Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in Alpena, AR for senior drivers are $2,026/year
  • The cheapest car insurance company in Alpena after a DUI is State Farm
  • Average car insurance rates in Alpena, AR are $324/month

Average car insurance rates in Alpena, Arkansas are $324 a month. But with a little research you can get a great deal from the top car insurance companies in Alpena, AR. Before you buy Alpena, Arkansas car insurance, make sure your coverage meets or exceeds the Arkansas minimum of 25/50/25.

It may even be helpful to compare Alpena car insurance rates with Fayetteville car insurance rates, Fort Smith car insurance rates, or Bentonville car insurance rates to make sure you’re getting the best Alpena, AR car insurance quotes available.

Need affordable Alpena, AR car insurance? Enter your ZIP code to compare Alpena car insurance quotes from multiple car insurance companies near you.

Alpena, AR Minimum Car Insurance Coverage

Alpena, Arkansas law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Alpena, 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

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Alpena, AR Car Insurance Rates by Coverage Level

Some Alpena drivers can get by with the Arkansas minimum coverage of 25/50/25. Other drivers may need more. See how much your Alpena, Arkansas car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Alpena, Arkansas

Insurance Company Low Medium High
Allstate $4,873 $4,984 $5,105
Farmers $4,200 $4,365 $4,661
GEICO $3,089 $3,209 $3,331
Liberty Mutual $3,463 $3,563 $3,734
Nationwide $3,614 $3,513 $3,623
Progressive $4,879 $5,208 $5,811
State Farm $2,351 $2,463 $2,585
Travelers $5,197 $5,458 $5,673
USAA $1,975 $2,051 $2,149

Alpena, AR Car Insurance Rates by Age, Gender, and Marital Status

Alpena, Arkansas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Alpena, AR car insurance, get quotes from multiple car insurance companies in the Alpena area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Alpena, 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 $2,851 $2,879 $2,533 $2,709 $10,157 $12,157 $3,163 $3,449
Farmers $2,375 $2,359 $2,121 $2,231 $10,098 $10,455 $2,738 $2,891
GEICO $2,331 $2,305 $2,150 $2,090 $6,083 $6,098 $2,293 $2,325
Liberty Mutual $2,084 $2,229 $1,999 $2,228 $7,413 $8,150 $2,247 $2,344
Nationwide $2,448 $2,496 $2,200 $2,325 $5,888 $7,499 $2,797 $3,014
Progressive $2,781 $2,630 $2,281 $2,393 $11,934 $13,441 $3,326 $3,609
State Farm $1,563 $1,563 $1,395 $1,395 $4,447 $5,591 $1,759 $2,018
Travelers $2,032 $2,069 $2,016 $2,018 $11,815 $18,901 $2,178 $2,515
USAA $1,277 $1,291 $1,183 $1,194 $3,959 $4,151 $1,642 $1,772

Alpena, AR Car Insurance Rates for Teens

How much is Alpena, Arkansas car insurance for teens? Compare rates from top Alpena car insurance companies below to help find the cheapest teen car insurance in Alpena, AR.

Annual Car Insurance Rates for Teen Drivers in Alpena, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,157 $12,157
Farmers $10,098 $10,455
GEICO $6,083 $6,098
Liberty Mutual $7,413 $8,150
Nationwide $5,888 $7,499
Progressive $11,934 $13,441
State Farm $4,447 $5,591
Travelers $11,815 $18,901
USAA $3,959 $4,151

Alpena, AR Car Insurance Rates for Seniors

Before seniors buy Alpena, Arkansas car insurance, they should make sure to shop around. Some Alpena, AR car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Alpena, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,533 $2,709
Farmers $2,121 $2,231
GEICO $2,150 $2,090
Liberty Mutual $1,999 $2,228
Nationwide $2,200 $2,325
Progressive $2,281 $2,393
State Farm $1,395 $1,395
Travelers $2,016 $2,018
USAA $1,183 $1,194

Alpena, AR Car Insurance Rates by Credit History

How does your credit history affect Alpena, AR car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Alpena, Arkansas

Insurance Company Poor Fair Good
Allstate $6,269 $4,797 $3,895
Farmers $5,015 $4,206 $4,005
GEICO $3,845 $3,161 $2,622
Liberty Mutual $5,176 $3,131 $2,453
Nationwide $4,238 $3,407 $3,105
Progressive $6,000 $5,127 $4,771
State Farm $3,570 $2,152 $1,677
Travelers $6,246 $5,212 $4,871
USAA $2,729 $1,861 $1,586

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Alpena, AR Car Insurance Rates by Driver History

How does a single speeding ticket affect your Alpena, Arkansas car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Alpena.

Annual Alpena, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,126 $5,170 $5,737 $4,916
Farmers $3,717 $4,776 $4,665 $4,476
GEICO $2,177 $3,340 $4,978 $2,343
Liberty Mutual $2,444 $3,973 $4,645 $3,285
Nationwide $2,794 $3,602 $4,865 $3,073
Progressive $4,563 $6,360 $4,797 $5,477
State Farm $2,267 $2,665 $2,466 $2,466
Travelers $4,559 $4,710 $6,901 $5,602
USAA $1,585 $2,004 $2,887 $1,758

Alpena, AR Car Insurance Rates With a DUI

Even a single DUI can increase your Alpena, AR car insurance rates. Compare rates below to see which Alpena car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Alpena, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,737
Farmers $4,665
GEICO $4,978
Liberty Mutual $4,645
Nationwide $4,865
Progressive $4,797
State Farm $2,466
Travelers $6,901
USAA $2,887

Alpena, AR Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Alpena, AR car insurance rates may be. Let’s take a look at average car insurance rates from top Alpena companies based on commute time.

Annual Car Insurance Rates by Commute Length in Alpena, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,987 $4,987
Farmers $4,409 $4,409
GEICO $3,187 $3,232
Liberty Mutual $3,587 $3,587
Nationwide $3,583 $3,583
Progressive $5,299 $5,299
State Farm $2,408 $2,524
Travelers $5,443 $5,443
USAA $2,000 $2,117

Alpena, AR Cheapest Car Insurance Rates

How do the top Alpena, Arkansas car insurance companies’ average rates stack up against the Alpena average monthly car insurance rates of $324? Take a look and see.

Best Annual Car Insurance Rates by Company in Alpena, 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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Alpena, AR Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Alpena, Arkansas car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Alpena, Arkansas

Insurance Company Average Annual Rates
Allstate $4,987
Farmers $4,409
GEICO $3,209
Liberty Mutual $3,587
Nationwide $3,583
Progressive $5,299
State Farm $2,466
Travelers $5,443
USAA $2,059

Other Factors Affecting Alpena, AR Car Insurance Rates

Before you buy Alpena, Arkansas car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Alpena, AR Commute Time

How does your Alpena, AR commute time compare with the average driver? In Alpena, the average commute is 19.8 minutes.

Alpena, AR Car Insurance Quotes

Compare Alpena, AR car insurance quotes from multiple companies by entering your ZIP code now.