Cheap Auto Insurance in Jonesboro, Arkansas (2024)
State Farm offers the cheapest car insurance in Jonesboro, with minimum-coverage policies as low as $31 per month.
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Clinical Professor of Finance, University of San Diego
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Updated November 21, 2024
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Table of contents
Jonesboro drivers pay much more, on average, for car insurance than drivers in other states, Insurify data shows. The national cost of car insurance averages $204 per month for full coverage and $104 for minimum coverage. Average rates are higher in Arkansas ($261 and $121, respectively), and even more in Jonesboro.
On average, car insurance in Jonesboro costs $269 monthly for full coverage and $130 for liability-only policies. Inflation, a growing number of weather-related claims, and Arkansas' higher-than-average fatality rate, likely all contribute to Jonesboro's costly car insurance rates.
Jonesboro drivers have the best chance to find savings when they compare car insurance quotes from multiple insurance companies.
Quick Facts
State Farm, USAA, and GEICO are the cheapest car insurance companies for Jonesboro drivers.
Arkansas had 608 fatal crashes in 2023, according to state Department of Transportation data.
The average cost in Jonesboro is high, but some insurers offer prices significantly lower than the city average of $130 per month for liability-only coverage.
Cheapest car insurance companies in Jonesboro
The best car insurance company depends on your financial situation and insurance needs. Cost is usually one of the most important factors for you to consider, especially when dealing with unique circumstances, like a teenage driver or a speeding ticket on your record.
If you’re looking for cheap car insurance in Jonesboro, you might want to consider State Farm, USAA, and GEICO.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $61 | $30 | Cheapest overall |
| USAA | 9.4 | $75 | $36 | Drivers with speeding tickets |
| GEICO | 9.0 | $93 | $45 | Drivers with DUIs |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest overall for Jonesboro drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $31/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $65/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm has the lowest rates in every category for Jonesboro residents, including drivers with a speeding ticket or DUI, seniors, and teens. The company has a number of coverage options and at least 10 advertised discounts. With an A++ (Superior) rating from AM Best and a below-average number of customer complaints on the National Association of Insurance Commissioners (NAIC) complaint index, State Farm has solid financial strength and customer satisfaction.
Pros
Lowest rates for all auto insurance options in Jonesboro
Provides insurance for every type of driver
Cons
Mixed customer reviews
Doesn’t offer gap insurance
Best insurance for drivers with a speeding ticket: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $38/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $79/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA offers excellent customer service, competitive pricing, and unique perks for drivers — as well as 10 advertised discounts. But the company only offers coverage to current, reserve, and retired military members — and their families. USAA also earned an A++ (Superior) financial strength rating from AM Best and has below-average customer complaints on the NAIC complaint index.
Pros
Strong customer service
Pays policyholder dividends
Cons
Must have a military affiliation to qualify for coverage
Rates are higher than some other insurers
Best insurance for drivers with a DUI: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $47/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $97/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO provides low rates for drivers with a DUI, especially compared to the average cost in the city. The company has experience working with drivers with high-risk violations. And customers can benefit from one or more of the 16 advertised discounts. Like the other two top Jonesboro insurers, GEICO has an A++ rating from AM Best and below-average customer complaints on the NAIC complaint index.
Pros
Competitive rates for drivers with a violation
Offers accident forgiveness
Cons
Limited local agent availability
Doesn’t offer gap insurance
How to get the cheapest car insurance in Jonesboro
As you look for the best deal on car insurance, you should focus on the factors you can control, like the type of vehicle you drive, discounts you qualify for, and your driving record. But you also need to consider your coverage needs.
“Buying the cheapest policy is not necessarily the best decision for every driver,” says Bob Passmore, vice president of personal lines for the American Property Casualty Insurance Association. “Consider the type of vehicle that is being insured and the assets you need to protect. Consider if you want features such as rental car coverage and other services if you file a claim.”
Consider these tips to help you secure the best rate on car insurance:
Ask about discounts. Most insurers offer discounts, including savings for installing vehicle safety features, completing a defensive driving course, or maintaining a clean driving record.
Bundle policies. Some companies offer you lower pricing when you bundle different types of insurance policies, like auto and home or renters insurance. Ask your agent about options.
