Cheap Quotes for Smithville, AR Car Insurance (2021)

Smithville, Arkansas car insurance rates average $343 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Smithville, AR companies, you can find cheap Smithville 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 Smithville, AR for senior drivers are $2,161/year
  • Smithville has an average commute time of 33.9 minutes
  • The cheapest car insurance company in Smithville is USAA

How do the Smithville, Arkansas monthly average car insurance rates of $343/month compare to nearby cities like Little Rock car insurance rates, Pine Bluff car insurance rates, and Conway car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Smithville, AR.

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

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

What are the minimum Smithville, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Smithville, 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 $2,243 $2,236 $2,009 $2,107 $9,131 $9,463 $2,562 $2,704
GEICO $2,417 $2,395 $2,234 $2,172 $6,106 $6,139 $2,364 $2,396
Liberty Mutual $2,380 $2,549 $2,259 $2,517 $8,252 $9,077 $2,571 $2,696
Nationwide $2,718 $2,768 $2,440 $2,578 $6,624 $8,442 $3,116 $3,360
Progressive $2,988 $2,855 $2,451 $2,556 $11,997 $13,541 $3,573 $3,847
State Farm $1,915 $1,915 $1,692 $1,692 $5,234 $6,613 $2,151 $2,454
Travelers $2,250 $2,295 $2,209 $2,219 $12,916 $20,772 $2,398 $2,788
USAA $1,259 $1,272 $1,168 $1,178 $3,921 $4,107 $1,619 $1,746

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

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

Annual Car Insurance Rates for Teen Drivers in Smithville, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,561 $12,653
Farmers $9,131 $9,463
GEICO $6,106 $6,139
Liberty Mutual $8,252 $9,077
Nationwide $6,624 $8,442
Progressive $11,997 $13,541
State Farm $5,234 $6,613
Travelers $12,916 $20,772
USAA $3,921 $4,107

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

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

Annual Car Insurance Rates for Senior Drivers in Smithville, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,616 $2,798
Farmers $2,009 $2,107
GEICO $2,234 $2,172
Liberty Mutual $2,259 $2,517
Nationwide $2,440 $2,578
Progressive $2,451 $2,556
State Farm $1,692 $1,692
Travelers $2,209 $2,219
USAA $1,168 $1,178

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

Annual Car Insurance Rates by Coverage Level in Smithville, Arkansas

Insurance Company Low Medium High
Allstate $5,036 $5,166 $5,306
Farmers $3,869 $4,018 $4,284
GEICO $3,140 $3,277 $3,417
Liberty Mutual $3,909 $4,012 $4,192
Nationwide $4,022 $3,922 $4,073
Progressive $5,073 $5,391 $5,964
State Farm $2,832 $2,955 $3,087
Travelers $5,691 $5,998 $6,254
USAA $1,948 $2,026 $2,127

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

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

Annual Smithville, 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 $3,435 $4,389 $4,287 $4,116
GEICO $2,214 $3,409 $5,107 $2,382
Liberty Mutual $2,758 $4,465 $5,224 $3,703
Nationwide $3,114 $4,027 $5,453 $3,429
Progressive $4,731 $6,520 $4,968 $5,685
State Farm $2,734 $3,182 $2,958 $2,958
Travelers $5,016 $5,183 $7,566 $6,159
USAA $1,566 $1,981 $2,852 $1,736

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

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

Annual Car Insurance Rates After a DUI in Smithville, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,952
Farmers $4,287
GEICO $5,107
Liberty Mutual $5,224
Nationwide $5,453
Progressive $4,968
State Farm $2,958
Travelers $7,566
USAA $2,852

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

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

Annual Car Insurance Rates by Credit Score in Smithville, Arkansas

Insurance Company Poor Fair Good
Allstate $6,504 $4,971 $4,034
Farmers $4,624 $3,864 $3,683
GEICO $3,928 $3,227 $2,678
Liberty Mutual $5,842 $3,516 $2,755
Nationwide $4,733 $3,811 $3,473
Progressive $6,249 $5,283 $4,896
State Farm $4,287 $2,580 $2,007
Travelers $6,870 $5,725 $5,348
USAA $2,693 $1,840 $1,568

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

Smithville, 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 Smithville if you’re financing.

Annual Car Insurance Rates by Commute Length in Smithville, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,170 $5,170
Farmers $4,057 $4,057
GEICO $3,258 $3,297
Liberty Mutual $4,038 $4,038
Nationwide $4,006 $4,006
Progressive $5,476 $5,476
State Farm $2,888 $3,028
Travelers $5,981 $5,981
USAA $1,975 $2,092

Who has the cheapest Smithville, AR car insurance rates?

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

Best Annual Car Insurance Rates by Company in Smithville, Arkansas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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What are the top Smithville, AR car insurance companies?

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

Average Annual Car Insurance Rates by Company in Smithville, Arkansas

Insurance Company Average Annual Rates
Allstate $5,170
Farmers $4,057
GEICO $3,278
Liberty Mutual $4,037
Nationwide $4,006
Progressive $5,476
State Farm $2,958
Travelers $5,981
USAA $2,034

What factors affect Smithville, AR car insurance rates?

Why are Smithville, Arkansas car insurance rates different than rates in Little Rock or Pine Bluff? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Smithville, AR?

More time spent behind the wheel can lead to higher Smithville, Arkansas car insurance rates. In Smithville, AR, the average commute length is 33.9 minutes.

Car Insurance Quotes for Smithville, AR

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