Cheap Quotes for Charleston, AR Car Insurance (2021)

Charleston, Arkansas car insurance rates average $319 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Charleston, AR companies, you can find cheap Charleston car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Charleston, AR after a DUI are $4,608/year
  • Charleston has an average commute time of 25.1 minutes
  • Average car insurance rates in Charleston, AR are $319/month

How do the Charleston, Arkansas monthly average car insurance rates of $319/month compare to nearby cities like Fayetteville car insurance rates, Pine Bluff car insurance rates, and Hot Springs car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Charleston, AR.

We’ll cover the Arkansas minimum coverage requirements, Arkansas car insurance laws, and Charleston, AR statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Charleston, Arkansas companies to find the most affordable Charleston car insurance rates.

Enter your ZIP code above to find cheap Charleston, AR car insurance quotes today.

What are the minimum Charleston, AR car insurance requirements?

To meet Arkansas minimum car insurance coverage requirements, Charleston, AR drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Charleston, Arkansas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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How do age, gender, and marital status affect Charleston, AR car insurance rates?

Three of the criteria that most affect car insurance rates in Charleston, Arkansas are age, gender, and marital status. Let’s take a look at how each of these stack up with top Charleston car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Charleston, Arkansas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,513 $2,529 $2,249 $2,402 $9,073 $10,870 $2,767 $2,998
Farmers $2,324 $2,307 $2,075 $2,184 $9,896 $10,247 $2,667 $2,804
GEICO $2,380 $2,353 $2,195 $2,134 $6,214 $6,228 $2,341 $2,374
Liberty Mutual $2,168 $2,317 $2,093 $2,335 $8,162 $8,987 $2,349 $2,449
Nationwide $2,448 $2,496 $2,200 $2,325 $5,888 $7,499 $2,797 $3,014
Progressive $2,585 $2,444 $2,126 $2,225 $11,035 $12,416 $3,091 $3,340
State Farm $1,545 $1,545 $1,401 $1,401 $4,678 $5,865 $1,745 $2,003
Travelers $2,045 $2,083 $2,026 $2,031 $12,015 $19,302 $2,193 $2,521
USAA $1,243 $1,249 $1,163 $1,160 $4,016 $4,182 $1,595 $1,708

How much do teen drivers pay for car insurance in Charleston, AR?

Charleston, Arkansas car insurance rates for teens are often higher than rates for other drivers. Compare Charleston car insurance rates from multiple Charleston, Arkansas car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Charleston, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,073 $10,870
Farmers $9,896 $10,247
GEICO $6,214 $6,228
Liberty Mutual $8,162 $8,987
Nationwide $5,888 $7,499
Progressive $11,035 $12,416
State Farm $4,678 $5,865
Travelers $12,015 $19,302
USAA $4,016 $4,182

How much do senior drivers pay for car insurance in Charleston, AR?

With a little research, seniors can find affordable car insurance in Charleston, Arkansas. Here’s a look at how the top Charleston car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Charleston, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,249 $2,402
Farmers $2,075 $2,184
GEICO $2,195 $2,134
Liberty Mutual $2,093 $2,335
Nationwide $2,200 $2,325
Progressive $2,126 $2,225
State Farm $1,401 $1,401
Travelers $2,026 $2,031
USAA $1,163 $1,160

How does coverage level affect Charleston, AR car insurance rates?

How much coverage do you need? Are you comfortable with the Arkansas minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Charleston, AR car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Charleston, Arkansas

Insurance Company Low Medium High
Allstate $4,300 $4,422 $4,553
Farmers $4,103 $4,269 $4,567
GEICO $3,146 $3,277 $3,409
Liberty Mutual $3,721 $3,829 $4,022
Nationwide $3,614 $3,513 $3,623
Progressive $4,517 $4,830 $5,377
State Farm $2,377 $2,520 $2,671
Travelers $5,267 $5,542 $5,772
USAA $1,941 $2,031 $2,146

How does your driving record affect Charleston, AR car insurance rates?

Safe driving pays off. The more traffic violations you have in Charleston, AR, the higher your car insurance rates will be. Compare rates based on driving infractions from top Charleston, Arkansas companies.

Annual Charleston, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,654 $4,589 $5,096 $4,361
Farmers $3,642 $4,672 $4,569 $4,368
GEICO $2,224 $3,411 $5,082 $2,393
Liberty Mutual $2,607 $4,284 $5,017 $3,521
Nationwide $2,794 $3,602 $4,865 $3,073
Progressive $4,229 $5,886 $4,445 $5,072
State Farm $2,301 $2,744 $2,523 $2,523
Travelers $4,632 $4,784 $7,012 $5,680
USAA $1,565 $1,993 $2,864 $1,736

How does a DUI affect Charleston, AR car insurance rates?

With even one DUI on your record, you can see an increase in your Charleston, AR car insurance rates.

Annual Car Insurance Rates After a DUI in Charleston, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,096
Farmers $4,569
GEICO $5,082
Liberty Mutual $5,017
Nationwide $4,865
Progressive $4,445
State Farm $2,523
Travelers $7,012
USAA $2,864

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How does your credit history affect Charleston, AR car insurance rates?

Take a look at the data here to see how your Charleston, Arkansas car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Charleston, Arkansas

Insurance Company Poor Fair Good
Allstate $5,551 $4,262 $3,463
Farmers $4,899 $4,118 $3,922
GEICO $3,926 $3,228 $2,678
Liberty Mutual $5,558 $3,375 $2,640
Nationwide $4,238 $3,407 $3,105
Progressive $5,558 $4,748 $4,418
State Farm $3,652 $2,201 $1,715
Travelers $6,336 $5,295 $4,951
USAA $2,686 $1,849 $1,582

How does your commute affect Charleston, AR car insurance rates?

Charleston, AR car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Arkansas can be seen here. Remember, though, that you may have to carry substantially more car insurance in Charleston if you’re financing.

Annual Car Insurance Rates by Commute Length in Charleston, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,425 $4,425
Farmers $4,313 $4,313
GEICO $3,255 $3,300
Liberty Mutual $3,857 $3,857
Nationwide $3,583 $3,583
Progressive $4,908 $4,908
State Farm $2,461 $2,585
Travelers $5,527 $5,527
USAA $1,982 $2,097

Who has the cheapest Charleston, AR car insurance rates?

Here’s a breakdown of Charleston, Arkansas car insurance rates by company. You can see which company offers the cheapest Charleston car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Charleston, Arkansas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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What are the top Charleston, AR car insurance companies?

Which Charleston, Arkansas car insurance company will best fit your needs and budget? Check out this comparison of the top Charleston companies to find the one for you.

Average Annual Car Insurance Rates by Company in Charleston, Arkansas

Insurance Company Average Annual Rates
Allstate $4,425
Farmers $4,313
GEICO $3,277
Liberty Mutual $3,857
Nationwide $3,583
Progressive $4,908
State Farm $2,523
Travelers $5,527
USAA $2,039

What factors affect Charleston, AR car insurance rates?

Why are Charleston, Arkansas car insurance rates different than rates in Fayetteville or Pine Bluff? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Charleston, AR?

More time spent behind the wheel can lead to higher Charleston, Arkansas car insurance rates. In Charleston, AR, the average commute length is 25.1 minutes.

What is the traffic like in Charleston, AR

Like commute length, time spent in traffic also increase risk of accidents. Charleston, AR is listed as 649th in INRIX congested cities data.

Car Insurance Quotes for Charleston, AR

Shop for affordable Charleston, Arkansas car insurance rates today. Enter your ZIP code to compare quotes from multiple Charleston, AR car insurance companies.

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