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Do you need cheap auto insurance in Jonesboro, AR? At AutoInsuranceEZ.com, you will discover the very best insurance rates where you live. To obtain free car insurance quotes from the major providers today, provide your zip code into the quote box on this page.

Yet another college town, Jonesboro is home to the renowned Arkansas State University, a popular public institution where tens of thousands of students matriculate each year in the pursuit of a higher education. In addition to its educational attributes, the thriving economy of Jonesboro is flourishing in the areas of agriculture and manufacturing.

  • Fun fact: did you know that Jonesboro is #2 on the list of “Top 101 cities with largest percentage of females working in industry: Nonmetallic mineral products (population 50,000+)”? Learn more about Jonesboro, AR.

Auto Insurance Coverage Requirements in Arkansas

Arkansas drivers can expect to pay for at least this much coverage if they want to drive legally:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 25,000/50,000
Property Damage Liability 25,000 25,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Remember: Liability only covers you if the accident was deemed your fault. Any other incident, and your insurance provider won’t pay out any claims. Likewise, if you purchased a newer vehicle and you are still financing it, you lender might require you to purchase additional insurance coverage, whether you like it or not.

Your typical Arkansas motorist might end up paying around $117 in monthly premiums for your average automotive insurance policy. However, Jonesboro motorists might pay as little as $41/mo*. To learn how you can substantially lower your rate, keep reading.

Average Monthly Auto Insurance Premiums Legend: Jonesboro Farmers State Farm Liberty Mutual Nationwide Allstate 5 10 15 20 25 30 35 40 45 50 55 $42 $29 $32 $55 $49

 
Liberty Mutual, State Farm, and Farmers are offering some of the most competitive rates in the Jonesboro area. But that doesn’t necessarily mean they’re the best deal. You’ll also want to look at customer service ratings, and their claims service, before settling on or switching providers.

Auto insurance companies evaluate different variables when assessing insurance quotes, including driving experience, the type of vehicle owned, miles driven each year, how many miles you drive to/from work, and theft protection devices. Additionally, premiums differ from provider to provider. To find out whether you’re still being charged the cheapest rate, compare cheap Arkansas auto insurance quotes online.

Major Car Insurance Factors in Jonesboro

There is a number of various items which may factor into the rate quotes you are given. While many of these things aren’t actually something you can alter in your favor, a few of them are variables which you can change for the better. Here are a few components which might affect your car insurance premium:

  • Your Zip Code

The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Jonesboro is 71,551 and the median household income is $39,483.

Auto Insurance by Zip Code Legend: Little Rock Fayetteville Fort Smith Jonesboro Springdale Farmers State Farm Liberty Mutual Nationwide Allstate 5 10 15 20 25 30 35 40 45 50 55 60 65 $46 $39 $38 $42 $36 $36 $24 $27 $29 $25 $38 $32 $32 $32 $32 $65 $51 $53 $55 $51 $52 $45 $46 $49 $45

 

  • Automotive Accidents

If you live in an area with a lot of deadly accidents, you’ll be paying for it with higher car insurance premiums. In the chart below, you can see the fatal accident statistics for the Jonesboro area. While fatalities are fairly high for the population, the instances of DUI-related fatalities are thankfully low.

Fatal Accidents in Jonesboro, AR Legend: Jonesboro Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 7 8 9 10 11 4 11 2 6 11

 

  • Auto Thefts in Jonesboro

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. The total number of stolen vehicles in Jonesboro was 86 back in 2013. If you think your vehicle is at risk for auto theft, consider adding Comprehensive coverage to your policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Farmers State Farm Liberty Mutual Nationwide Allstate 15 30 45 60 75 90 105 120 135 150 165 180 $42 $107 $29 $89 $32 $194 $55 $98 $49 $169

 

  • Your Credit Score

Most drivers don’t realize how important their credit score is when determining their monthly rates. In this chart, you can clearly see that motorists with poor credit are being charged anywhere from 25-50% higher rates than those with excellent credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Farmers State Farm Liberty Mutual Nationwide Allstate 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 $33 $78 $24 $54 $27 $52 $51 $67 $42 $58

