Cheap Quotes for Sparkman, AR Car Insurance (2021)

Sparkman, Arkansas car insurance rates average $344 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Sparkman, AR companies, you can find cheap Sparkman 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

  • Sparkman has an average commute time of 19.4 minutes
  • The cheapest car insurance company in Sparkman is USAA
  • Average car insurance rates in Sparkman, AR after a DUI are $4,976/year

How do the Sparkman, Arkansas monthly average car insurance rates of $344/month compare to nearby cities like Fort Smith car insurance rates, North Little Rock car insurance rates, and Jonesboro car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Sparkman, AR.

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

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

What are the minimum Sparkman, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Sparkman, 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 $2,971 $3,023 $2,618 $2,810 $10,184 $12,100 $3,332 $3,639
Farmers $2,420 $2,410 $2,166 $2,272 $9,865 $10,220 $2,769 $2,926
GEICO $2,750 $2,731 $2,547 $2,475 $6,742 $6,800 $2,677 $2,714
Liberty Mutual $2,453 $2,631 $2,316 $2,583 $8,242 $9,071 $2,645 $2,778
Nationwide $2,641 $2,703 $2,364 $2,513 $6,216 $7,979 $3,000 $3,248
Progressive $2,740 $2,619 $2,250 $2,341 $11,078 $12,504 $3,283 $3,546
State Farm $1,805 $1,805 $1,595 $1,595 $4,942 $6,237 $2,027 $2,318
Travelers $2,264 $2,311 $2,215 $2,226 $12,877 $20,663 $2,412 $2,818
USAA $1,389 $1,406 $1,285 $1,299 $4,329 $4,542 $1,794 $1,939

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

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

Annual Car Insurance Rates for Teen Drivers in Sparkman, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,184 $12,100
Farmers $9,865 $10,220
GEICO $6,742 $6,800
Liberty Mutual $8,242 $9,071
Nationwide $6,216 $7,979
Progressive $11,078 $12,504
State Farm $4,942 $6,237
Travelers $12,877 $20,663
USAA $4,329 $4,542

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

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

Annual Car Insurance Rates for Senior Drivers in Sparkman, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,618 $2,810
Farmers $2,166 $2,272
GEICO $2,547 $2,475
Liberty Mutual $2,316 $2,583
Nationwide $2,364 $2,513
Progressive $2,250 $2,341
State Farm $1,595 $1,595
Travelers $2,215 $2,226
USAA $1,285 $1,299

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

Annual Car Insurance Rates by Coverage Level in Sparkman, Arkansas

Insurance Company Low Medium High
Allstate $4,964 $5,082 $5,208
Farmers $4,187 $4,341 $4,615
GEICO $3,545 $3,679 $3,815
Liberty Mutual $3,957 $4,064 $4,249
Nationwide $3,882 $3,758 $3,859
Progressive $4,698 $4,975 $5,462
State Farm $2,675 $2,787 $2,909
Travelers $5,714 $5,991 $6,215
USAA $2,158 $2,240 $2,345

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

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

Annual Sparkman, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,251 $5,290 $5,792 $5,006
Farmers $3,707 $4,739 $4,629 $4,449
GEICO $2,472 $3,823 $5,763 $2,660
Liberty Mutual $2,810 $4,514 $5,277 $3,758
Nationwide $2,966 $3,853 $5,241 $3,273
Progressive $4,358 $6,011 $4,574 $5,237
State Farm $2,578 $3,003 $2,791 $2,791
Travelers $5,011 $5,177 $7,554 $6,151
USAA $1,728 $2,188 $3,158 $1,918

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

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

Annual Car Insurance Rates After a DUI in Sparkman, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,792
Farmers $4,629
GEICO $5,763
Liberty Mutual $5,277
Nationwide $5,241
Progressive $4,574
State Farm $2,791
Travelers $7,554
USAA $3,158

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

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

Annual Car Insurance Rates by Credit Score in Sparkman, Arkansas

Insurance Company Poor Fair Good
Allstate $6,406 $4,883 $3,965
Farmers $4,993 $4,173 $3,977
GEICO $4,411 $3,620 $3,007
Liberty Mutual $5,925 $3,555 $2,789
Nationwide $4,545 $3,642 $3,312
Progressive $5,754 $4,868 $4,513
State Farm $4,043 $2,434 $1,895
Travelers $6,863 $5,717 $5,340
USAA $2,985 $2,031 $1,728

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

Sparkman, 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 Sparkman if you’re financing.

Annual Car Insurance Rates by Commute Length in Sparkman, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,085 $5,085
Farmers $4,381 $4,381
GEICO $3,661 $3,698
Liberty Mutual $4,090 $4,090
Nationwide $3,833 $3,833
Progressive $5,045 $5,045
State Farm $2,725 $2,856
Travelers $5,973 $5,973
USAA $2,183 $2,313

Who has the cheapest Sparkman, AR car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Sparkman, Arkansas

Insurance Company Average Annual Rates
Allstate $5,085
Farmers $4,381
GEICO $3,679
Liberty Mutual $4,090
Nationwide $3,833
Progressive $5,045
State Farm $2,791
Travelers $5,973
USAA $2,248

What factors affect Sparkman, AR car insurance rates?

Why are Sparkman, Arkansas car insurance rates different than rates in Fort Smith or North Little Rock? 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 Sparkman, AR?

More time spent behind the wheel can lead to higher Sparkman, Arkansas car insurance rates. In Sparkman, AR, the average commute length is 19.4 minutes.

Car Insurance Quotes for Sparkman, AR

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