Compare Charleston, AR Car Insurance Rates (2021)

Car insurance in Charleston, AR averages $319 a month. Charleston, Arkansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Charleston car insurance rates, compare quotes from the top car insurance companies in Charleston, AR.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Charleston for teen drivers is USAA
  • Average car insurance rates in Charleston, AR after a DUI are $4,608/year
  • The cheapest car insurance company in Charleston is USAA

If you need to buy Charleston, Arkansas car insurance, the options can be confusing. Everything you need to know about car insurance in Charleston, AR is right here.

You’ll find Charleston car insurance rates, the cheapest Charleston, AR car insurance companies, and information on Arkansas car insurance laws. You can also compare Charleston, Arkansas car insurance rates to Fort Smith car insurance rates, Fayetteville car insurance rates, and Rogers car insurance rates.

Ready to find affordable Charleston, AR car insurance today? Enter your ZIP code for fast, free Charleston car insurance quotes.

Cheapest Charleston, AR Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Charleston, AR car insurance rates? Every Charleston, Arkansas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Charleston, 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 $2,513 $2,529 $2,249 $2,402 $9,073 $10,870 $2,767 $2,998
Farmers $2,324 $2,307 $2,075 $2,184 $9,896 $10,247 $2,667 $2,804
GEICO $2,380 $2,353 $2,195 $2,134 $6,214 $6,228 $2,341 $2,374
Liberty Mutual $2,168 $2,317 $2,093 $2,335 $8,162 $8,987 $2,349 $2,449
Nationwide $2,448 $2,496 $2,200 $2,325 $5,888 $7,499 $2,797 $3,014
Progressive $2,585 $2,444 $2,126 $2,225 $11,035 $12,416 $3,091 $3,340
State Farm $1,545 $1,545 $1,401 $1,401 $4,678 $5,865 $1,745 $2,003
Travelers $2,045 $2,083 $2,026 $2,031 $12,015 $19,302 $2,193 $2,521
USAA $1,243 $1,249 $1,163 $1,160 $4,016 $4,182 $1,595 $1,708

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Minimum Car Insurance in Charleston, AR

Every driver must carry the minimum car insurance in Charleston, AR. Take a look at the Arkansas car insurance requirements.

Minimum Required Car Insurance Coverage in Charleston, 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

Cheapest Charleston, AR Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Charleston, AR. Compare credit history car insurance rates in Charleston from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Charleston, Arkansas

Insurance Company Poor Fair Good
Allstate $5,551 $4,262 $3,463
Farmers $4,899 $4,118 $3,922
GEICO $3,926 $3,228 $2,678
Liberty Mutual $5,558 $3,375 $2,640
Nationwide $4,238 $3,407 $3,105
Progressive $5,558 $4,748 $4,418
State Farm $3,652 $2,201 $1,715
Travelers $6,336 $5,295 $4,951
USAA $2,686 $1,849 $1,582

Cheapest Charleston, AR Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Charleston, AR to rates for a clean record with top companies.

Annual Charleston, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,654 $4,589 $5,096 $4,361
Farmers $3,642 $4,672 $4,569 $4,368
GEICO $2,224 $3,411 $5,082 $2,393
Liberty Mutual $2,607 $4,284 $5,017 $3,521
Nationwide $2,794 $3,602 $4,865 $3,073
Progressive $4,229 $5,886 $4,445 $5,072
State Farm $2,301 $2,744 $2,523 $2,523
Travelers $4,632 $4,784 $7,012 $5,680
USAA $1,565 $1,993 $2,864 $1,736

Cheapest Charleston, AR Car Insurance for Teen Drivers

Teen car insurance in Charleston, AR can be expensive. Take a look at rates from the top car insurance companies in Charleston for teenagers.

Annual Car Insurance Rates for Teen Drivers in Charleston, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,073 $10,870
Farmers $9,896 $10,247
GEICO $6,214 $6,228
Liberty Mutual $8,162 $8,987
Nationwide $5,888 $7,499
Progressive $11,035 $12,416
State Farm $4,678 $5,865
Travelers $12,015 $19,302
USAA $4,016 $4,182

Cheapest Charleston, AR Car Insurance for Seniors

Take a look at Charleston, AR senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Charleston, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,249 $2,402
Farmers $2,075 $2,184
GEICO $2,195 $2,134
Liberty Mutual $2,093 $2,335
Nationwide $2,200 $2,325
Progressive $2,126 $2,225
State Farm $1,401 $1,401
Travelers $2,026 $2,031
USAA $1,163 $1,160

Cheapest Charleston, AR Car Insurance Rates After a DUI

A DUI in Charleston, AR increases car insurance rates. Compare Charleston, Arkansas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Charleston, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,096
Farmers $4,569
GEICO $5,082
Liberty Mutual $5,017
Nationwide $4,865
Progressive $4,445
State Farm $2,523
Travelers $7,012
USAA $2,864

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Cheapest Charleston, AR Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Charleston, AR by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Charleston, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,425 $4,425
Farmers $4,313 $4,313
GEICO $3,255 $3,300
Liberty Mutual $3,857 $3,857
Nationwide $3,583 $3,583
Progressive $4,908 $4,908
State Farm $2,461 $2,585
Travelers $5,527 $5,527
USAA $1,982 $2,097

The Best Cheap Car Insurance Companies in Charleston, AR

Take a look at a side-by-side comparison of the top car insurance companies in Charleston, AR to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Charleston, Arkansas

Insurance Company Average Annual Rates
Allstate $4,425
Farmers $4,313
GEICO $3,277
Liberty Mutual $3,857
Nationwide $3,583
Progressive $4,908
State Farm $2,523
Travelers $5,527
USAA $2,039

Category Winners: Cheapest Car Insurance in Charleston, Arkansas

Find the cheapest car insurance companies in Charleston, AR for each category right here.

Best Annual Car Insurance Rates by Company in Charleston, 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

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Cheapest Charleston, AR Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Charleston car insurance rates. Find the cheapest Charleston, AR car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Charleston, Arkansas

Insurance Company Low Medium High
Allstate $4,300 $4,422 $4,553
Farmers $4,103 $4,269 $4,567
GEICO $3,146 $3,277 $3,409
Liberty Mutual $3,721 $3,829 $4,022
Nationwide $3,614 $3,513 $3,623
Progressive $4,517 $4,830 $5,377
State Farm $2,377 $2,520 $2,671
Travelers $5,267 $5,542 $5,772
USAA $1,941 $2,031 $2,146

What affects car insurance rates in Charleston, Arkansas?

What factors can have an impact on Charleston, AR car insurance? There are several reasons why Charleston car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Charleston, Arkansas.

Commute Time in Charleston

The more time you spend in your car the higher the risk of an accident. The average commute length in Charleston, AR is 25.1 minutes according to City-Data.

Traffic in Charleston

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Charleston, AR traffic data from INRIX ranks Charleston as the 649th-most congested in the world.

Compare Car Insurance Quotes in Charleston, AR

Ready to find affordable Charleston, Arkansas car insurance today? Enter your ZIP code for fast, free Charleston, AR car insurance quotes.

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