Compare Royal, AR Car Insurance Rates (2021)

Car insurance in Royal, AR averages $364 a month. Royal, Arkansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Royal car insurance rates, compare quotes from the top car insurance companies in Royal, 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 Royal, AR are $4,372/year
  • Average car insurance rates in Royal, AR after a DUI are $5,243/year
  • The cheapest car insurance company in Royal for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Royal, AR car insurance rates? Every Royal, 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 Royal, 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 $2,955 $2,960 $2,648 $2,830 $11,167 $13,442 $3,242 $3,511
Farmers $2,481 $2,464 $2,211 $2,333 $10,757 $11,154 $2,835 $2,965
GEICO $2,641 $2,604 $2,429 $2,361 $7,174 $7,166 $2,616 $2,653
Liberty Mutual $2,462 $2,637 $2,330 $2,596 $8,693 $9,570 $2,669 $2,804
Nationwide $2,837 $2,888 $2,546 $2,687 $7,012 $8,924 $3,263 $3,516
Progressive $3,075 $2,895 $2,535 $2,651 $13,547 $15,248 $3,684 $4,002
State Farm $1,855 $1,855 $1,673 $1,673 $5,559 $6,972 $2,095 $2,411
Travelers $2,269 $2,309 $2,259 $2,263 $13,584 $21,880 $2,437 $2,783
USAA $1,260 $1,274 $1,166 $1,177 $3,886 $4,077 $1,619 $1,748

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Minimum Car Insurance in Royal, AR

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

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

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

Annual Car Insurance Rates by Credit Score in Royal, Arkansas

Insurance Company Poor Fair Good
Allstate $6,707 $5,151 $4,175
Farmers $5,270 $4,445 $4,235
GEICO $4,437 $3,652 $3,028
Liberty Mutual $6,104 $3,677 $2,880
Nationwide $4,979 $4,003 $3,645
Progressive $6,716 $5,767 $5,380
State Farm $4,365 $2,626 $2,043
Travelers $7,130 $5,963 $5,576
USAA $2,687 $1,831 $1,560

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

Annual Royal, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,374 $5,544 $6,193 $5,266
Farmers $3,932 $5,041 $4,934 $4,692
GEICO $2,527 $3,859 $5,717 $2,719
Liberty Mutual $2,875 $4,670 $5,469 $3,867
Nationwide $3,273 $4,231 $5,729 $3,604
Progressive $5,122 $7,170 $5,386 $6,141
State Farm $2,751 $3,272 $3,012 $3,012
Travelers $5,210 $5,382 $7,906 $6,394
USAA $1,561 $1,971 $2,842 $1,731

Cheapest Royal, AR Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Royal, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,167 $13,442
Farmers $10,757 $11,154
GEICO $7,174 $7,166
Liberty Mutual $8,693 $9,570
Nationwide $7,012 $8,924
Progressive $13,547 $15,248
State Farm $5,559 $6,972
Travelers $13,584 $21,880
USAA $3,886 $4,077

Cheapest Royal, AR Car Insurance for Seniors

Take a look at Royal, 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 Royal, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,648 $2,830
Farmers $2,211 $2,333
GEICO $2,429 $2,361
Liberty Mutual $2,330 $2,596
Nationwide $2,546 $2,687
Progressive $2,535 $2,651
State Farm $1,673 $1,673
Travelers $2,259 $2,263
USAA $1,166 $1,177

Cheapest Royal, AR Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Royal, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,193
Farmers $4,934
GEICO $5,717
Liberty Mutual $5,469
Nationwide $5,729
Progressive $5,386
State Farm $3,012
Travelers $7,906
USAA $2,842

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Cheapest Royal, AR Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Royal, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,344 $5,344
Farmers $4,650 $4,650
GEICO $3,675 $3,736
Liberty Mutual $4,220 $4,220
Nationwide $4,209 $4,209
Progressive $5,955 $5,955
State Farm $2,939 $3,085
Travelers $6,223 $6,223
USAA $1,968 $2,084

The Best Cheap Car Insurance Companies in Royal, AR

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

Average Annual Car Insurance Rates by Company in Royal, Arkansas

Insurance Company Average Annual Rates
Allstate $5,344
Farmers $4,650
GEICO $3,706
Liberty Mutual $4,220
Nationwide $4,209
Progressive $5,955
State Farm $3,012
Travelers $6,223
USAA $2,026

Category Winners: Cheapest Car Insurance in Royal, Arkansas

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

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

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

Annual Car Insurance Rates by Coverage Level in Royal, Arkansas

Insurance Company Low Medium High
Allstate $5,183 $5,342 $5,508
Farmers $4,401 $4,597 $4,952
GEICO $3,547 $3,704 $3,865
Liberty Mutual $4,093 $4,195 $4,373
Nationwide $4,227 $4,121 $4,280
Progressive $5,450 $5,853 $6,561
State Farm $2,854 $3,010 $3,171
Travelers $5,896 $6,239 $6,533
USAA $1,947 $2,019 $2,112

Compare Car Insurance Quotes in Royal, AR

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Average Monthly Car Insurance Rates by State