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

  • The cheapest car insurance company in Cave Springs for teen drivers is USAA
  • Average car insurance rates in Cave Springs, AR are $311/month
  • The cheapest car insurance company in Cave Springs after a DUI is State Farm

Average car insurance rates in Cave Springs, Arkansas are $311 a month. But with a little research you can get a great deal from the top car insurance companies in Cave Springs, AR. Before you buy Cave Springs, Arkansas car insurance, make sure your coverage meets or exceeds the Arkansas minimum of 25/50/25.

It may even be helpful to compare Cave Springs car insurance rates with Bentonville car insurance rates, Fayetteville car insurance rates, or Little Rock car insurance rates to make sure you’re getting the best Cave Springs, AR car insurance quotes available.

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

Cave Springs, AR Minimum Car Insurance Coverage

Cave Springs, 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 Cave Springs, 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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Cave Springs, AR Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cave Springs, Arkansas

Insurance Company Low Medium High
Allstate $4,637 $4,764 $4,900
Farmers $3,661 $3,824 $4,117
GEICO $2,749 $2,884 $3,023
Liberty Mutual $3,675 $3,780 $3,965
Nationwide $3,771 $3,672 $3,792
Progressive $4,271 $4,603 $5,181
State Farm $2,107 $2,233 $2,368
Travelers $5,243 $5,516 $5,747
USAA $2,012 $2,094 $2,198

Cave Springs, AR Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cave Springs, 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 $2,681 $2,694 $2,400 $2,564 $9,842 $11,811 $2,949 $3,196
Farmers $2,058 $2,041 $1,836 $1,939 $8,959 $9,268 $2,362 $2,475
GEICO $2,043 $2,012 $1,878 $1,825 $5,627 $5,611 $2,028 $2,057
Liberty Mutual $2,121 $2,264 $2,053 $2,290 $8,112 $8,928 $2,296 $2,388
Nationwide $2,533 $2,577 $2,279 $2,401 $6,227 $7,903 $2,910 $3,130
Progressive $2,422 $2,276 $1,996 $2,093 $10,676 $11,995 $2,893 $3,128
State Farm $1,372 $1,372 $1,244 $1,244 $4,142 $5,189 $1,548 $1,779
Travelers $2,010 $2,044 $2,011 $2,011 $12,028 $19,276 $2,166 $2,470
USAA $1,286 $1,293 $1,199 $1,198 $4,118 $4,298 $1,649 $1,770

Cave Springs, AR Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Cave Springs, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,842 $11,811
Farmers $8,959 $9,268
GEICO $5,627 $5,611
Liberty Mutual $8,112 $8,928
Nationwide $6,227 $7,903
Progressive $10,676 $11,995
State Farm $4,142 $5,189
Travelers $12,028 $19,276
USAA $4,118 $4,298

Cave Springs, AR Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Cave Springs, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,400 $2,564
Farmers $1,836 $1,939
GEICO $1,878 $1,825
Liberty Mutual $2,053 $2,290
Nationwide $2,279 $2,401
Progressive $1,996 $2,093
State Farm $1,244 $1,244
Travelers $2,011 $2,011
USAA $1,199 $1,198

Cave Springs, AR Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Cave Springs, Arkansas

Insurance Company Poor Fair Good
Allstate $5,980 $4,593 $3,728
Farmers $4,389 $3,695 $3,518
GEICO $3,454 $2,844 $2,357
Liberty Mutual $5,479 $3,334 $2,607
Nationwide $4,424 $3,563 $3,248
Progressive $5,283 $4,539 $4,233
State Farm $3,234 $1,952 $1,522
Travelers $6,300 $5,273 $4,932
USAA $2,775 $1,903 $1,626

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Cave Springs, AR Car Insurance Rates by Driver History

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

Annual Cave Springs, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,924 $4,942 $5,503 $4,698
Farmers $3,262 $4,196 $4,101 $3,910
GEICO $1,976 $3,006 $4,432 $2,127
Liberty Mutual $2,567 $4,232 $4,956 $3,472
Nationwide $2,925 $3,765 $5,075 $3,215
Progressive $4,031 $5,639 $4,241 $4,829
State Farm $2,040 $2,432 $2,236 $2,236
Travelers $4,604 $4,755 $6,996 $5,652
USAA $1,612 $2,050 $2,955 $1,789

Cave Springs, AR Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Cave Springs, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,503
Farmers $4,101
GEICO $4,432
Liberty Mutual $4,956
Nationwide $5,075
Progressive $4,241
State Farm $2,236
Travelers $6,996
USAA $2,955

Cave Springs, AR Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Cave Springs, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,767 $4,767
Farmers $3,867 $3,867
GEICO $2,860 $2,910
Liberty Mutual $3,807 $3,807
Nationwide $3,745 $3,745
Progressive $4,685 $4,685
State Farm $2,182 $2,291
Travelers $5,502 $5,502
USAA $2,043 $2,160

Cave Springs, AR Cheapest Car Insurance Rates

How do the top Cave Springs, Arkansas car insurance companies’ average rates stack up against the Cave Springs average monthly car insurance rates of $311? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Cave Springs, Arkansas

Insurance Company Average Annual Rates
Allstate $4,767
Farmers $3,867
GEICO $2,885
Liberty Mutual $3,807
Nationwide $3,745
Progressive $4,685
State Farm $2,236
Travelers $5,502
USAA $2,101

Other Factors Affecting Cave Springs, AR Car Insurance Rates

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

Cave Springs, AR Commute Time

How does your Cave Springs, AR commute time compare with the average driver? In Cave Springs, the average commute is 20.7 minutes.

Cave Springs, AR Car Insurance Quotes

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