Compare Horatio, AR Car Insurance Rates (2021)

Car insurance in Horatio, AR averages $349 a month. Horatio, Arkansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Horatio car insurance rates, compare quotes from the top car insurance companies in Horatio, 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 Horatio, AR after a DUI are $5,048/year
  • The cheapest car insurance company in Horatio for teen drivers is USAA
  • Average car insurance rates in Horatio, AR are $4,185/year

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

You’ll find Horatio car insurance rates, the cheapest Horatio, AR car insurance companies, and information on Arkansas car insurance laws. You can also compare Horatio, Arkansas car insurance rates to Conway car insurance rates, North Little Rock car insurance rates, and Rogers car insurance rates.

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

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

How do age, gender, and marital status affect Horatio, AR car insurance rates? Every Horatio, 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 Horatio, 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 $3,149 $3,200 $2,774 $2,977 $10,925 $13,011 $3,529 $3,860
Farmers $2,329 $2,319 $2,082 $2,188 $9,685 $10,039 $2,667 $2,812
GEICO $2,750 $2,731 $2,547 $2,475 $6,742 $6,800 $2,677 $2,714
Liberty Mutual $2,462 $2,637 $2,330 $2,596 $8,693 $9,570 $2,669 $2,804
Nationwide $2,641 $2,703 $2,364 $2,513 $6,216 $7,979 $3,000 $3,248
Progressive $2,656 $2,522 $2,181 $2,279 $11,139 $12,554 $3,179 $3,441
State Farm $1,929 $1,929 $1,713 $1,713 $5,415 $6,820 $2,170 $2,489
Travelers $2,318 $2,366 $2,269 $2,280 $13,212 $21,234 $2,468 $2,881
USAA $1,302 $1,317 $1,204 $1,215 $4,031 $4,231 $1,676 $1,810

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Minimum Car Insurance in Horatio, AR

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

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

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

Annual Car Insurance Rates by Credit Score in Horatio, Arkansas

Insurance Company Poor Fair Good
Allstate $6,840 $5,213 $4,231
Farmers $4,855 $4,066 $3,874
GEICO $4,411 $3,620 $3,007
Liberty Mutual $6,104 $3,677 $2,880
Nationwide $4,545 $3,642 $3,312
Progressive $5,670 $4,826 $4,485
State Farm $4,381 $2,635 $2,050
Travelers $7,042 $5,865 $5,478
USAA $2,786 $1,896 $1,613

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

Annual Horatio, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,522 $5,642 $6,202 $5,346
Farmers $3,607 $4,617 $4,511 $4,324
GEICO $2,472 $3,823 $5,763 $2,660
Liberty Mutual $2,875 $4,670 $5,469 $3,867
Nationwide $2,966 $3,853 $5,241 $3,273
Progressive $4,306 $5,976 $4,524 $5,169
State Farm $2,784 $3,261 $3,022 $3,022
Travelers $5,141 $5,312 $7,748 $6,312
USAA $1,614 $2,040 $2,949 $1,791

Cheapest Horatio, AR Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Horatio, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,925 $13,011
Farmers $9,685 $10,039
GEICO $6,742 $6,800
Liberty Mutual $8,693 $9,570
Nationwide $6,216 $7,979
Progressive $11,139 $12,554
State Farm $5,415 $6,820
Travelers $13,212 $21,234
USAA $4,031 $4,231

Cheapest Horatio, AR Car Insurance for Seniors

Take a look at Horatio, 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 Horatio, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,774 $2,977
Farmers $2,082 $2,188
GEICO $2,547 $2,475
Liberty Mutual $2,330 $2,596
Nationwide $2,364 $2,513
Progressive $2,181 $2,279
State Farm $1,713 $1,713
Travelers $2,269 $2,280
USAA $1,204 $1,215

Cheapest Horatio, AR Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Horatio, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,202
Farmers $4,511
GEICO $5,763
Liberty Mutual $5,469
Nationwide $5,241
Progressive $4,524
State Farm $3,022
Travelers $7,748
USAA $2,949

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Cheapest Horatio, AR Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Horatio, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,428 $5,428
Farmers $4,265 $4,265
GEICO $3,661 $3,698
Liberty Mutual $4,220 $4,220
Nationwide $3,833 $3,833
Progressive $4,994 $4,994
State Farm $2,951 $3,093
Travelers $6,128 $6,128
USAA $2,039 $2,158

The Best Cheap Car Insurance Companies in Horatio, AR

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

Average Annual Car Insurance Rates by Company in Horatio, Arkansas

Insurance Company Average Annual Rates
Allstate $5,428
Farmers $4,265
GEICO $3,679
Liberty Mutual $4,220
Nationwide $3,833
Progressive $4,994
State Farm $3,022
Travelers $6,128
USAA $2,098

Category Winners: Cheapest Car Insurance in Horatio, Arkansas

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

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

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

Annual Car Insurance Rates by Coverage Level in Horatio, Arkansas

Insurance Company Low Medium High
Allstate $5,307 $5,426 $5,551
Farmers $4,060 $4,222 $4,513
GEICO $3,545 $3,679 $3,815
Liberty Mutual $4,093 $4,195 $4,373
Nationwide $3,882 $3,758 $3,859
Progressive $4,616 $4,915 $5,451
State Farm $2,892 $3,019 $3,155
Travelers $5,846 $6,146 $6,393
USAA $2,022 $2,092 $2,182

What affects car insurance rates in Horatio, Arkansas?

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

Commute Time in Horatio

The more time you spend in your car the higher the risk of an accident. The average commute length in Horatio, AR is 24.1 minutes according to City-Data.

Compare Car Insurance Quotes in Horatio, AR

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

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Average Monthly Car Insurance Rates by State