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 Houston after a DUI is State Farm
  • The cheapest car insurance company in Houston for teen drivers is USAA
  • Average car insurance rates in Houston, AR for senior drivers are $2,068/year

Average car insurance rates in Houston, Arkansas are $330 a month. But with a little research you can get a great deal from the top car insurance companies in Houston, AR. Before you buy Houston, Arkansas car insurance, make sure your coverage meets or exceeds the Arkansas minimum of 25/50/25.

It may even be helpful to compare Houston car insurance rates with Hot Springs car insurance rates, Conway car insurance rates, or Bentonville car insurance rates to make sure you’re getting the best Houston, AR car insurance quotes available.

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

Houston, AR Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Houston, Arkansas

Insurance Company Low Medium High
Allstate $4,853 $5,012 $5,178
Farmers $3,861 $4,013 $4,283
GEICO $3,362 $3,513 $3,667
Liberty Mutual $3,768 $3,869 $4,038
Nationwide $3,614 $3,513 $3,623
Progressive $4,685 $4,975 $5,477
State Farm $2,642 $2,787 $2,939
Travelers $5,382 $5,658 $5,888
USAA $1,988 $2,064 $2,162

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Houston, 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 $2,788 $2,796 $2,501 $2,673 $10,445 $12,549 $3,058 $3,304
Farmers $2,243 $2,235 $2,009 $2,110 $9,119 $9,442 $2,560 $2,699
GEICO $2,547 $2,518 $2,349 $2,283 $6,678 $6,690 $2,507 $2,542
Liberty Mutual $2,293 $2,454 $2,188 $2,435 $7,960 $8,744 $2,473 $2,586
Nationwide $2,448 $2,496 $2,200 $2,325 $5,888 $7,499 $2,797 $3,014
Progressive $2,675 $2,539 $2,198 $2,295 $11,275 $12,702 $3,206 $3,475
State Farm $1,720 $1,720 $1,552 $1,552 $5,144 $6,452 $1,941 $2,234
Travelers $2,102 $2,141 $2,076 $2,082 $12,242 $19,652 $2,250 $2,597
USAA $1,284 $1,298 $1,191 $1,201 $3,985 $4,179 $1,651 $1,782

Houston, AR Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Houston, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,445 $12,549
Farmers $9,119 $9,442
GEICO $6,678 $6,690
Liberty Mutual $7,960 $8,744
Nationwide $5,888 $7,499
Progressive $11,275 $12,702
State Farm $5,144 $6,452
Travelers $12,242 $19,652
USAA $3,985 $4,179

Houston, AR Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Houston, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,501 $2,673
Farmers $2,009 $2,110
GEICO $2,349 $2,283
Liberty Mutual $2,188 $2,435
Nationwide $2,200 $2,325
Progressive $2,198 $2,295
State Farm $1,552 $1,552
Travelers $2,076 $2,082
USAA $1,191 $1,201

Houston, AR Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Houston, Arkansas

Insurance Company Poor Fair Good
Allstate $6,291 $4,833 $3,919
Farmers $4,621 $3,858 $3,677
GEICO $4,210 $3,461 $2,871
Liberty Mutual $5,625 $3,392 $2,658
Nationwide $4,238 $3,407 $3,105
Progressive $5,725 $4,877 $4,534
State Farm $4,041 $2,433 $1,894
Travelers $6,473 $5,404 $5,052
USAA $2,745 $1,873 $1,596

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Houston, AR Car Insurance Rates by Driver History

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

Annual Houston, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,116 $5,206 $5,796 $4,939
Farmers $3,430 $4,386 $4,282 $4,110
GEICO $2,387 $3,658 $5,443 $2,569
Liberty Mutual $2,655 $4,306 $5,036 $3,571
Nationwide $2,794 $3,602 $4,865 $3,073
Progressive $4,350 $6,042 $4,569 $5,222
State Farm $2,548 $3,030 $2,789 $2,789
Travelers $4,729 $4,885 $7,153 $5,803
USAA $1,595 $2,017 $2,905 $1,769

Houston, AR Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Houston, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,796
Farmers $4,282
GEICO $5,443
Liberty Mutual $5,036
Nationwide $4,865
Progressive $4,569
State Farm $2,789
Travelers $7,153
USAA $2,905

Houston, AR Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Houston, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,014 $5,014
Farmers $4,052 $4,052
GEICO $3,489 $3,539
Liberty Mutual $3,892 $3,892
Nationwide $3,583 $3,583
Progressive $5,046 $5,046
State Farm $2,722 $2,857
Travelers $5,643 $5,643
USAA $2,012 $2,130

Houston, AR Cheapest Car Insurance Rates

How do the top Houston, Arkansas car insurance companies’ average rates stack up against the Houston average monthly car insurance rates of $330? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Houston, Arkansas

Insurance Company Average Annual Rates
Allstate $5,014
Farmers $4,052
GEICO $3,514
Liberty Mutual $3,892
Nationwide $3,583
Progressive $5,046
State Farm $2,789
Travelers $5,643
USAA $2,071

Other Factors Affecting Houston, AR Car Insurance Rates

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

Houston, AR Commute Time

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

Houston, AR Traffic

Spending time in Houston traffic can lead to higher car insurance rates. According to INRIX data, Houston, AR ranks as the 57th-most congested with traffic in the world.

Houston, AR Car Insurance Quotes

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