Provide accurate mileage estimates. Try to provide correct estimates about how much you drive. Accurate lower mileage estimates often lead to a lower rate.
Cheapest liability-only car insurance in Jonesboro: State Farm
Liability-only car insurance provides you financial protection if you cause an accident. It usually covers medical expenses and vehicle damages for the other driver and their passengers. It won't pay to repair or replace your vehicle if you cause an accident.
Minimum requirements vary by state, but Arkansas residents must have coverage. A liability-only policy may be a good option if you own a less expensive, older vehicle that is paid off.
In Jonesboro, liability-only policies average $130 per month. The following table shows monthly quotes from some of the cheapest insurers offering minimum coverage in Jonesboro.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quotes ▲▼ |
|---|---|
| State Farm | $31 |
| USAA | $38 |
| GEICO | $47 |
| Auto-Owners | $53 |
| Allstate | $69 |
| Shelter | $69 |
| Farmers | $70 |
| Nationwide | $70 |
| Root | $73 |
| Progressive | $74 |
| Travelers | $74 |
| Safeco | $76 |
| National General | $98 |
| GAINSCO | $103 |
| Dairyland | $104 |
| Liberty Mutual | $132 |
| The General | $137 |
| Bristol West | $152 |
| Direct Auto | $194 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Jonesboro: State Farm
Full-coverage car insurance provides additional financial protection for you and your vehicle. These policies include liability, comprehensive, and collision coverage. Although more expensive than a liability-only policy, a full-coverage policy helps ensure that your protection is robust enough to cover all the expenses associated with an at-fault accident.[1]
On average, full coverage costs $269 per month in Jonesboro.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $65 |
| USAA | $79 |
| GEICO | $97 |
| Auto-Owners | $110 |
| Root | $127 |
| Safeco | $140 |
| Shelter | $143 |
| Allstate | $145 |
| Farmers | $146 |
| Nationwide | $146 |
| Travelers | $154 |
| Progressive | $155 |
| National General | $177 |
| GAINSCO | $229 |
| Dairyland | $258 |
| Liberty Mutual | $282 |
| The General | $290 |
| Bristol West | $388 |
| Direct Auto | $430 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Jonesboro, Arkansas
Recent Jonesboro, Arkansas car insurance prices for Chrysler, Chevrolet, Saturn , and more.
*Quotes generated for Insurify users in and around Jonesboro, Arkansas within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Jonesboro, Arkansas within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Arkansas
Almost every state requires liability coverage, and Arkansas is no exception. You must have the following minimum bodily injury and property damage liability coverage to drive in Arkansas.[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $25,000 per accident |
But you might want to opt for additional protection beyond the minimum requirements.
“Most drivers choose to have additional insurance to better protect themselves and others in the event of a crash,” says Passmore. “If you are in a crash and don’t have enough insurance coverage, the other driver could potentially sue you for your financial assets to help make up the difference.”
You can add more protection with single add-ons or a full-coverage policy that includes all the following in one.[3]
Comprehensive
This protects your car if you face damages due to a noncollision incident, like vandalism, a natural disaster, or a falling object.
Collision
In the event of an accident, this covers the costs of your vehicle damage, regardless of fault.
Uninsured/underinsured motorist
If an uninsured or underinsured driver causes an accident, this coverage provides you with financial protection.
Cheapest car insurance for drivers with an incident
Specific driving incidents, like speeding tickets, driving under the influence (DUI), and at-fault accidents, signal to insurers that you may be more likely to file a claim. As a result, you’ll face increased premiums.[4]
In Jonesboro, having a violation on your driving record pushes average liability-only rates from $130 per month with a clean record to $174.
Find Car Insurance in Jonesboro, Arkansas
Minimum coverage policies start at $38/mo. for drivers with violations
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Cheapest car insurance for drivers with a speeding ticket: State Farm
It’s a good idea to shop around for the best insurance rates if you’re dealing with the financial aftermath of a speeding ticket. You typically face an increase in insurance costs after getting a speeding ticket.
