Cheapest Auto Insurance in Russellville, Arkansas (2024)

Drivers in Russellville pay an average of $155 per month for auto insurance, which is lower than the Arkansas state average of $179 and the national average of $159.

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.

Best insurer for cheap rates: State Farm

Best insurer for military families: USAA

Best insurer for discounts: GEICO

Find Cheap Car Insurance in Russellville, Arkansas

Liability insurance starts at $25 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 $25.

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 $53 per month.

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]

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.

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  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.

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.

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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