Cheap Quotes for Saint Charles, AR Car Insurance (2021)

Saint Charles, Arkansas car insurance rates average $348 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Saint Charles, AR companies, you can find cheap Saint Charles 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

  • The cheapest car insurance company in Saint Charles is USAA
  • Average car insurance rates in Saint Charles, AR are $348/month
  • Average car insurance rates in Saint Charles, AR after a DUI are $5,028/year

How do the Saint Charles, Arkansas monthly average car insurance rates of $348/month compare to nearby cities like Rogers car insurance rates, Fort Smith 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 Saint Charles, AR.

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

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

What are the minimum Saint Charles, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Saint Charles, 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 $3,147 $3,151 $2,820 $3,013 $11,935 $14,373 $3,450 $3,739
Farmers $2,253 $2,246 $2,014 $2,117 $9,370 $9,720 $2,574 $2,711
GEICO $2,417 $2,395 $2,234 $2,172 $6,106 $6,139 $2,364 $2,396
Liberty Mutual $2,227 $2,384 $2,143 $2,398 $8,234 $9,082 $2,410 $2,513
Nationwide $2,514 $2,562 $2,259 $2,387 $6,062 $7,723 $2,875 $3,099
Progressive $2,984 $2,845 $2,449 $2,554 $12,182 $13,752 $3,568 $3,851
State Farm $1,687 $1,687 $1,509 $1,509 $4,837 $6,089 $1,900 $2,174
Travelers $2,340 $2,385 $2,307 $2,316 $13,707 $22,094 $2,501 $2,885
USAA $1,475 $1,494 $1,364 $1,379 $4,636 $4,863 $1,910 $2,065

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

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

Annual Car Insurance Rates for Teen Drivers in Saint Charles, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,935 $14,373
Farmers $9,370 $9,720
GEICO $6,106 $6,139
Liberty Mutual $8,234 $9,082
Nationwide $6,062 $7,723
Progressive $12,182 $13,752
State Farm $4,837 $6,089
Travelers $13,707 $22,094
USAA $4,636 $4,863

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

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

Annual Car Insurance Rates for Senior Drivers in Saint Charles, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,820 $3,013
Farmers $2,014 $2,117
GEICO $2,234 $2,172
Liberty Mutual $2,143 $2,398
Nationwide $2,259 $2,387
Progressive $2,449 $2,554
State Farm $1,509 $1,509
Travelers $2,307 $2,316
USAA $1,364 $1,379

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

Annual Car Insurance Rates by Coverage Level in Saint Charles, Arkansas

Insurance Company Low Medium High
Allstate $5,536 $5,700 $5,874
Farmers $3,917 $4,082 $4,378
GEICO $3,140 $3,277 $3,417
Liberty Mutual $3,776 $3,892 $4,104
Nationwide $3,704 $3,609 $3,742
Progressive $5,088 $5,428 $6,054
State Farm $2,541 $2,671 $2,810
Travelers $5,998 $6,333 $6,619
USAA $2,302 $2,390 $2,503

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

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

Annual Saint Charles, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,664 $5,913 $6,616 $5,621
Farmers $3,492 $4,468 $4,364 $4,178
GEICO $2,214 $3,409 $5,107 $2,382
Liberty Mutual $2,668 $4,350 $5,091 $3,586
Nationwide $2,870 $3,704 $5,007 $3,159
Progressive $4,768 $6,589 $5,008 $5,727
State Farm $2,456 $2,892 $2,674 $2,674
Travelers $5,294 $5,470 $8,006 $6,496
USAA $1,840 $2,334 $3,374 $2,044

How does a DUI affect Saint Charles, AR car insurance rates?

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

Annual Car Insurance Rates After a DUI in Saint Charles, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,616
Farmers $4,364
GEICO $5,107
Liberty Mutual $5,091
Nationwide $5,007
Progressive $5,008
State Farm $2,674
Travelers $8,006
USAA $3,374

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

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

Annual Car Insurance Rates by Credit Score in Saint Charles, Arkansas

Insurance Company Poor Fair Good
Allstate $7,164 $5,497 $4,450
Farmers $4,696 $3,933 $3,748
GEICO $3,928 $3,227 $2,678
Liberty Mutual $5,655 $3,430 $2,687
Nationwide $4,353 $3,506 $3,196
Progressive $6,289 $5,333 $4,948
State Farm $3,873 $2,332 $1,816
Travelers $7,246 $6,049 $5,654
USAA $3,186 $2,166 $1,843

How does your commute affect Saint Charles, AR car insurance rates?

Saint Charles, 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 Saint Charles if you’re financing.

Annual Car Insurance Rates by Commute Length in Saint Charles, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,704 $5,704
Farmers $4,126 $4,126
GEICO $3,258 $3,297
Liberty Mutual $3,924 $3,924
Nationwide $3,685 $3,685
Progressive $5,523 $5,523
State Farm $2,609 $2,738
Travelers $6,317 $6,317
USAA $2,329 $2,468

Who has the cheapest Saint Charles, AR car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Saint Charles, Arkansas

Insurance Company Average Annual Rates
Allstate $5,704
Farmers $4,126
GEICO $3,278
Liberty Mutual $3,924
Nationwide $3,685
Progressive $5,523
State Farm $2,674
Travelers $6,317
USAA $2,398

Car Insurance Quotes for Saint Charles, AR

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