Buy Cheap West Memphis, AR Auto Insurance in 2024
West Memphis, AR auto insurance rates average $357 a month. Minimum auto insurance requirements in West Memphis, Arkansas are 25/50/25 to comply with Arkansas laws. To buy cheap auto insurance in West Memphis, AR, compare West Memphis auto insurance quotes from top companies.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in West Memphis after a DUI is Travelers
- Average auto insurance rates in West Memphis, AR after a DUI are $5,172/year
- The most expensive auto insurance company in West Memphis is Travelers
Finding affordable West Memphis, Arkansas auto insurance can be challenging, but everything you need to know to buy cheap West Memphis, AR auto insurance with confidence is right here. Auto insurance rates in West Memphis are affected by local factors as well as personal ones like your driving record.
See how West Memphis, AR car insurance rates compare to Fayetteville auto insurance rates, Hot Springs auto insurance rates, and Bentonville auto insurance rates before you read more about the cost of auto insurance in West Memphis.
Don’t buy West Memphis, AR auto insurance until you’ve compared rates. Get free West Memphis, Arkansas auto insurance quotes when you enter your ZIP code above.
West Memphis, AR Minimum Auto Insurance Requirements
The required auto insurance in West Memphis, AR is 25/50/25 according to the auto insurance laws in Arkansas. The minimum auto insurance in West Memphis, Arkansas is outlined here.
| 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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Find Cheap West Memphis, AR Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in West Memphis, AR. Take a look at West Memphis, Arkansas auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,200 | $5,518 | $4,468 |
| Farmers | $4,735 | $3,974 | $3,785 |
| Geico | $4,142 | $3,407 | $2,825 |
| Liberty Mutual | $5,978 | $3,605 | $2,820 |
| Nationwide | $4,672 | $3,764 | $3,430 |
| Progressive | $5,765 | $4,934 | $4,595 |
| State Farm | $4,419 | $2,658 | $2,068 |
| Travelers | $7,425 | $6,208 | $5,805 |
| USAA | $3,305 | $2,257 | $1,924 |
Buy Cheap West Memphis, AR Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect West Memphis, Arkansas auto insurance rates? Find out how car insurance rates in West Memphis, AR are impacted by demographics.
| 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 | $3,192 | $3,207 | $2,850 | $3,048 | $11,899 | $14,299 | $3,516 | $3,818 |
| Farmers | $2,244 | $2,233 | $2,004 | $2,111 | $9,555 | $9,901 | $2,569 | $2,700 |
| Geico | $2,498 | $2,467 | $2,303 | $2,239 | $6,597 | $6,603 | $2,461 | $2,495 |
| Liberty Mutual | $2,387 | $2,555 | $2,288 | $2,555 | $8,580 | $9,444 | $2,575 | $2,688 |
| Nationwide | $2,685 | $2,734 | $2,411 | $2,546 | $6,539 | $8,331 | $3,077 | $3,318 |
| Progressive | $2,672 | $2,523 | $2,200 | $2,300 | $11,497 | $12,946 | $3,193 | $3,453 |
| State Farm | $1,873 | $1,873 | $1,695 | $1,695 | $5,633 | $7,082 | $2,116 | $2,421 |
| Travelers | $2,365 | $2,406 | $2,355 | $2,359 | $14,148 | $22,752 | $2,542 | $2,907 |
| USAA | $1,511 | $1,522 | $1,404 | $1,406 | $4,924 | $5,141 | $1,955 | $2,101 |
Buy Cheap West Memphis, AR Auto Insurance for Teen Drivers
Auto insurance for teenagers in West Memphis can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in West Memphis, AR are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,899 | $14,299 |
| Farmers | $9,555 | $9,901 |
| Geico | $6,597 | $6,603 |
| Liberty Mutual | $8,580 | $9,444 |
| Nationwide | $6,539 | $8,331 |
| Progressive | $11,497 | $12,946 |
| State Farm | $5,633 | $7,082 |
| Travelers | $14,148 | $22,752 |
| USAA | $4,924 | $5,141 |
Buy Cheap West Memphis, AR Auto Insurance for Seniors
You can save on senior auto insurance rates in West Memphis, Arkansas by comparing West Memphis senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in West Memphis, AR here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,850 | $3,048 |
