Cheapest Car Insurance Quotes In Jonesboro, AR For 2024

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.

How Much Is Car Insurance In Jonesboro, AR?

Auto-Owners 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, Auto-Owners’ rates are notably cheaper.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Average Car Insurance Rates By Age In Jonesboro

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

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?

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.