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 Charleston, AR are $319/month
  • The cheapest car insurance company in Charleston after a DUI is State Farm
  • Average car insurance rates in Charleston, AR for senior drivers are $1,985/year

Average car insurance rates in Charleston, Arkansas are $319 a month. But with a little research you can get a great deal from the top car insurance companies in Charleston, AR. Before you buy Charleston, Arkansas car insurance, make sure your coverage meets or exceeds the Arkansas minimum of 25/50/25.

It may even be helpful to compare Charleston car insurance rates with Fort Smith car insurance rates, Pine Bluff car insurance rates, or Hot Springs car insurance rates to make sure you’re getting the best Charleston, AR car insurance quotes available.

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

Charleston, AR Minimum Car Insurance Coverage

Charleston, 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 Charleston, 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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Charleston, AR Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Charleston, Arkansas

Insurance Company Low Medium High
Allstate $4,300 $4,422 $4,553
Farmers $4,103 $4,269 $4,567
GEICO $3,146 $3,277 $3,409
Liberty Mutual $3,721 $3,829 $4,022
Nationwide $3,614 $3,513 $3,623
Progressive $4,517 $4,830 $5,377
State Farm $2,377 $2,520 $2,671
Travelers $5,267 $5,542 $5,772
USAA $1,941 $2,031 $2,146

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Charleston, 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 $2,513 $2,529 $2,249 $2,402 $9,073 $10,870 $2,767 $2,998
Farmers $2,324 $2,307 $2,075 $2,184 $9,896 $10,247 $2,667 $2,804
GEICO $2,380 $2,353 $2,195 $2,134 $6,214 $6,228 $2,341 $2,374
Liberty Mutual $2,168 $2,317 $2,093 $2,335 $8,162 $8,987 $2,349 $2,449
Nationwide $2,448 $2,496 $2,200 $2,325 $5,888 $7,499 $2,797 $3,014
Progressive $2,585 $2,444 $2,126 $2,225 $11,035 $12,416 $3,091 $3,340
State Farm $1,545 $1,545 $1,401 $1,401 $4,678 $5,865 $1,745 $2,003
Travelers $2,045 $2,083 $2,026 $2,031 $12,015 $19,302 $2,193 $2,521
USAA $1,243 $1,249 $1,163 $1,160 $4,016 $4,182 $1,595 $1,708

Charleston, AR Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Charleston, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,073 $10,870
Farmers $9,896 $10,247
GEICO $6,214 $6,228
Liberty Mutual $8,162 $8,987
Nationwide $5,888 $7,499
Progressive $11,035 $12,416
State Farm $4,678 $5,865
Travelers $12,015 $19,302
USAA $4,016 $4,182

Charleston, AR Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Charleston, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,249 $2,402
Farmers $2,075 $2,184
GEICO $2,195 $2,134
Liberty Mutual $2,093 $2,335
Nationwide $2,200 $2,325
Progressive $2,126 $2,225
State Farm $1,401 $1,401
Travelers $2,026 $2,031
USAA $1,163 $1,160

Charleston, AR Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Charleston, Arkansas

Insurance Company Poor Fair Good
Allstate $5,551 $4,262 $3,463
Farmers $4,899 $4,118 $3,922
GEICO $3,926 $3,228 $2,678
Liberty Mutual $5,558 $3,375 $2,640
Nationwide $4,238 $3,407 $3,105
Progressive $5,558 $4,748 $4,418
State Farm $3,652 $2,201 $1,715
Travelers $6,336 $5,295 $4,951
USAA $2,686 $1,849 $1,582

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Charleston, AR Car Insurance Rates by Driver History

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

Annual Charleston, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,654 $4,589 $5,096 $4,361
Farmers $3,642 $4,672 $4,569 $4,368
GEICO $2,224 $3,411 $5,082 $2,393
Liberty Mutual $2,607 $4,284 $5,017 $3,521
Nationwide $2,794 $3,602 $4,865 $3,073
Progressive $4,229 $5,886 $4,445 $5,072
State Farm $2,301 $2,744 $2,523 $2,523
Travelers $4,632 $4,784 $7,012 $5,680
USAA $1,565 $1,993 $2,864 $1,736

Charleston, AR Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Charleston, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,096
Farmers $4,569
GEICO $5,082
Liberty Mutual $5,017
Nationwide $4,865
Progressive $4,445
State Farm $2,523
Travelers $7,012
USAA $2,864

Charleston, AR Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Charleston, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,425 $4,425
Farmers $4,313 $4,313
GEICO $3,255 $3,300
Liberty Mutual $3,857 $3,857
Nationwide $3,583 $3,583
Progressive $4,908 $4,908
State Farm $2,461 $2,585
Travelers $5,527 $5,527
USAA $1,982 $2,097

Charleston, AR Cheapest Car Insurance Rates

How do the top Charleston, Arkansas car insurance companies’ average rates stack up against the Charleston average monthly car insurance rates of $319? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Charleston, Arkansas

Insurance Company Average Annual Rates
Allstate $4,425
Farmers $4,313
GEICO $3,277
Liberty Mutual $3,857
Nationwide $3,583
Progressive $4,908
State Farm $2,523
Travelers $5,527
USAA $2,039

Other Factors Affecting Charleston, AR Car Insurance Rates

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

Charleston, AR Commute Time

How does your Charleston, AR commute time compare with the average driver? In Charleston, the average commute is 25.1 minutes.

Charleston, AR Traffic

Spending time in Charleston traffic can lead to higher car insurance rates. According to INRIX data, Charleston, AR ranks as the 649th-most congested with traffic in the world.

Charleston, AR Car Insurance Quotes

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