Buy Cheap Searcy, AR Auto Insurance in 2024
Searcy, AR auto insurance rates average $338 a month. Minimum auto insurance requirements in Searcy, Arkansas are 25/50/25 to comply with Arkansas laws. To buy cheap auto insurance in Searcy, AR, compare Searcy auto insurance quotes from top companies.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
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 Searcy after a DUI is Travelers
- The most expensive auto insurance company in Searcy is Travelers
- Average auto insurance rates in Searcy, AR after a DUI are $4,877/year
Finding affordable Searcy, Arkansas auto insurance can be challenging, but everything you need to know to buy cheap Searcy, AR auto insurance with confidence is right here. Auto insurance rates in Searcy are affected by local factors as well as personal ones like your driving record.
See how Searcy, AR car insurance rates compare to Conway auto insurance rates, Fayetteville auto insurance rates, and Hot Springs auto insurance rates before you read more about the cost of auto insurance in Searcy.
Don’t buy Searcy, AR auto insurance until you’ve compared rates. Get free Searcy, Arkansas auto insurance quotes when you enter your ZIP code above.
Searcy, AR Minimum Auto Insurance Requirements
The required auto insurance in Searcy, AR is 25/50/25 according to the auto insurance laws in Arkansas. The minimum auto insurance in Searcy, Arkansas is outlined here.
Minimum Required Auto Insurance Coverage in Searcy, Arkansas
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap Searcy, AR Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Searcy, AR. Take a look at Searcy, Arkansas auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Searcy, Arkansas
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,230 | $4,782 | $3,877 |
| Farmers | $4,835 | $4,054 | $3,862 |
| Geico | $4,065 | $3,344 | $2,774 |
| Liberty Mutual | $5,655 | $3,430 | $2,687 |
| Nationwide | $4,733 | $3,811 | $3,473 |
| Progressive | $5,936 | $5,067 | $4,715 |
| State Farm | $4,051 | $2,438 | $1,898 |
| Travelers | $6,714 | $5,614 | $5,249 |
| USAA | $2,726 | $1,864 | $1,590 |
Buy Cheap Searcy, AR Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Searcy, Arkansas auto insurance rates? Find out how car insurance rates in Searcy, AR are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Searcy, Arkansas
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,775 | $2,784 | $2,489 | $2,659 | $10,296 | $12,363 | $3,045 | $3,292 |
| Farmers | $2,304 | $2,292 | $2,059 | $2,165 | $9,703 | $10,055 | $2,642 | $2,784 |
| Geico | $2,442 | $2,411 | $2,249 | $2,187 | $6,504 | $6,507 | $2,410 | $2,444 |
| Liberty Mutual | $2,227 | $2,384 | $2,143 | $2,398 | $8,234 | $9,082 | $2,410 | $2,513 |
| Nationwide | $2,718 | $2,768 | $2,440 | $2,578 | $6,624 | $8,442 | $3,116 | $3,360 |
| Progressive | $2,766 | $2,618 | $2,276 | $2,380 | $11,758 | $13,237 | $3,307 | $3,572 |
| State Farm | $1,740 | $1,740 | $1,564 | $1,564 | $5,117 | $6,425 | $1,962 | $2,255 |
| Travelers | $2,146 | $2,185 | $2,135 | $2,139 | $12,771 | $20,554 | $2,304 | $2,635 |
| USAA | $1,272 | $1,284 | $1,182 | $1,189 | $3,987 | $4,173 | $1,634 | $1,760 |
Buy Cheap Searcy, AR Auto Insurance for Teen Drivers
Auto insurance for teenagers in Searcy can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Searcy, AR are listed here.
