Buy Cheap Horatio, AR Auto Insurance (2021)

Horatio, AR auto insurance rates average $349 a month. Minimum auto insurance requirements in Horatio, Arkansas are 25/50/25 to comply with Arkansas laws. To buy cheap auto insurance in Horatio, AR, compare Horatio auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Horatio, AR after a DUI are $5,048/year
  • Average auto insurance rates in Horatio, AR for teens drivers are $8,451/year
  • Average auto insurance rates in Horatio, AR are $349/month

Finding affordable Horatio, Arkansas auto insurance can be challenging, but everything you need to know to buy cheap Horatio, AR auto insurance with confidence is right here. Auto insurance rates in Horatio are affected by local factors as well as personal ones like your driving record.

See how Horatio, AR car insurance rates compare to Rogers auto insurance rates, Conway auto insurance rates, and Hot Springs auto insurance rates before you read more about the cost of auto insurance in Horatio.

Don’t buy Horatio, AR auto insurance until you’ve compared rates. Get free Horatio, Arkansas auto insurance quotes when you enter your ZIP code above.

Horatio, AR Minimum Auto Insurance Requirements

The required auto insurance in Horatio, AR is 25/50/25 according to the auto insurance laws in Arkansas. The minimum auto insurance in Horatio, Arkansas is outlined here.

Minimum Required Auto Insurance Coverage in Horatio, 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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Find Cheap Horatio, AR Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Horatio, AR. Take a look at Horatio, Arkansas auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Horatio, Arkansas

Insurance Company Poor Fair Good
Allstate $6,840 $5,213 $4,231
Farmers $4,855 $4,066 $3,874
GEICO $4,411 $3,620 $3,007
Liberty Mutual $6,104 $3,677 $2,880
Nationwide $4,545 $3,642 $3,312
Progressive $5,670 $4,826 $4,485
State Farm $4,381 $2,635 $2,050
Travelers $7,042 $5,865 $5,478
USAA $2,786 $1,896 $1,613

Buy Cheap Horatio, AR Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Horatio, Arkansas auto insurance rates? Find out how car insurance rates in Horatio, AR are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Horatio, 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 $3,149 $3,200 $2,774 $2,977 $10,925 $13,011 $3,529 $3,860
Farmers $2,329 $2,319 $2,082 $2,188 $9,685 $10,039 $2,667 $2,812
GEICO $2,750 $2,731 $2,547 $2,475 $6,742 $6,800 $2,677 $2,714
Liberty Mutual $2,462 $2,637 $2,330 $2,596 $8,693 $9,570 $2,669 $2,804
Nationwide $2,641 $2,703 $2,364 $2,513 $6,216 $7,979 $3,000 $3,248
Progressive $2,656 $2,522 $2,181 $2,279 $11,139 $12,554 $3,179 $3,441
State Farm $1,929 $1,929 $1,713 $1,713 $5,415 $6,820 $2,170 $2,489
Travelers $2,318 $2,366 $2,269 $2,280 $13,212 $21,234 $2,468 $2,881
USAA $1,302 $1,317 $1,204 $1,215 $4,031 $4,231 $1,676 $1,810

Buy Cheap Horatio, AR Auto Insurance for Teen Drivers

Auto insurance for teenagers in Horatio can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Horatio, AR are listed here.

Annual Auto Insurance Rates for Teen Drivers in Horatio, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,925 $13,011
Farmers $9,685 $10,039
GEICO $6,742 $6,800
Liberty Mutual $8,693 $9,570
Nationwide $6,216 $7,979
Progressive $11,139 $12,554
State Farm $5,415 $6,820
Travelers $13,212 $21,234
USAA $4,031 $4,231

Buy Cheap Horatio, AR Auto Insurance for Seniors

You can save on senior auto insurance rates in Horatio, Arkansas by comparing Horatio senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Horatio, AR here.

