Cheap Quotes for Charlotte, AR Car Insurance (2021)

Charlotte, Arkansas car insurance rates average $347 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Charlotte, AR companies, you can find cheap Charlotte 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 Charlotte, AR for senior drivers are $2,181/year
  • Average car insurance rates in Charlotte, AR are $347/month
  • The cheapest car insurance company in Charlotte is USAA

How do the Charlotte, Arkansas monthly average car insurance rates of $347/month compare to nearby cities like Conway car insurance rates, Fort Smith car insurance rates, and Fayetteville car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Charlotte, AR.

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

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

What are the minimum Charlotte, AR car insurance requirements?

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

Minimum Required Car Insurance Coverage in Charlotte, 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 Charlotte, AR car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Charlotte, 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 $2,943 $2,969 $2,616 $2,798 $10,561 $12,653 $3,262 $3,555
Farmers $2,392 $2,379 $2,138 $2,245 $9,990 $10,348 $2,756 $2,918
GEICO $2,606 $2,582 $2,408 $2,340 $6,591 $6,629 $2,550 $2,586
Liberty Mutual $2,329 $2,494 $2,208 $2,460 $7,977 $8,773 $2,511 $2,632
Nationwide $2,718 $2,768 $2,440 $2,578 $6,624 $8,442 $3,116 $3,360
Progressive $2,979 $2,824 $2,445 $2,561 $12,536 $14,126 $3,560 $3,848
State Farm $1,837 $1,837 $1,629 $1,629 $5,105 $6,439 $2,065 $2,361
Travelers $2,210 $2,252 $2,184 $2,189 $12,827 $20,582 $2,364 $2,735
USAA $1,284 $1,296 $1,192 $1,200 $4,009 $4,199 $1,650 $1,779

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

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

Annual Car Insurance Rates for Teen Drivers in Charlotte, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,561 $12,653
Farmers $9,990 $10,348
GEICO $6,591 $6,629
Liberty Mutual $7,977 $8,773
Nationwide $6,624 $8,442
Progressive $12,536 $14,126
State Farm $5,105 $6,439
Travelers $12,827 $20,582
USAA $4,009 $4,199

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

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

Annual Car Insurance Rates for Senior Drivers in Charlotte, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,616 $2,798
Farmers $2,138 $2,245
GEICO $2,408 $2,340
Liberty Mutual $2,208 $2,460
Nationwide $2,440 $2,578
Progressive $2,445 $2,561
State Farm $1,629 $1,629
Travelers $2,184 $2,189
USAA $1,192 $1,200

How does coverage level affect Charlotte, 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 Charlotte, AR car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Charlotte, Arkansas

Insurance Company Low Medium High
Allstate $5,036 $5,166 $5,306
Farmers $4,197 $4,354 $4,637
GEICO $3,403 $3,535 $3,671
Liberty Mutual $3,798 $3,899 $4,073
Nationwide $4,022 $3,922 $4,073
Progressive $5,157 $5,512 $6,160
State Farm $2,736 $2,860 $2,992
Travelers $5,637 $5,934 $6,182
USAA $1,989 $2,069 $2,171

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

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

Annual Charlotte, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,270 $5,362 $5,952 $5,095
Farmers $3,709 $4,759 $4,646 $4,469
GEICO $2,385 $3,677 $5,517 $2,566
Liberty Mutual $2,685 $4,336 $5,070 $3,601
Nationwide $3,114 $4,027 $5,453 $3,429
Progressive $4,835 $6,717 $5,082 $5,805
State Farm $2,640 $3,085 $2,862 $2,862
Travelers $4,959 $5,123 $7,498 $6,091
USAA $1,597 $2,023 $2,912 $1,772

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

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

Annual Car Insurance Rates After a DUI in Charlotte, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,952
Farmers $4,646
GEICO $5,517
Liberty Mutual $5,070
Nationwide $5,453
Progressive $5,082
State Farm $2,862
Travelers $7,498
USAA $2,912

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

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

Annual Car Insurance Rates by Credit Score in Charlotte, Arkansas

Insurance Company Poor Fair Good
Allstate $6,504 $4,971 $4,034
Farmers $5,008 $4,190 $3,990
GEICO $4,238 $3,481 $2,890
Liberty Mutual $5,679 $3,414 $2,677
Nationwide $4,733 $3,811 $3,473
Progressive $6,364 $5,423 $5,042
State Farm $4,148 $2,496 $1,943
Travelers $6,793 $5,666 $5,294
USAA $2,749 $1,878 $1,602

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

Charlotte, 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 Charlotte if you’re financing.

Annual Car Insurance Rates by Commute Length in Charlotte, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,170 $5,170
Farmers $4,396 $4,396
GEICO $3,516 $3,557
Liberty Mutual $3,923 $3,923
Nationwide $4,006 $4,006
Progressive $5,610 $5,610
State Farm $2,794 $2,931
Travelers $5,918 $5,918
USAA $2,017 $2,135

Who has the cheapest Charlotte, AR car insurance rates?

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

Best Annual Car Insurance Rates by Company in Charlotte, 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 Charlotte, AR car insurance companies?

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

Average Annual Car Insurance Rates by Company in Charlotte, Arkansas

Insurance Company Average Annual Rates
Allstate $5,170
Farmers $4,396
GEICO $3,536
Liberty Mutual $3,923
Nationwide $4,006
Progressive $5,610
State Farm $2,862
Travelers $5,918
USAA $2,076

What factors affect Charlotte, AR car insurance rates?

Why are Charlotte, Arkansas car insurance rates different than rates in Conway or Fort Smith? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the traffic like in Charlotte, AR

Like commute length, time spent in traffic also increase risk of accidents. Charlotte, AR is listed as 218th in INRIX congested cities data.

Car Insurance Quotes for Charlotte, AR

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

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