Annual Auto Insurance Rates for Teen Drivers in Searcy, Arkansas
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,296 | $12,363 |
| Farmers | $9,703 | $10,055 |
| Geico | $6,504 | $6,507 |
| Liberty Mutual | $8,234 | $9,082 |
| Nationwide | $6,624 | $8,442 |
| Progressive | $11,758 | $13,237 |
| State Farm | $5,117 | $6,425 |
| Travelers | $12,771 | $20,554 |
| USAA | $3,987 | $4,173 |
Buy Cheap Searcy, AR Auto Insurance for Seniors
You can save on senior auto insurance rates in Searcy, Arkansas by comparing Searcy senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Searcy, AR here.
Annual Auto Insurance Rates for Senior Drivers in Searcy, Arkansas
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,489 | $2,659 |
| Farmers | $2,059 | $2,165 |
| Geico | $2,249 | $2,187 |
| Liberty Mutual | $2,143 | $2,398 |
| Nationwide | $2,440 | $2,578 |
| Progressive | $2,276 | $2,380 |
| State Farm | $1,564 | $1,564 |
| Travelers | $2,135 | $2,139 |
| USAA | $1,182 | $1,189 |
Find Cheap Auto Insurance Rates in Searcy, AR by Coverage Level
The amount of coverage you choose is a big factor in the cost of Searcy, Arkansas auto insurance. Compare Searcy, AR auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Searcy, Arkansas
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,807 | $4,960 | $5,121 |
| Farmers | $4,041 | $4,207 | $4,504 |
| Geico | $3,250 | $3,393 | $3,540 |
| Liberty Mutual | $3,776 | $3,892 | $4,104 |
| Nationwide | $4,022 | $3,922 | $4,073 |
| Progressive | $4,814 | $5,153 | $5,751 |
| State Farm | $2,654 | $2,793 | $2,940 |
| Travelers | $5,557 | $5,874 | $6,145 |
| USAA | $1,972 | $2,052 | $2,155 |
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Find Cheap Searcy, AR Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Searcy. Compare auto insurance rates in Searcy, AR by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Searcy, Arkansas
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,963 | $4,963 |
| Farmers | $4,251 | $4,251 |
| Geico | $3,369 | $3,420 |
| Liberty Mutual | $3,924 | $3,924 |
| Nationwide | $4,006 | $4,006 |
| Progressive | $5,239 | $5,239 |
| State Farm | $2,728 | $2,863 |
| Travelers | $5,859 | $5,859 |
| USAA | $2,001 | $2,118 |
Find Cheap Searcy, AR Auto Insurance Rates by ZIP Code
Auto insurance rates in Searcy, Arkansas can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Searcy, AR to see how much where you live in Searcy affects the cost of car insurance.
Annual Auto Insurance Rates by ZIP Code in Searcy, Arkansas
| ZIP Code | Average Annual Rates |
|---|---|
| 72143 | $4,200 |
| 72149 | $4,110 |
Find Cheap Searcy, AR Auto Insurance Rates by Driving Record
Auto insurance rates in Searcy, Arkansas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Searcy, AR, take a look at the average cost for various violations versus rates for a clean driving record in Searcy.
Annual Searcy, Arkansas Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,079 | $5,149 | $5,733 | $4,890 |
| Farmers | $3,591 | $4,604 | $4,498 | $4,308 |
| Geico | $2,310 | $3,534 | $5,248 | $2,486 |
| Liberty Mutual | $2,668 | $4,350 | $5,091 | $3,586 |
| Nationwide | $3,114 | $4,027 | $5,453 | $3,429 |
| Progressive | $4,515 | $6,281 | $4,746 | $5,416 |
| State Farm | $2,560 | $3,032 | $2,796 | $2,796 |
| Travelers | $4,906 | $5,068 | $7,440 | $6,021 |
| USAA | $1,585 | $2,008 | $2,890 | $1,758 |
Find Cheap Searcy, AR Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Searcy, Arkansas is higher than for a clean driving record. You can buy auto insurance after a DUI in Searcy for less when you shop around and compare rates from multiple Searcy, AR auto insurance companies.
