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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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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Table of contents
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.
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 Farm | 9.3 | $61 | $30 | Cheap rates |
USAA | 9.4 | $75 | $36 | Military families |
GEICO | 9.0 | $93 | $45 | Discounts |
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 |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Charles
November 19, 2024
New Car Price
Ronald
November 19, 2024
State Farm Experience: 35 Years+
David
November 19, 2024
Too expensive
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.
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
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 |
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.
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.
Gloria
November 15, 2024
Not Good for Claims
Martin
November 11, 2024
Price Shopping
Rena Sabine
November 8, 2024
Disappointing and inflexible service
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.
Highly rated customer satisfaction in Arkansas
Usage-based and pay-per-mile savings programs
Discounts specific to military families
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 |
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
George
November 19, 2024
Service
James
November 19, 2024
Unsatisfactory Experience with Geico
Edward
November 18, 2024
Experience with Geico
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.
More available discounts than most competitors
Highly rated digital tools
Usage-based discount for safe drivers
Gap insurance not available
Below-average J.D. Power customer satisfaction ranking in the Central region
Above-average number of customer complaints
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.
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 |
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.
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 |
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
*Quotes generated for Insurify users in and around Russellville, Arkansas within the last 10 days. Last updated on November 21, 2024
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:
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.
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.
Collision coverage
Collision coverage pays for damage to your vehicle after a collision with another vehicle or object, regardless of fault.
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.
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 |
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 |
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
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
- 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.
Related articles
More cities in Arkansas
Sources
- United States Census Bureau. "QuickFacts Russellville city, Arkansas."
- NOLO. "Arkansas Car Insurance Laws."
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Arkansas Insurance Department. "Consumers FAQ: Private Passenger Automobile Insurance."
- Arkansas Department of Finance and Administration. "Driver Services."
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.
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.
Featured in