Compare Hardy, AR Car Insurance Rates (2021)

Car insurance in Hardy, AR averages $347 a month. Hardy, Arkansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Hardy car insurance rates, compare quotes from the top car insurance companies in Hardy, 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 Hardy is USAA
  • The cheapest car insurance company in Hardy for teen drivers is USAA
  • Average car insurance rates in Hardy, AR after a DUI are $4,989/year

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

You’ll find Hardy car insurance rates, the cheapest Hardy, AR car insurance companies, and information on Arkansas car insurance laws. You can also compare Hardy, Arkansas car insurance rates to Fayetteville car insurance rates, Bentonville car insurance rates, and Hot Springs car insurance rates.

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

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

How do age, gender, and marital status affect Hardy, AR car insurance rates? Every Hardy, 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 Hardy, 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 $2,660 $2,687 $2,368 $2,533 $9,378 $11,199 $2,947 $3,201
Farmers $2,414 $2,404 $2,161 $2,267 $9,839 $10,194 $2,757 $2,909
GEICO $2,606 $2,582 $2,408 $2,340 $6,591 $6,629 $2,550 $2,586
Liberty Mutual $2,329 $2,494 $2,208 $2,460 $7,977 $8,773 $2,511 $2,632
Nationwide $2,718 $2,768 $2,440 $2,578 $6,624 $8,442 $3,116 $3,360
Progressive $3,100 $2,952 $2,544 $2,655 $12,833 $14,480 $3,715 $4,026
State Farm $1,961 $1,961 $1,732 $1,732 $5,369 $6,782 $2,203 $2,516
Travelers $2,312 $2,358 $2,271 $2,281 $13,291 $21,367 $2,465 $2,867
USAA $1,276 $1,289 $1,184 $1,193 $3,976 $4,166 $1,640 $1,768

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Minimum Car Insurance in Hardy, AR

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

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

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

Annual Car Insurance Rates by Credit Score in Hardy, Arkansas

Insurance Company Poor Fair Good
Allstate $5,811 $4,444 $3,610
Farmers $4,977 $4,161 $3,966
GEICO $4,238 $3,481 $2,890
Liberty Mutual $5,679 $3,414 $2,677
Nationwide $4,733 $3,811 $3,473
Progressive $6,583 $5,590 $5,191
State Farm $4,395 $2,644 $2,057
Travelers $7,066 $5,888 $5,500
USAA $2,730 $1,865 $1,590

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

Annual Hardy, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,837 $4,800 $5,297 $4,553
Farmers $3,699 $4,725 $4,617 $4,432
GEICO $2,385 $3,677 $5,517 $2,566
Liberty Mutual $2,685 $4,336 $5,070 $3,601
Nationwide $3,114 $4,027 $5,453 $3,429
Progressive $4,992 $6,918 $5,243 $5,999
State Farm $2,802 $3,263 $3,032 $3,032
Travelers $5,158 $5,330 $7,784 $6,335
USAA $1,587 $2,008 $2,891 $1,760

Cheapest Hardy, AR Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Hardy, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,378 $11,199
Farmers $9,839 $10,194
GEICO $6,591 $6,629
Liberty Mutual $7,977 $8,773
Nationwide $6,624 $8,442
Progressive $12,833 $14,480
State Farm $5,369 $6,782
Travelers $13,291 $21,367
USAA $3,976 $4,166

Cheapest Hardy, AR Car Insurance for Seniors

Take a look at Hardy, 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 Hardy, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,368 $2,533
Farmers $2,161 $2,267
GEICO $2,408 $2,340
Liberty Mutual $2,208 $2,460
Nationwide $2,440 $2,578
Progressive $2,544 $2,655
State Farm $1,732 $1,732
Travelers $2,271 $2,281
USAA $1,184 $1,193

Cheapest Hardy, AR Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hardy, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,297
Farmers $4,617
GEICO $5,517
Liberty Mutual $5,070
Nationwide $5,453
Progressive $5,243
State Farm $3,032
Travelers $7,784
USAA $2,891

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Cheapest Hardy, AR Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hardy, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,622 $4,622
Farmers $4,368 $4,368
GEICO $3,516 $3,557
Liberty Mutual $3,923 $3,923
Nationwide $4,006 $4,006
Progressive $5,788 $5,788
State Farm $2,960 $3,104
Travelers $6,152 $6,152
USAA $2,003 $2,120

The Best Cheap Car Insurance Companies in Hardy, AR

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

Average Annual Car Insurance Rates by Company in Hardy, Arkansas

Insurance Company Average Annual Rates
Allstate $4,622
Farmers $4,368
GEICO $3,536
Liberty Mutual $3,923
Nationwide $4,006
Progressive $5,788
State Farm $3,032
Travelers $6,152
USAA $2,062

Category Winners: Cheapest Car Insurance in Hardy, Arkansas

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

Best Annual Car Insurance Rates by Company in Hardy, Arkansas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest Hardy, AR Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Hardy, Arkansas

Insurance Company Low Medium High
Allstate $4,488 $4,618 $4,758
Farmers $4,170 $4,327 $4,608
GEICO $3,403 $3,535 $3,671
Liberty Mutual $3,798 $3,899 $4,073
Nationwide $4,022 $3,922 $4,073
Progressive $5,376 $5,701 $6,288
State Farm $2,905 $3,029 $3,162
Travelers $5,856 $6,169 $6,429
USAA $1,976 $2,054 $2,154

What affects car insurance rates in Hardy, Arkansas?

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

Commute Time in Hardy

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

Compare Car Insurance Quotes in Hardy, AR

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

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Average Monthly Car Insurance Rates by State