Cheap Quotes for Heber Springs, AR Car Insurance (2021)

Heber Springs, Arkansas car insurance rates average $340 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Heber Springs, AR companies, you can find cheap Heber Springs 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 Heber Springs, AR are $340/month
  • Heber Springs has an average commute time of 17.1 minutes
  • The cheapest car insurance company in Heber Springs is USAA

How do the Heber Springs, Arkansas monthly average car insurance rates of $340/month compare to nearby cities like Jonesboro car insurance rates, Little Rock car insurance rates, and Pine Bluff car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Heber Springs, AR.

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

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

What are the minimum Heber Springs, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Heber Springs, 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 $2,956 $2,964 $2,648 $2,829 $11,052 $13,293 $3,246 $3,518
Farmers $2,328 $2,319 $2,081 $2,186 $9,734 $10,093 $2,672 $2,822
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 $2,447 $2,493 $2,200 $2,323 $5,904 $7,513 $2,798 $3,014
Progressive $3,032 $2,880 $2,489 $2,604 $12,669 $14,278 $3,628 $3,922
State Farm $1,703 $1,703 $1,519 $1,519 $4,818 $6,073 $1,916 $2,188
Travelers $2,123 $2,165 $2,090 $2,097 $12,209 $19,577 $2,268 $2,633
USAA $1,269 $1,282 $1,178 $1,187 $3,956 $4,144 $1,632 $1,759

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

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

Annual Car Insurance Rates for Teen Drivers in Heber Springs, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,052 $13,293
Farmers $9,734 $10,093
GEICO $6,591 $6,629
Liberty Mutual $7,977 $8,773
Nationwide $5,904 $7,513
Progressive $12,669 $14,278
State Farm $4,818 $6,073
Travelers $12,209 $19,577
USAA $3,956 $4,144

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

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

Annual Car Insurance Rates for Senior Drivers in Heber Springs, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,648 $2,829
Farmers $2,081 $2,186
GEICO $2,408 $2,340
Liberty Mutual $2,208 $2,460
Nationwide $2,200 $2,323
Progressive $2,489 $2,604
State Farm $1,519 $1,519
Travelers $2,090 $2,097
USAA $1,178 $1,187

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

Annual Car Insurance Rates by Coverage Level in Heber Springs, Arkansas

Insurance Company Low Medium High
Allstate $5,158 $5,310 $5,472
Farmers $4,073 $4,236 $4,530
GEICO $3,403 $3,535 $3,671
Liberty Mutual $3,798 $3,899 $4,073
Nationwide $3,610 $3,515 $3,635
Progressive $5,258 $5,598 $6,207
State Farm $2,548 $2,677 $2,814
Travelers $5,393 $5,662 $5,881
USAA $1,964 $2,043 $2,145

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

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

Annual Heber Springs, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,357 $5,509 $6,151 $5,236
Farmers $3,616 $4,634 $4,526 $4,342
GEICO $2,385 $3,677 $5,517 $2,566
Liberty Mutual $2,685 $4,336 $5,070 $3,601
Nationwide $2,798 $3,605 $4,866 $3,077
Progressive $4,904 $6,805 $5,152 $5,889
State Farm $2,465 $2,894 $2,680 $2,680
Travelers $4,733 $4,890 $7,148 $5,811
USAA $1,578 $1,998 $2,876 $1,751

How does a DUI affect Heber Springs, AR car insurance rates?

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

Annual Car Insurance Rates After a DUI in Heber Springs, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,151
Farmers $4,526
GEICO $5,517
Liberty Mutual $5,070
Nationwide $4,866
Progressive $5,152
State Farm $2,680
Travelers $7,148
USAA $2,876

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

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

Annual Car Insurance Rates by Credit Score in Heber Springs, Arkansas

Insurance Company Poor Fair Good
Allstate $6,673 $5,119 $4,148
Farmers $4,872 $4,080 $3,887
GEICO $4,238 $3,481 $2,890
Liberty Mutual $5,679 $3,414 $2,677
Nationwide $4,238 $3,412 $3,110
Progressive $6,460 $5,496 $5,107
State Farm $3,881 $2,337 $1,820
Travelers $6,482 $5,405 $5,050
USAA $2,715 $1,855 $1,582

How does your commute affect Heber Springs, AR car insurance rates?

Heber Springs, 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 Heber Springs if you’re financing.

Annual Car Insurance Rates by Commute Length in Heber Springs, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,313 $5,313
Farmers $4,279 $4,279
GEICO $3,516 $3,557
Liberty Mutual $3,923 $3,923
Nationwide $3,587 $3,587
Progressive $5,688 $5,688
State Farm $2,615 $2,744
Travelers $5,645 $5,645
USAA $1,992 $2,109

Who has the cheapest Heber Springs, AR car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Heber Springs, Arkansas

Insurance Company Average Annual Rates
Allstate $5,313
Farmers $4,279
GEICO $3,536
Liberty Mutual $3,923
Nationwide $3,587
Progressive $5,688
State Farm $2,680
Travelers $5,645
USAA $2,051

What factors affect Heber Springs, AR car insurance rates?

Why are Heber Springs, Arkansas car insurance rates different than rates in Jonesboro or 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 Heber Springs, AR?

More time spent behind the wheel can lead to higher Heber Springs, Arkansas car insurance rates. In Heber Springs, AR, the average commute length is 17.1 minutes.

Car Insurance Quotes for Heber Springs, AR

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