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 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

  • The cheapest car insurance company in Mountain Home for teen drivers is USAA
  • Average car insurance rates in Mountain Home, AR for senior drivers are $1,957/year
  • Average car insurance rates in Mountain Home, AR are $311/month

Average car insurance rates in Mountain Home, Arkansas are $311 a month. But with a little research you can get a great deal from the top car insurance companies in Mountain Home, AR. Before you buy Mountain Home, Arkansas car insurance, make sure your coverage meets or exceeds the Arkansas minimum of 25/50/25.

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

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

Mountain Home, AR Minimum Car Insurance Coverage

Mountain Home, 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 Mountain Home, 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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Mountain Home, AR Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Mountain Home, Arkansas

Insurance Company Low Medium High
Allstate $4,405 $4,517 $4,637
Farmers $3,907 $4,064 $4,344
GEICO $3,089 $3,209 $3,331
Liberty Mutual $3,463 $3,563 $3,734
Nationwide $3,614 $3,513 $3,623
Progressive $4,459 $4,766 $5,312
State Farm $2,364 $2,469 $2,585
Travelers $4,977 $5,243 $5,465
USAA $1,966 $2,045 $2,147

Mountain Home, AR Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Mountain Home, 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 $2,221 $2,207 $1,984 $2,088 $9,382 $9,712 $2,553 $2,692
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 $2,559 $2,422 $2,103 $2,202 $10,874 $12,240 $3,059 $3,307
State Farm $1,584 $1,584 $1,407 $1,407 $4,418 $5,562 $1,780 $2,041
Travelers $1,962 $1,999 $1,934 $1,941 $11,309 $18,165 $2,096 $2,424
USAA $1,270 $1,283 $1,179 $1,188 $3,960 $4,148 $1,633 $1,761

Mountain Home, AR Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Mountain Home, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,138 $10,907
Farmers $9,382 $9,712
GEICO $6,083 $6,098
Liberty Mutual $7,413 $8,150
Nationwide $5,888 $7,499
Progressive $10,874 $12,240
State Farm $4,418 $5,562
Travelers $11,309 $18,165
USAA $3,960 $4,148

Mountain Home, AR Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Mountain Home, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,322 $2,483
Farmers $1,984 $2,088
GEICO $2,150 $2,090
Liberty Mutual $1,999 $2,228
Nationwide $2,200 $2,325
Progressive $2,103 $2,202
State Farm $1,407 $1,407
Travelers $1,934 $1,941
USAA $1,179 $1,188

Mountain Home, AR Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Mountain Home, Arkansas

Insurance Company Poor Fair Good
Allstate $5,680 $4,346 $3,533
Farmers $4,671 $3,915 $3,729
GEICO $3,845 $3,161 $2,622
Liberty Mutual $5,176 $3,131 $2,453
Nationwide $4,238 $3,407 $3,105
Progressive $5,492 $4,686 $4,359
State Farm $3,579 $2,158 $1,681
Travelers $6,001 $5,006 $4,679
USAA $2,718 $1,857 $1,583

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Mountain Home, AR Car Insurance Rates by Driver History

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

Annual Mountain Home, 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 $3,464 $4,447 $4,344 $4,164
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 $4,176 $5,808 $4,389 $5,010
State Farm $2,279 $2,667 $2,473 $2,473
Travelers $4,385 $4,530 $6,619 $5,381
USAA $1,580 $2,000 $2,879 $1,752

Mountain Home, AR Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Mountain Home, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,178
Farmers $4,344
GEICO $4,978
Liberty Mutual $4,645
Nationwide $4,865
Progressive $4,389
State Farm $2,473
Travelers $6,619
USAA $2,879

Mountain Home, AR Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Mountain Home, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,520 $4,520
Farmers $4,105 $4,105
GEICO $3,187 $3,232
Liberty Mutual $3,587 $3,587
Nationwide $3,583 $3,583
Progressive $4,846 $4,846
State Farm $2,415 $2,531
Travelers $5,229 $5,229
USAA $1,994 $2,111

Mountain Home, AR Cheapest Car Insurance Rates

How do the top Mountain Home, Arkansas car insurance companies’ average rates stack up against the Mountain Home average monthly car insurance rates of $311? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Mountain Home, Arkansas

Insurance Company Average Annual Rates
Allstate $4,520
Farmers $4,105
GEICO $3,209
Liberty Mutual $3,587
Nationwide $3,583
Progressive $4,846
State Farm $2,473
Travelers $5,229
USAA $2,053

Other Factors Affecting Mountain Home, AR Car Insurance Rates

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

Mountain Home, AR Commute Time

How does your Mountain Home, AR commute time compare with the average driver? In Mountain Home, the average commute is 10.0 minutes.

Mountain Home, AR Car Insurance Quotes

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