive insurance and provides protection for your vehicle. This coverage type has costlier premiums than liability insurance, but it can save you money if you have a car accident or face vehicle damage.

It’s a good idea to purchase this coverage if you drive a new or valuable vehicle or don’t have significant savings. Your lender will likely require you to buy it if you have a loan or lease on your vehicle.

Below, you can find the cheapest full-coverage insurers in Russellville. Drivers can find the cheapest full-coverage insurance from State Farm, with a rate of $81 per month.

The below rates in Russellville, AR, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$81
USAA	$97
Root	$115
GEICO	$121
National General	$133
Direct Auto	$135
Auto-Owners	$137
Safeco	$138
Shelter	$176
Allstate	$179
Nationwide	$180
Farmers	$181
GAINSCO	$188
Travelers	$190
Liberty Mutual	$195
The General	$219
Dairyland	$254
Bristol West	$288

Disclaimer: Table data sourced from real-time Russellville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Russellville may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Arkansas

Arkansas is an at-fault state, meaning the driver that causes an accident is responsible for all resulting injury and damages. The state requires all drivers to carry both bodily injury and property damage liability insurance.

Arkansas also requires insurance companies to offer drivers the opportunity to purchase uninsured motorist, underinsured motorist, and personal injury protection (PIP) coverage — though you can choose not to buy the coverage.

Here are the specific car insurance requirements in Arkansas:^[5]

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$25,000 per accident

In addition to the required insurance coverage you need to carry in Arkansas, you may want to consider purchasing more coverage for further protection. Common optional coverages include the following:

• 

  Uninsured/underinsured motorist coverage

  If you have an accident with a driver who doesn’t have any or enough auto coverage, uninsured/underinsured motorist coverage can pay for the resulting medical expenses. Insurers in Arkansas must offer you this coverage.

• 

  Personal injury protection (PIP) coverage

  PIP insurance pays for medical bills and other injury-related costs, including lost wages. Your PIP protects you regardless of fault in an accident.

• 

  Collision coverage

  Collision coverage pays for damage to your vehicle after a collision with another vehicle or object, regardless of fault.

• 

  Comprehensive coverage

  If a non-collision incident — like severe weather, theft, or vandalism — damages your vehicle, comprehensive coverage can pay the costs to replace or repair your vehicle.

Cheapest car insurance for drivers with an incident

Your insurance premium depends on how much risk you pose. The cleaner your driving record, the lower your risk profile. Having an incident on your record — such as an at-fault accident, speeding ticket, DUI, or another moving violation — typically results in insurance companies charging higher premiums.

In most cases, a more serious violation will result in higher premiums. For example, a very severe violation like a DUI usually leads to more of a premium increase than a single speeding ticket. In Arkansas, drivers receive points on their record for violations, generally between three and eight points.^[6]

Here are the average costs of liability insurance for Russellville residents by driving record.

The below rates in Russellville, AR, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
State Farm	$40	$51	$52	$57
USAA	$49	$63	$65	$70
GEICO	$61	$80	$78	$86
National General	$62	$77	$81	$88
Root	$63	$84	$83	$91
Auto-Owners	$69	$90	$90	$98
Safeco	$75	$99	$104	$114
GAINSCO	$78	$93	$99	$111
Direct Auto	$78	$98	$105	$111
Shelter	$88	$117	$117	$126
Allstate	$90	$117	$119	$128
Nationwide	$91	$118	$121	$130
Farmers	$91	$117	$120	$130
The General	$96	$128	$131	$137
Travelers	$96	$125	$128	$137
Dairyland	$100	$125	$130	$142
Bristol West	$118	$149	$153	$168
Liberty Mutual	$130	$166	$171	$185

Disclaimer: Table data sourced from real-time Russellville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Russellville may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Age is a significant factor that insurers use to determine insurance premiums. Young drivers — especially teenagers — tend to pay the highest insurance premiums due to a lack of driving experience.

Starting around age 35, insurance premiums decrease with age, thanks to more time spent behind the wheel. Senior drivers age 70 and older may face higher rates due to aging-related risk factors.

The table below shows the average insurance premiums for Russellville residents by driver age.

Age	Average Monthly Quote
Teens	$311
20s	$385
30s	$359
40s	$304
50s	$228
60s	$160
70s	$119

Disclaimer: Table data is based on real-time Russellville quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Russellville car insurance quotes by credit tier

Your credit score can influence how much you pay for car insurance because insurers view credit history as an indicator of risk. The lower a driver’s credit score, the higher their chances of filing an insurance claim. As a result, drivers with poor credit often pay higher insurance premiums.

Meanwhile, a driver with good or excellent credit will likely earn lower premiums. You can see in the table below how a driver’s credit score can affect their insurance premiums.

Russellville car insurance FAQs