Best Batesville, Arkansas Auto Insurance in 2024 (Top 10 Providers Ranked)
State Farm, Geico, and Progressive provide the best Batesville, Arkansas auto insurance coverage, starting as low as $35/month. State Farm excels in community support, Geico offers great rates, and Progressive's "Name Your Price Tool" helps Batesville drivers find affordable coverage.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Oct 7, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
17,758 reviewsCompany Facts
Full Coverage in Batesville Arkansas
A.M. Best Rating
Complaint Level
Pros & Cons
17,758 reviews
19,116 reviewsCompany Facts
Full Coverage in Batesville Arkansas
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,128 reviewsCompany Facts
Full Coverage in Batesville Arkansas
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsGet the best Batesville, Arkansas auto insurance deals from State Farm, Geico, and Progressive with premiums as low as $35 per month.
Keep reading and learn about the top providers offering cheap auto insurance for a bad driving record and essential coverage types.
Check out the discounts, compare the prices, and find the policies that suit you best, whether you’re a new driver or looking to switch insurance companies. Get solid protection and save money.
Our Top 10 Company Picks: Best Batesville, Arkansas Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 12% | B | Local Agents | State Farm |
 | #2 | 15% | A+ | Low Rates | Geico |
 | #3 | 8% | A+ | Budgeting Tools | Progressive |
 | #4 | 18% | A+ | Comprehensive Benefits | Allstate |
 | #5 | 14% | A | Custom Policies | Farmers |
 | #6 | 13% | A++ | Military-Focused | USAA |
 | #7 | 11% | A | Flexible Options | Liberty Mutual |
 | #8 | 16% | A+ | Solid Coverage | Nationwide |
 | #9 | 9% | A++ | Reliable Service | Travelers |
 | #10 | 20% | A+ | Customer Satisfaction | Amica |
Explore your auto insurance options by entering your ZIP code into our free comparison tool above today.
- Compare top providers offering the best Batesville, Arkansas auto insurance rates
- Discover discounts and to save on auto insurance in Batesville
- Learn about essential coverage for comprehensive protection in Batesville
#1 – State Farm: Top Overall Pick
Pros
- Extensive Agent Network: Largest network of local agents in Batesville, offering personalized face-to-face service for Arkansas residents.
- Community Integration: Agents provide Arkansas-specific insights based on local driving conditions and regulations.
- Personalized Guidance: One-on-one consultations help customize coverage for individual Batesville auto insurance needs.
Cons
- Limited Online Tools: Digital resources may be less comprehensive for tech-savvy Batesville drivers.
- Less Flexible Policies: Fewer customization options for unique Arkansas driving needs. (Learn More: State Farm Auto Insurance Review)
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#2 – Geico: Best for Low Rates
Pros
- Competitive Rates: Offers $115 full coverage, the lowest in Batesville for quality Arkansas auto insurance.
- Efficient Operations: Streamlined processes result in significant cost savings for Batesville motorists.
- Diverse Discounts: Wide array of discounts available, including for federal employees and safe Arkansas drivers.
Cons
- No Local Offices: Lack of physical presence in Batesville for in-person service as mentioned in our Geico auto insurance review.
- Limited Bundling: Fewer options to bundle multiple insurance products for Arkansas residents.
#3 – Progressive: Best for Budgeting Tools
Pros
- Name Your Price Tool: Helps Batesville drivers find coverage fitting their budget and Arkansas requirements.
- Snapshot Program: Usage-based insurance offering discounts for safe driving in Arkansas. (Read More: Progressive Auto Insurance Review)
- Rate Comparison: Tool compares Progressive’s rates with competitors for informed Batesville decisions.
Cons
- Above-Average Rates: $140 full coverage may deter budget-conscious Batesville drivers.
- Complex Policies: Numerous options may overwhelm Arkansas customers choosing coverage.
#4 – Allstate: Best for Comprehensive Benefits
Pros
- Extensive Coverage: Wide range of options for various Arkansas driving scenarios, learn more about their coverage in our Allstate auto insurance review.
- Safety Programs: Drivewise and Milewise offer tailored coverage and savings for Batesville drivers.
- Satisfaction Guarantee: Ensures Batesville customers’ satisfaction with claims or offers premium credit.
Cons
- Higher Pricing: $155 full coverage may not suit budget-conscious Batesville drivers.
- Complex Discounts: Numerous options may confuse Arkansas customers seeking savings.
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#5 – Farmers: Best for Custom Policies
Pros
- Customizable Policies: Highly flexible options tailored to specific Batesville driving needs.
