Cheap Quotes for Stephens, AR Car Insurance (2021)

Stephens, Arkansas car insurance rates average $349 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Stephens, AR companies, you can find cheap Stephens 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

  • Stephens has an average commute time of 28.7 minutes
  • Average car insurance rates in Stephens, AR after a DUI are $5,046/year
  • The cheapest car insurance company in Stephens is USAA

How do the Stephens, Arkansas monthly average car insurance rates of $349/month compare to nearby cities like Little Rock car insurance rates, Hot Springs 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 Stephens, AR.

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

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

What are the minimum Stephens, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Stephens, 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 $3,025 $3,073 $2,669 $2,863 $10,505 $12,510 $3,386 $3,699
Farmers $2,628 $2,617 $2,354 $2,464 $10,621 $11,002 $3,019 $3,204
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 $2,780 $2,659 $2,282 $2,373 $11,183 $12,626 $3,331 $3,598
State Farm $1,817 $1,817 $1,610 $1,610 $5,036 $6,350 $2,043 $2,337
Travelers $2,281 $2,330 $2,220 $2,232 $12,711 $20,335 $2,423 $2,857
USAA $1,421 $1,437 $1,314 $1,327 $4,446 $4,665 $1,835 $1,983

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

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

Annual Car Insurance Rates for Teen Drivers in Stephens, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,505 $12,510
Farmers $10,621 $11,002
GEICO $6,742 $6,800
Liberty Mutual $8,242 $9,071
Nationwide $6,216 $7,979
Progressive $11,183 $12,626
State Farm $5,036 $6,350
Travelers $12,711 $20,335
USAA $4,446 $4,665

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

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

Annual Car Insurance Rates for Senior Drivers in Stephens, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,669 $2,863
Farmers $2,354 $2,464
GEICO $2,547 $2,475
Liberty Mutual $2,316 $2,583
Nationwide $2,364 $2,513
Progressive $2,282 $2,373
State Farm $1,610 $1,610
Travelers $2,220 $2,232
USAA $1,314 $1,327

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

Annual Car Insurance Rates by Coverage Level in Stephens, Arkansas

Insurance Company Low Medium High
Allstate $5,095 $5,214 $5,340
Farmers $4,547 $4,699 $4,971
GEICO $3,545 $3,679 $3,815
Liberty Mutual $3,957 $4,064 $4,249
Nationwide $3,882 $3,758 $3,859
Progressive $4,758 $5,034 $5,520
State Farm $2,706 $2,825 $2,952
Travelers $5,695 $5,942 $6,133
USAA $2,214 $2,296 $2,401

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

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

Annual Stephens, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,346 $5,422 $5,960 $5,137
Farmers $4,006 $5,122 $5,001 $4,825
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 $4,410 $6,078 $4,628 $5,300
State Farm $2,609 $3,047 $2,828 $2,828
Travelers $4,972 $5,137 $7,478 $6,106
USAA $1,769 $2,241 $3,240 $1,964

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

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

Annual Car Insurance Rates After a DUI in Stephens, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,960
Farmers $5,001
GEICO $5,763
Liberty Mutual $5,277
Nationwide $5,241
Progressive $4,628
State Farm $2,828
Travelers $7,478
USAA $3,240

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

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

Annual Car Insurance Rates by Credit Score in Stephens, Arkansas

Insurance Company Poor Fair Good
Allstate $6,569 $5,011 $4,068
Farmers $5,407 $4,511 $4,298
GEICO $4,411 $3,620 $3,007
Liberty Mutual $5,925 $3,555 $2,789
Nationwide $4,545 $3,642 $3,312
Progressive $5,825 $4,924 $4,563
State Farm $4,097 $2,466 $1,920
Travelers $6,815 $5,666 $5,290
USAA $3,059 $2,081 $1,771

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

Stephens, 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 Stephens if you’re financing.

Annual Car Insurance Rates by Commute Length in Stephens, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,216 $5,216
Farmers $4,739 $4,739
GEICO $3,661 $3,698
Liberty Mutual $4,090 $4,090
Nationwide $3,833 $3,833
Progressive $5,104 $5,104
State Farm $2,761 $2,895
Travelers $5,923 $5,923
USAA $2,237 $2,370

Who has the cheapest Stephens, AR car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Stephens, Arkansas

Insurance Company Average Annual Rates
Allstate $5,216
Farmers $4,739
GEICO $3,679
Liberty Mutual $4,090
Nationwide $3,833
Progressive $5,104
State Farm $2,828
Travelers $5,923
USAA $2,303

What factors affect Stephens, AR car insurance rates?

Why are Stephens, Arkansas car insurance rates different than rates in Little Rock or Hot Springs? 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 Stephens, AR?

More time spent behind the wheel can lead to higher Stephens, Arkansas car insurance rates. In Stephens, AR, the average commute length is 28.7 minutes.

Car Insurance Quotes for Stephens, AR

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