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 Cotter after a DUI is State Farm
  • The cheapest car insurance company in Cotter for teen drivers is USAA
  • Average car insurance rates in Cotter, AR for senior drivers are $1,935/year

Average car insurance rates in Cotter, Arkansas are $306 a month. But with a little research you can get a great deal from the top car insurance companies in Cotter, AR. Before you buy Cotter, Arkansas car insurance, make sure your coverage meets or exceeds the Arkansas minimum of 25/50/25.

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

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

Cotter, AR Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Cotter, Arkansas

Insurance Company Low Medium High
Allstate $4,405 $4,517 $4,637
Farmers $3,783 $3,924 $4,174
GEICO $3,089 $3,209 $3,331
Liberty Mutual $3,463 $3,563 $3,734
Nationwide $3,614 $3,513 $3,623
Progressive $4,297 $4,568 $5,049
State Farm $2,329 $2,436 $2,553
Travelers $4,891 $5,133 $5,331
USAA $1,948 $2,021 $2,116

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cotter, 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 $2,612 $2,642 $2,322 $2,483 $9,138 $10,907 $2,899 $3,155
Farmers $2,163 $2,149 $1,936 $2,034 $8,989 $9,293 $2,489 $2,630
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 $2,467 $2,340 $2,023 $2,120 $10,358 $11,660 $2,949 $3,186
State Farm $1,560 $1,560 $1,387 $1,387 $4,362 $5,492 $1,754 $2,009
Travelers $1,926 $1,963 $1,901 $1,906 $11,074 $17,734 $2,059 $2,385
USAA $1,259 $1,272 $1,167 $1,176 $3,902 $4,090 $1,616 $1,744

Cotter, AR Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Cotter, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,138 $10,907
Farmers $8,989 $9,293
GEICO $6,083 $6,098
Liberty Mutual $7,413 $8,150
Nationwide $5,888 $7,499
Progressive $10,358 $11,660
State Farm $4,362 $5,492
Travelers $11,074 $17,734
USAA $3,902 $4,090

Cotter, AR Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Cotter, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,322 $2,483
Farmers $1,936 $2,034
GEICO $2,150 $2,090
Liberty Mutual $1,999 $2,228
Nationwide $2,200 $2,325
Progressive $2,023 $2,120
State Farm $1,387 $1,387
Travelers $1,901 $1,906
USAA $1,167 $1,176

Cotter, AR Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Cotter, Arkansas

Insurance Company Poor Fair Good
Allstate $5,680 $4,346 $3,533
Farmers $4,513 $3,774 $3,594
GEICO $3,845 $3,161 $2,622
Liberty Mutual $5,176 $3,131 $2,453
Nationwide $4,238 $3,407 $3,105
Progressive $5,266 $4,483 $4,165
State Farm $3,530 $2,128 $1,659
Travelers $5,875 $4,901 $4,580
USAA $2,687 $1,834 $1,563

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Cotter, AR Car Insurance Rates by Driver History

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

Annual Cotter, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,756 $4,691 $5,178 $4,453
Farmers $3,341 $4,289 $4,187 $4,025
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 $3,999 $5,551 $4,202 $4,800
State Farm $2,247 $2,631 $2,439 $2,439
Travelers $4,291 $4,433 $6,482 $5,268
USAA $1,562 $1,974 $2,845 $1,732

Cotter, AR Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Cotter, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,178
Farmers $4,187
GEICO $4,978
Liberty Mutual $4,645
Nationwide $4,865
Progressive $4,202
State Farm $2,439
Travelers $6,482
USAA $2,845

Cotter, AR Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Cotter, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,520 $4,520
Farmers $3,960 $3,960
GEICO $3,187 $3,232
Liberty Mutual $3,587 $3,587
Nationwide $3,583 $3,583
Progressive $4,638 $4,638
State Farm $2,382 $2,497
Travelers $5,118 $5,118
USAA $1,971 $2,086

Cotter, AR Cheapest Car Insurance Rates

How do the top Cotter, Arkansas car insurance companies’ average rates stack up against the Cotter average monthly car insurance rates of $306? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Cotter, Arkansas

Insurance Company Average Annual Rates
Allstate $4,520
Farmers $3,960
GEICO $3,209
Liberty Mutual $3,587
Nationwide $3,583
Progressive $4,638
State Farm $2,439
Travelers $5,119
USAA $2,028

Other Factors Affecting Cotter, AR Car Insurance Rates

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

Cotter, AR Commute Time

How does your Cotter, AR commute time compare with the average driver? In Cotter, the average commute is 14.2 minutes.

Cotter, AR Car Insurance Quotes

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