Compare Heber Springs, AR Car Insurance Rates (2021)

Car insurance in Heber Springs, AR averages $340 a month. Heber Springs, Arkansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Heber Springs car insurance rates, compare quotes from the top car insurance companies in Heber Springs, 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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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Heber Springs, AR are $4,078/year
  • The cheapest car insurance company in Heber Springs for teen drivers is USAA
  • The cheapest car insurance company in Heber Springs is USAA

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

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

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

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

How do age, gender, and marital status affect Heber Springs, AR car insurance rates? Every Heber Springs, 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 Heber Springs, 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 $2,956 $2,964 $2,648 $2,829 $11,052 $13,293 $3,246 $3,518
Farmers $2,328 $2,319 $2,081 $2,186 $9,734 $10,093 $2,672 $2,822
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 $2,447 $2,493 $2,200 $2,323 $5,904 $7,513 $2,798 $3,014
Progressive $3,032 $2,880 $2,489 $2,604 $12,669 $14,278 $3,628 $3,922
State Farm $1,703 $1,703 $1,519 $1,519 $4,818 $6,073 $1,916 $2,188
Travelers $2,123 $2,165 $2,090 $2,097 $12,209 $19,577 $2,268 $2,633
USAA $1,269 $1,282 $1,178 $1,187 $3,956 $4,144 $1,632 $1,759

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Minimum Car Insurance in Heber Springs, AR

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

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

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

Annual Car Insurance Rates by Credit Score in Heber Springs, Arkansas

Insurance Company Poor Fair Good
Allstate $6,673 $5,119 $4,148
Farmers $4,872 $4,080 $3,887
GEICO $4,238 $3,481 $2,890
Liberty Mutual $5,679 $3,414 $2,677
Nationwide $4,238 $3,412 $3,110
Progressive $6,460 $5,496 $5,107
State Farm $3,881 $2,337 $1,820
Travelers $6,482 $5,405 $5,050
USAA $2,715 $1,855 $1,582

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

Annual Heber Springs, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,357 $5,509 $6,151 $5,236
Farmers $3,616 $4,634 $4,526 $4,342
GEICO $2,385 $3,677 $5,517 $2,566
Liberty Mutual $2,685 $4,336 $5,070 $3,601
Nationwide $2,798 $3,605 $4,866 $3,077
Progressive $4,904 $6,805 $5,152 $5,889
State Farm $2,465 $2,894 $2,680 $2,680
Travelers $4,733 $4,890 $7,148 $5,811
USAA $1,578 $1,998 $2,876 $1,751

Cheapest Heber Springs, AR Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Heber Springs, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,052 $13,293
Farmers $9,734 $10,093
GEICO $6,591 $6,629
Liberty Mutual $7,977 $8,773
Nationwide $5,904 $7,513
Progressive $12,669 $14,278
State Farm $4,818 $6,073
Travelers $12,209 $19,577
USAA $3,956 $4,144

Cheapest Heber Springs, AR Car Insurance for Seniors

Take a look at Heber Springs, 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 Heber Springs, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,648 $2,829
Farmers $2,081 $2,186
GEICO $2,408 $2,340
Liberty Mutual $2,208 $2,460
Nationwide $2,200 $2,323
Progressive $2,489 $2,604
State Farm $1,519 $1,519
Travelers $2,090 $2,097
USAA $1,178 $1,187

Cheapest Heber Springs, AR Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Heber Springs, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,151
Farmers $4,526
GEICO $5,517
Liberty Mutual $5,070
Nationwide $4,866
Progressive $5,152
State Farm $2,680
Travelers $7,148
USAA $2,876

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Cheapest Heber Springs, AR Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Heber Springs, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,313 $5,313
Farmers $4,279 $4,279
GEICO $3,516 $3,557
Liberty Mutual $3,923 $3,923
Nationwide $3,587 $3,587
Progressive $5,688 $5,688
State Farm $2,615 $2,744
Travelers $5,645 $5,645
USAA $1,992 $2,109

The Best Cheap Car Insurance Companies in Heber Springs, AR

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

Average Annual Car Insurance Rates by Company in Heber Springs, Arkansas

Insurance Company Average Annual Rates
Allstate $5,313
Farmers $4,279
GEICO $3,536
Liberty Mutual $3,923
Nationwide $3,587
Progressive $5,688
State Farm $2,680
Travelers $5,645
USAA $2,051

Category Winners: Cheapest Car Insurance in Heber Springs, Arkansas

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

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

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

Annual Car Insurance Rates by Coverage Level in Heber Springs, Arkansas

Insurance Company Low Medium High
Allstate $5,158 $5,310 $5,472
Farmers $4,073 $4,236 $4,530
GEICO $3,403 $3,535 $3,671
Liberty Mutual $3,798 $3,899 $4,073
Nationwide $3,610 $3,515 $3,635
Progressive $5,258 $5,598 $6,207
State Farm $2,548 $2,677 $2,814
Travelers $5,393 $5,662 $5,881
USAA $1,964 $2,043 $2,145

What affects car insurance rates in Heber Springs, Arkansas?

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

Commute Time in Heber Springs

The more time you spend in your car the higher the risk of an accident. The average commute length in Heber Springs, AR is 17.1 minutes according to City-Data.

Compare Car Insurance Quotes in Heber Springs, AR

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

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Average Monthly Car Insurance Rates by State