UPDATED: Sep 8, 2020
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Do you need cheap auto insurance in Jonesboro, AR? We will go over the Jonesboro, AR auto insurance companies to help you find the best cheap auto insurance for you.
Looking for a car insurance companies in Jonesboro, AR? We understand that finding the right insurance provider can be a bit of a hassle. Enter your ZIP code into the quote box on this page to find cheap rates on auto insurance from top car insurance companies in Jonesboro, AR.
Auto Insurance Rates in Jonesboro, AR
Jonesboro is a college town, home to the renowned Arkansas State University, a popular public institution where tens of thousands of students matriculate each year in the pursuit of higher education. Jonesboro also has a thriving economy due to its agriculture and manufacturing sectors.
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+)”?
Like most states, it’s illegal to drive in Arkansas without auto insurance. Here are the requirements for minimum auto insurance coverage in Arkansas.
|Coverage Type||Required Coverage||Most Common Coverage|
|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|
As you can see, auto insurance requirements in Arkansas are fairly comparable to those in other states
Remember: Liability only covers the other driver’s damages in an accident that you caused. Your insurer won’t pay out claims related to other damages if you only have liability. If you purchased a newer vehicle and you’re still financing it, your 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 rates, keep reading.
Does gender and age affect my auto insurance rates in Jonesboro, AR?
There are several factors insurance companies consider when determining rates for policyholders. While some of these factors are completely out of your control, a are variables that you can change for the better. Let’s begin with age and gender.
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.
Let’s take a look at a table showing a rate comparison between two different age demographics.
|Companies||Average Annual Rates for a 34-Year-Old Driver||Average Annual Rates for a 17-Year-Old Driver|
As you can see, one insurer stands out when it comes to rates for 17-year-old drivers. Farmers charges over twice as much for this demographic in comparison to any other insurer. Click this next link for a Farmers review.
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 one or two percent more.
Let’s move on to ZIP codes and how they can alter your rates.
What ZIP codes have the cheapest auto insurance rates in Jonesboro, AR?
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.
Which companies have the best auto insurance rates in Jonesboro, AR?
Liberty Mutual, State Farm, and Farmers are offering some of the most competitive rates in the Jonesboro area. But that doesn’t necessarily mean one of these companies is the best for you. You’ll also want to look at things like customer service ratings and claims service before settling on or switching providers.
Let’s move on to compare rates.
Cheapest Auto Insurance Rates by Company
As we mentioned before, auto insurance companies evaluate different variables when assessing insurance rates, including driving experience, the type of vehicle owned, miles driven each year, and more.
Additionally, rates differ from provider to provider. To find out whether you’re getting a good deal, compare cheap Arkansas auto insurance quotes online. Enter your ZIP code to find great auto insurance rates for Jonesboro, AR now.
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Let’s take a look at a table comparing different insurers’ rates in Jonesboro, Arkansas.
|Companies||Average Monthly Auto Insurance Rates|
As you can see, State Farm and Liberty Mutual are on the cheaper end of the spectrum, offering highly competitive rates.
Let’s move on to see how your commute can affect your rates.
Best Auto Insurance for Commute Rates
The average commute for Jonesboro workers lasts somewhere between 10-15 minutes, 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 percent, 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 percent more to insure.
Best Auto Insurance for Coverage Level Rates
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.
Best Auto Insurance for Credit History Rates
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 percent higher rates than those with excellent credit.
Let’s take a look at a table comparing rates for those with excellent credit and those with poor credit.
|Companies||Average Monthly Ratews with Excellent Credit||Average Monthly Rates with Poor Credit|
Let’s move on to how your driving record affects your rates.
Best Auto Insurance for Driving Record Rates
Do you have several violations listed on your driving record? Then you might want to shop around for companies that offer “Accident Forgiveness” discounts. Such programs can lower your monthly rates, or help save you from losing your coverage altogether for violations such as DUIs or reckless driving.
Let’s take a look at a table showing rate comparisons between a clean record and a blemished one.
|Companies||Average Monthly Rates with a Good Record||Average Monthly Rates with a Minor Speeding Ticket||Average Monthly Rates with DUI/Reckless Driving||Average Monthly Rates with a Major At-Fault Accident|
As you can see, State Farm changes the least for a clean record. A major at-fault accident can drastically increase your rates with each of the listed companies.
Let’s move on to other factors that can increase your rates.
What affects auto insurance rates in Jonesboro, AR?
One thing that affects what you’re paying is what you’re driving. Thinking about insuring a luxury vehicle? Well, keep in mind that it will cost you more in premiums each month than your average car.
Not only are these vehicles more expensive to repair/replace, but you’ll require a higher level of insurance coverage – which will yield higher monthly rates.
Let’s compare rates for a four-door sedan and a sports car.
|Companies||Average Monthly Rates for a 2015 Honda Accord||Average Monthly Rates for a 2012 Porche Boxster Spyder|
Your marital status is another factor, though a minor one. 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 homeowners or renters insurance policy to bundle, too.
Just like marital status, education is a factor.
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 rates. Many motorists in Jonesboro have at least a high school diploma or some equivalent, while some 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 1930s and began its first doctoral program in the mid-1950s. 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 to get the best and cheapest auto insurance in Jonesboro, AR. But don’t let the wrong insurance company talk you into purchasing the wrong policy.
Vehicle Theft in Jonesboro, AR
Finding cheap auto insurance can be difficult if you’re at risk for auto theft. Certain popular vehicle models are attractive to thieves, and if you park your car in a large city you’re at risk as well. 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. Let’s take a look at a table comparing basic rates and comprehensive rates.
|Companies||Average Monthly Rates for Basic Coverage||Average Monthly Rates for Comprehensive Coverage|
As you can see, comprehensive coverage can sometimes be quite the price leap, but it’s frequently worth it. Comprehensive covers theft, vandalism, damages from inclement weather, and other events not related to a collision.
Traffic Congestion in Jonesboro, AR
There is no information available about traffic congestion in Jonesboro.
How is traffic in Jonesboro, AR?
The safety of your roads is a significant factor for auto insurance companies. If you live in an area with a lot of deadly accidents, you’ll be paying for it with higher car insurance premiums. The chart below features the fatal accident statistics for the Jonesboro area.
Ready to shop for auto insurance? Feel free to type your ZIP code into our tool below to find reasonable rates from insurance companies like State Farm, Allstate, and Progressive Insurance in Jonesboro, AR. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
Enter your zip code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions: Cheap Auto Insurance in Jonesboro, AR
Hopefully, we have answered all your questions, but take a look at our FAQs below.
#1 – Can I get a Geico Insurance quote in Jonesboro, AR?
Yes, Geico is available in Arkansas.
#2 – What’s the cheapest auto insurance in Jonesboro, AR?
Liberty Mutual and State Farm are both excellent, affordable options.
#3 – What is the minimum auto insurance coverage in Arkansas?
The minimum requirements for auto insurance in Arkansas are $25,000/$50,000 for bodily injury liability and $25,000 for property damage liability.