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

Saint Joe, Arkansas car insurance rates average $318 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Saint Joe, AR companies, you can find cheap Saint Joe 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 Saint Joe, AR for senior drivers are $1,997/year
  • Average car insurance rates in Saint Joe, AR after a DUI are $4,583/year
  • The cheapest car insurance company in Saint Joe is USAA

How do the Saint Joe, Arkansas monthly average car insurance rates of $318/month compare to nearby cities like Rogers car insurance rates, Jonesboro 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 Saint Joe, AR.

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

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

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

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Saint Joe, 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 $2,851 $2,879 $2,533 $2,709 $10,157 $12,157 $3,163 $3,449
Farmers $2,128 $2,119 $1,904 $2,001 $8,834 $9,149 $2,436 $2,568
GEICO $2,331 $2,305 $2,150 $2,090 $6,083 $6,098 $2,293 $2,325
Liberty Mutual $2,084 $2,229 $1,999 $2,228 $7,413 $8,150 $2,247 $2,344
Nationwide $2,448 $2,496 $2,200 $2,325 $5,888 $7,499 $2,797 $3,014
Progressive $2,676 $2,548 $2,195 $2,292 $11,068 $12,480 $3,206 $3,471
State Farm $1,595 $1,595 $1,422 $1,422 $4,544 $5,708 $1,795 $2,065
Travelers $2,079 $2,120 $2,046 $2,053 $11,908 $19,091 $2,219 $2,579
USAA $1,277 $1,291 $1,183 $1,194 $3,959 $4,151 $1,642 $1,772

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

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,157 $12,157
Farmers $8,834 $9,149
GEICO $6,083 $6,098
Liberty Mutual $7,413 $8,150
Nationwide $5,888 $7,499
Progressive $11,068 $12,480
State Farm $4,544 $5,708
Travelers $11,908 $19,091
USAA $3,959 $4,151

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

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,533 $2,709
Farmers $1,904 $2,001
GEICO $2,150 $2,090
Liberty Mutual $1,999 $2,228
Nationwide $2,200 $2,325
Progressive $2,195 $2,292
State Farm $1,422 $1,422
Travelers $2,046 $2,053
USAA $1,183 $1,194

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

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

Insurance Company Low Medium High
Allstate $4,873 $4,984 $5,105
Farmers $3,702 $3,853 $4,123
GEICO $3,089 $3,209 $3,331
Liberty Mutual $3,463 $3,563 $3,734
Nationwide $3,614 $3,513 $3,623
Progressive $4,647 $4,921 $5,408
State Farm $2,405 $2,515 $2,634
Travelers $5,262 $5,528 $5,746
USAA $1,975 $2,051 $2,149

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

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

Annual Saint Joe, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,126 $5,170 $5,737 $4,916
Farmers $3,291 $4,216 $4,116 $3,947
GEICO $2,177 $3,340 $4,978 $2,343
Liberty Mutual $2,444 $3,973 $4,645 $3,285
Nationwide $2,794 $3,602 $4,865 $3,073
Progressive $4,307 $5,965 $4,523 $5,174
State Farm $2,315 $2,722 $2,518 $2,518
Travelers $4,622 $4,775 $6,975 $5,675
USAA $1,585 $2,004 $2,887 $1,758

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

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,737
Farmers $4,116
GEICO $4,978
Liberty Mutual $4,645
Nationwide $4,865
Progressive $4,523
State Farm $2,518
Travelers $6,975
USAA $2,887

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

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

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

Insurance Company Poor Fair Good
Allstate $6,269 $4,797 $3,895
Farmers $4,434 $3,709 $3,534
GEICO $3,845 $3,161 $2,622
Liberty Mutual $5,176 $3,131 $2,453
Nationwide $4,238 $3,407 $3,105
Progressive $5,679 $4,821 $4,476
State Farm $3,646 $2,197 $1,712
Travelers $6,330 $5,276 $4,929
USAA $2,729 $1,861 $1,586

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

Saint Joe, 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 Joe if you’re financing.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,987 $4,987
Farmers $3,893 $3,893
GEICO $3,187 $3,232
Liberty Mutual $3,587 $3,587
Nationwide $3,583 $3,583
Progressive $4,992 $4,992
State Farm $2,459 $2,577
Travelers $5,512 $5,512
USAA $2,000 $2,117

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

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

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

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

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

Insurance Company Average Annual Rates
Allstate $4,987
Farmers $3,893
GEICO $3,209
Liberty Mutual $3,587
Nationwide $3,583
Progressive $4,992
State Farm $2,518
Travelers $5,512
USAA $2,059

Car Insurance Quotes for Saint Joe, AR

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