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 Searcy for teen drivers is USAA
  • Average car insurance rates in Searcy, AR are $338/month
  • Average car insurance rates in Searcy, AR for senior drivers are $2,100/year

Average car insurance rates in Searcy, Arkansas are $338 a month. But with a little research you can get a great deal from the top car insurance companies in Searcy, AR. Before you buy Searcy, Arkansas car insurance, make sure your coverage meets or exceeds the Arkansas minimum of 25/50/25.

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

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

Searcy, AR Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Searcy, Arkansas

Insurance Company Low Medium High
Allstate $4,807 $4,960 $5,121
Farmers $4,041 $4,207 $4,504
GEICO $3,250 $3,393 $3,540
Liberty Mutual $3,776 $3,892 $4,104
Nationwide $4,022 $3,922 $4,073
Progressive $4,814 $5,153 $5,751
State Farm $2,654 $2,793 $2,940
Travelers $5,557 $5,874 $6,145
USAA $1,972 $2,052 $2,155

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Searcy, 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 $2,775 $2,784 $2,489 $2,659 $10,296 $12,363 $3,045 $3,292
Farmers $2,304 $2,292 $2,059 $2,165 $9,703 $10,055 $2,642 $2,784
GEICO $2,442 $2,411 $2,249 $2,187 $6,504 $6,507 $2,410 $2,444
Liberty Mutual $2,227 $2,384 $2,143 $2,398 $8,234 $9,082 $2,410 $2,513
Nationwide $2,718 $2,768 $2,440 $2,578 $6,624 $8,442 $3,116 $3,360
Progressive $2,766 $2,618 $2,276 $2,380 $11,758 $13,237 $3,307 $3,572
State Farm $1,740 $1,740 $1,564 $1,564 $5,117 $6,425 $1,962 $2,255
Travelers $2,146 $2,185 $2,135 $2,139 $12,771 $20,554 $2,304 $2,635
USAA $1,272 $1,284 $1,182 $1,189 $3,987 $4,173 $1,634 $1,760

Searcy, AR Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Searcy, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,296 $12,363
Farmers $9,703 $10,055
GEICO $6,504 $6,507
Liberty Mutual $8,234 $9,082
Nationwide $6,624 $8,442
Progressive $11,758 $13,237
State Farm $5,117 $6,425
Travelers $12,771 $20,554
USAA $3,987 $4,173

Searcy, AR Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Searcy, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,489 $2,659
Farmers $2,059 $2,165
GEICO $2,249 $2,187
Liberty Mutual $2,143 $2,398
Nationwide $2,440 $2,578
Progressive $2,276 $2,380
State Farm $1,564 $1,564
Travelers $2,135 $2,139
USAA $1,182 $1,189

Searcy, AR Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Searcy, Arkansas

Insurance Company Poor Fair Good
Allstate $6,230 $4,782 $3,877
Farmers $4,835 $4,054 $3,862
GEICO $4,065 $3,344 $2,774
Liberty Mutual $5,655 $3,430 $2,687
Nationwide $4,733 $3,811 $3,473
Progressive $5,936 $5,067 $4,715
State Farm $4,051 $2,438 $1,898
Travelers $6,714 $5,614 $5,249
USAA $2,726 $1,864 $1,590

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Searcy, AR Car Insurance Rates by Driver History

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

Annual Searcy, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,079 $5,149 $5,733 $4,890
Farmers $3,591 $4,604 $4,498 $4,308
GEICO $2,310 $3,534 $5,248 $2,486
Liberty Mutual $2,668 $4,350 $5,091 $3,586
Nationwide $3,114 $4,027 $5,453 $3,429
Progressive $4,515 $6,281 $4,746 $5,416
State Farm $2,560 $3,032 $2,796 $2,796
Travelers $4,906 $5,068 $7,440 $6,021
USAA $1,585 $2,008 $2,890 $1,758

Searcy, AR Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Searcy, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,733
Farmers $4,498
GEICO $5,248
Liberty Mutual $5,091
Nationwide $5,453
Progressive $4,746
State Farm $2,796
Travelers $7,440
USAA $2,890

Searcy, AR Car Insurance Rates by ZIP Code

Just like Searcy car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Searcy, AR car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Searcy, Arkansas

ZIP Code Average Annual Rates
72143 $4,200
72149 $4,110

Searcy, AR Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Searcy, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,963 $4,963
Farmers $4,251 $4,251
GEICO $3,369 $3,420
Liberty Mutual $3,924 $3,924
Nationwide $4,006 $4,006
Progressive $5,239 $5,239
State Farm $2,728 $2,863
Travelers $5,859 $5,859
USAA $2,001 $2,118

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Searcy, AR Cheapest Car Insurance Rates

How do the top Searcy, Arkansas car insurance companies’ average rates stack up against the Searcy average monthly car insurance rates of $338? Take a look and see.

Best Annual Car Insurance Rates by Company in Searcy, 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

Searcy, AR Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Searcy, Arkansas

Insurance Company Average Annual Rates
Allstate $4,963
Farmers $4,251
GEICO $3,394
Liberty Mutual $3,924
Nationwide $4,006
Progressive $5,239
State Farm $2,796
Travelers $5,859
USAA $2,060

Other Factors Affecting Searcy, AR Car Insurance Rates

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

Searcy, AR Commute Time

How does your Searcy, AR commute time compare with the average driver? In Searcy, the average commute is 16.6 minutes.

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Searcy, AR Car Insurance Quotes

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