Compare Emerson, AR Car Insurance Rates (2021)

Car insurance in Emerson, AR averages $344 a month. Emerson, Arkansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Emerson car insurance rates, compare quotes from the top car insurance companies in Emerson, 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

  • Average car insurance rates in Emerson, AR are $4,132/year
  • The cheapest car insurance company in Emerson is USAA
  • The cheapest car insurance company in Emerson for teen drivers is USAA

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

You’ll find Emerson car insurance rates, the cheapest Emerson, AR car insurance companies, and information on Arkansas car insurance laws. You can also compare Emerson, Arkansas car insurance rates to Fayetteville car insurance rates, Conway car insurance rates, and Pine Bluff car insurance rates.

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

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

How do age, gender, and marital status affect Emerson, AR car insurance rates? Every Emerson, 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 Emerson, 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 $3,085 $3,131 $2,728 $2,925 $10,757 $12,812 $3,447 $3,760
Farmers $2,287 $2,281 $2,048 $2,148 $9,275 $9,616 $2,613 $2,761
GEICO $2,750 $2,731 $2,547 $2,475 $6,742 $6,800 $2,677 $2,714
Liberty Mutual $2,453 $2,631 $2,316 $2,583 $8,242 $9,071 $2,645 $2,778
Nationwide $2,641 $2,703 $2,364 $2,513 $6,216 $7,979 $3,000 $3,248
Progressive $2,621 $2,507 $2,151 $2,238 $10,492 $11,845 $3,137 $3,381
State Farm $1,830 $1,830 $1,623 $1,623 $5,080 $6,408 $2,057 $2,352
Travelers $2,346 $2,395 $2,290 $2,303 $13,303 $21,383 $2,495 $2,919
USAA $1,421 $1,437 $1,314 $1,327 $4,446 $4,665 $1,835 $1,983

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Minimum Car Insurance in Emerson, AR

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

Minimum Required Car Insurance Coverage in Emerson, 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 Emerson, AR Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Emerson, Arkansas

Insurance Company Poor Fair Good
Allstate $6,716 $5,122 $4,154
Farmers $4,708 $3,931 $3,747
GEICO $4,411 $3,620 $3,007
Liberty Mutual $5,925 $3,555 $2,789
Nationwide $4,545 $3,642 $3,312
Progressive $5,476 $4,627 $4,286
State Farm $4,130 $2,486 $1,935
Travelers $7,103 $5,913 $5,522
USAA $3,059 $2,081 $1,771

Cheapest Emerson, 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 Emerson, AR to rates for a clean record with top companies.

Annual Emerson, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,440 $5,540 $6,093 $5,250
Farmers $3,496 $4,466 $4,361 $4,191
GEICO $2,472 $3,823 $5,763 $2,660
Liberty Mutual $2,810 $4,514 $5,277 $3,758
Nationwide $2,966 $3,853 $5,241 $3,273
Progressive $4,146 $5,707 $4,352 $4,981
State Farm $2,629 $3,072 $2,850 $2,850
Travelers $5,185 $5,358 $7,809 $6,365
USAA $1,769 $2,241 $3,240 $1,964

Cheapest Emerson, AR Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Emerson, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,757 $12,812
Farmers $9,275 $9,616
GEICO $6,742 $6,800
Liberty Mutual $8,242 $9,071
Nationwide $6,216 $7,979
Progressive $10,492 $11,845
State Farm $5,080 $6,408
Travelers $13,303 $21,383
USAA $4,446 $4,665

Cheapest Emerson, AR Car Insurance for Seniors

Take a look at Emerson, 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 Emerson, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,728 $2,925
Farmers $2,048 $2,148
GEICO $2,547 $2,475
Liberty Mutual $2,316 $2,583
Nationwide $2,364 $2,513
Progressive $2,151 $2,238
State Farm $1,623 $1,623
Travelers $2,290 $2,303
USAA $1,314 $1,327

Cheapest Emerson, AR Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Emerson, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,093
Farmers $4,361
GEICO $5,763
Liberty Mutual $5,277
Nationwide $5,241
Progressive $4,352
State Farm $2,850
Travelers $7,809
USAA $3,240

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Cheapest Emerson, AR Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Emerson, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,331 $5,331
Farmers $4,129 $4,129
GEICO $3,661 $3,698
Liberty Mutual $4,090 $4,090
Nationwide $3,833 $3,833
Progressive $4,796 $4,796
State Farm $2,783 $2,918
Travelers $6,179 $6,179
USAA $2,237 $2,370

The Best Cheap Car Insurance Companies in Emerson, AR

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

Average Annual Car Insurance Rates by Company in Emerson, Arkansas

Insurance Company Average Annual Rates
Allstate $5,331
Farmers $4,129
GEICO $3,679
Liberty Mutual $4,090
Nationwide $3,833
Progressive $4,796
State Farm $2,850
Travelers $6,179
USAA $2,303

Category Winners: Cheapest Car Insurance in Emerson, Arkansas

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

Best Annual Car Insurance Rates by Company in Emerson, 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 Emerson, AR Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Emerson, Arkansas

Insurance Company Low Medium High
Allstate $5,200 $5,327 $5,464
Farmers $3,939 $4,089 $4,358
GEICO $3,545 $3,679 $3,815
Liberty Mutual $3,957 $4,064 $4,249
Nationwide $3,882 $3,758 $3,859
Progressive $4,455 $4,726 $5,209
State Farm $2,725 $2,847 $2,979
Travelers $5,898 $6,197 $6,442
USAA $2,214 $2,296 $2,401

What affects car insurance rates in Emerson, Arkansas?

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

Commute Time in Emerson

The more time you spend in your car the higher the risk of an accident. The average commute length in Emerson, AR is 26.7 minutes according to City-Data.

Compare Car Insurance Quotes in Emerson, AR

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

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Average Monthly Car Insurance Rates by State