Cheap Quotes for Locust Grove, AR Car Insurance (2021)

Locust Grove, Arkansas car insurance rates average $359 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Locust Grove, AR companies, you can find cheap Locust Grove 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 Locust Grove, AR are $359/month
  • Average car insurance rates in Locust Grove, AR after a DUI are $5,145/year
  • Average car insurance rates in Locust Grove, AR for senior drivers are $2,241/year

How do the Locust Grove, Arkansas monthly average car insurance rates of $359/month compare to nearby cities like Bentonville car insurance rates, North Little Rock car insurance rates, and Fort Smith car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Locust Grove, AR.

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

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

What are the minimum Locust Grove, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Locust Grove, 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 $2,943 $2,969 $2,616 $2,798 $10,561 $12,653 $3,262 $3,555
Farmers $2,628 $2,611 $2,347 $2,466 $11,086 $11,483 $3,028 $3,201
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 $2,718 $2,768 $2,440 $2,578 $6,624 $8,442 $3,116 $3,360
Progressive $3,281 $3,109 $2,698 $2,817 $13,965 $15,740 $3,932 $4,266
State Farm $1,837 $1,837 $1,629 $1,629 $5,105 $6,439 $2,065 $2,361
Travelers $2,274 $2,317 $2,251 $2,256 $13,301 $21,353 $2,436 $2,811
USAA $1,284 $1,296 $1,192 $1,200 $4,009 $4,199 $1,650 $1,779

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

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

Annual Car Insurance Rates for Teen Drivers in Locust Grove, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,561 $12,653
Farmers $11,086 $11,483
GEICO $6,591 $6,629
Liberty Mutual $7,977 $8,773
Nationwide $6,624 $8,442
Progressive $13,965 $15,740
State Farm $5,105 $6,439
Travelers $13,301 $21,353
USAA $4,009 $4,199

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

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

Annual Car Insurance Rates for Senior Drivers in Locust Grove, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,616 $2,798
Farmers $2,347 $2,466
GEICO $2,408 $2,340
Liberty Mutual $2,208 $2,460
Nationwide $2,440 $2,578
Progressive $2,698 $2,817
State Farm $1,629 $1,629
Travelers $2,251 $2,256
USAA $1,192 $1,200

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

Annual Car Insurance Rates by Coverage Level in Locust Grove, Arkansas

Insurance Company Low Medium High
Allstate $5,036 $5,166 $5,306
Farmers $4,635 $4,810 $5,124
GEICO $3,403 $3,535 $3,671
Liberty Mutual $3,798 $3,899 $4,073
Nationwide $4,022 $3,922 $4,073
Progressive $5,748 $6,129 $6,802
State Farm $2,736 $2,860 $2,992
Travelers $5,832 $6,142 $6,401
USAA $1,989 $2,069 $2,171

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

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

Annual Locust Grove, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,270 $5,362 $5,952 $5,095
Farmers $4,097 $5,258 $5,137 $4,934
GEICO $2,385 $3,677 $5,517 $2,566
Liberty Mutual $2,685 $4,336 $5,070 $3,601
Nationwide $3,114 $4,027 $5,453 $3,429
Progressive $5,363 $7,467 $5,635 $6,439
State Farm $2,640 $3,085 $2,862 $2,862
Travelers $5,131 $5,301 $7,767 $6,302
USAA $1,597 $2,023 $2,912 $1,772

How does a DUI affect Locust Grove, AR car insurance rates?

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

Annual Car Insurance Rates After a DUI in Locust Grove, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,952
Farmers $5,137
GEICO $5,517
Liberty Mutual $5,070
Nationwide $5,453
Progressive $5,635
State Farm $2,862
Travelers $7,767
USAA $2,912

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

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

Annual Car Insurance Rates by Credit Score in Locust Grove, Arkansas

Insurance Company Poor Fair Good
Allstate $6,504 $4,971 $4,034
Farmers $5,526 $4,632 $4,411
GEICO $4,238 $3,481 $2,890
Liberty Mutual $5,679 $3,414 $2,677
Nationwide $4,733 $3,811 $3,473
Progressive $7,054 $6,021 $5,603
State Farm $4,148 $2,496 $1,943
Travelers $7,028 $5,865 $5,482
USAA $2,749 $1,878 $1,602

How does your commute affect Locust Grove, AR car insurance rates?

Locust Grove, 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 Locust Grove if you’re financing.

Annual Car Insurance Rates by Commute Length in Locust Grove, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,170 $5,170
Farmers $4,856 $4,856
GEICO $3,516 $3,557
Liberty Mutual $3,923 $3,923
Nationwide $4,006 $4,006
Progressive $6,226 $6,226
State Farm $2,794 $2,931
Travelers $6,125 $6,125
USAA $2,017 $2,135

Who has the cheapest Locust Grove, AR car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Locust Grove, Arkansas

Insurance Company Average Annual Rates
Allstate $5,170
Farmers $4,856
GEICO $3,536
Liberty Mutual $3,923
Nationwide $4,006
Progressive $6,226
State Farm $2,862
Travelers $6,125
USAA $2,076

Car Insurance Quotes for Locust Grove, AR

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