Because the topic is car insurance, the words “cheap” or “affordable” should not be used anywhere in the article as a descriptor for car insurance rates. Notwithstanding, cheap car insurance for postal workers can be hard, if not impossible, to find. Don’t get your dauber down, because we can show you some ways you can still find and buy car insurance that you are able to afford.
The vehicle requiring coverage is one of the largest considerations when consumers are trying to find the best cheap car insurance for postal workers in Arkansas. Vehicles with average performance, an excellent safety record, or a positive history of liability claims will cost significantly less to insure than adrenaline junky models. The information below estimates auto insurance costs for the cheaper automobiles to buy insurance for.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu LTZ | $968 | $484 | $81 |
Ford Focus S 4-Dr Sedan | $878 | $439 | $73 |
Ford Fusion Sport 4-Dr Sedan | $968 | $484 | $81 |
Hyundai Elantra GLS 4-Dr Sedan | $948 | $474 | $79 |
Hyundai Sonata SE 4-Dr Sedan | $1,012 | $506 | $84 |
Nissan Altima 2.5 4-Dr Sedan | $900 | $450 | $75 |
Toyota Camry SE | $948 | $474 | $79 |
Toyota Corolla S | $948 | $474 | $79 |
Volkswagen Jetta SE 2.5 Station Wagon | $898 | $449 | $75 |
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arkansas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rates do not factor in zip code location which can change rates considerably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Acura MDX with Tech Package 4WD | $988 | $494 | $82 |
BMW X5 3.0I AWD | $988 | $494 | $82 |
Cadillac Escalade Platinum Edition 4WD | $1,244 | $622 | $104 |
Chevrolet Traverse LTZ 2WD | $850 | $425 | $71 |
Ford Escape XLT 2WD | $760 | $380 | $63 |
Ford Explorer XLT 4WD | $852 | $426 | $71 |
GMC Acadia SL AWD | $852 | $426 | $71 |
Honda CR-V EX 2WD | $760 | $380 | $63 |
Honda Pilot Touring 4WD | $920 | $460 | $77 |
Jeep Grand Cherokee Limited 2WD | $968 | $484 | $81 |
Kia Sportage LX | $900 | $450 | $75 |
Lexus RX 350 2WD | $1,102 | $551 | $92 |
Toyota Highlander 2WD | $852 | $426 | $71 |
Toyota RAV4 Limited 4WD | $900 | $450 | $75 |
Volvo XC90 3.2 2WD | $968 | $484 | $81 |
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arkansas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Prices do not factor in vehicle garaging location which can influence prices noticeably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Colorado LT Crew Cab 4WD | $830 | $415 | $69 |
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $968 | $484 | $81 |
Chevrolet Silverado LTZ Extended Cab 2WD | $1,032 | $516 | $86 |
Dodge Ram 2500 Crew Cab ST 4WD | $1,052 | $526 | $88 |
Dodge Ram Crew Cab Sport 2WD | $1,052 | $526 | $88 |
Ford F-150 FX4 4WD | $920 | $460 | $77 |
Ford F-350 Crew Cab Lariat 4WD | $1,274 | $637 | $106 |
GMC Sierra 3500HD SLT Crew Cab 2WD | $1,058 | $529 | $88 |
GMC Sierra SLE Extended Cab 4WD | $968 | $484 | $81 |
Toyota Tundra Regular Cab 4WD | $984 | $492 | $82 |
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arkansas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in vehicle location which can affect rates considerably.
Finding low-priced auto insurance is not most people’s favorite thing to do, and deciding which companies have the cheapest insurance rates for postal workers may require even more diligence. Every insurance company has a proprietary method for setting rates, so let’s take a look at the lowest cost insurance companies in Arkansas.
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Rank | Company | Cost Per Year |
---|---|---|
1 | USAA | $991 |
2 | Auto Club | $1,035 |
3 | Travelers | $1,104 |
4 | Southern Farm Bureau | $1,189 |
5 | State Farm | $1,224 |
6 | Columbia Insurance | $1,272 |
7 | Safeco | $1,317 |
8 | Farmers | $1,342 |
9 | Cameron Mutual | $1,369 |
10 | State Auto | $1,390 |
11 | Auto-Owners | $1,415 |
12 | Shelter | $1,476 |
13 | Progressive | $1,626 |
14 | GEICO | $1,815 |
15 | Nationwide | $2,071 |
16 | Liberty Mutual | $2,186 |
17 | MetLife | $2,441 |
18 | ALFA | $2,504 |
19 | Allstate | $2,565 |
20 | Home State | $2,664 |
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USAA generally has some of the lowest car insurance rates in Arkansas at around $991 annually. Auto Club, Travelers, Southern Farm Bureau, and State Farm would also be considered some of the most economical Arkansas car insurance companies.
As the rates illustrate above, if you buy coverage from Auto Club and switched to USAA, you might see an annual savings of in the vicinity of $44. Policyholders with Travelers may save as much as $113 a year, and Southern Farm Bureau customers might cut rates by $198 a year.
These policy rates are averaged for all types of insureds and vehicles and do not take into consideration a rate discount for postal workers. So the insurer that can offer you the best rate may not even be included in the chart above. That point stresses why you need to get auto insurance quotes using your own specific driver and vehicle information.
If you’re looking for the best auto insurance for postal employees in Arkansas, four companies to definitely compare rates with are State Farm, Progressive, Geico, and Allstate. When combined, they make up almost half of all vehicles in the U.S.. All four can cover your vehicle for liability and physical damage, but each one has different features and discounts that buyers can select from. The following table ranks price and claims rank as well as some different options you can expect with each one.
State Farm | Progressive | Geico | Allstate | |
---|---|---|---|---|
Policy Discounts | 3rd | 4th | 2nd | 1st |
Policy Cost | 2nd | 3rd | 1st | 4th |
Handling of Claims | 2nd | 4th | 3rd | 1st |
Customer Satisfaction | 4th | 3rd | 1st | 2nd |
U.S. market share | 18.3% | 8.8% | 11.4% | 10% |
A.M. Best financial rating | A++ | A+ | A++ | A+ |
Mechnical breakdown | No | Yes | Yes | No |
Emergency roadside assistance | Yes | Yes | Yes | Yes |
Accident forgiveness coverage | No | Yes | Yes | Yes |
Usage-based insurance | Yes | Yes | No | Yes |
Uber and Lyft insurance | Yes | Yes | Yes | Yes |
New car replacement insurance | No | No | No | Yes |
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