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 Horatio, AR for senior drivers are $2,205/year
  • Average car insurance rates in Horatio, AR are $349/month
  • The cheapest car insurance company in Horatio for teen drivers is USAA

Average car insurance rates in Horatio, Arkansas are $349 a month. But with a little research you can get a great deal from the top car insurance companies in Horatio, AR. Before you buy Horatio, Arkansas car insurance, make sure your coverage meets or exceeds the Arkansas minimum of 25/50/25.

It may even be helpful to compare Horatio car insurance rates with Pine Bluff car insurance rates, Bentonville car insurance rates, or Rogers car insurance rates to make sure you’re getting the best Horatio, AR car insurance quotes available.

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

Horatio, AR Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Horatio, Arkansas

Insurance Company Low Medium High
Allstate $5,307 $5,426 $5,551
Farmers $4,060 $4,222 $4,513
GEICO $3,545 $3,679 $3,815
Liberty Mutual $4,093 $4,195 $4,373
Nationwide $3,882 $3,758 $3,859
Progressive $4,616 $4,915 $5,451
State Farm $2,892 $3,019 $3,155
Travelers $5,846 $6,146 $6,393
USAA $2,022 $2,092 $2,182

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Horatio, 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 $3,149 $3,200 $2,774 $2,977 $10,925 $13,011 $3,529 $3,860
Farmers $2,329 $2,319 $2,082 $2,188 $9,685 $10,039 $2,667 $2,812
GEICO $2,750 $2,731 $2,547 $2,475 $6,742 $6,800 $2,677 $2,714
Liberty Mutual $2,462 $2,637 $2,330 $2,596 $8,693 $9,570 $2,669 $2,804
Nationwide $2,641 $2,703 $2,364 $2,513 $6,216 $7,979 $3,000 $3,248
Progressive $2,656 $2,522 $2,181 $2,279 $11,139 $12,554 $3,179 $3,441
State Farm $1,929 $1,929 $1,713 $1,713 $5,415 $6,820 $2,170 $2,489
Travelers $2,318 $2,366 $2,269 $2,280 $13,212 $21,234 $2,468 $2,881
USAA $1,302 $1,317 $1,204 $1,215 $4,031 $4,231 $1,676 $1,810

Horatio, AR Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Horatio, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,925 $13,011
Farmers $9,685 $10,039
GEICO $6,742 $6,800
Liberty Mutual $8,693 $9,570
Nationwide $6,216 $7,979
Progressive $11,139 $12,554
State Farm $5,415 $6,820
Travelers $13,212 $21,234
USAA $4,031 $4,231

Horatio, AR Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Horatio, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,774 $2,977
Farmers $2,082 $2,188
GEICO $2,547 $2,475
Liberty Mutual $2,330 $2,596
Nationwide $2,364 $2,513
Progressive $2,181 $2,279
State Farm $1,713 $1,713
Travelers $2,269 $2,280
USAA $1,204 $1,215

Horatio, AR Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Horatio, Arkansas

Insurance Company Poor Fair Good
Allstate $6,840 $5,213 $4,231
Farmers $4,855 $4,066 $3,874
GEICO $4,411 $3,620 $3,007
Liberty Mutual $6,104 $3,677 $2,880
Nationwide $4,545 $3,642 $3,312
Progressive $5,670 $4,826 $4,485
State Farm $4,381 $2,635 $2,050
Travelers $7,042 $5,865 $5,478
USAA $2,786 $1,896 $1,613

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Horatio, AR Car Insurance Rates by Driver History

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

Annual Horatio, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,522 $5,642 $6,202 $5,346
Farmers $3,607 $4,617 $4,511 $4,324
GEICO $2,472 $3,823 $5,763 $2,660
Liberty Mutual $2,875 $4,670 $5,469 $3,867
Nationwide $2,966 $3,853 $5,241 $3,273
Progressive $4,306 $5,976 $4,524 $5,169
State Farm $2,784 $3,261 $3,022 $3,022
Travelers $5,141 $5,312 $7,748 $6,312
USAA $1,614 $2,040 $2,949 $1,791

Horatio, AR Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Horatio, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,202
Farmers $4,511
GEICO $5,763
Liberty Mutual $5,469
Nationwide $5,241
Progressive $4,524
State Farm $3,022
Travelers $7,748
USAA $2,949

Horatio, AR Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Horatio, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,428 $5,428
Farmers $4,265 $4,265
GEICO $3,661 $3,698
Liberty Mutual $4,220 $4,220
Nationwide $3,833 $3,833
Progressive $4,994 $4,994
State Farm $2,951 $3,093
Travelers $6,128 $6,128
USAA $2,039 $2,158

Horatio, AR Cheapest Car Insurance Rates

How do the top Horatio, Arkansas car insurance companies’ average rates stack up against the Horatio average monthly car insurance rates of $349? Take a look and see.

Best Annual Car Insurance Rates by Company in Horatio, Arkansas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Horatio, AR Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Horatio, Arkansas

Insurance Company Average Annual Rates
Allstate $5,428
Farmers $4,265
GEICO $3,679
Liberty Mutual $4,220
Nationwide $3,833
Progressive $4,994
State Farm $3,022
Travelers $6,128
USAA $2,098

Other Factors Affecting Horatio, AR Car Insurance Rates

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

Horatio, AR Commute Time

How does your Horatio, AR commute time compare with the average driver? In Horatio, the average commute is 24.1 minutes.

Horatio, AR Car Insurance Quotes

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