- Unique Add-Ons: As mentioned in our Farmers auto insurance review, they offer specialized coverage like custom equipment for bespoke Arkansas insurance packages.
- Tiered System: Three coverage levels balance protection and budget for Batesville drivers.
Cons
- High Premiums: $165 monthly for full coverage may deter cost-sensitive Arkansas drivers.
- Basic Online Tools: Digital resources may be less advanced for Batesville policy management.
#6 – USAA: Best for Military-Focused
Pros
- Military Specialization: Tailored insurance for Batesville’s military community with unique Arkansas benefits.
- Exclusive Discounts: Savings for garage parking on Arkansas bases and deployment coverage.
- Military Lifestyle Support: Policies accommodate frequent relocations and deployments for Arkansas service members.
Cons
- Restricted Eligibility: As highlighted in our USAA auto insurance review, they are only limited to military members and families in Batesville.
- No Local Offices: Lack of physical locations in Batesville for face-to-face service.
#7 – Liberty Mutual: Best for Flexible Options
Pros
- Customizable Coverage: Extensive range of flexible add-ons for tailored Batesville policies.
- Innovative Features: New car and better car replacement for enhanced Arkansas vehicle protection, learn more about this feature in our Liberty Mutual auto insurance review.
- Usage-Based Savings: RightTrack program offers discounts based on Batesville driving habits.
Cons
- Higher Rates: $150 full coverage may deter budget-conscious Arkansas drivers.
- Complex Quotes: Time-consuming process requiring detailed Batesville driving history.
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#8 – Nationwide: Best for Solid Coverage
Pros
- Robust Standard Coverage: As mentioned in our Nationwide auto insurance review, their comprehensive basic policies include rental and roadside assistance in Arkansas.
- Vanishing Deductible: Reduces deductible annually for safe Batesville drivers, up to $500.
- Annual Review: Ensures Batesville policies remain comprehensive and cost-effective over time.
Cons
- Limited Local Presence: Smaller agency network in Batesville for in-person service.
- Average Satisfaction: Potential for lower satisfaction levels among Arkansas policyholders.
#9 – Travelers: Best for Reliable Service
Pros
- Consistent Service: Long-standing reputation for reliable support and claims processing in Batesville. Learn more about their offerings in our Travelers auto insurance review.
- IntelliDrive Savings: Usage-based program offering up to 30% savings for safe Arkansas driving.
- Group Discounts: Partnerships offer additional savings for Batesville organization members.
Cons
- Basic Online Tools: Digital resources may be less comprehensive for Batesville policy management.
- Mixed Reviews: Some Arkansas customers report challenges with claims processing.
#10 – Amica: Best for Customer Satisfaction
Pros
- Top-Rated Service: Consistently highest customer satisfaction for Batesville auto insurance needs.
- Premium Package: Platinum Choice Auto offers perks like accident forgiveness in Arkansas. More information about this package in our Amica auto insurance review.
- Dividend Policies: Potential 20% premium return, demonstrating value for Batesville drivers.
Cons
- Higher Initial Costs: $160 monthly for full coverage may deter cost-sensitive Arkansas drivers.
- No Local Offices: Lack of physical locations in Batesville for face-to-face service.
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Minimum Auto Insurance in Batesville, Arkansas
In Batesville, opting for the Arkansas minimum auto insurance requirements can save on premiums but may leave drivers financially vulnerable in serious accidents.
Although full coverage is more expensive, it is worthwhile because it offers comprehensive protection, including damages, injuries, and weather-related incidents. Check the table below for a comparison between basic and full coverage rates.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $55 | $155 |
| $57 | $160 |
| $60 | $165 |
| $40 | $115 |
| $50 | $150 |
| $48 | $135 |
| $50 | $140 |
| $45 | $130 |
| $52 | $145 |
| $35 | $110 |
The insurance rating table helps Batesville, Arkansas residents make informed decisions about car insurance. With Overall Affordability graded B+, residents can expect premiums near the national average. An A in Coverage Options indicates a variety of plans to fit specific needs. Customer Service is rated B, showing generally high satisfaction.
Batesville, Arkansas Report Card: Auto Insurance Premiums
| Category | Grade | Explanation | |
|---|---|---|---|
| Coverage Options | A | Several insurers offer a broad range of coverage plans. | |
| Discount Availability | A- | Many major insurers offer a variety of discounts to qualified drivers. | |
| Overall Affordability | B+ | Premiums in Batesville are close to the national average. | |
| Customer Service | B | Customer satisfaction is generally high with some variability. | |
| Claims Processing | B- | Some delays have been reported, but most claims are resolved efficiently. |
There were delays in claims processing that earned a B—, but most claims were settled quickly. The A—in Discount Availability showed that different discounts offered savings. Ultimately, this table helps residents find the right insurance, weighing cost, coverage, and service.
