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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 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 provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • The cheapest car insurance company in Charlotte after a DUI is State Farm
  • The cheapest car insurance company in Charlotte for teen drivers is USAA
  • Average car insurance rates in Charlotte, AR for senior drivers are $2,181/year

Average car insurance rates in Charlotte, Arkansas are $347 a month. But with a little research you can get a great deal from the top car insurance companies in Charlotte, AR. Before you buy Charlotte, Arkansas car insurance, make sure your coverage meets or exceeds the Arkansas minimum of 25/50/25.

It may even be helpful to compare Charlotte car insurance rates with Conway car insurance rates, Rogers car insurance rates, or Jonesboro car insurance rates to make sure you’re getting the best Charlotte, AR car insurance quotes available.

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

Charlotte, AR Minimum Car Insurance Coverage

Charlotte, 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 Charlotte, 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

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

 Secured with SHA-256 Encryption

Charlotte, AR Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Charlotte, Arkansas

Insurance Company Low Medium High
Allstate $5,036 $5,166 $5,306
Farmers $4,197 $4,354 $4,637
GEICO $3,403 $3,535 $3,671
Liberty Mutual $3,798 $3,899 $4,073
Nationwide $4,022 $3,922 $4,073
Progressive $5,157 $5,512 $6,160
State Farm $2,736 $2,860 $2,992
Travelers $5,637 $5,934 $6,182
USAA $1,989 $2,069 $2,171

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Charlotte, 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 $2,943 $2,969 $2,616 $2,798 $10,561 $12,653 $3,262 $3,555
Farmers $2,392 $2,379 $2,138 $2,245 $9,990 $10,348 $2,756 $2,918
GEICO $2,606 $2,582 $2,408 $2,340 $6,591 $6,629 $2,550 $2,586
Liberty Mutual $2,329 $2,494 $2,208 $2,460 $7,977 $8,773 $2,511 $2,632
Nationwide $2,718 $2,768 $2,440 $2,578 $6,624 $8,442 $3,116 $3,360
Progressive $2,979 $2,824 $2,445 $2,561 $12,536 $14,126 $3,560 $3,848
State Farm $1,837 $1,837 $1,629 $1,629 $5,105 $6,439 $2,065 $2,361
Travelers $2,210 $2,252 $2,184 $2,189 $12,827 $20,582 $2,364 $2,735
USAA $1,284 $1,296 $1,192 $1,200 $4,009 $4,199 $1,650 $1,779

Charlotte, AR Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Charlotte, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,561 $12,653
Farmers $9,990 $10,348
GEICO $6,591 $6,629
Liberty Mutual $7,977 $8,773
Nationwide $6,624 $8,442
Progressive $12,536 $14,126
State Farm $5,105 $6,439
Travelers $12,827 $20,582
USAA $4,009 $4,199

Charlotte, AR Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Charlotte, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,616 $2,798
Farmers $2,138 $2,245
GEICO $2,408 $2,340
Liberty Mutual $2,208 $2,460
Nationwide $2,440 $2,578
Progressive $2,445 $2,561
State Farm $1,629 $1,629
Travelers $2,184 $2,189
USAA $1,192 $1,200

Charlotte, AR Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Charlotte, Arkansas

Insurance Company Poor Fair Good
Allstate $6,504 $4,971 $4,034
Farmers $5,008 $4,190 $3,990
GEICO $4,238 $3,481 $2,890
Liberty Mutual $5,679 $3,414 $2,677
Nationwide $4,733 $3,811 $3,473
Progressive $6,364 $5,423 $5,042
State Farm $4,148 $2,496 $1,943
Travelers $6,793 $5,666 $5,294
USAA $2,749 $1,878 $1,602

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

 Secured with SHA-256 Encryption

Charlotte, AR Car Insurance Rates by Driver History

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

Annual Charlotte, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,270 $5,362 $5,952 $5,095
Farmers $3,709 $4,759 $4,646 $4,469
GEICO $2,385 $3,677 $5,517 $2,566
Liberty Mutual $2,685 $4,336 $5,070 $3,601
Nationwide $3,114 $4,027 $5,453 $3,429
Progressive $4,835 $6,717 $5,082 $5,805
State Farm $2,640 $3,085 $2,862 $2,862
Travelers $4,959 $5,123 $7,498 $6,091
USAA $1,597 $2,023 $2,912 $1,772

Charlotte, AR Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Charlotte, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,952
Farmers $4,646
GEICO $5,517
Liberty Mutual $5,070
Nationwide $5,453
Progressive $5,082
State Farm $2,862
Travelers $7,498
USAA $2,912

Charlotte, AR Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Charlotte, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,170 $5,170
Farmers $4,396 $4,396
GEICO $3,516 $3,557
Liberty Mutual $3,923 $3,923
Nationwide $4,006 $4,006
Progressive $5,610 $5,610
State Farm $2,794 $2,931
Travelers $5,918 $5,918
USAA $2,017 $2,135

Charlotte, AR Cheapest Car Insurance Rates

How do the top Charlotte, Arkansas car insurance companies’ average rates stack up against the Charlotte average monthly car insurance rates of $347? Take a look and see.

Best Annual Car Insurance Rates by Company in Charlotte, 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

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

 Secured with SHA-256 Encryption

Charlotte, AR Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Charlotte, Arkansas

Insurance Company Average Annual Rates
Allstate $5,170
Farmers $4,396
GEICO $3,536
Liberty Mutual $3,923
Nationwide $4,006
Progressive $5,610
State Farm $2,862
Travelers $5,918
USAA $2,076

Other Factors Affecting Charlotte, AR Car Insurance Rates

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

Charlotte, AR Traffic

Spending time in Charlotte traffic can lead to higher car insurance rates. According to INRIX data, Charlotte, AR ranks as the 218th-most congested with traffic in the world.

Charlotte, AR Car Insurance Quotes

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