Cheapest Auto Insurance in Russellville, Arkansas (2024)

State Farm has the cheapest liability car insurance in Russellville, with a rate of $25 per month.

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Cheapest recent rates near Russellville, Arkansas

Drivers using Insurify have found quotes as cheap as $55/mo for liability only and $61/mo for full coverage in Russellville and other Arkansas cities.

*Quotes generated for Insurify users in and around Russellville, 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 Russellville, 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.
Erin Gobler
Written byErin Gobler
Erin Gobler
Erin Gobler
  • 5+ years of finance writing experience 

  • Certificate of financial planning from Boston University

Erin is a personal finance writer and journalist with work featured in major publications. Her writing explores investing, credit cards, mortgages, insurance, and more.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • 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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Updated November 21, 2024

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Drivers in Russellville pay an average of $159 per month for auto insurance, which is lower than the Arkansas state average of $191 and the national average of $154.

Russellville’s relatively low population may in part explain the area’s below-average cost of car insurance.[1] Drivers in suburban and rural areas typically pay lower rates than residents living in urban areas. 

However, your premium will depend on your driving record, coverage needs, and more. Comparing quotes from multiple insurers will help you find the cheapest rates.

Here’s what you need to know about finding auto coverage in Russellville.

Quick Facts
  • State Farm has the cheapest car insurance in Russellville, with monthly rates of $25 for liability insurance and $52 for full-coverage insurance.

  • On average, Russellville drivers pay $99 per month for liability-only insurance and $218 for full-coverage insurance.

  • Arkansas is an at-fault state, which means the driver responsible for the accident must cover the other party’s resulting medical bills and vehicle repairs.[2]

3 of the cheapest car insurance companies in Russellville

Russellville has low insurance premiums overall, making it easy for drivers in the area to find affordable car insurance. However, a few top auto insurance companies offer quality coverage options at affordable prices. The best insurer for you depends on several factors, including your coverage needs, discounts you might be eligible for, and your budget.

These three companies offer some of the cheapest car insurance in Russellville. The average quotes below reflect statewide averages in Arkansas.

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 Farm9.3$61$30Cheap rates
USAA9.4$75$36Military families
GEICO9.0$93$45Discounts
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: 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.
$25/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.
$52/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.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.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 offers the cheapest average rates in Russellville for both liability-only and full-coverage insurance. It has high customer satisfaction, ranking among the top companies in the region. State Farm has plenty of sought-after coverage options and a discount program for exhibiting safe driving habits.

Pros
  • Cheapest rates in Russellville

  • Strong customer satisfaction ranking in the J.D. Power 2023 U.S. Auto Insurance Study

  • Usage-based discount for safe drivers

Cons
  • Gap insurance not available

  • Fewer available discounts than other insurers

  • Above-average number of customer complaints

Best insurer for military families: 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.
$30/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.
$62/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.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.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 is an insurance company for current, former, and reserve military members and their families. It also offers an extensive suite of financial services. It has affordable rates and excellent customer satisfaction. USAA has a financial strength rating of A++ (Superior) from AM Best.

Pros
  • Highly rated customer satisfaction in Arkansas

  • Usage-based and pay-per-mile savings programs

  • Discounts specific to military families

Cons
  • Only available to military members, veterans, and their families

  • Fewer available discounts than other insurers

  • Limited number of available coverages, including no gap insurance

Best insurer for discounts: 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.
$37/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.
$77/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.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.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 helps customers in Russellville save money by combining affordable premiums with many discount options. You can save between 3% and 25% on your premiums for everything from driving a safe vehicle to being a loyal customer, according to the GEICO website.

The company also has some of the best digital tools of any insurer, thanks to its intuitive and feature-packed website and mobile apps.

Pros
  • More available discounts than most competitors

  • Highly rated digital tools

  • Usage-based discount for safe drivers

Cons
  • Gap insurance not available

  • Below-average J.D. Power customer satisfaction ranking in the Central region

  • Above-average number of customer complaints

Find Cheap Car Insurance in Russellville, Arkansas

Liability insurance starts at $25 per month

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How to get the cheapest car insurance in Russellville

You can take a few steps to find the cheapest auto insurance rates for your coverage needs:

  • Shop around for rates. Before signing up for an insurance policy, get quotes from multiple different companies to find the cheapest one for your situation. While some companies may be the cheapest for most drivers, that doesn’t mean they’re the cheapest for you.

