Best Cheap Auto Insurance in Stephens, AR (2021)

The average Stephens, AR auto insurance rates are $349 per month. The minimum auto insurance in Stephens is at least 25/50/25 in coverage to comply with Arkansas auto insurance laws. To find the best cheap auto insurance in Stephens, 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 most expensive auto insurance company in Stephens for teen drivers is Travelers
  • The average commute length in Stephens is 28.7 minutes
  • Average auto insurance rates in Stephens, AR for senior drivers are $2,229 per year

Stephens, Arkansas auto insurance requirements are 25/50/25 according to Arkansas auto insurance laws. Finding cheap auto insurance in Stephens 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 Stephens, Arkansas, including driving record, credit, commute time, and more.

Compare auto insurance in Stephens to other Arkansas cities, including Rogers auto insurance rates, Little Rock auto insurance rates, and Springdale auto insurance rates to see how Stephens, Arkansas auto insurance rates stack up.

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

Minimum Auto Insurance in Stephens, Arkansas

Stephens, 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 Stephens, Arkansas.

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

Auto insurance rates in Stephens, 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 Stephens, 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 $3,025 $3,073 $2,669 $2,863 $10,505 $12,510 $3,386 $3,699
Farmers $2,628 $2,617 $2,354 $2,464 $10,621 $11,002 $3,019 $3,204
GEICO $2,750 $2,731 $2,547 $2,475 $6,742 $6,800 $2,677 $2,714
Liberty Mutual $2,453 $2,631 $2,316 $2,583 $8,242 $9,071 $2,645 $2,778
Nationwide $2,641 $2,703 $2,364 $2,513 $6,216 $7,979 $3,000 $3,248
Progressive $2,780 $2,659 $2,282 $2,373 $11,183 $12,626 $3,331 $3,598
State Farm $1,817 $1,817 $1,610 $1,610 $5,036 $6,350 $2,043 $2,337
Travelers $2,281 $2,330 $2,220 $2,232 $12,711 $20,335 $2,423 $2,857
USAA $1,421 $1,437 $1,314 $1,327 $4,446 $4,665 $1,835 $1,983

Cheap Stephens, Arkansas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Stephens, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,505 $12,510
Farmers $10,621 $11,002
GEICO $6,742 $6,800
Liberty Mutual $8,242 $9,071
Nationwide $6,216 $7,979
Progressive $11,183 $12,626
State Farm $5,036 $6,350
Travelers $12,711 $20,335
USAA $4,446 $4,665

Cheap Stephens, Arkansas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Stephens, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,669 $2,863
Farmers $2,354 $2,464
GEICO $2,547 $2,475
Liberty Mutual $2,316 $2,583
Nationwide $2,364 $2,513
Progressive $2,282 $2,373
State Farm $1,610 $1,610
Travelers $2,220 $2,232
USAA $1,314 $1,327

Cheap Stephens, 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 Stephens, Arkansas compared to the annual auto insurance rates with a clean record in Stephens, Arkansas.

Annual Stephens, Arkansas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,346 $5,422 $5,960 $5,137
Farmers $4,006 $5,122 $5,001 $4,825
GEICO $2,472 $3,823 $5,763 $2,660
Liberty Mutual $2,810 $4,514 $5,277 $3,758
Nationwide $2,966 $3,853 $5,241 $3,273
Progressive $4,410 $6,078 $4,628 $5,300
State Farm $2,609 $3,047 $2,828 $2,828
Travelers $4,972 $5,137 $7,478 $6,106
USAA $1,769 $2,241 $3,240 $1,964

Cheap Stephens, Arkansas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Stephens, Arkansas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,960
Farmers $5,001
GEICO $5,763
Liberty Mutual $5,277
Nationwide $5,241
Progressive $4,628
State Farm $2,828
Travelers $7,478
USAA $3,240

Cheap Stephens, Arkansas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Stephens, Arkansas

Insurance Company Poor Fair Good
Allstate $6,569 $5,011 $4,068
Farmers $5,407 $4,511 $4,298
GEICO $4,411 $3,620 $3,007
Liberty Mutual $5,925 $3,555 $2,789
Nationwide $4,545 $3,642 $3,312
Progressive $5,825 $4,924 $4,563
State Farm $4,097 $2,466 $1,920
Travelers $6,815 $5,666 $5,290
USAA $3,059 $2,081 $1,771

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Cheap Stephens, Arkansas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Stephens, Arkansas

ZIP Code Average Annual Rates
71764 $4,257

Cheap Stephens, Arkansas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Stephens, Arkansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,216 $5,216
Farmers $4,739 $4,739
GEICO $3,661 $3,698
Liberty Mutual $4,090 $4,090
Nationwide $3,833 $3,833
Progressive $5,104 $5,104
State Farm $2,761 $2,895
Travelers $5,923 $5,923
USAA $2,237 $2,370

Cheap Stephens, Arkansas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Stephens, Arkansas

Insurance Company Low Medium High
Allstate $5,095 $5,214 $5,340
Farmers $4,547 $4,699 $4,971
GEICO $3,545 $3,679 $3,815
Liberty Mutual $3,957 $4,064 $4,249
Nationwide $3,882 $3,758 $3,859
Progressive $4,758 $5,034 $5,520
State Farm $2,706 $2,825 $2,952
Travelers $5,695 $5,942 $6,133
USAA $2,214 $2,296 $2,401

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Best By Category: Cheapest Auto Insurance in Stephens, Arkansas

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

Best Annual Auto Insurance Rates by Company in Stephens, 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 Stephens, Arkansas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Stephens, Arkansas

Insurance Company Average Annual Rates
Allstate $5,216
Farmers $4,739
GEICO $3,679
Liberty Mutual $4,090
Nationwide $3,833
Progressive $5,104
State Farm $2,828
Travelers $5,923
USAA $2,303

What affects auto insurance rates in Stephens, Arkansas?

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

Stephens Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Stephens, Arkansas commute length is 28.7 minutes according to City-Data.

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Compare Stephens, Arkansas Auto Insurance Quotes

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

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

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