Best Cheap Auto Insurance in Charleston, AR (2021)

The average Charleston, AR auto insurance rates are $319 per month. The minimum auto insurance in Charleston is at least 25/50/25 in coverage to comply with Arkansas auto insurance laws. To find the best cheap auto insurance in Charleston, Arkansas, compare quotes from multiple companies.

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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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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Charleston is 25.1 minutes
  • The cheapest auto insurance company in Charleston is USAA
  • Average auto insurance rates in Charleston, AR for senior drivers are $1,985 per year

Charleston, Arkansas auto insurance requirements are 25/50/25 according to Arkansas auto insurance laws. Finding cheap auto insurance in Charleston can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Charleston, Arkansas, including driving record, credit, commute time, and more.

Compare auto insurance in Charleston to other Arkansas cities, including Fayetteville auto insurance rates, Fort Smith auto insurance rates, and Springdale auto insurance rates to see how Charleston, Arkansas auto insurance rates stack up.

Before you buy Charleston, Arkansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Charleston, Arkansas auto insurance quotes.

Minimum Auto Insurance in Charleston, Arkansas

Charleston, Arkansas auto insurance laws require that you have at least the Arkansas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Charleston, Arkansas.

Minimum Required Auto Insurance Coverage in Charleston, 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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Cheap Charleston, Arkansas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Charleston, Arkansas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Charleston, 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 $2,513 $2,529 $2,249 $2,402 $9,073 $10,870 $2,767 $2,998
Farmers $2,324 $2,307 $2,075 $2,184 $9,896 $10,247 $2,667 $2,804
GEICO $2,380 $2,353 $2,195 $2,134 $6,214 $6,228 $2,341 $2,374
Liberty Mutual $2,168 $2,317 $2,093 $2,335 $8,162 $8,987 $2,349 $2,449
Nationwide $2,448 $2,496 $2,200 $2,325 $5,888 $7,499 $2,797 $3,014
Progressive $2,585 $2,444 $2,126 $2,225 $11,035 $12,416 $3,091 $3,340
State Farm $1,545 $1,545 $1,401 $1,401 $4,678 $5,865 $1,745 $2,003
Travelers $2,045 $2,083 $2,026 $2,031 $12,015 $19,302 $2,193 $2,521
USAA $1,243 $1,249 $1,163 $1,160 $4,016 $4,182 $1,595 $1,708

Cheap Charleston, Arkansas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Charleston, Arkansas is a challenge. Take a look at the annual teen auto insurance rates in Charleston, Arkansas.

Annual Auto Insurance Rates for Teen Drivers in Charleston, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,073 $10,870
Farmers $9,896 $10,247
GEICO $6,214 $6,228
Liberty Mutual $8,162 $8,987
Nationwide $5,888 $7,499
Progressive $11,035 $12,416
State Farm $4,678 $5,865
Travelers $12,015 $19,302
USAA $4,016 $4,182

Cheap Charleston, Arkansas Auto Insurance for Seniors

What are senior auto insurance rates in Charleston, Arkansas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Charleston, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,249 $2,402
Farmers $2,075 $2,184
GEICO $2,195 $2,134
Liberty Mutual $2,093 $2,335
Nationwide $2,200 $2,325
Progressive $2,126 $2,225
State Farm $1,401 $1,401
Travelers $2,026 $2,031
USAA $1,163 $1,160

Cheap Charleston, Arkansas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Charleston, Arkansas compared to the annual auto insurance rates with a clean record in Charleston, Arkansas.

Annual Charleston, Arkansas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,654 $4,589 $5,096 $4,361
Farmers $3,642 $4,672 $4,569 $4,368
GEICO $2,224 $3,411 $5,082 $2,393
Liberty Mutual $2,607 $4,284 $5,017 $3,521
Nationwide $2,794 $3,602 $4,865 $3,073
Progressive $4,229 $5,886 $4,445 $5,072
State Farm $2,301 $2,744 $2,523 $2,523
Travelers $4,632 $4,784 $7,012 $5,680
USAA $1,565 $1,993 $2,864 $1,736

Cheap Charleston, Arkansas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Charleston, Arkansas is not easy. Compare the annual rates for DUI auto insurance in Charleston, Arkansas to find the best deal.

Annual Auto Insurance Rates After a DUI in Charleston, Arkansas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,096
Farmers $4,569
GEICO $5,082
Liberty Mutual $5,017
Nationwide $4,865
Progressive $4,445
State Farm $2,523
Travelers $7,012
USAA $2,864

Cheap Charleston, Arkansas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Charleston, Arkansas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Charleston, Arkansas

Insurance Company Poor Fair Good
Allstate $5,551 $4,262 $3,463
Farmers $4,899 $4,118 $3,922
GEICO $3,926 $3,228 $2,678
Liberty Mutual $5,558 $3,375 $2,640
Nationwide $4,238 $3,407 $3,105
Progressive $5,558 $4,748 $4,418
State Farm $3,652 $2,201 $1,715
Travelers $6,336 $5,295 $4,951
USAA $2,686 $1,849 $1,582

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Cheap Charleston, Arkansas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Charleston, Arkansas can vary. Compare the annual cost of auto insurance by ZIP code in Charleston, Arkansas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Charleston, Arkansas

ZIP Code Average Annual Rates
72933 $3,930

Cheap Charleston, Arkansas Auto Insurance Rates By Commute

Commute length and annual mileage affect Charleston, Arkansas auto insurance. Find the cheapest annual Charleston, Arkansas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Charleston, Arkansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,425 $4,425
Farmers $4,313 $4,313
GEICO $3,255 $3,300
Liberty Mutual $3,857 $3,857
Nationwide $3,583 $3,583
Progressive $4,908 $4,908
State Farm $2,461 $2,585
Travelers $5,527 $5,527
USAA $1,982 $2,097

Cheap Charleston, Arkansas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Charleston, Arkansas? Check out the comparison of annual Charleston, Arkansas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Charleston, Arkansas

Insurance Company Low Medium High
Allstate $4,300 $4,422 $4,553
Farmers $4,103 $4,269 $4,567
GEICO $3,146 $3,277 $3,409
Liberty Mutual $3,721 $3,829 $4,022
Nationwide $3,614 $3,513 $3,623
Progressive $4,517 $4,830 $5,377
State Farm $2,377 $2,520 $2,671
Travelers $5,267 $5,542 $5,772
USAA $1,941 $2,031 $2,146

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Best By Category: Cheapest Auto Insurance in Charleston, Arkansas

Compare the cheapest auto insurance companies in Charleston, Arkansas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Charleston, 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

The Cheapest Charleston, Arkansas Auto Insurance Companies

What auto insurance companies in Charleston, Arkansas are the cheapest? Compare the top Charleston, Arkansas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Charleston, Arkansas

Insurance Company Average Annual Rates
Allstate $4,425
Farmers $4,313
GEICO $3,277
Liberty Mutual $3,857
Nationwide $3,583
Progressive $4,908
State Farm $2,523
Travelers $5,527
USAA $2,039

What affects auto insurance rates in Charleston, Arkansas?

There are a lot of reasons why auto insurance rates in Charleston, Arkansas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Charleston, Arkansas. Many local factors may affect your Charleston auto insurance rates.

Charleston Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Charleston, Arkansas commute length is 25.1 minutes according to City-Data.

Charleston Traffic

How does Charleston, Arkansas rank for traffic? According to Inrix Charleston, Arkansas is the 649th most congested worldwide.

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Compare Charleston, Arkansas Auto Insurance Quotes

Before you buy Charleston, Arkansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Charleston, Arkansas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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