Compare Stephens, AR Car Insurance Rates (2021)

Car insurance in Stephens, AR averages $349 a month. Stephens, Arkansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Stephens car insurance rates, compare quotes from the top car insurance companies in Stephens, AR.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Stephens for teen drivers is USAA
  • Average car insurance rates in Stephens, AR after a DUI are $5,046/year
  • The cheapest car insurance company in Stephens is USAA

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

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

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

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

How do age, gender, and marital status affect Stephens, AR car insurance rates? Every Stephens, 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 Stephens, 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 $3,025 $3,073 $2,669 $2,863 $10,505 $12,510 $3,386 $3,699
Farmers $2,628 $2,617 $2,354 $2,464 $10,621 $11,002 $3,019 $3,204
GEICO $2,750 $2,731 $2,547 $2,475 $6,742 $6,800 $2,677 $2,714
Liberty Mutual $2,453 $2,631 $2,316 $2,583 $8,242 $9,071 $2,645 $2,778
Nationwide $2,641 $2,703 $2,364 $2,513 $6,216 $7,979 $3,000 $3,248
Progressive $2,780 $2,659 $2,282 $2,373 $11,183 $12,626 $3,331 $3,598
State Farm $1,817 $1,817 $1,610 $1,610 $5,036 $6,350 $2,043 $2,337
Travelers $2,281 $2,330 $2,220 $2,232 $12,711 $20,335 $2,423 $2,857
USAA $1,421 $1,437 $1,314 $1,327 $4,446 $4,665 $1,835 $1,983

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Stephens, AR

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

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

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

Annual Car Insurance Rates by Credit Score in Stephens, Arkansas

Insurance Company Poor Fair Good
Allstate $6,569 $5,011 $4,068
Farmers $5,407 $4,511 $4,298
GEICO $4,411 $3,620 $3,007
Liberty Mutual $5,925 $3,555 $2,789
Nationwide $4,545 $3,642 $3,312
Progressive $5,825 $4,924 $4,563
State Farm $4,097 $2,466 $1,920
Travelers $6,815 $5,666 $5,290
USAA $3,059 $2,081 $1,771

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

Annual Stephens, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,346 $5,422 $5,960 $5,137
Farmers $4,006 $5,122 $5,001 $4,825
GEICO $2,472 $3,823 $5,763 $2,660
Liberty Mutual $2,810 $4,514 $5,277 $3,758
Nationwide $2,966 $3,853 $5,241 $3,273
Progressive $4,410 $6,078 $4,628 $5,300
State Farm $2,609 $3,047 $2,828 $2,828
Travelers $4,972 $5,137 $7,478 $6,106
USAA $1,769 $2,241 $3,240 $1,964

Cheapest Stephens, AR Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Stephens, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,505 $12,510
Farmers $10,621 $11,002
GEICO $6,742 $6,800
Liberty Mutual $8,242 $9,071
Nationwide $6,216 $7,979
Progressive $11,183 $12,626
State Farm $5,036 $6,350
Travelers $12,711 $20,335
USAA $4,446 $4,665

Cheapest Stephens, AR Car Insurance for Seniors

Take a look at Stephens, 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 Stephens, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,669 $2,863
Farmers $2,354 $2,464
GEICO $2,547 $2,475
Liberty Mutual $2,316 $2,583
Nationwide $2,364 $2,513
Progressive $2,282 $2,373
State Farm $1,610 $1,610
Travelers $2,220 $2,232
USAA $1,314 $1,327

Cheapest Stephens, AR Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Stephens, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,960
Farmers $5,001
GEICO $5,763
Liberty Mutual $5,277
Nationwide $5,241
Progressive $4,628
State Farm $2,828
Travelers $7,478
USAA $3,240

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Stephens, AR Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Stephens, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,216 $5,216
Farmers $4,739 $4,739
GEICO $3,661 $3,698
Liberty Mutual $4,090 $4,090
Nationwide $3,833 $3,833
Progressive $5,104 $5,104
State Farm $2,761 $2,895
Travelers $5,923 $5,923
USAA $2,237 $2,370

The Best Cheap Car Insurance Companies in Stephens, AR

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

Average Annual Car Insurance Rates by Company in Stephens, Arkansas

Insurance Company Average Annual Rates
Allstate $5,216
Farmers $4,739
GEICO $3,679
Liberty Mutual $4,090
Nationwide $3,833
Progressive $5,104
State Farm $2,828
Travelers $5,923
USAA $2,303

Category Winners: Cheapest Car Insurance in Stephens, Arkansas

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

Best Annual Car Insurance Rates by Company in Stephens, 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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Stephens, AR Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Stephens, Arkansas

Insurance Company Low Medium High
Allstate $5,095 $5,214 $5,340
Farmers $4,547 $4,699 $4,971
GEICO $3,545 $3,679 $3,815
Liberty Mutual $3,957 $4,064 $4,249
Nationwide $3,882 $3,758 $3,859
Progressive $4,758 $5,034 $5,520
State Farm $2,706 $2,825 $2,952
Travelers $5,695 $5,942 $6,133
USAA $2,214 $2,296 $2,401

What affects car insurance rates in Stephens, Arkansas?

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

Commute Time in Stephens

The more time you spend in your car the higher the risk of an accident. The average commute length in Stephens, AR is 28.7 minutes according to City-Data.

Compare Car Insurance Quotes in Stephens, AR

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State