Best Jonesboro, AR Auto Insurance in 2024 (Your Guide to the Top 10 Companies)

Top Jonesboro AR Pick: Geico

19,116 reviews

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4.1

Company Facts

Full Coverage in Jonesboro AR

$150/mo

A.M. Best

A++

Complaint Level

High

» Geico Auto Insurance Review

19,116 reviews

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Best Jonesboro AR App: Farmers

2,903 reviews

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4.0

Company Facts

Full Coverage in Jonesboro AR

$170/mo

A.M. Best

A

Complaint Level

Low

» Farmers Auto Insurance Review

2,903 reviews

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Best Jonesboro AR Drivers: USAA

6,435 reviews

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4.7

Company Facts

Full Coverage in Jonesboro AR

$140/mo

A.M. Best

A++

Complaint Level

Low

» USAA Auto Insurance Review

6,435 reviews

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Geico stands out as the top pick for the best Jonesboro, AR auto insurance, with rates starting at $60 per month. Farmers and USAA are also among the cheapest providers of auto insurance in the area.

The article discusses how these businesses succeed regarding coverage flexibility, pricing, and customer satisfaction, highlighting the factors that affect car insurance premiums. Jonesboro drivers can choose from various options to acquire reasonably priced insurance without sacrificing quality.

Our Top 10 Company Picks: Best Jonesboro, AR Auto Insurance

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	12%	A++	Affordable Rates	Geico
	#2	10%	A	Signal App	Farmers
	#3	13%	A++	Military Drivers	USAA
	#4	11%	A	Personalized Plans	American Family
	#5	17%	B	Local Agents	State Farm
	#6	14%	A+	Flexible Coverage	Progressive
	#7	15%	A+	Vanishing Deductible	Nationwide
	#8	9%	A+	Exclusive Benefits	The Hartford
	#9	20%	A	Accident Forgiveness	Liberty Mutual
	#10	18%	A+	Claims Satisfaction	Allstate

Do you need affordable auto insurance in Jonesboro, AR? We will review the Jonesboro, AR, auto insurance companies to help you find the best policy.

Looking for a car insurance company 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.

Jonesboro Monthly Provider and Coverage Level Rates

Geico is the best option for car insurance in Jonesboro, AR; the lowest prices start from $89/month. To many clients, Geico offers types of auto insurance coverage.

Geico always receives excellent ratings from residents regarding user-friendly services and customer satisfaction. Hence, it is an excellent option for any driver who wishes to have well-priced coverage without sacrificing quality protection. Geico is an excellent choice if you are looking for an insurance agency in Jonesboro, AR.

Jonesboro, AR Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$82	$160
	$80	$160
	$85	$170
	$75	$150
	$88	$165
	$72	$140
	$70	$145
	$78	$155
	$90	$175
	$60	$140

USAA, though mostly famed for providing coverage specifically for military members, is one of the fiercest competitors within the marketplace. It offers coverage especially designed to suit service members’ needs.

Farmer’s insurance excludes top companies that deliver professional services and coverage options. These are some of the best choices Jonesboro motorists can make, giving them the best auto insurance coverage.

Auto Insurance Discounts Offered by Leading Providers

Auto Insurance Discounts From the Top Providers in Jonesboro, AR

Insurance Company	Available Discounts
	Safe driving, automatic payments, new car, multi-policy
	Low mileage, good student, multi-policy, vehicle safety
	Homeowner, multi-policy, safe driver, early signing
	Military, multi-policy, safe driver, good student
	New car, multi-policy, accident forgiveness, good student
	Vanishing deductible, accident-free, multi-policy, paperless billing
	Continuous insurance, multi-policy, good student, pay-in-full
	Anti-theft, multi-policy, good student, safe driver
	AARP member, good driver, vehicle recovery, multi-policy
	Loyalty, safe driver, multi-policy, vehicle safety

Companies like Progressive and State Farm encourage good drivers by offering continuous coverage and anti-theft installation incentives. By researching available discounts, residents of Jonesboro could significantly lower auto insurance expenses while still having quality coverage, making protecting these vehicles and their financial well-being easier.

