Cheap Quotes for Houston, AR Car Insurance (2021)

Houston, Arkansas car insurance rates average $330 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Houston, AR companies, you can find cheap Houston 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 Houston, AR after a DUI are $4,760/year
  • Average car insurance rates in Houston, AR are $330/month
  • Houston has an average commute time of 25.1 minutes

How do the Houston, Arkansas monthly average car insurance rates of $330/month compare to nearby cities like Conway car insurance rates, Jonesboro car insurance rates, and Bentonville car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Houston, AR.

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

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

What are the minimum Houston, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Houston, 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 $2,788 $2,796 $2,501 $2,673 $10,445 $12,549 $3,058 $3,304
Farmers $2,243 $2,235 $2,009 $2,110 $9,119 $9,442 $2,560 $2,699
GEICO $2,547 $2,518 $2,349 $2,283 $6,678 $6,690 $2,507 $2,542
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 $2,675 $2,539 $2,198 $2,295 $11,275 $12,702 $3,206 $3,475
State Farm $1,720 $1,720 $1,552 $1,552 $5,144 $6,452 $1,941 $2,234
Travelers $2,102 $2,141 $2,076 $2,082 $12,242 $19,652 $2,250 $2,597
USAA $1,284 $1,298 $1,191 $1,201 $3,985 $4,179 $1,651 $1,782

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

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

Annual Car Insurance Rates for Teen Drivers in Houston, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,445 $12,549
Farmers $9,119 $9,442
GEICO $6,678 $6,690
Liberty Mutual $7,960 $8,744
Nationwide $5,888 $7,499
Progressive $11,275 $12,702
State Farm $5,144 $6,452
Travelers $12,242 $19,652
USAA $3,985 $4,179

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

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

Annual Car Insurance Rates for Senior Drivers in Houston, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,501 $2,673
Farmers $2,009 $2,110
GEICO $2,349 $2,283
Liberty Mutual $2,188 $2,435
Nationwide $2,200 $2,325
Progressive $2,198 $2,295
State Farm $1,552 $1,552
Travelers $2,076 $2,082
USAA $1,191 $1,201

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

Annual Car Insurance Rates by Coverage Level in Houston, Arkansas

Insurance Company Low Medium High
Allstate $4,853 $5,012 $5,178
Farmers $3,861 $4,013 $4,283
GEICO $3,362 $3,513 $3,667
Liberty Mutual $3,768 $3,869 $4,038
Nationwide $3,614 $3,513 $3,623
Progressive $4,685 $4,975 $5,477
State Farm $2,642 $2,787 $2,939
Travelers $5,382 $5,658 $5,888
USAA $1,988 $2,064 $2,162

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

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

Annual Houston, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,116 $5,206 $5,796 $4,939
Farmers $3,430 $4,386 $4,282 $4,110
GEICO $2,387 $3,658 $5,443 $2,569
Liberty Mutual $2,655 $4,306 $5,036 $3,571
Nationwide $2,794 $3,602 $4,865 $3,073
Progressive $4,350 $6,042 $4,569 $5,222
State Farm $2,548 $3,030 $2,789 $2,789
Travelers $4,729 $4,885 $7,153 $5,803
USAA $1,595 $2,017 $2,905 $1,769

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

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

Annual Car Insurance Rates After a DUI in Houston, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,796
Farmers $4,282
GEICO $5,443
Liberty Mutual $5,036
Nationwide $4,865
Progressive $4,569
State Farm $2,789
Travelers $7,153
USAA $2,905

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

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

Annual Car Insurance Rates by Credit Score in Houston, Arkansas

Insurance Company Poor Fair Good
Allstate $6,291 $4,833 $3,919
Farmers $4,621 $3,858 $3,677
GEICO $4,210 $3,461 $2,871
Liberty Mutual $5,625 $3,392 $2,658
Nationwide $4,238 $3,407 $3,105
Progressive $5,725 $4,877 $4,534
State Farm $4,041 $2,433 $1,894
Travelers $6,473 $5,404 $5,052
USAA $2,745 $1,873 $1,596

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

Houston, 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 Houston if you’re financing.

Annual Car Insurance Rates by Commute Length in Houston, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,014 $5,014
Farmers $4,052 $4,052
GEICO $3,489 $3,539
Liberty Mutual $3,892 $3,892
Nationwide $3,583 $3,583
Progressive $5,046 $5,046
State Farm $2,722 $2,857
Travelers $5,643 $5,643
USAA $2,012 $2,130

Who has the cheapest Houston, AR car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Houston, Arkansas

Insurance Company Average Annual Rates
Allstate $5,014
Farmers $4,052
GEICO $3,514
Liberty Mutual $3,892
Nationwide $3,583
Progressive $5,046
State Farm $2,789
Travelers $5,643
USAA $2,071

What factors affect Houston, AR car insurance rates?

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

More time spent behind the wheel can lead to higher Houston, Arkansas car insurance rates. In Houston, AR, the average commute length is 25.1 minutes.

What is the traffic like in Houston, AR

Like commute length, time spent in traffic also increase risk of accidents. Houston, AR is listed as 57th in INRIX congested cities data.

Car Insurance Quotes for Houston, AR

Shop for affordable Houston, Arkansas car insurance rates today. Enter your ZIP code to compare quotes from multiple Houston, AR car insurance companies.

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