Buy Cheap Melbourne, AR Auto Insurance in 2024
Melbourne, AR auto insurance rates average $351 a month. Minimum auto insurance requirements in Melbourne, Arkansas are 25/50/25 to comply with Arkansas laws. To buy cheap auto insurance in Melbourne, AR, compare Melbourne auto insurance quotes from top companies.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Melbourne, AR after a DUI are $5,040/year
- Average auto insurance rates in Melbourne, AR for teens drivers are $8,533/year
- Average auto insurance rates in Melbourne, AR are $351/month
Finding affordable Melbourne, Arkansas auto insurance can be challenging, but everything you need to know to buy cheap Melbourne, AR auto insurance with confidence is right here. Auto insurance rates in Melbourne are affected by local factors as well as personal ones like your driving record.
See how Melbourne, AR car insurance rates compare to Jonesboro auto insurance rates, Conway auto insurance rates, and Pine Bluff auto insurance rates before you read more about the cost of auto insurance in Melbourne.
Don’t buy Melbourne, AR auto insurance until you’ve compared rates. Get free Melbourne, Arkansas auto insurance quotes when you enter your ZIP code above.
Melbourne, AR Minimum Auto Insurance Requirements
The required auto insurance in Melbourne, AR is 25/50/25 according to the auto insurance laws in Arkansas. The minimum auto insurance in Melbourne, Arkansas is outlined here.
| 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 Melbourne, AR Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Melbourne, AR. Take a look at Melbourne, Arkansas auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,490 | $4,963 | $4,029 |
| Farmers | $5,141 | $4,294 | $4,092 |
| Geico | $4,238 | $3,481 | $2,890 |
| Liberty Mutual | $5,679 | $3,414 | $2,677 |
| Nationwide | $4,733 | $3,811 | $3,473 |
| Progressive | $6,590 | $5,598 | $5,200 |
| State Farm | $4,313 | $2,595 | $2,019 |
| Travelers | $6,816 | $5,680 | $5,307 |
| USAA | $2,718 | $1,857 | $1,583 |
Buy Cheap Melbourne, AR Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Melbourne, Arkansas auto insurance rates? Find out how car insurance rates in Melbourne, AR are impacted by demographics.
| 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 | $2,934 | $2,960 | $2,607 | $2,790 | $10,552 | $12,644 | $3,253 | $3,546 |
| Farmers | $2,488 | $2,481 | $2,228 | $2,335 | $10,147 | $10,522 | $2,851 | $3,017 |
| Geico | $2,606 | $2,582 | $2,408 | $2,340 | $6,591 | $6,629 | $2,550 | $2,586 |
| Liberty Mutual | $2,329 | $2,494 | $2,208 | $2,460 | $7,977 | $8,773 | $2,511 | $2,632 |
| Nationwide | $2,718 | $2,768 | $2,440 | $2,578 | $6,624 | $8,442 | $3,116 | $3,360 |
| Progressive | $3,098 | $2,949 | $2,542 | $2,653 | $12,869 | $14,514 | $3,715 | $4,028 |
| State Farm | $1,932 | $1,932 | $1,704 | $1,704 | $5,251 | $6,633 | $2,170 | $2,478 |
| Travelers | $2,231 | $2,275 | $2,195 | $2,203 | $12,826 | $20,596 | $2,381 | $2,767 |
| USAA | $1,270 | $1,283 | $1,179 | $1,188 | $3,960 | $4,148 | $1,633 | $1,761 |
Buy Cheap Melbourne, AR Auto Insurance for Teen Drivers
Auto insurance for teenagers in Melbourne can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Melbourne, AR are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,552 | $12,644 |
| Farmers | $10,147 | $10,522 |
| Geico | $6,591 | $6,629 |
| Liberty Mutual | $7,977 | $8,773 |
| Nationwide | $6,624 | $8,442 |
| Progressive | $12,869 | $14,514 |
| State Farm | $5,251 | $6,633 |
| Travelers | $12,826 | $20,596 |
| USAA | $3,960 | $4,148 |
Buy Cheap Melbourne, AR Auto Insurance for Seniors
You can save on senior auto insurance rates in Melbourne, Arkansas by comparing Melbourne senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Melbourne, AR here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,607 | $2,790 |
| Farmers | $2,228 | $2,335 |
| Geico | $2,408 | $2,340 |
| Liberty Mutual | $2,208 | $2,460 |
| Nationwide | $2,440 | $2,578 |
| Progressive | $2,542 | $2,653 |
| State Farm | $1,704 | $1,704 |
| Travelers | $2,195 | $2,203 |
| USAA | $1,179 | $1,188 |
Find Cheap Auto Insurance Rates in Melbourne, AR by Coverage Level
The amount of coverage you choose is a big factor in the cost of Melbourne, Arkansas auto insurance. Compare Melbourne, AR auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,030 | $5,158 | $5,294 |
| Farmers | $4,306 | $4,466 | $4,754 |
| Geico | $3,403 | $3,535 | $3,671 |
| Liberty Mutual | $3,798 | $3,899 | $4,073 |
| Nationwide | $4,022 | $3,922 | $4,073 |
| Progressive | $5,405 | $5,718 | $6,266 |
| State Farm | $2,855 | $2,973 | $3,099 |
| Travelers | $5,655 | $5,951 | $6,197 |
| USAA | $1,966 | $2,045 | $2,147 |
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Find Cheap Melbourne, AR Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Melbourne. Compare auto insurance rates in Melbourne, AR by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,161 | $5,161 |
| Farmers | $4,509 | $4,509 |
| Geico | $3,516 | $3,557 |
| Liberty Mutual | $3,923 | $3,923 |
