Cheap Quotes for Garner, AR Car Insurance (2021)

Garner, Arkansas car insurance rates average $345 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Garner, AR companies, you can find cheap Garner 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 Garner, AR are $345/month
  • Average car insurance rates in Garner, AR for senior drivers are $2,139/year
  • Garner has an average commute time of 23.4 minutes

How do the Garner, Arkansas monthly average car insurance rates of $345/month compare to nearby cities like North Little Rock car insurance rates, Pine Bluff car insurance rates, and Conway car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Garner, AR.

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

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

What are the minimum Garner, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Garner, 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 $2,775 $2,784 $2,489 $2,659 $10,296 $12,363 $3,045 $3,292
Farmers $2,394 $2,384 $2,135 $2,248 $10,243 $10,637 $2,741 $2,882
GEICO $2,442 $2,411 $2,249 $2,187 $6,504 $6,507 $2,410 $2,444
Liberty Mutual $2,227 $2,384 $2,143 $2,398 $8,234 $9,082 $2,410 $2,513
Nationwide $2,718 $2,768 $2,440 $2,578 $6,624 $8,442 $3,116 $3,360
Progressive $3,019 $2,856 $2,484 $2,596 $12,912 $14,550 $3,611 $3,911
State Farm $1,730 $1,730 $1,554 $1,554 $5,079 $6,379 $1,950 $2,239
Travelers $2,238 $2,283 $2,198 $2,205 $12,739 $20,405 $2,387 $2,786
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 Garner, AR?

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

Annual Car Insurance Rates for Teen Drivers in Garner, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,296 $12,363
Farmers $10,243 $10,637
GEICO $6,504 $6,507
Liberty Mutual $8,234 $9,082
Nationwide $6,624 $8,442
Progressive $12,912 $14,550
State Farm $5,079 $6,379
Travelers $12,739 $20,405
USAA $4,009 $4,199

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

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

Annual Car Insurance Rates for Senior Drivers in Garner, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,489 $2,659
Farmers $2,135 $2,248
GEICO $2,249 $2,187
Liberty Mutual $2,143 $2,398
Nationwide $2,440 $2,578
Progressive $2,484 $2,596
State Farm $1,554 $1,554
Travelers $2,198 $2,205
USAA $1,192 $1,200

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

Annual Car Insurance Rates by Coverage Level in Garner, Arkansas

Insurance Company Low Medium High
Allstate $4,807 $4,960 $5,121
Farmers $4,222 $4,407 $4,745
GEICO $3,250 $3,393 $3,540
Liberty Mutual $3,776 $3,892 $4,104
Nationwide $4,022 $3,922 $4,073
Progressive $5,250 $5,638 $6,338
State Farm $2,635 $2,774 $2,922
Travelers $5,646 $5,923 $6,147
USAA $1,989 $2,069 $2,171

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

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

Annual Garner, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,079 $5,149 $5,733 $4,890
Farmers $3,770 $4,831 $4,723 $4,509
GEICO $2,310 $3,534 $5,248 $2,486
Liberty Mutual $2,668 $4,350 $5,091 $3,586
Nationwide $3,114 $4,027 $5,453 $3,429
Progressive $4,946 $6,889 $5,200 $5,934
State Farm $2,543 $3,011 $2,777 $2,777
Travelers $4,951 $5,116 $7,469 $6,084
USAA $1,597 $2,023 $2,912 $1,772

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

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

Annual Car Insurance Rates After a DUI in Garner, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,733
Farmers $4,723
GEICO $5,248
Liberty Mutual $5,091
Nationwide $5,453
Progressive $5,200
State Farm $2,777
Travelers $7,469
USAA $2,912

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

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

Annual Car Insurance Rates by Credit Score in Garner, Arkansas

Insurance Company Poor Fair Good
Allstate $6,230 $4,782 $3,877
Farmers $5,062 $4,256 $4,055
GEICO $4,065 $3,344 $2,774
Liberty Mutual $5,655 $3,430 $2,687
Nationwide $4,733 $3,811 $3,473
Progressive $6,500 $5,555 $5,172
State Farm $4,023 $2,422 $1,886
Travelers $6,787 $5,651 $5,278
USAA $2,749 $1,878 $1,602

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

Garner, 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 Garner if you’re financing.

Annual Car Insurance Rates by Commute Length in Garner, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,963 $4,963
Farmers $4,458 $4,458
GEICO $3,369 $3,420
Liberty Mutual $3,924 $3,924
Nationwide $4,006 $4,006
Progressive $5,742 $5,742
State Farm $2,710 $2,844
Travelers $5,905 $5,905
USAA $2,017 $2,135

Who has the cheapest Garner, AR car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Garner, Arkansas

Insurance Company Average Annual Rates
Allstate $4,963
Farmers $4,458
GEICO $3,394
Liberty Mutual $3,924
Nationwide $4,006
Progressive $5,742
State Farm $2,777
Travelers $5,905
USAA $2,076

What factors affect Garner, AR car insurance rates?

Why are Garner, Arkansas car insurance rates different than rates in North Little Rock 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 Garner, AR?

More time spent behind the wheel can lead to higher Garner, Arkansas car insurance rates. In Garner, AR, the average commute length is 23.4 minutes.

Car Insurance Quotes for Garner, AR

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