Cheap Quotes for Horatio, AR Car Insurance (2021)

Horatio, Arkansas car insurance rates average $349 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Horatio, AR companies, you can find cheap Horatio 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 Horatio, AR are $349/month
  • Average car insurance rates in Horatio, AR for senior drivers are $2,205/year
  • The cheapest car insurance company in Horatio is USAA

How do the Horatio, Arkansas monthly average car insurance rates of $349/month compare to nearby cities like Jonesboro car insurance rates, Bentonville car insurance rates, and Hot Springs car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Horatio, AR.

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

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

What are the minimum Horatio, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Horatio, 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 $3,149 $3,200 $2,774 $2,977 $10,925 $13,011 $3,529 $3,860
Farmers $2,329 $2,319 $2,082 $2,188 $9,685 $10,039 $2,667 $2,812
GEICO $2,750 $2,731 $2,547 $2,475 $6,742 $6,800 $2,677 $2,714
Liberty Mutual $2,462 $2,637 $2,330 $2,596 $8,693 $9,570 $2,669 $2,804
Nationwide $2,641 $2,703 $2,364 $2,513 $6,216 $7,979 $3,000 $3,248
Progressive $2,656 $2,522 $2,181 $2,279 $11,139 $12,554 $3,179 $3,441
State Farm $1,929 $1,929 $1,713 $1,713 $5,415 $6,820 $2,170 $2,489
Travelers $2,318 $2,366 $2,269 $2,280 $13,212 $21,234 $2,468 $2,881
USAA $1,302 $1,317 $1,204 $1,215 $4,031 $4,231 $1,676 $1,810

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

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

Annual Car Insurance Rates for Teen Drivers in Horatio, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,925 $13,011
Farmers $9,685 $10,039
GEICO $6,742 $6,800
Liberty Mutual $8,693 $9,570
Nationwide $6,216 $7,979
Progressive $11,139 $12,554
State Farm $5,415 $6,820
Travelers $13,212 $21,234
USAA $4,031 $4,231

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

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

Annual Car Insurance Rates for Senior Drivers in Horatio, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,774 $2,977
Farmers $2,082 $2,188
GEICO $2,547 $2,475
Liberty Mutual $2,330 $2,596
Nationwide $2,364 $2,513
Progressive $2,181 $2,279
State Farm $1,713 $1,713
Travelers $2,269 $2,280
USAA $1,204 $1,215

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

Annual Car Insurance Rates by Coverage Level in Horatio, Arkansas

Insurance Company Low Medium High
Allstate $5,307 $5,426 $5,551
Farmers $4,060 $4,222 $4,513
GEICO $3,545 $3,679 $3,815
Liberty Mutual $4,093 $4,195 $4,373
Nationwide $3,882 $3,758 $3,859
Progressive $4,616 $4,915 $5,451
State Farm $2,892 $3,019 $3,155
Travelers $5,846 $6,146 $6,393
USAA $2,022 $2,092 $2,182

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

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

Annual Horatio, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,522 $5,642 $6,202 $5,346
Farmers $3,607 $4,617 $4,511 $4,324
GEICO $2,472 $3,823 $5,763 $2,660
Liberty Mutual $2,875 $4,670 $5,469 $3,867
Nationwide $2,966 $3,853 $5,241 $3,273
Progressive $4,306 $5,976 $4,524 $5,169
State Farm $2,784 $3,261 $3,022 $3,022
Travelers $5,141 $5,312 $7,748 $6,312
USAA $1,614 $2,040 $2,949 $1,791

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

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

Annual Car Insurance Rates After a DUI in Horatio, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,202
Farmers $4,511
GEICO $5,763
Liberty Mutual $5,469
Nationwide $5,241
Progressive $4,524
State Farm $3,022
Travelers $7,748
USAA $2,949

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

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

Annual Car Insurance Rates by Credit Score in Horatio, Arkansas

Insurance Company Poor Fair Good
Allstate $6,840 $5,213 $4,231
Farmers $4,855 $4,066 $3,874
GEICO $4,411 $3,620 $3,007
Liberty Mutual $6,104 $3,677 $2,880
Nationwide $4,545 $3,642 $3,312
Progressive $5,670 $4,826 $4,485
State Farm $4,381 $2,635 $2,050
Travelers $7,042 $5,865 $5,478
USAA $2,786 $1,896 $1,613

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

Horatio, 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 Horatio if you’re financing.

Annual Car Insurance Rates by Commute Length in Horatio, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,428 $5,428
Farmers $4,265 $4,265
GEICO $3,661 $3,698
Liberty Mutual $4,220 $4,220
Nationwide $3,833 $3,833
Progressive $4,994 $4,994
State Farm $2,951 $3,093
Travelers $6,128 $6,128
USAA $2,039 $2,158

Who has the cheapest Horatio, AR car insurance rates?

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

Best Annual Car Insurance Rates by Company in Horatio, Arkansas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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What are the top Horatio, AR car insurance companies?

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

Average Annual Car Insurance Rates by Company in Horatio, Arkansas

Insurance Company Average Annual Rates
Allstate $5,428
Farmers $4,265
GEICO $3,679
Liberty Mutual $4,220
Nationwide $3,833
Progressive $4,994
State Farm $3,022
Travelers $6,128
USAA $2,098

What factors affect Horatio, AR car insurance rates?

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

More time spent behind the wheel can lead to higher Horatio, Arkansas car insurance rates. In Horatio, AR, the average commute length is 24.1 minutes.

Car Insurance Quotes for Horatio, AR

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