  • Choose the right coverage. When selecting your coverage type and limits, make sure yours is sufficient to cover any incidents but not so high that you’re overpaying for insurance or choosing coverages you don’t need.

  • Raise your deductible. Generally speaking, the higher your deductible, the lower your premiums. Because a higher deductible means you’ll pay more out of pocket for a claim, insurance companies usually offer lower rates.

  • Save with discounts. Nearly all top insurance companies offer discounts for drivers. Some common discounts are available for vehicle safety features, up-front payments, students with good grades, loyal customers, and more.

  • Bundle your insurance policies. If you have other insurance products, including homeowners insurance, renters insurance, or even life insurance, you may be able to save by bundling them with your auto insurance policy.[3]

Cheapest liability-only car insurance in Russellville: State Farm

Like most states, Arkansas requires drivers to purchase a minimum amount of liability insurance. If you cause an accident, this insurance covers the other driver’s property damage and bodily injury. It doesn’t cover any of your medical expenses or vehicle repair costs.[4]

A liability-only policy is the cheapest type of policy you can get. However, many drivers will want to purchase additional coverage for vehicle protection.

The table below breaks down the cheapest liability-only insurance policies in Russellville. As you can see, State Farm offers the cheapest liability-only policies in Arkansas, with a monthly rate of $25.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
State Farm$25
USAA$30
GEICO$37
Auto-Owners$42
Allstate$55
Shelter$55
Farmers$56
Nationwide$56
Root$58
Progressive$59
Travelers$59
Safeco$61
National General$78
Dairyland$82
GAINSCO$82
Liberty Mutual$105
The General$109
Bristol West$121
Direct Auto$154
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 Russellville: State Farm

Full-coverage insurance includes liability, collision, and comprehensive insurance and provides protection for your vehicle. This coverage type has costlier premiums than liability insurance, but it can save you money if you have a car accident or face vehicle damage.

It’s a good idea to purchase this coverage if you drive a new or valuable vehicle or don’t have significant savings. Your lender will likely require you to buy it if you have a loan or lease on your vehicle.

Below, you can find the cheapest full-coverage insurers in Russellville. Drivers can find the cheapest full-coverage insurance from State Farm, with a rate of $52 per month.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
State Farm$52
USAA$62
GEICO$77
Auto-Owners$87
Root$101
Safeco$112
Shelter$114
Allstate$115
Farmers$116
Nationwide$116
Travelers$122
Progressive$123
National General$141
GAINSCO$182
Dairyland$205
Liberty Mutual$224
The General$231
Bristol West$309
Direct Auto$342
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 Russellville, Arkansas

Drivers using Insurify have found quotes as cheap as $55/mo for liability only and $94/mo for full coverage in Russellville and other Arkansas cities.

*Quotes generated for Insurify users in and around Russellville, 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 Russellville, 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

Arkansas is an at-fault state, meaning the driver that causes an accident is responsible for all resulting injury and damages. The state requires all drivers to carry both bodily injury and property damage liability insurance.

Arkansas also requires insurance companies to offer drivers the opportunity to purchase uninsured motorist, underinsured motorist, and personal injury protection (PIP) coverage — though you can choose not to buy the coverage.

Here are the specific car insurance requirements in Arkansas:[5]

Coverage
Minimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

In addition to the required insurance coverage you need to carry in Arkansas, you may want to consider purchasing more coverage for further protection. Common optional coverages include the following:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If you have an accident with a driver who doesn’t have any or enough auto coverage, uninsured/underinsured motorist coverage can pay for the resulting medical expenses. Insurers in Arkansas must offer you this coverage.

