Buy Cheap Stephens, AR Auto Insurance (2022)

Stephens, AR auto insurance rates average $349 a month. Minimum auto insurance requirements in Stephens, Arkansas are 25/50/25 to comply with Arkansas laws. To buy cheap auto insurance in Stephens, AR, compare Stephens 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 Stephens, AR after a DUI are $5,046/year
  • The most expensive auto insurance company in Stephens after a DUI is Travelers
  • Average auto insurance rates in Stephens, AR are $349/month

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

See how Stephens, AR car insurance rates compare to Bentonville auto insurance rates, Hot Springs auto insurance rates, and Jonesboro auto insurance rates before you read more about the cost of auto insurance in Stephens.

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

Stephens, AR Minimum Auto Insurance Requirements

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

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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Find Cheap Stephens, AR Auto Insurance by Credit History

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

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

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

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

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

Buy Cheap Stephens, AR Auto Insurance for Teen Drivers

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

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

Buy Cheap Stephens, AR Auto Insurance for Seniors

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

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

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

The amount of coverage you choose is a big factor in the cost of Stephens, Arkansas auto insurance. Compare Stephens, AR 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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Find Cheap Stephens, AR Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Stephens, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Stephens, AR Auto Insurance Rates by Driving Record

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

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

Find Cheap Stephens, AR Auto Insurance Rates After a DUI

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

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

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

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

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

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Find Cheap Stephens, Arkansas Auto Insurance Companies

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

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 Stephens, Arkansas auto insurance rates?

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

Commute Times in Stephens

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Stephens, AR is 28.7 minutes according to City-Data.

Compare Auto Insurance Quotes in Stephens, AR

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

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