Best West Memphis, Arkansas Auto Insurance in 2025
The average West Memphis, AR auto insurance rates are $357 per month. The minimum auto insurance in West Memphis is at least 25/50/25 in coverage to comply with Arkansas auto insurance laws. To find the best cheap auto insurance in West Memphis, Arkansas, compare quotes from multiple companies.
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Table of Contents
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Laura D. Adams
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Jeff Root
Updated October 2024
- The minimum auto insurance required in West Memphis, Arkansas is 25/50/25
- Average auto insurance rates in West Memphis, AR for senior drivers are $2,209 per year
- The most expensive auto insurance company in West Memphis for teen drivers is Travelers
West Memphis, Arkansas auto insurance requirements are 25/50/25 according to Arkansas auto insurance laws. Finding cheap auto insurance in West Memphis 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 West Memphis, Arkansas, including driving record, credit, commute time, and more.
Compare auto insurance in West Memphis to other Arkansas cities, including Conway auto insurance rates, Springdale auto insurance rates, and Fayetteville auto insurance rates to see how West Memphis, Arkansas auto insurance rates stack up.
Before you buy West Memphis, Arkansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free West Memphis, Arkansas auto insurance quotes.
Minimum Auto Insurance in West Memphis, Arkansas
West Memphis, 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 West Memphis, Arkansas.
Minimum Required Auto Insurance Coverage in West Memphis, 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 West Memphis, Arkansas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in West Memphis, 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 West Memphis, 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 | $3,192 | $3,207 | $2,850 | $3,048 | $11,899 | $14,299 | $3,516 | $3,818 |
| Farmers | $2,244 | $2,233 | $2,004 | $2,111 | $9,555 | $9,901 | $2,569 | $2,700 |
| Geico | $2,498 | $2,467 | $2,303 | $2,239 | $6,597 | $6,603 | $2,461 | $2,495 |
| Liberty Mutual | $2,387 | $2,555 | $2,288 | $2,555 | $8,580 | $9,444 | $2,575 | $2,688 |
| Nationwide | $2,685 | $2,734 | $2,411 | $2,546 | $6,539 | $8,331 | $3,077 | $3,318 |
| Progressive | $2,672 | $2,523 | $2,200 | $2,300 | $11,497 | $12,946 | $3,193 | $3,453 |
| State Farm | $1,873 | $1,873 | $1,695 | $1,695 | $5,633 | $7,082 | $2,116 | $2,421 |
| Travelers | $2,365 | $2,406 | $2,355 | $2,359 | $14,148 | $22,752 | $2,542 | $2,907 |
| USAA | $1,511 | $1,522 | $1,404 | $1,406 | $4,924 | $5,141 | $1,955 | $2,101 |
Cheap West Memphis, Arkansas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in West Memphis, Arkansas is a challenge. Take a look at the annual teen auto insurance rates in West Memphis, Arkansas.
Annual Auto Insurance Rates for Teen Drivers in West Memphis, Arkansas
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,899 | $14,299 |
| Farmers | $9,555 | $9,901 |
| Geico | $6,597 | $6,603 |
| Liberty Mutual | $8,580 | $9,444 |
| Nationwide | $6,539 | $8,331 |
| Progressive | $11,497 | $12,946 |
| State Farm | $5,633 | $7,082 |
| Travelers | $14,148 | $22,752 |
| USAA | $4,924 | $5,141 |
Cheap West Memphis, Arkansas Auto Insurance for Seniors
What are senior auto insurance rates in West Memphis, Arkansas? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in West Memphis, Arkansas
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,850 | $3,048 |
| Farmers | $2,004 | $2,111 |
| Geico | $2,303 | $2,239 |
| Liberty Mutual | $2,288 | $2,555 |
| Nationwide | $2,411 | $2,546 |
| Progressive | $2,200 | $2,300 |
| State Farm | $1,695 | $1,695 |
| Travelers | $2,355 | $2,359 |
| USAA | $1,404 | $1,406 |
Cheap West Memphis, 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 West Memphis, Arkansas compared to the annual auto insurance rates with a clean record in West Memphis, Arkansas.
Annual West Memphis, Arkansas Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,702 | $5,941 | $6,627 | $5,646 |
| Farmers | $3,519 | $4,516 | $4,411 | $4,214 |
| Geico | $2,354 | $3,600 | $5,344 | $2,534 |
| Liberty Mutual | $2,812 | $4,582 | $5,360 | $3,782 |
| Nationwide | $3,076 | $3,976 | $5,382 | $3,387 |
| Progressive | $4,392 | $6,119 | $4,618 | $5,264 |
| State Farm | $2,784 | $3,313 | $3,048 | $3,048 |
| Travelers | $5,423 | $5,602 | $8,233 | $6,658 |
| USAA | $1,907 | $2,431 | $3,526 | $2,117 |
Cheap West Memphis, Arkansas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in West Memphis, Arkansas is not easy. Compare the annual rates for DUI auto insurance in West Memphis, Arkansas to find the best deal.
