Cheapest Auto Insurance in Russellville, Arkansas (2024)

State Farm has the cheapest liability car insurance in Russellville, with a rate of $24 per month.

Erin Gobler
Written byErin Gobler
Erin Gobler
Erin Gobler
  • 5+ years of finance writing experience 

  • Certificate of financial planning from Boston University

Erin is a personal finance writer and journalist with work featured in major publications. Her writing explores investing, credit cards, mortgages, insurance, and more.

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Katie 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 14, 2024 at 7:34 AM PST

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Drivers in Russellville pay an average of $132 per month for auto insurance, which is lower than the Arkansas state average of $158 and the national average of $155.

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.

Quick Facts
  • State Farm has the cheapest car insurance in Russellville, with monthly rates of $24 for liability insurance and $48 for full-coverage insurance.

  • On average, Russellville drivers pay $83 per month for liability-only insurance and $181 for full-coverage insurance.

  • Arkansas is an at-fault state, which means the driver responsible for the accident must cover the other party’s resulting medical bills and vehicle repairs.[2]

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 CompanyIQ 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.
Full CoverageLiability OnlyBest for
State Farm4.5$57$28Cheap rates
USAA4.5$69$34Military families
GEICO4.2$85$42Discounts
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for cheap rates: 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.
$24/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.
$48/mo

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

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 insurer for military families: 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.
$29/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.
$59/mo

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

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 insurer for discounts: 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.
$36/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.
$72/mo

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

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

Find Cheap Car Insurance in Russellville, Arkansas

Liability insurance starts at $24 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 $24.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm24
USAA29
GEICO36
Auto-Owners41
National General49
Safeco52
Shelter53
Allstate54
Farmers54
Nationwide54
Progressive58
Travelers58
State Auto61
Liberty Mutual66
Hallmark72
Midvale Home & Auto77
Direct Auto79
GAINSCO80
Dairyland90
The General107
Bristol West123
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 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 $48 per month.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm48
USAA59
GEICO72
Auto-Owners82
Nationwide101
Travelers105
Shelter106
Allstate107
Farmers109
Safeco113
Progressive115
National General129
Direct Auto141
Midvale Home & Auto142
State Auto165
GAINSCO168
Liberty Mutual168
Hallmark185
Dairyland196
The General216
Bristol West275
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

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]

CoverageMinimum 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:

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

    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.

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    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.

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

    Collision coverage

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

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

    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 are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm24313339
USAA29384047
GEICO36475059
Auto-Owners41555767
National General49656880
Safeco52737885
Shelter53767980
Allstate54717488
Farmers54717488
Nationwide54717588
Progressive58798495
Travelers58778195
State Auto618993100
Liberty Mutual669397108
Hallmark729795118
Midvale Home & Auto77107114126
Direct Auto79109114117
GAINSCO80103108131
Dairyland90122126147
The General107145152175
Bristol West123163168201
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.

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.

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

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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.

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.

Russellville car insurance FAQs

Before you shop around for car insurance, you should determine how much auto coverage you need. The following information should help answer your remaining questions about finding insurance in Russellville.

  • How much is car insurance in Russellville?

    The overall cost of car insurance in Russellville is $132 per month. Drivers in the city pay $83 per month for liability coverage and $181 for full-coverage insurance, on average. Your specific premium will depend on your driving record, age, credit history, and more.

  • Which company has the cheapest car insurance in Russellville?

    State Farm has the cheapest car insurance in Russellville, with a liability coverage rate of $24 per month. The second-cheapest insurer, USAA, has a liability insurance rate of $29 per month. GEICO also offers cheap car insurance, with a monthly rate of $36. The best way to find cheap coverage is to compare quotes from multiple insurers at once.

  • What are the best car insurance companies in Russellville?

    With an Insurify Quality (IQ) Score of 4.5 out of 5, an A++ (Superior) financial strength rating from AM Best, and quality coverage, State Farm is the best car insurance company in Russellville. The average cost of State Farm car insurance in Arkansas is $53 per month for liability coverage and $111 for full-coverage insurance.

    Other top insurers include USAA and GEICO.

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. United States Census Bureau. "QuickFacts Russellville city, Arkansas." Accessed December 11, 2023
  2. NOLO. "Arkansas Car Insurance Laws." Accessed December 11, 2023
  3. Insurance Information Institute. "How to save money on car insurance." Accessed December 11, 2023
  4. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed December 11, 2023
  5. Arkansas Insurance Department. "Consumers FAQ: Private Passenger Automobile Insurance." Accessed December 11, 2023
  6. Arkansas Department of Finance and Administration. "Driver Services." Accessed December 11, 2023
Erin Gobler
Erin Gobler

Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.

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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