Cheap Quotes for Harrisburg, AR Car Insurance (2021)

Harrisburg, Arkansas car insurance rates average $349 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Harrisburg, AR companies, you can find cheap Harrisburg 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

  • Harrisburg has an average commute time of 28.1 minutes
  • Average car insurance rates in Harrisburg, AR for senior drivers are $2,183/year
  • Average car insurance rates in Harrisburg, AR are $349/month

How do the Harrisburg, Arkansas monthly average car insurance rates of $349/month compare to nearby cities like Bentonville car insurance rates, Jonesboro 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 Harrisburg, AR.

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

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

What are the minimum Harrisburg, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Harrisburg, 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 $2,887 $2,904 $2,584 $2,763 $10,632 $12,742 $3,179 $3,439
Farmers $2,382 $2,375 $2,132 $2,237 $9,676 $10,036 $2,714 $2,861
GEICO $2,710 $2,676 $2,498 $2,428 $7,142 $7,150 $2,668 $2,706
Liberty Mutual $2,188 $2,342 $2,111 $2,361 $7,986 $8,798 $2,360 $2,456
Nationwide $2,718 $2,768 $2,440 $2,578 $6,624 $8,442 $3,116 $3,360
Progressive $2,997 $2,850 $2,464 $2,572 $12,355 $13,928 $3,582 $3,858
State Farm $1,795 $1,795 $1,615 $1,615 $5,299 $6,658 $2,025 $2,323
Travelers $2,208 $2,249 $2,182 $2,190 $12,991 $20,949 $2,362 $2,715
USAA $1,356 $1,369 $1,260 $1,267 $4,306 $4,504 $1,749 $1,883

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

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

Annual Car Insurance Rates for Teen Drivers in Harrisburg, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,632 $12,742
Farmers $9,676 $10,036
GEICO $7,142 $7,150
Liberty Mutual $7,986 $8,798
Nationwide $6,624 $8,442
Progressive $12,355 $13,928
State Farm $5,299 $6,658
Travelers $12,991 $20,949
USAA $4,306 $4,504

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

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

Annual Car Insurance Rates for Senior Drivers in Harrisburg, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,584 $2,763
Farmers $2,132 $2,237
GEICO $2,498 $2,428
Liberty Mutual $2,111 $2,361
Nationwide $2,440 $2,578
Progressive $2,464 $2,572
State Farm $1,615 $1,615
Travelers $2,182 $2,190
USAA $1,260 $1,267

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

Annual Car Insurance Rates by Coverage Level in Harrisburg, Arkansas

Insurance Company Low Medium High
Allstate $4,986 $5,138 $5,300
Farmers $4,100 $4,259 $4,545
GEICO $3,574 $3,746 $3,921
Liberty Mutual $3,677 $3,794 $4,004
Nationwide $4,022 $3,922 $4,073
Progressive $5,128 $5,483 $6,116
State Farm $2,738 $2,889 $3,045
Travelers $5,668 $5,996 $6,277
USAA $2,117 $2,204 $2,315

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

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

Annual Harrisburg, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,237 $5,338 $5,925 $5,065
Farmers $3,647 $4,653 $4,547 $4,360
GEICO $2,551 $3,901 $5,792 $2,745
Liberty Mutual $2,604 $4,240 $4,959 $3,498
Nationwide $3,114 $4,027 $5,453 $3,429
Progressive $4,811 $6,660 $5,055 $5,776
State Farm $2,646 $3,136 $2,891 $2,891
Travelers $5,013 $5,178 $7,583 $6,149
USAA $1,698 $2,156 $3,110 $1,884

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

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

Annual Car Insurance Rates After a DUI in Harrisburg, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,925
Farmers $4,547
GEICO $5,792
Liberty Mutual $4,959
Nationwide $5,453
Progressive $5,055
State Farm $2,891
Travelers $7,583
USAA $3,110

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

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

Annual Car Insurance Rates by Credit Score in Harrisburg, Arkansas

Insurance Company Poor Fair Good
Allstate $6,458 $4,953 $4,013
Farmers $4,901 $4,098 $3,907
GEICO $4,489 $3,691 $3,062
Liberty Mutual $5,515 $3,342 $2,618
Nationwide $4,733 $3,811 $3,473
Progressive $6,340 $5,386 $5,001
State Farm $4,189 $2,521 $1,962
Travelers $6,858 $5,729 $5,355
USAA $2,928 $2,001 $1,706

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

Harrisburg, 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 Harrisburg if you’re financing.

Annual Car Insurance Rates by Commute Length in Harrisburg, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,141 $5,141
Farmers $4,302 $4,302
GEICO $3,720 $3,775
Liberty Mutual $3,825 $3,825
Nationwide $4,006 $4,006
Progressive $5,576 $5,576
State Farm $2,820 $2,961
Travelers $5,981 $5,981
USAA $2,149 $2,275

Who has the cheapest Harrisburg, AR car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Harrisburg, Arkansas

Insurance Company Average Annual Rates
Allstate $5,141
Farmers $4,302
GEICO $3,747
Liberty Mutual $3,825
Nationwide $4,006
Progressive $5,576
State Farm $2,891
Travelers $5,981
USAA $2,212

What factors affect Harrisburg, AR car insurance rates?

Why are Harrisburg, Arkansas car insurance rates different than rates in Bentonville or Jonesboro? 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 Harrisburg, AR?

More time spent behind the wheel can lead to higher Harrisburg, Arkansas car insurance rates. In Harrisburg, AR, the average commute length is 28.1 minutes.

What is the traffic like in Harrisburg, AR

Like commute length, time spent in traffic also increase risk of accidents. Harrisburg, AR is listed as 361st in INRIX congested cities data.

Car Insurance Quotes for Harrisburg, AR

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