The best car insurance in Jonesboro, AR

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Laura GunnLaura GunnFreelance contributorLaura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.&Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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The average cost of full coverage car insurance in Jonesboro is $1,744 a year, slightly below the Arkansas state average of $1,768. But that's no guarantee for individual rates — things like your age, credit score and driving history will also affect how much you pay.

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Ready to start shopping? Policygenius can help you see rates from top companies so you can compare options and choose the best policy for you.

Key takeaways

  • USAA has the lowest average rate for full coverage car insurance in Jonesboro at $945.

  • 72404 is the cheapest ZIP code for car insurance in Jonesboro. 

  • Arkansas requires a minimum of $25,000 per person/$50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage.

Cheapest car insurance companies in Jonesboro, AR

Every car insurance company uses a different internal system to calculate your rates, which is why you’ll get very different quotes from different companies, even for the same exact coverage.

Company

Average cost

JD Power Rating

USAA

$945

890

State Farm

$973

882

Travelers

$1,234

854

GEICO

$1,262

874

Nationwide

$1,283

868

Cheapest car insurance rates by ZIP code in Jonesboro, AR

One of the most important factors in determining car insurance rates is your ZIP code. Things like crime rates, frequency of traffic accidents, and even off-street parking are used to determine rates where you live.

ZIP code

Average cost

72404

$1,718

72401

$1,737

72405

$1,776

Choosing the right car insurance company in Jonesboro, AR

Choosing a car insurance policy doesn't have to be overly complicated. There are a few key factors to consider when picking a car insurance company:

  • Cost: Different companies charge different rates for similar coverage, that's why it's important to look at quotes from multiple insurance companies to find the best rate

  • Coverage: Make sure the company you choose offers the coverage you need. If you need multiple policies, ask about bundling options

  • Customer service: Do a little research on the insurance company itself. Read customer reviews and ratings to see how the company stacks up

If you're ready to start shopping, Policygenius can help you compare quotes from top car insurance companies.

Car insurance rates for drivers with driving violations in Jonesboro, AR

Car insurance companies also review a driver's driving history and when determining car insurance rates. Drivers with speeding tickets or other moving violations will pay higher car insurance rates, so if you know you have a recent accident or ticket, make sure to take extra time to shop around to find affordable coverage.

Violation

USAA

State Farm

Travelers

GEICO

Nationwide

At-fault accident

$1,401

$1,139

$1,757

$1,861

$2,238

DUI

$1,898

$1,055

$1,944

$1,406

$3,961

Suspended license

$1,847

$1,055

$2,804

$2,055

$3,961

Open container

$1,438

$1,055

$1,664

$1,406

$1,433

Expired registration

$1,186

$1,055

$1,664

$1,365

$1,433

Driving without lights

$1,186

$1,055

$1,664

$1,403

$1,433

Running a red light

$1,186

$1,055

$1,664

$1,403

$1,433

Following too closely

$1,186

$1,055

$1,664

$1,403

$1,433

Hit and run

$1,944

$1,055

$1,944

$1,406

$3,961

Not-at-fault accident

$998

$988

$1,317

$1,167

$1,329

Passing a school bus

$1,327

$1,055

$1,944

$1,403

$1,433

Reckless driving

$1,706

$1,055

$1,944

$1,406

$3,961

Speeding

$1,186

$1,055

$2,107

$1,406

$1,433

Collapse table

Cheapest car insurance for drivers with bad credit in Jonesboro, AR

In most U.S. states, car insurance companies are allowed to use a driver's credit score as one of the determining factors in calculating rates. When this is the case, drivers with lower credit scores can expect to pay higher rates.

Company

Rates for drivers with bad credit

USAA

$1,752

GEICO

$1,793

Nationwide

$2,015

Travelers

$2,327

Automobile Club Inter-Insurance Exchange

$2,490

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Buying car insurance in Jonesboro, AR

In Arkansas, the minimum state required car insurance coverage is $25,000 per person/$50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage.

Additionally, Arkansas is an at-fault state. That means that the insurance company of the driver who is at-fault in an accident is responsible for paying the other party’s repair bills or medical expenses, up to the at-fault driver’s policy limits.

How to get cheap car insurance in Jonesboro, AR

There are plenty of ways to offset the cost of coverage and find cheaper auto insurance, no matter who you are:

  • Ask about discounts

  • Bundle your auto and home or renters policies with the same company

  • Reduce coverage on older cars

  • Maintain a good credit score or repair low credit

  • Drive safely and avoid moving violations

Frequently asked questions

Is car insurance in Arkansas too expensive?

Drivers in Arkansas pay an average of $1,768 per year for car insurance, which is slightly more than the national average. Arkansas drivers can save money on their car insurance by comparing quotes from multiple companies, keeping their driving record clean, and taking advantage of company discounts.

Does Arkansas require car insurance?

Yes. Arkansas requires a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage and property damage liability coverage of at least $25,000.

How do Arkansas car insurance rates compare to the national average?

The average cost for full coverage car insurance in the state of Arkansas is $1,768. This is about $130 higher than the national average in the U.S., which comes in at $1,638.

How much is car insurance per month in Arkansas?

Drivers in Arkansas pay an average of $1,768 per year for car insurance, which breaks down to $147 per month.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Authors

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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