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Cheap Auto Insurance Quotes in West Memphis, AR (August 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Car Insurance in West Memphis, AR
The average cost of Arkansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in West Memphis, AR to find you the cheapest quotes in the area.
Quick Facts
- The average cost of car insurance in West Memphis is $223 per month, or $2676 annually.
- Car insurance in West Memphis is $42 more than the average cost of car insurance in Arkansas.
- The cheapest car insurance provider in West Memphis on average is Progressive, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
State Farm$73
Allstate$82
Nationwide$104
Direct Auto$186
The General$250
Cheapest Car Insurance in West Memphis, AR
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in West Memphis | Quotes |
|---|---|
| State Farm | $73 /mo |
| Allstate | $82 /mo |
| Nationwide | $104 /mo |
| Direct Auto | $186 /mo |
| The General | $250 /mo |
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Average Car Insurance Cost
| Arkansas Cities | |
|---|---|
| Little Rock | $190/mo |
| Fort Smith | $150/mo |
| Fayetteville | $138/mo |
| Springdale | $130/mo |
| West Memphis | $159/mo |
| Arkansas | $153/mo |
Springdale$130
Fayetteville$138
Fort Smith$150
Average for AR$153
West Memphis$159
Little Rock$190
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Arkansas
All motor vehicles operated or parked on Arkansas[1] roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Arkansas are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Arkansas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $25,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Find local West Memphis agents
David Tyler: Allstate Insurance
702 Calvin Avery Dr Ste C,
West Memphis, AR 72301Direct Auto Insurance
591 E Broadway Blvd,
West Memphis, AR 72301Julie Burns - State Farm Insurance Agent
300 N Missouri St,
West Memphis, AR 72301Guaranty Insurance Agency
245 W Broadway St,
West Memphis, AR 72301Taylor Insurance
203 N 7th St,
West Memphis, AR 72301Roberts Insurance Services
712 Calvin Avery Dr,
West Memphis, AR 72301Phil Ford - State Farm Insurance Agent
347 W Broadway,
West Memphis, AR 72301'Coleman''s Insurance'
707 E Broadway Ave,
West Memphis, AR 72301Matthew Glass Agency
330 W Broadway Suite 1,
West Memphis, AR 72301Fidelity Insurance Group Inc
330 W Broadway St,
West Memphis, AR 72301
FAQs - West Memphis, AR Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
Insurify Insights
How West Memphis Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in West Memphis, Arkansas below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how West Memphis drivers measure up to their fellow motorists across Arkansas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Nissan Altima
Most Popular Car in West Memphis
#22
City with the Most Speeding Tickets Rank in Arkansas
#22
City with the Most Moving Violations Rank in Arkansas
#26
City with the Most DUIs Rank in Arkansas
#14
City with the Most Suspended Licenses in Arkansas
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. West Memphis drivers rank 20 in the number of car accidents per driver across all cities in Arkansas.
- Rank within state: #20
- Percent of drivers in West Memphis with an accident: 6.54%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. West Memphis drivers rank 26 in the number of DUI’s per driver across all cities in Arkansas.
- Rank within state: #26
- Percent of drivers in West Memphis with a DUI: 1.2%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Arkansas, West Memphis drivers rank 8 in the number of reckless driving offenses per driver.
- Rank within state: #8
- Percent of drivers in West Memphis with a reckless driving offense: 0%
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Arkansas, West Memphis drivers rank 4 in rude driving infractions.
- Rank within state: #4
- Percent of drivers in West Memphis with a reckless driving violation: 1.45%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Arkansas, West Memphis drivers rank 22 in the number of speeding infractions per driver.
- Rank within state: #22
- Percent of drivers in West Memphis with a speeding ticket: 7.3%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; West Memphis drivers rank 14 in clean driving records across all cities in Arkansas.
- Rank within state: #14
- Percent of drivers in West Memphis with clean record: 16.52%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Insurance Content Project Manager
Tanveen Vohra is an insurance content manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.
Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.
Learn MoreSources
- Arkansas Insurance Department. "State Minimum Car insurance." Accessed May 28, 2022