Annual Auto Insurance Rates After a DUI in Searcy, Arkansas
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,733 |
| Farmers | $4,498 |
| Geico | $5,248 |
| Liberty Mutual | $5,091 |
| Nationwide | $5,453 |
| Progressive | $4,746 |
| State Farm | $2,796 |
| Travelers | $7,440 |
| USAA | $2,890 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Searcy, AR
Compare rates from the cheapest auto insurance companies in Searcy, AR for your needs. Take a look at how Searcy, Arkansas auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Searcy, Arkansas
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Find Cheap Searcy, Arkansas Auto Insurance Companies
If you’re looking for the cheapest Searcy, AR auto insurance companies overall, you can compare them here. Find the best price for Searcy, Arkansas car insurance by company.
Average Annual Auto Insurance Rates by Company in Searcy, Arkansas
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,963 |
| Farmers | $4,251 |
| Geico | $3,394 |
| Liberty Mutual | $3,924 |
| Nationwide | $4,006 |
| Progressive | $5,239 |
| State Farm | $2,796 |
| Travelers | $5,859 |
| USAA | $2,060 |
What affects Searcy, Arkansas auto insurance rates?
Local factors affect auto insurance rates in Searcy, AR, including traffic, theft statistics, and commute length. Take a look at the things that impact Searcy auto insurance rates.
Commute Times in Searcy
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Searcy, AR is 16.6 minutes according to City-Data.
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Compare Auto Insurance Quotes in Searcy, AR
You can buy cheap Searcy, AR auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Searcy, Arkansas auto insurance quotes from top companies.
Frequently Asked Questions
What factors can affect the cost of auto insurance in Searcy, AR?
Several factors can influence the cost of auto insurance in Searcy, AR, including your driving record, age, gender, location, type of vehicle, coverage limits, and deductibles. Other considerations may include your credit score, annual mileage, and whether you have any previous claims.
How can I find cheap auto insurance in Searcy, AR?
To find cheap auto insurance in Searcy, AR, consider the following steps:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a clean driving record and avoid traffic violations.
- Opt for higher deductibles, but ensure you can afford them in case of an accident.
- Take advantage of available discounts such as safe driver discounts, multi-policy discounts, or good student discounts.
- Consider bundling your auto insurance with other insurance policies, such as homeowners or renters insurance, to potentially save on premiums.
- Review your coverage limits to ensure you’re not paying for more coverage than you need.
What are the advantages of buying cheap auto insurance in Searcy, AR?
The advantages of purchasing cheap auto insurance in Searcy, AR include:
- Cost savings: Lower premiums can help you save money on your insurance expenses.
- Compliance with legal requirements: Auto insurance is mandatory in Arkansas, so buying cheap insurance ensures you meet the legal requirements without breaking the bank.
- Protection against unexpected expenses: Even with cheap insurance, you’ll have coverage for damages caused by accidents or theft, reducing the financial burden.
What are the potential disadvantages of buying cheap auto insurance in Searcy, AR?
Some potential drawbacks of purchasing cheap auto insurance in Searcy, AR are:
- Limited coverage: Cheap insurance policies may offer minimal coverage, which might not be sufficient to cover all potential damages or medical expenses.
- Higher deductibles: Cheap policies often have higher deductibles, meaning you’ll have to pay more out of pocket before your insurance coverage kicks in.
- Less comprehensive customer service: Some budget insurance providers may offer limited customer service options or slower claims processing.
Are there any local auto insurance companies in Searcy, AR that offer competitive rates?
While there may be local auto insurance companies in Searcy, AR, it’s important to consider both local and national insurance providers when seeking competitive rates. Compare quotes from a mix of local and national insurers to find the best rates and coverage options that suit your needs.
Can I get a discount for being a safe driver in Searcy, AR?
Yes, many auto insurance companies offer safe driver discounts in Searcy, AR. If you have a clean driving record without accidents or violations, you may be eligible for this discount. Some insurance companies also offer usage-based programs where your driving habits are monitored, and discounts are provided based on safe driving behavior.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
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.