 

  • Your Age

Unfortunately, young and inexperienced teenage drivers cause some of the most frequent problems on the road. Automobile insurance companies charge them significantly higher rates in order to offset the risk. But don’t lose hope. If you make good grades and take educational driving courses, you could qualify for several money-saving discounts.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Farmers State Farm Liberty Mutual Nationwide Allstate 25 50 75 100 125 150 175 200 225 250 275 300 325 350 375 $42 $393 $29 $126 $32 $143 $55 $157 $49 $155

 

  • Your Driving Record

Do you have several violations listed on your driving record? Then you might want to shop around for companies which offer “Accident Forgiveness” discounts. Such programs can lower your monthly rate, or help save you from losing your coverage altogether for violations such as DUIs or reckless driving.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Liberty Mutual Nationwide Allstate 10 20 30 40 50 60 70 $42 $51 $59 $55 $29 $32 $32 $35 $32 $46 Do Not Sell $40 $55 $63 $71 $74 $49 $52 $60 $63

 

  • Your Vehicle

Thinking about insuring a luxury vehicle? Well, keep in mind that it will cost you more in premiums each month than your typical, average car. Not only are these vehicles more expensive to repair/replace, but you will require much more insurance coverage – which will yield higher monthly rates.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder Farmers State Farm Liberty Mutual Nationwide Allstate 15 30 45 60 75 90 105 120 135 150 165 180 195 $42 $111 $29 $112 $32 $196 $55 $113 $49 $191

 

Minor Car Insurance Factors in Jonesboro

These minor factors are still up for debate amongst many insurance experts:

  • Your Marital Status

Would you like to know the secret to saving money on insurance as a married couple? Bundle, bundle, bundle. Bundling your automotive insurance with your spouse will net you some serious discounts. You can maximize the savings further if you have a homeowner’s or renter’s insurance policy to bundle, too.

  • Your Gender

Guess what? Gender isn’t as significant of a factor as it used to be when determining monthly premiums. Most companies these days don’t even charge different rates for males vs. females, all other factors being equal. And those who do rarely charge more than 1-2%.

  • Your Driving Distance to Work

The average commute for Jonesboro workers lasts somewhere between 10-15 minutes each day, with some areas on the outer parts of the city taking a few minutes longer. Residents in the northern and southern parts of the city might have carpool rates as high as 10-19%, while those to the east and west rarely carpool.

Believe it or not, the difference between someone who drives several thousand miles a year for work and a student who lives close to campus rarely differs more than a few percentage points in monthly premiums. The real cost comes from registering your car, truck, or SUV as a business vehicle. Those can cost 10-12% more to insure.

  • Your Coverage and Deductibles

Want more than just the bare minimum coverage? You might be able to add more to your current policy if you raise your deductible. While this will make your out-of-pocket expenses much higher should you need to file a claim, you can use the cheaper monthly payments to save for a rainy day.

  • Education in Jonesboro, AR

Were you wondering if your income or your salary can get you automobile insurance discounts? Well, the truth is that pursuing a higher education will generally lead to reductions in your auto insurance rate. Many motorists in Jonesboro have at least a high school diploma or some equivalent, while many have not yet completed high school.

Arkansas State University, the crown jewel of the Jonesboro higher educational system, just celebrated its 100th birthday back in 2009. The university has been offering four-year degrees since the early 1930’s and began its first doctoral program in the mid 1950’s. Although it began as an agricultural school, today it offers degrees in many relevant subjects.

Finding affordable auto insurance in Arkansas can be a hassle. There’s a lot of information you need to consider, and figuring out how insurance companies evaluate your potential risk can be complicated. But don’t let the wrong insurance company talk you into purchasing the wrong policy.

How We Conducted the Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Arkansas Insurance Department

Arkansas Department of Finance and Administration

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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