Impact of Gender and Age on Auto Insurance Rates

There are several key factors on which the rates you pay to your insurance companies depend. Some factors are completely out of your control, but some change for the better. Age and gender are the leading ones on this list.

These young, green novice drivers often contribute to some of the most common issues on the road, so auto insurance companies need to place much higher rates to mitigate associated risks. But you improve your skills by having good grades and taking educational driving courses. You will probably qualify for a bunch of discounts that can help cut through the cost, putting you in control of your insurance expenses.

Jonesboro, AR Average Annual Auto Insurance Rates by Age

Car insurance for teenagers starts at around $150 a month, though this cost will vary with your provider and coverage options. Here is a table comparing rates for two age demographics. As you can see, one insurance company stands out regarding rates for 17-year-olds. Farmers charge more than twice as much for this demographic than other insurance companies.

Guess what? Gender is no longer a significant factor when determining monthly premiums. Most companies no longer charge different rates for males vs. females based on gender; all things are considered equal. And those that do only rarely charge more than a percent or two.

Let’s move on to ZIP codes and how they can alter your rates.

ZIP Codes with the Most Affordable Auto Insurance Rates

The cities with lower populations have the cheapest car insurance. Because fewer automobiles are on the road, there are fewer opportunities 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.

Cheapest Car Insurance Rates by Company

As mentioned, 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. Compare cheap Arkansas auto insurance quotes online to determine whether you’re getting a good deal. Enter your ZIP code to find great auto insurance rates for Jonesboro, AR.

Let’s look at a table comparing different insurers’ rates in Jonesboro, Arkansas.

Jonesboro, AR Average Monthly Auto Insurance Rates by Company

As you can see, State Farm and Liberty Mutual are on the cheaper end of the spectrum and offer highly competitive rates.

Let’s move on to see how your commute can affect your rates.

Essential Auto Insurance Considerations for Jonesboro, AR Drivers

Getting auto insurance coverage options is essential for drivers in Jonesboro, AR. The mandatory liability insurance in Arkansas would compensate you for the damages caused by your fault in case of an accident.

You can add collision coverage if your car is damaged while on the road. Comprehensive coverage covers things that aren’t a collision but may result in car damage, such as theft. Determine what you need and choose the right coverage to protect you according to state laws.

Jonesboro, AR Auto Accident & Insurance Claim Statistics

Auto insurance policies offer add-ons that give you more leeway in aligning coverage to your needs. For example, you can attach accident cover to your policy, which would be handy in an accident caused by an uninsured or underinsured car driver. When selecting an auto insurance policy, one should also raise the issue of a discount or reward for safe driving or loyalty or bundling with other insurance products.

Online Platform from Jonesboro, AR Auto Insurance

In Jonesboro, technological help is available for auto insurance management using drivers. Most firms provide customers with online access sites and mobile applications that can easily compare quotes, manage policies, and file claims. The digital tool empowers drivers to update regarding discounts and policy updates; insurance management is efficient and accessible.

In Jonesboro, several businesses offer virtual consultations, which are a major time saver because you can assess your needs and options from home.

Technology can be an advantage in such a way that you enhance your insurance experience by making it more efficient and suited to your preferences. If budgeting is a priority, you may find Arkansas’s lowest liability car insurance or the cheap auto insurance companies.

Navigating the Claim Process of Jonesboro Auto Providers

A smooth claims process is of prime importance for any driver in Jonesboro. But knowing how your insurer will handle the claims should you need to make one is highly important: if they can accept claims 24/7, it will make for an even better experience.

Jonesboro, AR Auto Accident & Insurance Claim Statistics

The claims process in Jonesboro was critical because 150 accidents, including injury accidents and eight fatal incidents, occurred. Residents filed two hundred fifty insurance claims, and such complexity shows that claims management refers to medical expenses, vehicle repairs, and liability coverage resulting from such accidents.

