The best car insurance in Jonesboro, AR

Laura Gunn

By

Laura Gunn

Laura Gunn

Freelance contributor

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.

Published November 12, 2021

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The average cost of full coverage car insurance in Jonesboro is $1,737 a year, slightly below the Arkansas state average of $1,772. 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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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

$1,065

881

GEICO

$1,258

871

Auto-Owners Insurance

$1,312

890

Travelers

$1,428

861

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

72401

$1,737

72404

$1,716

72405

$1,760

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

GEICO

Auto-Owners Insurance

Travelers

At-fault Accident

$1,401

$1,268

$1,878

$2,231

$2,028

DUI

$1,898

$1,175

$1,400

$2,931

$2,238

Driving with a suspended license

$1,847

$1,175

$2,045

$2,931

$3,208

Driving with an open container

$1,438

$1,175

$1,400

$1,584

$1,928

Driving with expired registration

$1,186

$1,175

$1,368

$1,584

$1,928

Driving without Lights

$1,186

$1,175

$1,406

$1,584

$1,928

Failure to show documents

$1,186

$1,175

$1,368

$1,584

$1,928

Failure to stop at a red light

$1,186

$1,175

$1,406

$1,584

$1,928

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

$1,796

Nationwide

$2,328

Farmers

$2,522

Auto Club Group

$2,568

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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

I'm about to turn 25, will my rates increase or decrease?

It's common for drivers to see car insurance rates decrease after they turn 25, but it's not a guarantee. A lot of that depends on a combination of other factors, like your driving history and where you live.

What's considered a bad credit score?

Credit scores fall on a scale that ranges from 300 to 850. Poor credit is usually anywhere between 500 and 600. Credit scores lower than 500 are considered very poor.

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 $1,772. This is about $100 higher than the national average in the U.S., which comes in at $1,674.

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.