Cheap Quotes for Scotland, AR Car Insurance (2021)

Scotland, Arkansas car insurance rates average $332 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Scotland, AR companies, you can find cheap Scotland 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 Scotland, AR after a DUI are $4,772/year
  • Average car insurance rates in Scotland, AR for senior drivers are $2,086/year
  • The cheapest car insurance company in Scotland is USAA

How do the Scotland, Arkansas monthly average car insurance rates of $332/month compare to nearby cities like Conway car insurance rates, North Little Rock 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 Scotland, AR.

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

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

What are the minimum Scotland, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Scotland, 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 $2,874 $2,900 $2,554 $2,733 $10,299 $12,333 $3,186 $3,471
Farmers $2,232 $2,223 $1,996 $2,099 $9,283 $9,621 $2,551 $2,685
GEICO $2,470 $2,441 $2,277 $2,214 $6,486 $6,498 $2,432 $2,466
Liberty Mutual $2,293 $2,454 $2,188 $2,435 $7,960 $8,744 $2,473 $2,586
Nationwide $2,447 $2,493 $2,200 $2,323 $5,904 $7,513 $2,798 $3,014
Progressive $2,875 $2,732 $2,364 $2,467 $11,959 $13,479 $3,440 $3,714
State Farm $1,776 $1,776 $1,578 $1,578 $5,003 $6,294 $1,998 $2,295
Travelers $2,100 $2,141 $2,070 $2,076 $12,080 $19,337 $2,246 $2,608
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 Scotland, AR?

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

Annual Car Insurance Rates for Teen Drivers in Scotland, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,299 $12,333
Farmers $9,283 $9,621
GEICO $6,486 $6,498
Liberty Mutual $7,960 $8,744
Nationwide $5,904 $7,513
Progressive $11,959 $13,479
State Farm $5,003 $6,294
Travelers $12,080 $19,337
USAA $3,985 $4,179

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

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

Annual Car Insurance Rates for Senior Drivers in Scotland, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,554 $2,733
Farmers $1,996 $2,099
GEICO $2,277 $2,214
Liberty Mutual $2,188 $2,435
Nationwide $2,200 $2,323
Progressive $2,364 $2,467
State Farm $1,578 $1,578
Travelers $2,070 $2,076
USAA $1,191 $1,201

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

Annual Car Insurance Rates by Coverage Level in Scotland, Arkansas

Insurance Company Low Medium High
Allstate $4,913 $5,041 $5,177
Farmers $3,883 $4,044 $4,332
GEICO $3,275 $3,410 $3,547
Liberty Mutual $3,768 $3,869 $4,038
Nationwide $3,610 $3,515 $3,635
Progressive $4,964 $5,295 $5,877
State Farm $2,668 $2,784 $2,910
Travelers $5,347 $5,599 $5,802
USAA $1,988 $2,064 $2,162

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

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

Annual Scotland, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,169 $5,233 $5,803 $4,970
Farmers $3,458 $4,426 $4,323 $4,139
GEICO $2,316 $3,550 $5,285 $2,492
Liberty Mutual $2,655 $4,306 $5,036 $3,571
Nationwide $2,798 $3,605 $4,866 $3,077
Progressive $4,640 $6,431 $4,874 $5,570
State Farm $2,566 $3,008 $2,787 $2,787
Travelers $4,680 $4,834 $7,071 $5,745
USAA $1,595 $2,017 $2,905 $1,769

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

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

Annual Car Insurance Rates After a DUI in Scotland, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,803
Farmers $4,323
GEICO $5,285
Liberty Mutual $5,036
Nationwide $4,866
Progressive $4,874
State Farm $2,787
Travelers $7,071
USAA $2,905

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

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

Annual Car Insurance Rates by Credit Score in Scotland, Arkansas

Insurance Company Poor Fair Good
Allstate $6,342 $4,850 $3,938
Farmers $4,651 $3,896 $3,712
GEICO $4,085 $3,359 $2,787
Liberty Mutual $5,625 $3,392 $2,658
Nationwide $4,238 $3,412 $3,110
Progressive $6,111 $5,197 $4,828
State Farm $4,038 $2,431 $1,893
Travelers $6,408 $5,345 $4,994
USAA $2,745 $1,873 $1,596

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

Scotland, 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 Scotland if you’re financing.

Annual Car Insurance Rates by Commute Length in Scotland, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,044 $5,044
Farmers $4,086 $4,086
GEICO $3,386 $3,435
Liberty Mutual $3,892 $3,892
Nationwide $3,587 $3,587
Progressive $5,379 $5,379
State Farm $2,722 $2,852
Travelers $5,582 $5,582
USAA $2,012 $2,130

Who has the cheapest Scotland, AR car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Scotland, Arkansas

Insurance Company Average Annual Rates
Allstate $5,044
Farmers $4,086
GEICO $3,411
Liberty Mutual $3,892
Nationwide $3,587
Progressive $5,379
State Farm $2,787
Travelers $5,582
USAA $2,071

Car Insurance Quotes for Scotland, AR

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