| Farmers | $2,004 | $2,111 |
| Geico | $2,303 | $2,239 |
| Liberty Mutual | $2,288 | $2,555 |
| Nationwide | $2,411 | $2,546 |
| Progressive | $2,200 | $2,300 |
| State Farm | $1,695 | $1,695 |
| Travelers | $2,355 | $2,359 |
| USAA | $1,404 | $1,406 |
Find Cheap Auto Insurance Rates in West Memphis, AR by Coverage Level
The amount of coverage you choose is a big factor in the cost of West Memphis, Arkansas auto insurance. Compare West Memphis, AR auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,573 | $5,725 | $5,888 |
| Farmers | $3,944 | $4,118 | $4,432 |
| Geico | $3,290 | $3,457 | $3,627 |
| Liberty Mutual | $3,986 | $4,103 | $4,313 |
| Nationwide | $3,970 | $3,872 | $4,023 |
| Progressive | $4,644 | $5,002 | $5,648 |
| State Farm | $2,872 | $3,047 | $3,226 |
| Travelers | $6,153 | $6,496 | $6,789 |
| USAA | $2,392 | $2,487 | $2,608 |
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Find Cheap West Memphis, AR Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in West Memphis. Compare auto insurance rates in West Memphis, AR by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,729 | $5,729 |
| Farmers | $4,165 | $4,165 |
| Geico | $3,433 | $3,484 |
| Liberty Mutual | $4,134 | $4,134 |
| Nationwide | $3,955 | $3,955 |
| Progressive | $5,098 | $5,098 |
| State Farm | $2,972 | $3,125 |
| Travelers | $6,479 | $6,479 |
| USAA | $2,425 | $2,566 |
Find Cheap West Memphis, AR Auto Insurance Rates by Driving Record
Auto insurance rates in West Memphis, Arkansas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in West Memphis, AR, take a look at the average cost for various violations versus rates for a clean driving record in West Memphis.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,702 | $5,941 | $6,627 | $5,646 |
| Farmers | $3,519 | $4,516 | $4,411 | $4,214 |
| Geico | $2,354 | $3,600 | $5,344 | $2,534 |
| Liberty Mutual | $2,812 | $4,582 | $5,360 | $3,782 |
| Nationwide | $3,076 | $3,976 | $5,382 | $3,387 |
| Progressive | $4,392 | $6,119 | $4,618 | $5,264 |
| State Farm | $2,784 | $3,313 | $3,048 | $3,048 |
| Travelers | $5,423 | $5,602 | $8,233 | $6,658 |
| USAA | $1,907 | $2,431 | $3,526 | $2,117 |
Find Cheap West Memphis, AR Auto Insurance Rates After a DUI
The cost of DUI auto insurance in West Memphis, Arkansas is higher than for a clean driving record. You can buy auto insurance after a DUI in West Memphis for less when you shop around and compare rates from multiple West Memphis, AR auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,627 |
| Farmers | $4,411 |
| Geico | $5,344 |
| Liberty Mutual | $5,360 |
| Nationwide | $5,382 |
| Progressive | $4,618 |
| State Farm | $3,048 |
| Travelers | $8,233 |
| USAA | $3,526 |
Winners by Category: Where to Buy Cheap Auto Insurance in West Memphis, AR
Compare rates from the cheapest auto insurance companies in West Memphis, AR for your needs. Take a look at how West Memphis, Arkansas auto insurance companies stack up for each category.
| 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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Find Cheap West Memphis, Arkansas Auto Insurance Companies
If you’re looking for the cheapest West Memphis, AR auto insurance companies overall, you can compare them here. Find the best price for West Memphis, Arkansas car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,729 |
| Farmers | $4,165 |
| Geico | $3,458 |
| Liberty Mutual | $4,134 |
| Nationwide | $3,955 |
| Progressive | $5,098 |
| State Farm | $3,048 |
| Travelers | $6,479 |
| USAA | $2,495 |
What affects West Memphis, Arkansas auto insurance rates?
Local factors affect auto insurance rates in West Memphis, AR, including traffic, theft statistics, and commute length. Take a look at the things that impact West Memphis auto insurance rates.
Commute Times in West Memphis
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in West Memphis, AR is 18.1 minutes according to City-Data.