The auto accident and insurance claim statistics for Batesville, Arkansas highlight key concerns for residents. With 450 annual accidents and an average claim cost of $4,300, the financial impact is significant.
Batesville, Arkansas Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Annual Accidents | 450 |
| Annual Insurance Claims | 380 |
| Average Claim Cost ($) | $4,300 |
| Claims Involving Injuries (%) | 22% |
| Most Common Accident Type | Rear-end Collision |
| Weather-related Accidents (%) | 15% |
22% of claims involve injuries, and 15% are weather-related, emphasizing the need for comprehensive coverage and cautious driving.
Batesville, Arkansas Auto Insurance Cost Factors
Auto insurance prices in Batesville, Arkansas can be different from other places for many reasons. Some of these reasons are how busy the roads are and how often cars get stolen in Batesville. There are many local things that can change how much you pay for car insurance there.
Commute Time in Batesville
In cities where people take longer to get to work in their cars, the cost of car insurance is usually higher. For example, in Batesville, Arkansas, it takes about 12.3 minutes for people to drive to work.
Batesville, Arkansas Auto Insurance by Demographics
What age group has the most fatal crashes? In Batesville, young men of 17 pay the highest insurance rates. They drive fast and take chances. As they grow older, the costs go down. A man at 35 pays much less. The risk lessens with age.
Batesville, Arkansas Full Coverage Auto Insurance Monthly Rates by Age & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $880 | $1,054 | $272 | $296 | $245 | $247 | $218 | $233 |
| $839 | $870 | $227 | $239 | $199 | $197 | $177 | $187 |
| $549 | $552 | $213 | $216 | $217 | $215 | $201 | $195 |
| $665 | $731 | $209 | $219 | $194 | $208 | $184 | $205 |
| $552 | $704 | $260 | $280 | $227 | $231 | $203 | $215 |
| $1,096 | $1,234 | $304 | $329 | $254 | $240 | $209 | $218 |
| $422 | $532 | $169 | $193 | $150 | $150 | $134 | $134 |
| $1,070 | $1,713 | $197 | $227 | $184 | $187 | $182 | $182 |
| $334 | $350 | $138 | $148 | $107 | $108 | $99 | $100 |
Gender also influences rates, with males typically paying slightly more than females across most age groups. This data highlights the importance of age and gender in determining auto insurance costs.
Low-Cost Car Insurance in Batesville, AR by Driving History
In Batesville, Arkansas, your driving record affects your car insurance rates. If you have a clean record, you’ll score the best rates since you’re seen as a lower risk. But if you’ve got some tickets or accidents, expect those rates to go up significantly.
Batesville, Arkansas Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $356 | $425 | $447 | $496 |
| $310 | $371 | $397 | $389 |
| $199 | $214 | $306 | $460 |
| $224 | $300 | $361 | $423 |
| $260 | $286 | $336 | $454 |
| $418 | $501 | $583 | $439 |
| $217 | $235 | $254 | $235 |
| $413 | $507 | $426 | $625 |
| $133 | $148 | $169 | $243 |
The table states that maintaining a clean driving history is crucial to keeping your insurance premium low. One accident can drive up premiums, and a single ticket or DUI can raise them even more. If you get a DUI, sometimes your insurance rates are double compared to drivers with a clean record.
Batesville, Arkansas Auto Insurance Rates After a DUI
In Batesville, Arkansas, getting a DUI can really drive up your auto insurance rates with all the big insurance companies.
Rates for drivers with a DUI are considerably higher compared to those with clean records.Michelle Robbins LICENSED INSURANCE AGENT
For instance, premiums with Travelers and Allstate are among the highest, reflecting the increased risk associated with DUI offenses.
Batesville, Arkansas DUI Full Coverage Auto Insurance Rates
| Insurance Company | Monthly Rates |
|---|---|
| $496 |
| $389 |
| $460 |
| $423 |
| $454 |
| $439 |
| $235 |
| $625 |
| $243 |
State Farm and USAA offer relatively lower increases, though rates still rise sharply. This data illustrates the severe financial consequences of a DUI on auto insurance costs, highlighting the importance of safe driving to maintain affordable premiums.