Annual Auto Insurance Rates After a DUI in West Memphis, Arkansas
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,627 |
| Farmers | $4,411 |
| Geico | $5,344 |
| Liberty Mutual | $5,360 |
| Nationwide | $5,382 |
| Progressive | $4,618 |
| State Farm | $3,048 |
| Travelers | $8,233 |
| USAA | $3,526 |
Cheap West Memphis, Arkansas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how West Memphis, Arkansas annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in West Memphis, Arkansas
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,200 | $5,518 | $4,468 |
| Farmers | $4,735 | $3,974 | $3,785 |
| Geico | $4,142 | $3,407 | $2,825 |
| Liberty Mutual | $5,978 | $3,605 | $2,820 |
| Nationwide | $4,672 | $3,764 | $3,430 |
| Progressive | $5,765 | $4,934 | $4,595 |
| State Farm | $4,419 | $2,658 | $2,068 |
| Travelers | $7,425 | $6,208 | $5,805 |
| USAA | $3,305 | $2,257 | $1,924 |
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Cheap West Memphis, Arkansas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in West Memphis, Arkansas can vary. Compare the annual cost of auto insurance by ZIP code in West Memphis, Arkansas to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in West Memphis, Arkansas
| ZIP Code | Average Annual Rates |
|---|---|
| 72301 | $4,384 |
Cheap West Memphis, Arkansas Auto Insurance Rates By Commute
Commute length and annual mileage affect West Memphis, Arkansas auto insurance. Find the cheapest annual West Memphis, Arkansas auto insurance by commute length.
Annual Auto Insurance Rates by Commute Length in West Memphis, Arkansas
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,729 | $5,729 |
| Farmers | $4,165 | $4,165 |
| Geico | $3,433 | $3,484 |
| Liberty Mutual | $4,134 | $4,134 |
| Nationwide | $3,955 | $3,955 |
| Progressive | $5,098 | $5,098 |
| State Farm | $2,972 | $3,125 |
| Travelers | $6,479 | $6,479 |
| USAA | $2,425 | $2,566 |
Cheap West Memphis, Arkansas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in West Memphis, Arkansas? Check out the comparison of annual West Memphis, Arkansas auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in West Memphis, Arkansas
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,573 | $5,725 | $5,888 |
| Farmers | $3,944 | $4,118 | $4,432 |
| Geico | $3,290 | $3,457 | $3,627 |
| Liberty Mutual | $3,986 | $4,103 | $4,313 |
| Nationwide | $3,970 | $3,872 | $4,023 |
| Progressive | $4,644 | $5,002 | $5,648 |
| State Farm | $2,872 | $3,047 | $3,226 |
| Travelers | $6,153 | $6,496 | $6,789 |
| USAA | $2,392 | $2,487 | $2,608 |
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Best By Category: Cheapest Auto Insurance in West Memphis, Arkansas
Compare the cheapest auto insurance companies in West Memphis, Arkansas in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in West Memphis, 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 West Memphis, Arkansas Auto Insurance Companies
What auto insurance companies in West Memphis, Arkansas are the cheapest? Compare the top West Memphis, Arkansas auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in West Memphis, Arkansas
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,729 |
| Farmers | $4,165 |
| Geico | $3,458 |
| Liberty Mutual | $4,134 |
| Nationwide | $3,955 |
| Progressive | $5,098 |
| State Farm | $3,048 |
| Travelers | $6,479 |
| USAA | $2,495 |
What affects auto insurance rates in West Memphis, Arkansas?
There are a lot of reasons why auto insurance rates in West Memphis, Arkansas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in West Memphis, Arkansas. Many local factors may affect your West Memphis auto insurance rates.
West Memphis Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average West Memphis, Arkansas commute length is 18.1 minutes according to City-Data.
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Compare West Memphis, Arkansas Auto Insurance Quotes
Before you buy West Memphis, Arkansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free West Memphis, Arkansas auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in West Memphis, Arkansas?
In West Memphis, Arkansas, the minimum auto insurance requirements are 25/50/25, which means you need at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
How much is the average auto insurance rate in West Memphis, AR?
The average auto insurance rate in West Memphis, Arkansas is $357 per month.
How does age, gender, and marital status affect auto insurance rates in West Memphis, Arkansas?
Age, gender, and marital status can impact auto insurance rates in West Memphis, Arkansas. Generally, married individuals and older drivers may qualify for lower rates compared to single or younger drivers. However, rates can vary among insurance companies, so it’s important to shop around for the best rates.
How much does auto insurance cost for teen drivers in West Memphis, Arkansas?
Auto insurance for teen drivers in West Memphis, Arkansas tends to be more expensive. The annual rates for single 17-year-old female drivers range from $4,924 to $14,148, while for single 17-year-old male drivers, the rates range from $5,141 to $22,752, depending on the insurance company.
How do ZIP codes and commute length affect auto insurance rates in West Memphis, Arkansas?
Auto insurance rates in West Memphis, Arkansas can vary based on ZIP codes and commute length. The annual rates may differ depending on where you live and how far you commute. It’s recommended to compare quotes from different ZIP codes and consider your commute length when obtaining auto insurance.
How does credit history affect auto insurance rates in West Memphis, Arkansas?
Credit history can have a major effect on auto insurance rates in West Memphis, Arkansas. Generally, individuals with better credit scores tend to receive lower rates. Poor credit can lead to higher insurance premiums.
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