Cheap Quotes for Saratoga, AR Car Insurance (2021)

Saratoga, Arkansas car insurance rates average $345 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Saratoga, AR companies, you can find cheap Saratoga 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 Saratoga, AR are $345/month
  • Average car insurance rates in Saratoga, AR after a DUI are $4,997/year
  • The cheapest car insurance company in Saratoga is USAA

How do the Saratoga, Arkansas monthly average car insurance rates of $345/month compare to nearby cities like Rogers car insurance rates, Hot Springs 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 Saratoga, AR.

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

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

What are the minimum Saratoga, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Saratoga, 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 $2,320 $2,085 $2,187 $9,533 $9,877 $2,666 $2,816
GEICO $2,619 $2,595 $2,419 $2,351 $6,655 $6,691 $2,565 $2,601
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 $2,585 $2,457 $2,122 $2,217 $10,816 $12,188 $3,097 $3,354
State Farm $1,746 $1,746 $1,554 $1,554 $4,948 $6,221 $1,965 $2,258
Travelers $2,363 $2,411 $2,318 $2,329 $13,557 $21,846 $2,515 $2,926
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 Saratoga, AR?

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

Annual Car Insurance Rates for Teen Drivers in Saratoga, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,925 $13,011
Farmers $9,533 $9,877
GEICO $6,655 $6,691
Liberty Mutual $8,693 $9,570
Nationwide $6,216 $7,979
Progressive $10,816 $12,188
State Farm $4,948 $6,221
Travelers $13,557 $21,846
USAA $4,031 $4,231

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

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

Annual Car Insurance Rates for Senior Drivers in Saratoga, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,774 $2,977
Farmers $2,085 $2,187
GEICO $2,419 $2,351
Liberty Mutual $2,330 $2,596
Nationwide $2,364 $2,513
Progressive $2,122 $2,217
State Farm $1,554 $1,554
Travelers $2,318 $2,329
USAA $1,204 $1,215

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

Annual Car Insurance Rates by Coverage Level in Saratoga, Arkansas

Insurance Company Low Medium High
Allstate $5,307 $5,426 $5,551
Farmers $4,035 $4,187 $4,458
GEICO $3,433 $3,561 $3,691
Liberty Mutual $4,093 $4,195 $4,373
Nationwide $3,882 $3,758 $3,859
Progressive $4,508 $4,784 $5,271
State Farm $2,628 $2,746 $2,873
Travelers $5,958 $6,301 $6,590
USAA $2,022 $2,092 $2,182

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

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

Annual Saratoga, 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 $3,576 $4,573 $4,467 $4,291
GEICO $2,403 $3,704 $5,555 $2,586
Liberty Mutual $2,875 $4,670 $5,469 $3,867
Nationwide $2,966 $3,853 $5,241 $3,273
Progressive $4,186 $5,808 $4,397 $5,027
State Farm $2,529 $2,969 $2,749 $2,749
Travelers $5,270 $5,446 $7,944 $6,473
USAA $1,614 $2,040 $2,949 $1,791

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

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

Annual Car Insurance Rates After a DUI in Saratoga, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,202
Farmers $4,467
GEICO $5,555
Liberty Mutual $5,469
Nationwide $5,241
Progressive $4,397
State Farm $2,749
Travelers $7,944
USAA $2,949

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

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

Annual Car Insurance Rates by Credit Score in Saratoga, Arkansas

Insurance Company Poor Fair Good
Allstate $6,840 $5,213 $4,231
Farmers $4,816 $4,026 $3,837
GEICO $4,269 $3,507 $2,911
Liberty Mutual $6,104 $3,677 $2,880
Nationwide $4,545 $3,642 $3,312
Progressive $5,514 $4,691 $4,358
State Farm $3,982 $2,398 $1,867
Travelers $7,221 $6,013 $5,616
USAA $2,786 $1,896 $1,613

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

Saratoga, 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 Saratoga if you’re financing.

Annual Car Insurance Rates by Commute Length in Saratoga, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,428 $5,428
Farmers $4,227 $4,227
GEICO $3,541 $3,583
Liberty Mutual $4,220 $4,220
Nationwide $3,833 $3,833
Progressive $4,854 $4,854
State Farm $2,684 $2,814
Travelers $6,283 $6,283
USAA $2,039 $2,158

Who has the cheapest Saratoga, AR car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Saratoga, Arkansas

Insurance Company Average Annual Rates
Allstate $5,428
Farmers $4,227
GEICO $3,562
Liberty Mutual $4,220
Nationwide $3,833
Progressive $4,854
State Farm $2,749
Travelers $6,283
USAA $2,098

Car Insurance Quotes for Saratoga, AR

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