Affordable Car Insurance in Batesville, AR by Credit History
Having a good credit score shows that you are responsible when paying on time. Insurers consider you a lower risk and can get lower car insurance rates. However, those with fair credit see moderate increases, while poor credit results in the highest rates.
Batesville, Arkansas Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $336 | $414 | $542 |
| $334 | $350 | $417 |
| $241 | $290 | $353 |
| $223 | $285 | $473 |
| $289 | $318 | $394 |
| $438 | $470 | $549 |
| $160 | $205 | $341 |
| $441 | $472 | $565 |
| $134 | $157 | $229 |
For example, Allstate and Progressive show substantial rate hikes for poor credit, while State Farm and USAA offer more competitive rates even for those with lower credit scores. This data underscores the importance of maintaining a good credit score to secure affordable auto insurance premiums.
Batesville, Arkansas Auto Insurance Discounts
In Batesville, Arkansas, top auto insurance providers offer a variety of discounts that can significantly reduce premiums for policyholders. Common discounts include safe driving, good student, and vehicle safety features, which reward responsible behavior and the use of safety measures.
Auto Insurance Discounts From the Top Providers in Batesville, Arkansas
| Insurance Company | Available Discounts |
|---|---|
| Safe Driving, Multi-Policy, New Car, Anti-Theft, Good Student, Pay-in-Full |
| Multi-Policy, Safe Driver, Good Student, Vehicle Safety Features, Loyalty |
| Multi-Policy, Safe Driver, Homeowner, Good Student, Discounts for Your Vehicle |
| Multi-Policy, Good Student, Safe Driver, Military, Federal Employee, Vehicle Safety Features |
| Multi-Policy, Safe Driver, New Car, Vehicle Safety Features, Homeowner |
| Multi-Policy, Safe Driver, Good Student, Accident-Free, Vehicle Safety Features |
| Multi-Policy, Snapshot (usage-based), Safe Driver, Homeowner, Online Quote |
| Safe Driver, Multi-Policy, Vehicle Safety Features, Good Student, Defensive Driving Course |
| Multi-Policy, Safe Driver, New Car, Good Student, Homeowner |
| Safe Driver, Multi-Policy, Good Student, Military Affiliation, Vehicle Safety Features |
Notably, the multi-policy auto insurance discount is available from all listed providers, allowing customers to save by bundling multiple types of insurance.
These discounts help policyholders manage their insurance costs more effectively while encouraging safer driving habits and the use of advanced vehicle safety features.
Read More: Best Home and Auto Insurance Bundling Discounts
See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool below.
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Frequently Asked Questions
How much is auto insurance in Arkansas?
The cost varies, but with car insurance quotes in Batesville, AR, minimum coverage can start as low as $35 per month from providers like State Farm in Batesville, AR.
What is the best car insurance in Arkansas?
The best insurance depends on individual needs. Car insurance companies in Batesville, AR like State Farm, Geico, and Progressive often offer competitive rates and good coverage.
Why is auto insurance so expensive in Arkansas?
Factors like high accident rates and natural disasters can increase costs. However, auto insurance quotes in Batesville, AR, may offer more competitive rates than the state average.
Read More: Is auto insurance active during a state of emergency?
What car insurance is required in Arkansas?
Arkansas mandates liability coverage of 25/50/25. Insurance companies in Batesville, Arkansas, can provide more details on these minimum requirements. Get fast and cheap auto insurance coverage today with our quote comparison tool below.
What is full coverage in Arkansas?
Full coverage typically includes liability, collision, and comprehensive insurance. Batesville home insurance providers often offer bundle discounts with auto policies. (Learn More: Cheap Full Coverage Auto Insurance)
How much does comprehensive car insurance cost in Arkansas for an 18 year old?
Costs for young drivers are typically higher. Car insurance agents in Batesville, AR, can provide specific quotes and potential discounts for 18-year-olds.
What is the cheapest form of car insurance?
Minimum liability coverage is usually the cheapest option. Allstate Batesville AR and other providers can offer quotes for this basic coverage.
What is the most basic car insurance?
The most basic is liability-only coverage. Homeowners insurance in Batesville providers may offer discounts when bundled with basic auto insurance.
Which type of car insurance is best?
The best types of auto insurance coverage depends on individual needs and budget. Full coverage offers the most protection, while liability-only is cheaper but provides less coverage.
How does home insurance relate to auto insurance in Batesville?
Many providers offer discounts for bundling home insurance in Batesville with auto insurance, potentially lowering overall insurance costs. Stop overpaying for auto insurance. Enter your ZIP code below to find out if you can get a better deal.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.