Cheapest Car Insurance Quotes In Jonesboro, AR For 2024

In Jonesboro, Southern Farm Bureau provides the most affordable choice, priced at an average of $23 per month.

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Updated: 21 May 2024
Written by
Bob Phillips
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In Jonesboro, AR, there are several options for affordable car insurance, but Southern Farm Bureau is known for its competitive prices. On average, residents there pay about $23 per month, which is much lower than the state average of $110.

If you’re seeking the cheapest liability-only coverage, Southern Farm Bureau is your top pick. However, if you need more extensive protection, Auto-Owners offers full coverage policies at the most affordable rates, priced at $47 per month. On the flip side, for young drivers looking for budget-friendly rates, USAA offers coverage at $105 per month.

Cheapest Car Insurance Companies In Jonesboro, AR

Cheapest Car Insurance Companies In Jonesboro, AR

Our Methodology

After working as an authorized insurance agent for more than 15 years, I've carefully studied the car insurance scene in Jonesboro, AR. My insights stem from comprehensive research covering factors like customer service ratings, available products, pricing, and a deep dive into online reviews and feedback. Throughout my career, I've engaged with representatives from multiple companies, gaining valuable firsthand knowledge that has influenced my understanding of the industry.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Jonesboro, AR?

Southern Farm Bureau provides affordable car insurance in Jonesboro, AR, starting at $122 per month. However, when you look at the average rates in Arkansas and across the whole United States, shown in the table below, rates are notably cheaper.

Area Average Monthly Rate
National $152
Arkansas $110
Jonesboro, AR $122

It’s important to understand that the national average cost considers a mix of states, including pricey ones like New York, New Jersey, and California, as well as more affordable ones like Mississippi, Kentucky, and Wyoming. Prices can differ a lot based on factors such as the type of vehicle, how much coverage you want, where you live, your driving record, and more, causing rates to vary depending on your location.

Cheapest Car Insurance Rates In Jonesboro For Minimum Coverage

Southern Farm Bureau is the cheapest option for basic car insurance in Jonesboro. On average, it costs around $23 per month.

Provider Average Monthly Cost Average Annual Cost

Travelers

$42

$501

Southern Farm Bureau $23 $287

Farmers

$42

$501

GEICO

$43

$514

Nationwide

$33

$394

Your basic car insurance should have these coverage types at a minimum:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage per accident

Maintaining basic car insurance gives you some coverage while you’re on the road, but it doesn’t cover collisions or comprehensive protection. So, if your vehicle gets damaged due to accidents, theft, or natural calamities, you’re not covered.

Additionally, it’s illegal to drive without insurance in Arkansas. If you can’t show proof of insurance when pulled over, you might have to deal with penalties like fines, losing your license, or facing even harsher repercussions.

Cheapest Car Insurance Rates In Jonesboro For Full Coverage

Auto-Owners offers the cheapest rates for full car insurance in Jonesboro, with an average monthly cost of $47.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $47 $562

Nationwide

$73

$874

GEICO

$96

$1,150

State Farm

$82

$982

Farmers

$90

$1,078

Full coverage auto insurance extends beyond what’s legally mandated, providing thorough protection. It usually encompasses both comprehensive and collision insurance.

Comprehensive insurance guards against non-collision incidents such as theft, vandalism, or harm from natural disasters. Collision insurance ensures financial coverage for vehicle damage caused by accidents, irrespective of fault.

Cheapest Car Insurance Rates In Jonesboro For Young Adults

Young adults living in Jonesboro have access to some of the cheapest insurance quotes provided by USAA, typically costing about $105 per month on average.

Provider Average Monthly Cost Average Annual Cost
Farmers $166 $1,994
Southern Farm Bureau $190 $2,279
USAA $105 $1,258
State Farm $145 $1,734
Geico $147 $1,762

In Arkansas, young adults usually get cheaper car insurance than teenagers. This difference in cost is because as drivers get older, they tend to develop safer driving habits and take fewer risks behind the wheel.

When you look at the numbers, young adults are not as likely to make insurance claims, meaning they’re less involved in accidents. So, insurance companies lower their prices since these older drivers have better safety records and are less likely to need to file a claim.

Cheapest Car Insurance Rates In Jonesboro For Seniors

Hanover offers the cheapest car insurance prices for older folks in Jonesboro, with typical rates averaging $54 every month.

Provider Average Monthly Cost Average Annual Cost

State Farm

$72

$862

Progressive

$100

$1,198

Nationwide

$68

$814

Auto-Owners

$62

$742

Hanover

$54

$646

In Arkansas, older folks could get better deals on car insurance due to various reasons. While age often plays a role in insurance costs, assuming that older drivers are always worse at driving isn’t necessarily true.

Cheapest Car Insurance Rates In Jonesboro For Teenagers

Young drivers residing in Jonesboro have the opportunity to secure budget-friendly insurance quotes through Southern Farm Bureau. On average, they can expect to pay around $231 per month for their premiums.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners Insurance $328 $3,934
State Farm $268 $3,214
Shelter $312 $3,742
Southern Farm Bureau $231 $2,777
USAA $245 $2,934

Young drivers typically encounter the steepest car insurance costs, largely because they have less time behind the wheel. Insurance providers view these adolescents as risky to insure, as studies show they’re more likely to get into accidents or break traffic laws.

Cheapest Car Insurance Rates In Jonesboro For Good Drivers

Residents of Jonesboro who drive responsibly have access to affordable car insurance quotes from Southern Farm Bureau, typically around $23 monthly on average.

