Compare Melbourne, AR Car Insurance Rates (2021)

Car insurance in Melbourne, AR averages $351 a month. Melbourne, Arkansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Melbourne car insurance rates, compare quotes from the top car insurance companies in Melbourne, 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 Melbourne for teen drivers is USAA
  • Average car insurance rates in Melbourne, AR after a DUI are $5,040/year
  • Average car insurance rates in Melbourne, AR are $4,210/year

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

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

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

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

How do age, gender, and marital status affect Melbourne, AR car insurance rates? Every Melbourne, 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 Melbourne, 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 $2,934 $2,960 $2,607 $2,790 $10,552 $12,644 $3,253 $3,546
Farmers $2,488 $2,481 $2,228 $2,335 $10,147 $10,522 $2,851 $3,017
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 $3,098 $2,949 $2,542 $2,653 $12,869 $14,514 $3,715 $4,028
State Farm $1,932 $1,932 $1,704 $1,704 $5,251 $6,633 $2,170 $2,478
Travelers $2,231 $2,275 $2,195 $2,203 $12,826 $20,596 $2,381 $2,767
USAA $1,270 $1,283 $1,179 $1,188 $3,960 $4,148 $1,633 $1,761

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Minimum Car Insurance in Melbourne, AR

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

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

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

Annual Car Insurance Rates by Credit Score in Melbourne, Arkansas

Insurance Company Poor Fair Good
Allstate $6,490 $4,963 $4,029
Farmers $5,141 $4,294 $4,092
GEICO $4,238 $3,481 $2,890
Liberty Mutual $5,679 $3,414 $2,677
Nationwide $4,733 $3,811 $3,473
Progressive $6,590 $5,598 $5,200
State Farm $4,313 $2,595 $2,019
Travelers $6,816 $5,680 $5,307
USAA $2,718 $1,857 $1,583

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

Annual Melbourne, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,261 $5,353 $5,943 $5,086
Farmers $3,815 $4,877 $4,762 $4,581
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 $4,998 $6,931 $5,248 $6,007
State Farm $2,752 $3,199 $2,976 $2,976
Travelers $4,975 $5,141 $7,510 $6,110
USAA $1,580 $2,000 $2,879 $1,752

Cheapest Melbourne, AR Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Melbourne, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,552 $12,644
Farmers $10,147 $10,522
GEICO $6,591 $6,629
Liberty Mutual $7,977 $8,773
Nationwide $6,624 $8,442
Progressive $12,869 $14,514
State Farm $5,251 $6,633
Travelers $12,826 $20,596
USAA $3,960 $4,148

Cheapest Melbourne, AR Car Insurance for Seniors

Take a look at Melbourne, 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 Melbourne, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,607 $2,790
Farmers $2,228 $2,335
GEICO $2,408 $2,340
Liberty Mutual $2,208 $2,460
Nationwide $2,440 $2,578
Progressive $2,542 $2,653
State Farm $1,704 $1,704
Travelers $2,195 $2,203
USAA $1,179 $1,188

Cheapest Melbourne, AR Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Melbourne, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,943
Farmers $4,762
GEICO $5,517
Liberty Mutual $5,070
Nationwide $5,453
Progressive $5,248
State Farm $2,976
Travelers $7,510
USAA $2,879

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Cheapest Melbourne, AR Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Melbourne, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,161 $5,161
Farmers $4,509 $4,509
GEICO $3,516 $3,557
Liberty Mutual $3,923 $3,923
Nationwide $4,006 $4,006
Progressive $5,796 $5,796
State Farm $2,905 $3,046
Travelers $5,934 $5,934
USAA $1,994 $2,111

The Best Cheap Car Insurance Companies in Melbourne, AR

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

Average Annual Car Insurance Rates by Company in Melbourne, Arkansas

Insurance Company Average Annual Rates
Allstate $5,161
Farmers $4,509
GEICO $3,536
Liberty Mutual $3,923
Nationwide $4,006
Progressive $5,796
State Farm $2,976
Travelers $5,934
USAA $2,053

Category Winners: Cheapest Car Insurance in Melbourne, Arkansas

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

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

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

Annual Car Insurance Rates by Coverage Level in Melbourne, Arkansas

Insurance Company Low Medium High
Allstate $5,030 $5,158 $5,294
Farmers $4,306 $4,466 $4,754
GEICO $3,403 $3,535 $3,671
Liberty Mutual $3,798 $3,899 $4,073
Nationwide $4,022 $3,922 $4,073
Progressive $5,405 $5,718 $6,266
State Farm $2,855 $2,973 $3,099
Travelers $5,655 $5,951 $6,197
USAA $1,966 $2,045 $2,147

What affects car insurance rates in Melbourne, Arkansas?

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

Commute Time in Melbourne

The more time you spend in your car the higher the risk of an accident. The average commute length in Melbourne, AR is 13.9 minutes according to City-Data.

Traffic in Melbourne

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Melbourne, AR traffic data from INRIX ranks Melbourne as the 53rd-most congested in the world.

Compare Car Insurance Quotes in Melbourne, AR

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

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Average Monthly Car Insurance Rates by State