Cheap Quotes for Hector, AR Car Insurance (2021)

Hector, Arkansas car insurance rates average $321 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Hector, AR companies, you can find cheap Hector 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 Hector, AR after a DUI are $4,632/year
  • Average car insurance rates in Hector, AR for senior drivers are $2,022/year
  • Hector has an average commute time of 33.0 minutes

How do the Hector, Arkansas monthly average car insurance rates of $321/month compare to nearby cities like Conway car insurance rates, North Little Rock car insurance rates, and Jonesboro car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Hector, AR.

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

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

What are the minimum Hector, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Hector, 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 $2,874 $2,900 $2,554 $2,733 $10,299 $12,333 $3,186 $3,471
Farmers $2,268 $2,256 $2,029 $2,132 $9,440 $9,776 $2,600 $2,742
GEICO $2,331 $2,305 $2,150 $2,090 $6,083 $6,098 $2,293 $2,325
Liberty Mutual $2,293 $2,454 $2,188 $2,435 $7,960 $8,744 $2,473 $2,586
Nationwide $2,448 $2,496 $2,200 $2,325 $5,888 $7,499 $2,797 $3,014
Progressive $2,592 $2,461 $2,127 $2,225 $10,842 $12,212 $3,102 $3,354
State Farm $1,622 $1,622 $1,443 $1,443 $4,553 $5,734 $1,824 $2,088
Travelers $2,024 $2,063 $1,994 $2,000 $11,669 $18,720 $2,163 $2,505
USAA $1,248 $1,259 $1,160 $1,165 $3,916 $4,097 $1,602 $1,724

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

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

Annual Car Insurance Rates for Teen Drivers in Hector, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,299 $12,333
Farmers $9,440 $9,776
GEICO $6,083 $6,098
Liberty Mutual $7,960 $8,744
Nationwide $5,888 $7,499
Progressive $10,842 $12,212
State Farm $4,553 $5,734
Travelers $11,669 $18,720
USAA $3,916 $4,097

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

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

Annual Car Insurance Rates for Senior Drivers in Hector, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,554 $2,733
Farmers $2,029 $2,132
GEICO $2,150 $2,090
Liberty Mutual $2,188 $2,435
Nationwide $2,200 $2,325
Progressive $2,127 $2,225
State Farm $1,443 $1,443
Travelers $1,994 $2,000
USAA $1,160 $1,165

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

Annual Car Insurance Rates by Coverage Level in Hector, Arkansas

Insurance Company Low Medium High
Allstate $4,913 $5,041 $5,177
Farmers $3,962 $4,115 $4,389
GEICO $3,089 $3,209 $3,331
Liberty Mutual $3,768 $3,869 $4,038
Nationwide $3,614 $3,513 $3,623
Progressive $4,513 $4,794 $5,286
State Farm $2,424 $2,538 $2,661
Travelers $5,150 $5,407 $5,619
USAA $1,938 $2,014 $2,113

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

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

Annual Hector, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,169 $5,233 $5,803 $4,970
Farmers $3,512 $4,498 $4,396 $4,215
GEICO $2,177 $3,340 $4,978 $2,343
Liberty Mutual $2,655 $4,306 $5,036 $3,571
Nationwide $2,794 $3,602 $4,865 $3,073
Progressive $4,195 $5,820 $4,406 $5,036
State Farm $2,340 $2,742 $2,541 $2,541
Travelers $4,521 $4,671 $6,829 $5,548
USAA $1,555 $1,970 $2,837 $1,724

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

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

Annual Car Insurance Rates After a DUI in Hector, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,803
Farmers $4,396
GEICO $4,978
Liberty Mutual $5,036
Nationwide $4,865
Progressive $4,406
State Farm $2,541
Travelers $6,829
USAA $2,837

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

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

Annual Car Insurance Rates by Credit Score in Hector, Arkansas

Insurance Company Poor Fair Good
Allstate $6,342 $4,850 $3,938
Farmers $4,729 $3,962 $3,775
GEICO $3,845 $3,161 $2,622
Liberty Mutual $5,625 $3,392 $2,658
Nationwide $4,238 $3,407 $3,105
Progressive $5,525 $4,701 $4,367
State Farm $3,679 $2,217 $1,727
Travelers $6,188 $5,163 $4,825
USAA $2,674 $1,829 $1,561

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

Hector, 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 Hector if you’re financing.

Annual Car Insurance Rates by Commute Length in Hector, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,044 $5,044
Farmers $4,155 $4,155
GEICO $3,187 $3,232
Liberty Mutual $3,892 $3,892
Nationwide $3,583 $3,583
Progressive $4,864 $4,864
State Farm $2,481 $2,601
Travelers $5,392 $5,392
USAA $1,964 $2,079

Who has the cheapest Hector, AR car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Hector, Arkansas

Insurance Company Average Annual Rates
Allstate $5,044
Farmers $4,155
GEICO $3,209
Liberty Mutual $3,892
Nationwide $3,583
Progressive $4,864
State Farm $2,541
Travelers $5,392
USAA $2,022

What factors affect Hector, AR car insurance rates?

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

More time spent behind the wheel can lead to higher Hector, Arkansas car insurance rates. In Hector, AR, the average commute length is 33.0 minutes.

Car Insurance Quotes for Hector, AR

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