Annual Auto Insurance Rates for Senior Drivers in Horatio, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,774 $2,977
Farmers $2,082 $2,188
GEICO $2,547 $2,475
Liberty Mutual $2,330 $2,596
Nationwide $2,364 $2,513
Progressive $2,181 $2,279
State Farm $1,713 $1,713
Travelers $2,269 $2,280
USAA $1,204 $1,215

Find Cheap Auto Insurance Rates in Horatio, AR by Coverage Level

The amount of coverage you choose is a big factor in the cost of Horatio, Arkansas auto insurance. Compare Horatio, AR auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Horatio, Arkansas

Insurance Company Low Medium High
Allstate $5,307 $5,426 $5,551
Farmers $4,060 $4,222 $4,513
GEICO $3,545 $3,679 $3,815
Liberty Mutual $4,093 $4,195 $4,373
Nationwide $3,882 $3,758 $3,859
Progressive $4,616 $4,915 $5,451
State Farm $2,892 $3,019 $3,155
Travelers $5,846 $6,146 $6,393
USAA $2,022 $2,092 $2,182

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Find Cheap Horatio, AR Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Horatio. Compare auto insurance rates in Horatio, AR by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Horatio, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,428 $5,428
Farmers $4,265 $4,265
GEICO $3,661 $3,698
Liberty Mutual $4,220 $4,220
Nationwide $3,833 $3,833
Progressive $4,994 $4,994
State Farm $2,951 $3,093
Travelers $6,128 $6,128
USAA $2,039 $2,158

Find Cheap Horatio, AR Auto Insurance Rates by Driving Record

Auto insurance rates in Horatio, Arkansas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Horatio, AR, take a look at the average cost for various violations versus rates for a clean driving record in Horatio.

Annual Horatio, Arkansas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,522 $5,642 $6,202 $5,346
Farmers $3,607 $4,617 $4,511 $4,324
GEICO $2,472 $3,823 $5,763 $2,660
Liberty Mutual $2,875 $4,670 $5,469 $3,867
Nationwide $2,966 $3,853 $5,241 $3,273
Progressive $4,306 $5,976 $4,524 $5,169
State Farm $2,784 $3,261 $3,022 $3,022
Travelers $5,141 $5,312 $7,748 $6,312
USAA $1,614 $2,040 $2,949 $1,791

Find Cheap Horatio, AR Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Horatio, Arkansas is higher than for a clean driving record. You can buy auto insurance after a DUI in Horatio for less when you shop around and compare rates from multiple Horatio, AR auto insurance companies.

Annual Auto Insurance Rates After a DUI in Horatio, Arkansas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,202
Farmers $4,511
GEICO $5,763
Liberty Mutual $5,469
Nationwide $5,241
Progressive $4,524
State Farm $3,022
Travelers $7,748
USAA $2,949

Winners by Category: Where to Buy Cheap Auto Insurance in Horatio, AR

Compare rates from the cheapest auto insurance companies in Horatio, AR for your needs. Take a look at how Horatio, Arkansas auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Horatio, Arkansas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Find Cheap Horatio, Arkansas Auto Insurance Companies

If you’re looking for the cheapest Horatio, AR auto insurance companies overall, you can compare them here. Find the best price for Horatio, Arkansas car insurance by company.

Average Annual Auto Insurance Rates by Company in Horatio, Arkansas

Insurance Company Average Annual Rates
Allstate $5,428
Farmers $4,265
GEICO $3,679
Liberty Mutual $4,220
Nationwide $3,833
Progressive $4,994
State Farm $3,022
Travelers $6,128
USAA $2,098

What affects Horatio, Arkansas auto insurance rates?

Local factors affect auto insurance rates in Horatio, AR, including traffic, theft statistics, and commute length. Take a look at the things that impact Horatio auto insurance rates.

Commute Times in Horatio

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Horatio, AR is 24.1 minutes according to City-Data.

Compare Auto Insurance Quotes in Horatio, AR

You can buy cheap Horatio, AR auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Horatio, Arkansas auto insurance quotes from top companies.

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