Cheap Quotes for Damascus, AR Car Insurance (2021)

Damascus, Arkansas car insurance rates average $347 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Damascus, AR companies, you can find cheap Damascus 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 Damascus, AR are $347/month
  • Average car insurance rates in Damascus, AR for senior drivers are $2,146/year
  • Average car insurance rates in Damascus, AR after a DUI are $4,987/year

How do the Damascus, Arkansas monthly average car insurance rates of $347/month compare to nearby cities like Conway 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 Damascus, AR.

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

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

What are the minimum Damascus, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Damascus, 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 $2,883 $2,909 $2,563 $2,742 $10,308 $12,342 $3,194 $3,479
Farmers $2,328 $2,321 $2,075 $2,187 $10,070 $10,460 $2,669 $2,807
GEICO $2,557 $2,522 $2,354 $2,288 $6,903 $6,896 $2,529 $2,565
Liberty Mutual $2,227 $2,384 $2,143 $2,398 $8,234 $9,082 $2,410 $2,513
Nationwide $2,695 $2,741 $2,421 $2,554 $6,616 $8,415 $3,095 $3,333
Progressive $3,014 $2,846 $2,478 $2,594 $13,028 $14,688 $3,600 $3,906
State Farm $1,742 $1,742 $1,556 $1,556 $5,008 $6,290 $1,962 $2,258
Travelers $2,184 $2,225 $2,163 $2,170 $12,915 $20,807 $2,340 $2,685
USAA $1,284 $1,298 $1,191 $1,201 $3,985 $4,179 $1,651 $1,782

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

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

Annual Car Insurance Rates for Teen Drivers in Damascus, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,308 $12,342
Farmers $10,070 $10,460
GEICO $6,903 $6,896
Liberty Mutual $8,234 $9,082
Nationwide $6,616 $8,415
Progressive $13,028 $14,688
State Farm $5,008 $6,290
Travelers $12,915 $20,807
USAA $3,985 $4,179

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

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

Annual Car Insurance Rates for Senior Drivers in Damascus, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,563 $2,742
Farmers $2,075 $2,187
GEICO $2,354 $2,288
Liberty Mutual $2,143 $2,398
Nationwide $2,421 $2,554
Progressive $2,478 $2,594
State Farm $1,556 $1,556
Travelers $2,163 $2,170
USAA $1,191 $1,201

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

Annual Car Insurance Rates by Coverage Level in Damascus, Arkansas

Insurance Company Low Medium High
Allstate $4,919 $5,049 $5,189
Farmers $4,121 $4,312 $4,661
GEICO $3,434 $3,576 $3,721
Liberty Mutual $3,776 $3,892 $4,104
Nationwide $4,002 $3,903 $4,046
Progressive $5,231 $5,646 $6,430
State Farm $2,639 $2,761 $2,892
Travelers $5,635 $5,952 $6,221
USAA $1,988 $2,064 $2,162

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

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

Annual Damascus, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,177 $5,242 $5,812 $4,979
Farmers $3,688 $4,733 $4,624 $4,413
GEICO $2,441 $3,725 $5,514 $2,627
Liberty Mutual $2,668 $4,350 $5,091 $3,586
Nationwide $3,102 $4,005 $5,415 $3,414
Progressive $4,967 $6,929 $5,224 $5,957
State Farm $2,538 $2,990 $2,764 $2,764
Travelers $4,974 $5,138 $7,532 $6,100
USAA $1,595 $2,017 $2,905 $1,769

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

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

Annual Car Insurance Rates After a DUI in Damascus, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,812
Farmers $4,624
GEICO $5,514
Liberty Mutual $5,091
Nationwide $5,415
Progressive $5,224
State Farm $2,764
Travelers $7,532
USAA $2,905

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

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

Annual Car Insurance Rates by Credit Score in Damascus, Arkansas

Insurance Company Poor Fair Good
Allstate $6,356 $4,858 $3,943
Farmers $4,957 $4,167 $3,970
GEICO $4,283 $3,525 $2,923
Liberty Mutual $5,655 $3,430 $2,687
Nationwide $4,703 $3,791 $3,456
Progressive $6,521 $5,584 $5,202
State Farm $4,005 $2,411 $1,877
Travelers $6,804 $5,687 $5,317
USAA $2,745 $1,873 $1,596

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

Damascus, 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 Damascus if you’re financing.

Annual Car Insurance Rates by Commute Length in Damascus, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,052 $5,052
Farmers $4,365 $4,365
GEICO $3,548 $3,606
Liberty Mutual $3,924 $3,924
Nationwide $3,984 $3,984
Progressive $5,769 $5,769
State Farm $2,699 $2,829
Travelers $5,936 $5,936
USAA $2,012 $2,130

Who has the cheapest Damascus, AR car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Damascus, Arkansas

Insurance Company Average Annual Rates
Allstate $5,052
Farmers $4,365
GEICO $3,577
Liberty Mutual $3,924
Nationwide $3,984
Progressive $5,769
State Farm $2,764
Travelers $5,936
USAA $2,071

What factors affect Damascus, AR car insurance rates?

Why are Damascus, Arkansas car insurance rates different than rates in Conway 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 Damascus, AR?

More time spent behind the wheel can lead to higher Damascus, Arkansas car insurance rates. In Damascus, AR, the average commute length is 21.5 minutes.

Car Insurance Quotes for Damascus, AR

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