Compare Auto Insurance Quotes in West Memphis, AR
You can buy cheap West Memphis, AR auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free West Memphis, Arkansas auto insurance quotes from top companies.
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Frequently Asked Questions
How can I find cheap auto insurance in West Memphis, AR?
How can I find cheap auto insurance in West Memphis, AR?
A1: To find cheap auto insurance in West Memphis, AR, you can follow these steps:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options specific to your location in West Memphis, AR.
- Utilize online comparison tools: Use online comparison tools that allow you to enter your information once and receive multiple quotes from different insurance companies. This can help you save time and find competitive rates.
- Consider local insurers: Research local insurance companies that operate in West Memphis, AR. They may offer competitive rates or specialized coverage tailored to the area.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations can help you qualify for lower insurance premiums.
- Opt for higher deductibles: Increasing your deductible—the amount you pay out of pocket before insurance coverage kicks in—can lower your premiums. Make sure the deductible amount is affordable for you in case of an accident.
- Look for discounts: Inquire about discounts offered by insurance companies, such as safe driver discounts, multi-policy discounts, or discounts for certain safety features in your vehicle.
What factors affect the cost of auto insurance in West Memphis, AR?
Several factors can influence the cost of auto insurance in West Memphis, AR. Some of the key factors include:
- Location: The location where you live and park your vehicle in West Memphis, AR can impact insurance rates. Areas with higher crime rates or traffic congestion may have higher premiums.
- Driving record: Your driving history, including accidents, traffic violations, and claims, can affect your insurance premiums. Maintaining a clean driving record can help keep your rates lower.
- Vehicle type: The make, model, and year of your vehicle can impact insurance rates. Some vehicles may be more expensive to repair or more likely to be targeted by thieves, resulting in higher premiums.
- Coverage and deductibles: The type and amount of coverage you choose, as well as the deductible you select, can affect your insurance costs. Comprehensive coverage and lower deductibles tend to result in higher premiums.
Are there any discounts available for auto insurance in West Memphis, AR?
While discounts may vary by insurance provider, there are some common discounts that may be available for auto insurance in West Memphis, AR, including:
- Safe driver discount: Maintaining a clean driving record without accidents or traffic violations may qualify you for a safe driver discount.
- Multi-policy discount: If you bundle your auto insurance with other policies, such as homeowners or renters insurance, you may be eligible for a discount.
- Good student discount: If you are a student with good grades, you may qualify for a good student discount from insurance providers.
Can I get cheap auto insurance in West Memphis, AR if I have a low income?
If you have a low income, there are potential options to obtain affordable auto insurance in West Memphis, AR. Consider the following:
- State assistance programs: Check if your state offers any assistance programs or low-income auto insurance options. These programs may provide affordable coverage tailored to individuals with low incomes.
- Non-profit organizations: Some non-profit organizations may offer discounted or subsidized auto insurance options for low-income individuals. Research local resources and organizations that focus on providing affordable insurance solutions.
- Government programs: Explore government programs that provide financial assistance or subsidies for auto insurance. These programs vary by location, so check with local government agencies for available options.
- Insurance discounts and payment plans: Inquire with insurance providers about discounts and flexible payment plans. Some insurers may offer discounts specifically designed for low-income individuals or provide payment options to make premiums more manageable.
How can I lower my auto insurance premiums in West Memphis, AR?
To lower your auto insurance premiums in West Memphis, AR, you can consider the following strategies:
- Maintain a good driving record: Avoid accidents and traffic violations to keep your driving record clean. Insurance companies typically offer lower premiums to drivers with a history of safe driving.
- Increase your deductible: Opting for a higher deductible means you’ll pay more out of pocket in the event of a claim, but it can lower your premium costs.
- Bundle policies: If you have other insurance policies, such as home or renters insurance, consider bundling them with your auto insurance. Many insurers offer discounts for multi-policy holders.
- Inquire about discounts: Ask your insurance provider about available discounts. This may include safe driver discounts, good student discounts (if applicable), or discounts for certain safety features in your vehicle.
- Shop around: Compare quotes from multiple insurance providers to find the best rates and coverage options for your needs. Different insurers may offer varying premiums, so it’s important to do your research.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.