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Car Insurance In Jonesboro, Arkansas

Explore the best car insurance options in Jonesboro, Arkansas for comprehensive coverage and savings

Car Insurance Rates in Jonesboro, Arkansas are higher than both the state and national averages

Car Insurance Rates in Jonesboro, Arkansas

Jonesboro drivers pay on average $248 for full coverage insurance and $117 for liability-only coverage.

An increase in claims in recent years and above-average vehicular fatalities have pushed rates up quite a bit in Jonesboro. The good news is you can get cheaper coverage in Jonesboro by shopping around and taking advantage of multiple discounts.

Average Car Insurance Rates in Jonesboro, Arkansas

According to recent data from the Arkansas Insurance Department, the average annual cost for car insurance in Jonesboro is as follows:

Full Coverage: – Average Annual Rate: $2,976

Liability Coverage: – Average Annual Rate: $1,404

It’s important to note that these rates are based on statewide averages and can vary depending on factors such as your driving record, age, vehicle make and model, and the level of coverage you choose.

Types of Auto Insurance Coverage

To ensure comprehensive protection, it’s essential to understand the different types of car insurance coverage available in Jonesboro:
  1. Liability Coverage:
    Liability coverage is required by law in Arkansas and is divided into two parts:
    – Bodily Injury Liability: This coverage pays for injuries to others if you’re found legally responsible for an accident.
    – Property Damage Liability: This coverage pays for damage to another person’s property, such as their vehicle or other structures, if you’re found legally responsible.
  2. Collision Coverage:
    Collision coverage pays for repairs to your vehicle if it’s damaged in a collision with another vehicle or object, regardless of who is at fault.
  3. Comprehensive Coverage:
    Comprehensive coverage protects your vehicle from non-collision-related incidents, such as theft, vandalism, fire, or damage caused by falling objects or natural disasters.
  4. Uninsured/Underinsured Motorist Coverage:
    This coverage protects you if you’re involved in an accident with a driver who has insufficient or no insurance to cover the damages.
  5. Personal Injury Protection (PIP):
    PIP coverage pays for medical expenses, lost wages, and other related costs for you and your passengers, regardless of who is at fault in an accident.
  6. Rental Car Coverage:
    If your vehicle is in the shop for repairs after an accident, rental car coverage helps cover the cost of a rental vehicle during that time.
  7. Roadside Assistance:
    This coverage provides services like towing, jump-starts, tire changes, and lockout assistance if your vehicle breaks down or is involved in an accident.

Top Car Insurers in Jonesboro, Arkansas

Jonesboro is served by numerous national and regional car insurance providers. Here are the top 10 insurers in the area, based on market share:

  1. State Farm
  2. Allstate
  3. Progressive
  4. GEICO
  5. Farmers Insurance
  6. Nationwide
  7. Liberty Mutual
  8. Travelers
  9. American Family Insurance
  10. USAA (available to military members and their families)

Top Car Insurance Agencies in Jonesboro, Arkansas

In addition to major insurers, Jonesboro has several local insurance agencies that can provide personalized service and help you find the best coverage for your needs. Here are the top 10 car insurance agencies in the area, along with their addresses and phone numbers:

  1. Arkansas Insurance Services
    Address: 2615 Browning Ave, Jonesboro, AR 72401
    Phone: (870) 933-7388
  2. Rainwater Insurance
    Address: 1521 Highland Dr, Jonesboro, AR 72401
    Phone: (870) 935-1590
  3. Stephens Insurance Agency
    Address: 2918 S Caraway Rd, Jonesboro, AR 72401
    Phone: (870) 932-1242
  4. Farmers Insurance – Brian Douglas
    Address: 1411 E Nettleton Ave, Jonesboro, AR 72401
    Phone: (870) 932-5566
  5. Allstate Insurance – Rodney Jordan
    Address: 2301 Woodsprings Rd, Jonesboro, AR 72401
    Phone: (870) 932-5333
  6. State Farm Insurance – Tim Whitmire
    Address: 2311 Browns Ln, Jonesboro, AR 72401
    Phone: (870) 932-7381
  7. Arkansas Insurance Mart
    Address: 2814 Fair Park Blvd, Jonesboro, AR 72401
    Phone: (870) 932-1234
  8. Farmers Insurance – John Davis
    Address: 3300 E Highland Dr, Jonesboro, AR 72401
    Phone: (870) 935-9999
  9. Shelter Insurance – Kelly Frazier
    Address: 3706 E Nettleton Ave, Jonesboro, AR 72401
    Phone: (870) 933-9321
  10. Farm Bureau Insurance – Brandon Bawon
    Address: 1902 S Caraway Rd, Jonesboro, AR 72401
    Phone: (870) 932-6471

Factors Affecting Car Insurance Rates in Jonesboro

Several factors influence the cost of car insurance in Jonesboro, Arkansas. Some of the most significant factors include:

  1. Driving Record: A clean driving record with no accidents or traffic violations can help keep your rates lower, while a history of accidents or citations can lead to higher premiums.
  2. Age and Experience: Younger and less experienced drivers typically pay higher rates due to their increased risk of being involved in an accident.
  3. Vehicle Make and Model: The type of vehicle you drive can impact your insurance costs. Newer, more expensive vehicles generally have higher rates, while older or more affordable models tend to be less expensive to insure.
  4. Credit Score: In Arkansas, insurers are allowed to consider your credit score when determining your rates. A higher credit score can result in lower premiums, while a lower score may lead to higher rates.
  5. Zip Code: Your location can also affect your car insurance rates. Areas with higher rates of accidents, theft, or vandalism may have higher premiums.

Tips for Getting the Best Car Insurance Rates in Jonesboro, Arkansas

To help you save money on car insurance in Jonesboro, consider the following tips:

  1. Shop Around: Don’t settle for the first quote you receive. Compare rates from multiple insurers to find the best deal.
  2. Bundle Policies: Many insurers offer discounts for bundling multiple policies, such as auto and home insurance.
  3. Increase Deductibles: Raising your deductible can lower your monthly or annual premiums, but be sure to choose an amount you can comfortably afford to pay out-of-pocket if needed.
  4. Maintain a Good Credit Score: Keep your credit score in good standing, as this can help you qualify for lower rates.
  5. Take Advantage of Discounts: Many insurers offer discounts for good students, safe drivers, defensive driving courses, and more. Inquire about available discounts and see if you qualify.
  6. Consider Usage-Based Insurance: Some insurers offer usage-based insurance programs that track your driving habits and reward safe drivers with lower rates.
  7. Review Your Coverage Regularly: As your circumstances change, it’s essential to review your coverage and make adjustments as needed to ensure you’re not overpaying or underinsured.

The Final Word On Car Insurance in Jonesboro, Arkansas

Although car insurance rates in Jonesboro, Arkansas have been rising in recent years and are among some of the highest in the state, there are still ways drivers can save. By comparing at least ten quotes to see what carrier has the lowest rates for you and by getting multiple discounts, many drivers can get their rates lowered quite a bit. To compare auto insurance rates in Jonesboro, Arkansas, enter your zip code and fill out an online application in about five minutes. Get covered today for less and save hundreds on the coverage you need.