In addition, homeowners insurance available in Jonesboro, AR, can be an all-around solution. It provides full security and protection, especially when you’re looking for car insurance. The first step in buying a car care and a house is to know how much coverage you need.

Best Auto Insurance for Credit History Rates

Most drivers do not consider their credit score an important determinant of their monthly insurance cost. The chart shows that those with bad credit pay between 25 percent and 50 percent more than those with good credit.

Jonesboro, AR Average Monthly Auto Insurance Rates by Credit History

Based on monthly auto insurance prices, individuals in Jonesboro, Arkansas, can achieve great savings. Excellent credit scores could save you substantial money, while State Farm, Liberty Mutual, and Farmers stand with contrasting rates for the best & worst credit scores. Excellent credit individuals can hope for quotes ranging from $24 to those worse credit individuals who may be charged significantly more, between $54 and $78. This information can be a source of hope and motivation for those in need to correct their credit scores.

Top Auto Insurance for Driving Record Rates

Factors Influencing Jonesboro, AR Auto Insurance Rates

One factor influencing the premiums is what you are driving. Do you think getting your luxury car insured is worth it? Then note that it will be costlier in the form of monthly premiums than your car, which does not boast.

Jonesboro, AR Average Monthly Auto Insurance Rates by Vehicle Make and Model

Auto insurance quotes differ in Jonesboro, Arkansas, and solely rely on the car’s model, including options for commercial auto insurance here. For instance, for a 2015 Honda Accord, State Farm offers the lowest price at $29, while Liberty Mutual offers a rate of $32, and Farmers follows at $42.

However, the rates jump through the roof for a 2012 Porsche Boxster Spyder at $112 with State Farm and $113 with Liberty Mutual. This would seem to be the final verdict that the car model is what one will use to determine how much someone will end up paying for car insurance in Jonesboro, Arkansas.

Jonesboro, AR Vehicle Theft

Finding affordable auto insurance can be challenging, especially if your vehicle is prone to theft. Certain vehicle models appeal more to thieves, and parking in larger cities increases this risk. In Jonesboro, for instance, there were 86 reported stolen vehicles in 2013.

If you believe your car is susceptible to auto theft, consider adding comprehensive coverage to your policy. Comprehensive coverage typically costs around $130 per month, compared to basic coverage, which is about $80 per month. Explore the “15 Cities With the Highest Vehicle Theft Rates.”

Jonesboro, AR Average Monthly Auto Insurance Rates for Basic vs. 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 unrelated to a collision.

Jonesboro Traffic Conditions

Prioritizing Safety Features for Jonesboro Drivers

Vehicle-based safety features can also reduce drivers in the Jonesboro area having to pay a lot for their premiums. For instance, most insurance firms charge less for vehicles that have installed anti-lock brakes, airbags, and electronic stability control.

Other factors can reduce the premiums. A clean driving record and participation in safety training can help reduce premiums, especially for high-risk drivers. Equally, adequate property damage liability coverage helps lessen premiums since it identifies a financially prudent driver.

It can also be wise to choose safety-rated vehicles. Most organizations rate certain cars very high; such a vehicle will definitely attract insurance firms, helping you pay fewer premiums. Safety comes both in protecting yourself and others on the road and saving money in the long run.

Leveraging Customer Reviews for Auto Insurance

Customer reviews should help you choose an auto insurance provider in Jonesboro, AR. It would be easier to gauge various companies’ reliability and service quality if one checked their online ratings and asked friends and family for recommendations.

This information can help you make informed decisions based on real experiences. The table also shows that minimum rates for car insurance in Jonesboro begin at $100 for basic coverage. This follows the idea of careful consideration regarding your vehicle insurance needs.

Scanning the local forums and community groups can further guide you in knowing how various insurance firms treat claims and customer service. Various experiences with fellow Jonesboro people may help them choose a provider that satisfies customers. Look at reviews, which can be both negative and positive. Once one has the correct balance, they can make their final decision.

Ready to shop for auto insurance? Type your ZIP code into our tool below to find reasonable rates from companies like State Farm, Allstate, and Progressive Insurance in Jonesboro, AR.