In Jonesboro, the average cost of car insurance for drivers with speeding tickets is $188 per month for liability-only policies and $390 for full coverage. The following table shows the difference speeding tickets make in the rates of top insurers in Jonesboro.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| State Farm | $31 | $41 |
| USAA | $38 | $50 |
| GEICO | $47 | $62 |
| Auto-Owners | $53 | $71 |
| Allstate | $69 | $91 |
| Shelter | $69 | $95 |
| Farmers | $70 | $92 |
| Nationwide | $70 | $93 |
| Root | $73 | $103 |
| Progressive | $74 | $97 |
| Travelers | $74 | $99 |
| Safeco | $76 | $102 |
| National General | $98 | $130 |
| GAINSCO | $103 | $146 |
| Dairyland | $104 | $137 |
| Liberty Mutual | $132 | $188 |
| The General | $137 | $185 |
| Bristol West | $152 | $202 |
| Direct Auto | $194 | $257 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
An at-fault accident refers to when you cause an auto incident. The aftermath can feel stressful because your car insurance rate usually increases. The resulting price increase may make you want to consider a different insurer or to compare quotes.
Jonesboro drivers who cause an accident see average monthly car insurance rates of $407 for full coverage car insurance and $197 for liability-only coverage. The following table compares average monthly quotes from top Jonesboro insurers for drivers with at-fault accidents.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $31 | $43 |
| USAA | $38 | $53 |
| GEICO | $47 | $66 |
| Auto-Owners | $53 | $74 |
| Allstate | $69 | $96 |
| Shelter | $69 | $100 |
| Farmers | $70 | $97 |
| Nationwide | $70 | $98 |
| Root | $73 | $109 |
| Progressive | $74 | $104 |
| Travelers | $74 | $104 |
| Safeco | $76 | $105 |
| National General | $98 | $136 |
| GAINSCO | $103 | $138 |
| Dairyland | $104 | $144 |
| Liberty Mutual | $132 | $196 |
| The General | $137 | $194 |
| Bristol West | $152 | $211 |
| Direct Auto | $194 | $276 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Driving under the influence is seen as a high-risk violation with consequences like fines, license suspension, and jail time.[5] Because of the severity of the infraction, you might struggle to find competitive car insurance rates.
Car insurance for Jonesboro drivers convicted of DUI averages $223 per month for minimum coverage and $461 for full coverage, according to Insurify data.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $31 | $52 |
| USAA | $38 | $64 |
| GEICO | $47 | $79 |
| Auto-Owners | $53 | $89 |
| Allstate | $69 | $116 |
| Shelter | $69 | $116 |
| Farmers | $70 | $118 |
| Nationwide | $70 | $118 |
| Root | $73 | $110 |
| Progressive | $74 | $124 |
| Travelers | $74 | $124 |
| Safeco | $76 | $119 |
| National General | $98 | $165 |
| GAINSCO | $103 | $173 |
| Dairyland | $104 | $175 |
| Liberty Mutual | $132 | $222 |
| The General | $137 | $230 |
| Bristol West | $152 | $256 |
| Direct Auto | $194 | $326 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Car insurance rates usually fluctuate as you age. Young drivers pay the most, but costs decrease in adulthood — with prices reaching the lowest average around retirement age. But once a driver turns 70, they face slightly increased premiums due to a greater risk of getting into an accident and being seriously injured in an accident.[6]
In Jonesboro, car insurance for seniors averages $211 per month for full coverage and $102 for liability only.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $23 | $49 |
| USAA | $30 | $61 |
| GEICO | $36 | $75 |
| Auto-Owners | $41 | $85 |
| Shelter | $49 | $101 |
| Nationwide | $51 | $106 |
| Progressive | $52 | $109 |
| Farmers | $53 | $111 |
| Allstate | $54 | $113 |
| Travelers | $56 | $117 |
| Root | $60 | $104 |
| Safeco | $63 | $116 |
| National General | $73 | $132 |
| Dairyland | $81 | $200 |
| GAINSCO | $84 | $187 |
| Liberty Mutual | $108 | $231 |
| The General | $108 | $229 |
| Bristol West | $119 | $303 |
| Direct Auto | $147 | $326 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teenage drivers fall into one of the riskiest driver categories for insurance companies to insure due to reckless driving habits, speeding, and inexperience on the road. As a result, companies set high rates for teenage drivers.
