Cheap Quotes for Emerson, AR Car Insurance (2021)

Emerson, Arkansas car insurance rates average $344 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Emerson, AR companies, you can find cheap Emerson 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

  • Emerson has an average commute time of 26.7 minutes
  • Average car insurance rates in Emerson, AR after a DUI are $4,998/year
  • Average car insurance rates in Emerson, AR are $344/month

How do the Emerson, Arkansas monthly average car insurance rates of $344/month compare to nearby cities like Jonesboro car insurance rates, North Little Rock 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 Emerson, AR.

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

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

What are the minimum Emerson, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Emerson, 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 $3,085 $3,131 $2,728 $2,925 $10,757 $12,812 $3,447 $3,760
Farmers $2,287 $2,281 $2,048 $2,148 $9,275 $9,616 $2,613 $2,761
GEICO $2,750 $2,731 $2,547 $2,475 $6,742 $6,800 $2,677 $2,714
Liberty Mutual $2,453 $2,631 $2,316 $2,583 $8,242 $9,071 $2,645 $2,778
Nationwide $2,641 $2,703 $2,364 $2,513 $6,216 $7,979 $3,000 $3,248
Progressive $2,621 $2,507 $2,151 $2,238 $10,492 $11,845 $3,137 $3,381
State Farm $1,830 $1,830 $1,623 $1,623 $5,080 $6,408 $2,057 $2,352
Travelers $2,346 $2,395 $2,290 $2,303 $13,303 $21,383 $2,495 $2,919
USAA $1,421 $1,437 $1,314 $1,327 $4,446 $4,665 $1,835 $1,983

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

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

Annual Car Insurance Rates for Teen Drivers in Emerson, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,757 $12,812
Farmers $9,275 $9,616
GEICO $6,742 $6,800
Liberty Mutual $8,242 $9,071
Nationwide $6,216 $7,979
Progressive $10,492 $11,845
State Farm $5,080 $6,408
Travelers $13,303 $21,383
USAA $4,446 $4,665

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

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

Annual Car Insurance Rates for Senior Drivers in Emerson, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,728 $2,925
Farmers $2,048 $2,148
GEICO $2,547 $2,475
Liberty Mutual $2,316 $2,583
Nationwide $2,364 $2,513
Progressive $2,151 $2,238
State Farm $1,623 $1,623
Travelers $2,290 $2,303
USAA $1,314 $1,327

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

Annual Car Insurance Rates by Coverage Level in Emerson, Arkansas

Insurance Company Low Medium High
Allstate $5,200 $5,327 $5,464
Farmers $3,939 $4,089 $4,358
GEICO $3,545 $3,679 $3,815
Liberty Mutual $3,957 $4,064 $4,249
Nationwide $3,882 $3,758 $3,859
Progressive $4,455 $4,726 $5,209
State Farm $2,725 $2,847 $2,979
Travelers $5,898 $6,197 $6,442
USAA $2,214 $2,296 $2,401

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

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

Annual Emerson, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,440 $5,540 $6,093 $5,250
Farmers $3,496 $4,466 $4,361 $4,191
GEICO $2,472 $3,823 $5,763 $2,660
Liberty Mutual $2,810 $4,514 $5,277 $3,758
Nationwide $2,966 $3,853 $5,241 $3,273
Progressive $4,146 $5,707 $4,352 $4,981
State Farm $2,629 $3,072 $2,850 $2,850
Travelers $5,185 $5,358 $7,809 $6,365
USAA $1,769 $2,241 $3,240 $1,964

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

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

Annual Car Insurance Rates After a DUI in Emerson, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,093
Farmers $4,361
GEICO $5,763
Liberty Mutual $5,277
Nationwide $5,241
Progressive $4,352
State Farm $2,850
Travelers $7,809
USAA $3,240

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

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

Annual Car Insurance Rates by Credit Score in Emerson, Arkansas

Insurance Company Poor Fair Good
Allstate $6,716 $5,122 $4,154
Farmers $4,708 $3,931 $3,747
GEICO $4,411 $3,620 $3,007
Liberty Mutual $5,925 $3,555 $2,789
Nationwide $4,545 $3,642 $3,312
Progressive $5,476 $4,627 $4,286
State Farm $4,130 $2,486 $1,935
Travelers $7,103 $5,913 $5,522
USAA $3,059 $2,081 $1,771

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

Emerson, 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 Emerson if you’re financing.

Annual Car Insurance Rates by Commute Length in Emerson, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,331 $5,331
Farmers $4,129 $4,129
GEICO $3,661 $3,698
Liberty Mutual $4,090 $4,090
Nationwide $3,833 $3,833
Progressive $4,796 $4,796
State Farm $2,783 $2,918
Travelers $6,179 $6,179
USAA $2,237 $2,370

Who has the cheapest Emerson, AR car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Emerson, Arkansas

Insurance Company Average Annual Rates
Allstate $5,331
Farmers $4,129
GEICO $3,679
Liberty Mutual $4,090
Nationwide $3,833
Progressive $4,796
State Farm $2,850
Travelers $6,179
USAA $2,303

What factors affect Emerson, AR car insurance rates?

Why are Emerson, Arkansas car insurance rates different than rates in Jonesboro or North Little Rock? 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 Emerson, AR?

More time spent behind the wheel can lead to higher Emerson, Arkansas car insurance rates. In Emerson, AR, the average commute length is 26.7 minutes.

Car Insurance Quotes for Emerson, AR

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