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Personal injury protection (PIP) coverage

    PIP insurance pays for medical bills and other injury-related costs, including lost wages. Your PIP protects you regardless of fault in an accident.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for damage to your vehicle after a collision with another vehicle or object, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If a non-collision incident — like severe weather, theft, or vandalism — damages your vehicle, comprehensive coverage can pay the costs to replace or repair your vehicle.

Cheapest car insurance for drivers with an incident

Your insurance premium depends on how much risk you pose. The cleaner your driving record, the lower your risk profile. Having an incident on your record — such as an at-fault accident, speeding ticket, DUI, or another moving violation — typically results in insurance companies charging higher premiums.

In most cases, a more serious violation will result in higher premiums. For example, a very severe violation like a DUI usually leads to more of a premium increase than a single speeding ticket. In Arkansas, drivers receive points on their record for violations, generally between three and eight points.[6]

Here are the average costs of liability insurance for Russellville residents by driving record.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
State Farm$25$33$35$42
USAA$30$40$42$50
GEICO$37$49$52$62
Auto-Owners$42$56$59$71
Allstate$55$73$77$92
Shelter$55$75$80$92
Farmers$56$74$78$94
Nationwide$56$75$79$94
Root$58$82$86$87
Progressive$59$78$83$99
Travelers$59$79$83$99
Safeco$61$82$84$95
National General$78$104$109$131
Dairyland$82$108$113$138
GAINSCO$82$117$109$138
Liberty Mutual$105$149$156$177
The General$109$147$155$183
Bristol West$121$161$168$203
Direct Auto$154$204$219$259
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.

Average cost of car insurance by age

Age is a significant factor that insurers use to determine insurance premiums. Young drivers — especially teenagers — tend to pay the highest insurance premiums due to a lack of driving experience.

Starting around age 35, insurance premiums decrease with age, thanks to more time spent behind the wheel. Senior drivers age 70 and older may face higher rates due to aging-related risk factors.

The table below shows the average insurance premiums for Russellville residents by driver age.

Age
Average Monthly Quote
Teens$311
20s$385
30s$359
40s$304
50s$228
60s$160
70s$119
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.

Shop for Car Insurance in Russellville, AR

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Russellville car insurance quotes by credit tier

Your credit score can influence how much you pay for car insurance because insurers view credit history as an indicator of risk. The lower a driver’s credit score, the higher their chances of filing an insurance claim. As a result, drivers with poor credit often pay higher insurance premiums.

Meanwhile, a driver with good or excellent credit will likely earn lower premiums. You can see in the table below how a driver’s credit score can affect their insurance premiums.

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.

Russellville car insurance FAQs

Before you shop around for car insurance, you should determine how much auto coverage you need. The following information should help answer your remaining questions about finding insurance in Russellville.

  • How much is car insurance in Russellville?

    The overall cost of car insurance in Russellville is $159 per month. Drivers in the city pay $99 per month for liability coverage and $218 for full-coverage insurance, on average. Your specific premium will depend on your driving record, age, credit history, and more.

  • Which company has the cheapest car insurance in Russellville?

    State Farm has the cheapest car insurance in Russellville, with a liability coverage rate of $25 per month. The second-cheapest insurer, USAA, has a liability insurance rate of $30 per month. GEICO also offers cheap car insurance, with a monthly rate of $37. The best way to find cheap coverage is to compare quotes from multiple insurers at once.

  • What are the best car insurance companies in Russellville?

    With an Insurify Quality (IQ) Score of 9.3 out of 5, an A++ (Superior) financial strength rating from AM Best, and quality coverage, State Farm is the best car insurance company in Russellville. The average cost of State Farm car insurance in Arkansas is $54 per month for liability coverage and $119 for full-coverage insurance.

    Other top insurers include USAA and GEICO.

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. United States Census Bureau. "QuickFacts Russellville city, Arkansas."
  2. NOLO. "Arkansas Car Insurance Laws."
  3. Insurance Information Institute. "How to save money on car insurance."
  4. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  5. Arkansas Insurance Department. "Consumers FAQ: Private Passenger Automobile Insurance."
  6. Arkansas Department of Finance and Administration. "Driver Services."
Erin Gobler
Erin Gobler

Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • 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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