Best Cheap Car Insurance for 19 Year Olds in Arkansas

For Arkansas drivers, one of the factors that help determine the amount you pay each year for auto insurance is where you call home in Arkansas. Areas with increased crime or more people like Little Rock, Texarkana, and West Memphis tend to pay higher rates, whereas areas that tend to be more rural have the enjoyment of a little cheaper coverage.

The information below sorts the highest-priced areas in Arkansas for 19 year olds to purchase a policy in.

Rate information is approximated as the specific area where the vehicle is garaged can change auto insurance rates noticeably.

Determining which companies have the cheapest car insurance rates for 19 year olds takes a tad more effort than just quoting one company’s rates.

Every insurance provider has their own guidelines to determine rates, so we’ll go over the most affordable car insurance companies in Arkansas. It’s a good idea to be aware that Arkansas car insurance rates are influenced by many factors that can increase the price you have to pay for coverage. Improving your credit score, adding a teenager to your policy, or getting a ticket for careless driving can produce rate changes that can make some companies affordable when they were higher priced.

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USAA offers some of the cheapest car insurance rates in Arkansas at around $991 a year. Auto Club, Travelers, Southern Farm Bureau, and State Farm would also make the list of some of the most economical Arkansas insurance companies.

As shown in the rates above, if you currently have coverage with Auto Club and switched to USAA, you could see annual savings of roughly $14. Policyholders with Travelers could save as much as $102 a year, and Southern Farm Bureau policyholders might reduce rates by $234 a year.

Understand that those premium estimates are averaged across all drivers and vehicles in Arkansas and and are not figured with a rate surcharge for 19 year olds. So the auto insurance company that fits your needs best may not even be included in the above rate chart. That helps illustrate why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

The vehicle that is being insured is one of the biggest factors when comparison shopping for low-priced auto insurance for 19 year olds. Vehicles with high performance features, a lack of safety features, or a history of substantial liability claims will cost substantially more to insure than more modest models.

The list below presents coverage rates for a selection of the most economical vehicles to insure in Arkansas.

Data assumes single male driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Arkansas minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can affect premium rates considerably.

Based upon the table data, you can expect vehicles like the Ford Escape, Honda CR-V, and Chevrolet Traverse are likely to be a few of the most affordable vehicles to insure for teenage drivers. The price for an auto insurance policy will tend to be more expensive just due to the fact that there is more claim exposure for 19 year olds, but generally speaking those particular vehicles will most likely have the least expensive rates compared to other types of vehicles.

Who is cheaper: Progressive, State Farm, Allstate, or Geico?

When it comes to car insurance for teenage drivers, the four most popular companies are Progressive, State Farm, Allstate, and Geico. The table below shows some of the different features that are available.