But you can take steps to reduce the extra expense by insuring your teen on your car insurance plan, opting for a safer vehicle, completing an approved driver education course, and encouraging your teen to qualify for a good student discount.[7]
Jonesboro teens face average monthly car insurance costs of $467 for full coverage and $226 for liability only.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $54 | $113 |
| USAA | $64 | $134 |
| GEICO | $76 | $157 |
| Auto-Owners | $90 | $187 |
| Root | $110 | $192 |
| Shelter | $116 | $241 |
| Allstate | $124 | $261 |
| Farmers | $124 | $258 |
| Nationwide | $124 | $258 |
| Progressive | $131 | $275 |
| Travelers | $135 | $282 |
| Safeco | $148 | $272 |
| Dairyland | $169 | $420 |
| GAINSCO | $180 | $399 |
| National General | $195 | $352 |
| The General | $220 | $465 |
| Liberty Mutual | $229 | $489 |
| Bristol West | $259 | $661 |
| Direct Auto | $358 | $794 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Jonesboro, Arkansas
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Jonesboro car insurance quotes by credit tier
A handful of states don’t permit insurance companies to use credit history as a factor in insurance pricing, but Arkansas allows the practice.
Insurers in Jonesboro can consider an applicant’s credit when determining insurance costs. In general, excellent or good credit scores lead to lower prices, while poor credit scores lead to higher ones.
Here’s how the average rates for car insurance change based on a driver’s credit score in Jonesboro.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Jonesboro, Arkansas?
Jonesboro car insurance is more expensive than the Arkansas state averages or national averages. While nationally, liability-only insurance averages $104 per month and full coverage is $204, in Arkansas the averages are $121 and $261.
Monthly rates are even higher in Jonesboro – $130 for minimum coverage and $269 for full coverage.
More cities in Arkansas
Here’s how the rates in Jonesboro compare to other cities in the state. Drivers in other Arkansas cities usually pay around 20% less for comparable coverage.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Conway | $238 | $130 |
| Fayetteville | $242 | $122 |
| Fort Smith | $224 | $118 |
| Little Rock | $290 | $155 |
| Springdale | $254 | $119 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Jonesboro car insurance FAQs
You have a lot of factors to consider when purchasing car insurance. The following information should help guide you through the process of buying coverage in Jonesboro.
How much is car insurance in Jonesboro?
In Jonesboro, full-coverage car insurance averages $269 per month while liability-only is $130 on average. Your actual rates may be more or less than the city's average, based on factors unique to you like your age, gender, and driving record.
Which insurer has the cheapest car insurance in Jonesboro?
State Farm offers the cheapest car insurance for Jonesboro drivers, Insurify data shows. The insurers rates for basic policies start at $31 per month. USAA and GEICO are the city's second- and third-cheapest insurance providers, with liability-only rates as low as $38 and $47, respectively.
What are the best car insurance companies in Jonesboro?
The best car insurance companies in Jonesboro are also the cheapest: State Farm, USAA, and GEICO. With an IQ Score of 9.3 and an A++ (Superior) rating from AM Best, State Farm is the best option in Jonesboro. USAA and GEICO also have A++ ratings from AM Best and IQ Scores of 9.4 and 9.0, respectively.
Is car insurance cheaper in Arkansas?
Arkansas has car insurance costs that are higher than national averages. Drivers in the state see average rates of $261 per month for full coverage and $121 for liability-only policies. By comparison, the national averages are $204 and $104, respectively.
What is public transportation like in Jonesboro, Arkansas?
Jonesboro does have public transportation through the Jonesboro Economical Transportation and the Northeast Arkansas Regional Transportation Planning Committee, but most people need a car to comfortably get around the city.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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More cities in Arkansas
Sources
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Arkansas Insurance Department. "Consumers FAQ: Private Passenger Automobile Insurance."
- Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Arkansas Department of Finance and Administration. "DUI/DWI Information."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Insurance Information Institute. "Auto insurance for teen drivers."
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Taylor Milam-Samuel
Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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