A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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 insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Monticello, AR for senior drivers are $2,297/year
  • The cheapest car insurance company in Monticello after a DUI is State Farm
  • The cheapest car insurance company in Monticello for teen drivers is USAA

Average car insurance rates in Monticello, Arkansas are $362 a month. But with a little research you can get a great deal from the top car insurance companies in Monticello, AR. Before you buy Monticello, Arkansas car insurance, make sure your coverage meets or exceeds the Arkansas minimum of 25/50/25.

It may even be helpful to compare Monticello car insurance rates with Jonesboro car insurance rates, North Little Rock car insurance rates, or Pine Bluff car insurance rates to make sure you’re getting the best Monticello, AR car insurance quotes available.

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

Monticello, AR Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Monticello, Arkansas

Insurance Company Low Medium High
Allstate $5,462 $5,627 $5,801
Farmers $4,147 $4,310 $4,602
GEICO $3,992 $4,150 $4,312
Liberty Mutual $4,330 $4,452 $4,674
Nationwide $3,644 $3,570 $3,744
Progressive $4,937 $5,235 $5,772
State Farm $2,829 $2,963 $3,105
Travelers $5,883 $6,166 $6,395
USAA $2,302 $2,390 $2,503

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Monticello, 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 $3,235 $3,280 $2,864 $3,074 $11,432 $13,621 $3,608 $3,925
Farmers $2,391 $2,383 $2,139 $2,246 $9,842 $10,203 $2,734 $2,884
GEICO $3,052 $3,024 $2,819 $2,740 $7,758 $7,799 $2,989 $3,031
Liberty Mutual $2,654 $2,849 $2,509 $2,805 $9,124 $10,060 $2,868 $3,014
Nationwide $2,484 $2,526 $2,235 $2,356 $6,038 $7,672 $2,847 $3,064
Progressive $2,899 $2,773 $2,379 $2,475 $11,633 $13,139 $3,471 $3,746
State Farm $1,915 $1,915 $1,696 $1,696 $5,255 $6,648 $2,152 $2,447
Travelers $2,342 $2,392 $2,280 $2,295 $13,222 $21,246 $2,489 $2,919
USAA $1,475 $1,494 $1,364 $1,379 $4,636 $4,863 $1,910 $2,065

Monticello, AR Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Monticello, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,432 $13,621
Farmers $9,842 $10,203
GEICO $7,758 $7,799
Liberty Mutual $9,124 $10,060
Nationwide $6,038 $7,672
Progressive $11,633 $13,139
State Farm $5,255 $6,648
Travelers $13,222 $21,246
USAA $4,636 $4,863

Monticello, AR Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Monticello, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,864 $3,074
Farmers $2,139 $2,246
GEICO $2,819 $2,740
Liberty Mutual $2,509 $2,805
Nationwide $2,235 $2,356
Progressive $2,379 $2,475
State Farm $1,696 $1,696
Travelers $2,280 $2,295
USAA $1,364 $1,379

Monticello, AR Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Monticello, Arkansas

Insurance Company Poor Fair Good
Allstate $7,098 $5,410 $4,382
Farmers $4,958 $4,148 $3,953
GEICO $4,975 $4,087 $3,392
Liberty Mutual $6,500 $3,900 $3,057
Nationwide $4,303 $3,479 $3,176
Progressive $6,066 $5,127 $4,751
State Farm $4,298 $2,586 $2,012
Travelers $7,067 $5,883 $5,494
USAA $3,186 $2,166 $1,843

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Monticello, AR Car Insurance Rates by Driver History

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

Annual Monticello, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,682 $5,861 $6,435 $5,541
Farmers $3,684 $4,711 $4,602 $4,414
GEICO $2,801 $4,317 $6,475 $3,014
Liberty Mutual $3,075 $4,955 $5,796 $4,115
Nationwide $2,852 $3,672 $4,953 $3,135
Progressive $4,592 $6,326 $4,820 $5,519
State Farm $2,739 $3,191 $2,965 $2,965
Travelers $5,161 $5,333 $7,767 $6,332
USAA $1,840 $2,334 $3,374 $2,044

Monticello, AR Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Monticello, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,435
Farmers $4,602
GEICO $6,475
Liberty Mutual $5,796
Nationwide $4,953
Progressive $4,820
State Farm $2,965
Travelers $7,767
USAA $3,374

Monticello, AR Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Monticello, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,630 $5,630
Farmers $4,353 $4,353
GEICO $4,126 $4,176
Liberty Mutual $4,485 $4,485
Nationwide $3,653 $3,653
Progressive $5,314 $5,314
State Farm $2,894 $3,037
Travelers $6,148 $6,148
USAA $2,329 $2,468

Monticello, AR Cheapest Car Insurance Rates

How do the top Monticello, Arkansas car insurance companies’ average rates stack up against the Monticello average monthly car insurance rates of $362? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Monticello, Arkansas

Insurance Company Average Annual Rates
Allstate $5,630
Farmers $4,353
GEICO $4,151
Liberty Mutual $4,485
Nationwide $3,653
Progressive $5,314
State Farm $2,965
Travelers $6,148
USAA $2,398

Other Factors Affecting Monticello, AR Car Insurance Rates

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

Monticello, AR Commute Time

How does your Monticello, AR commute time compare with the average driver? In Monticello, the average commute is 19.0 minutes.

Monticello, AR Car Insurance Quotes

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