Provider Average Monthly Cost Average Annual Cost

Travelers

$42

$501

Southern Farm Bureau $23 $287

Farmers

$42

$501

GEICO

$43

$514

Nationwide

$33

$394

In Jonesboro, drivers who have clean driving histories usually get cheaper car insurance. This is because they’re seen as less likely to get into accidents or break traffic rules, making them lower-risk customers. Insurance companies check driving records to gauge how safely someone drives. If a driver hasn’t had any accidents or violations, it indicates they’re careful and probably won’t need to make a claim.

Insurers set their prices based on how likely it is that a driver will make a claim. So, if you have a clean driving record, you could save a lot on your insurance premiums. It all comes down to assessing risk – the better your record, the less risk you pose, and the less you’ll pay for insurance.

 

Cheapest Car Insurance Rates In Jonesboro For Drivers With Prior Incidents

In Jonesboro, people who have gotten into accidents, got speeding tickets, or were charged with DUIs find it hard to get cheap car insurance. Because of these driving mistakes, insurance companies see them as risky drivers, meaning they might make more claims in the future. So, the insurance companies charge them more to cover the possibility of paying out more claims.

Cheapest Car Insurance Rates In Jonesboro For Drivers With A Speeding Ticket

State Farm stands out for its affordability compared to other insurers, offering an average monthly rate of $105, which is quite reasonable when compared to other options in the market.

Provider Average Monthly Cost Average Annual Cost
State Farm $105 $1,258
Geico $218 $2,620
Nationwide $212 $2,542
Farm Bureau $123 $1,472
Shelter $175 $2,099

Cheapest Car Insurance Rates In Jonesboro For Drivers With An At-Fault Accident

State Farm provides affordable car insurance quotes for drivers who have been at fault in incidents. On average, these quotes amount to approximately $112 per month.

Provider Average Monthly Cost Average Annual Cost
Nationwide $270 $3,238
State Farm $112 $1,343
Farmers $264 $3,166
Farm Bureau $140 $1,678
Shelter $240 $2,878

Cheapest Car Insurance Rates In Jonesboro For Drivers After A DUI

Farm Bureau has the best prices for drivers in Jonesboro who have had a DUI, with monthly rates averaging at $130.

Provider Average Monthly Cost Average Annual Cost
Allstate $266 $3,190
Farm Bureau $130 $1,558
Shelter $215 $2,578
Progressive $227 $2,722
Farmers $254 $3,046

Best Car Insurance Companies In Jonesboro

For folks driving in Jonesboro, picking the best car insurance means more than just getting a good deal; it’s about having reliable coverage when you hit the road. Check out these top 10 car insurance companies in Jonesboro, AR, sorted by their typical monthly rates.

Company Monthly Premium
USAA $83
Auto-Owners $140
Southern Farm Bureau $93
State Farm $101
Direct Auto $101
Safeco $103
Farmers $147
Automobile Club of Missouri $138
Nationwide $118
Direct General $70

Average Car Insurance Rates By Age In Jonesboro

Age Average Yearly Rate
Teenagers $2,566
20s $1,800
30s $1,176
40s $1,032
50s $960
60s $960
70s $1,080

Age plays a big role in determining how much you pay for car insurance. If you’re a young driver, like a teenager or someone in their early twenties, you’re likely to pay more because you haven’t had much experience behind the wheel yet. Insurance companies see younger drivers as riskier because they’re more likely to get into accidents or break traffic rules.

Once you hit 25, though, you might see your rates start to drop, as long as you’ve been driving safely. The best deals on insurance usually go to people in their fifties and early sixties. Insurance companies figure out your rates based on your age because it gives them an idea of how experienced you are and how likely you are to make a claim.

Average Car Insurance Rates By Vehicle Type In Jonesboro

Vehicle Average Monthly Rate
Chevrolet Tahoe $138
Chevrolet Equinox $136
Kia Soul $95
Hyundai Santa Fe $150
Ford Edge $210

The kind of vehicle you have plays a big role in how much you’ll pay for car insurance. Insurance companies look at things like what brand, model, year, and body style your car is. Generally, newer cars, especially fancy ones with lots of high-tech features and expensive parts, usually mean higher insurance costs.

But if you have an older car or one that’s cheaper to fix or replace, your insurance might be cheaper. Insurers think about these things because they affect how much money they might have to pay out for claims – fixing up a luxury car is usually more expensive than a regular one. Also, some car models that are known for being safe might get you a discount on insurance because they’re less likely to get into accidents or cause injuries.

 

How Much Is Car Insurance For Other Cities In Arkansas?

City Average Monthly Rate
Monticello $100
North Little Rock $120
Pine Bluff $121
Rogers $112
Russellville $92
Searcy $108
Arkadelphia $104
Benton $118
Conway $116
Fayetteville $114

Where you live plays a big role in how much you pay for car insurance. Insurance companies look at a bunch of stuff about your area, like how likely accidents are, how many cars get stolen, and how often vandalism happens. Cities usually have more of these issues, so people who live there usually pay more for insurance.

FAQs

Who has the lowest car insurance rates in Jonesboro?

Southern Farm Bureau provides the most affordable car insurance prices in Jonesboro for the basic coverage mandated by the State of Arkansas. Meanwhile, Auto-Owners offers comprehensive coverage, encompassing both comprehensive and collision protection, at competitive rates.

What is the average cost of car insurance in Jonesboro?

In Jonesboro, the typical monthly expense for car insurance is around $122. The price you pay can fluctuate depending on where you live, the make and age of your vehicle, your driving history, and other relevant factors.

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