| Nationwide | $4,006 | $4,006 |
| Progressive | $5,796 | $5,796 |
| State Farm | $2,905 | $3,046 |
| Travelers | $5,934 | $5,934 |
| USAA | $1,994 | $2,111 |
Find Cheap Melbourne, AR Auto Insurance Rates by Driving Record
Auto insurance rates in Melbourne, Arkansas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Melbourne, AR, take a look at the average cost for various violations versus rates for a clean driving record in Melbourne.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,261 | $5,353 | $5,943 | $5,086 |
| Farmers | $3,815 | $4,877 | $4,762 | $4,581 |
| Geico | $2,385 | $3,677 | $5,517 | $2,566 |
| Liberty Mutual | $2,685 | $4,336 | $5,070 | $3,601 |
| Nationwide | $3,114 | $4,027 | $5,453 | $3,429 |
| Progressive | $4,998 | $6,931 | $5,248 | $6,007 |
| State Farm | $2,752 | $3,199 | $2,976 | $2,976 |
| Travelers | $4,975 | $5,141 | $7,510 | $6,110 |
| USAA | $1,580 | $2,000 | $2,879 | $1,752 |
Find Cheap Melbourne, AR Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Melbourne, Arkansas is higher than for a clean driving record. You can buy auto insurance after a DUI in Melbourne for less when you shop around and compare rates from multiple Melbourne, AR auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,943 |
| Farmers | $4,762 |
| Geico | $5,517 |
| Liberty Mutual | $5,070 |
| Nationwide | $5,453 |
| Progressive | $5,248 |
| State Farm | $2,976 |
| Travelers | $7,510 |
| USAA | $2,879 |
Winners by Category: Where to Buy Cheap Auto Insurance in Melbourne, AR
Compare rates from the cheapest auto insurance companies in Melbourne, AR for your needs. Take a look at how Melbourne, Arkansas auto insurance companies stack up for each category.
| 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 Melbourne, Arkansas Auto Insurance Companies
If you’re looking for the cheapest Melbourne, AR auto insurance companies overall, you can compare them here. Find the best price for Melbourne, Arkansas car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,161 |
| Farmers | $4,509 |
| Geico | $3,536 |
| Liberty Mutual | $3,923 |
| Nationwide | $4,006 |
| Progressive | $5,796 |
| State Farm | $2,976 |
| Travelers | $5,934 |
| USAA | $2,053 |
What affects Melbourne, Arkansas auto insurance rates?
Local factors affect auto insurance rates in Melbourne, AR, including traffic, theft statistics, and commute length. Take a look at the things that impact Melbourne auto insurance rates.
Commute Times in Melbourne
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Melbourne, AR is 13.9 minutes according to City-Data.
Traffic in Melbourne
How is traffic in Melbourne, Arkansas? Inrix data shows that Melbourne, AR traffic makes it the 53rd-most congested city compared to other cities worldwide.
Compare Auto Insurance Quotes in Melbourne, AR
You can buy cheap Melbourne, AR auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Melbourne, Arkansas auto insurance quotes from top companies.
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Frequently Asked Questions
What factors affect the cost of auto insurance in Melbourne, AR?
Several factors can influence the cost of auto insurance in Melbourne, AR. These include your driving history, age, gender, type of vehicle, coverage limits, deductibles, and even your credit score. Insurance companies also consider the local crime rate, traffic conditions, and the number of accidents in the area.
What types of auto insurance coverage are available in Melbourne, AR?
Auto insurance coverage options in Melbourne, AR typically include liability coverage, which is mandatory in most states, including Arkansas. This covers damages and injuries you cause to others. Additionally, you can opt for collision coverage to pay for damages to your own vehicle in an accident, comprehensive coverage to protect against non-collision incidents (e.g., theft, vandalism), and uninsured/underinsured motorist coverage to cover damages if you’re involved in an accident with an uninsured or underinsured driver.
How can I find cheap auto insurance in Melbourne, AR?
To find cheap auto insurance in Melbourne, AR, consider the following tips:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a good driving record and avoid accidents and traffic violations.
- Opt for a higher deductible, which can lower your premium.
- Bundle your auto insurance with other policies, such as home insurance, for potential discounts.
- Ask about available discounts, such as good student discounts or safe driver discounts.
- Consider the type of vehicle you drive, as certain cars may have higher insurance rates.
Are there any pros to buying cheap auto insurance?
Pros of buying cheap auto insurance include:
- Lower premiums, which can save you money in the short term.
- Meeting the minimum legal requirements for insurance coverage.
- Access to basic coverage for damages you may cause to others.
What are the cons of buying cheap auto insurance?
Cons of buying cheap auto insurance may include:
- Limited coverage, which may not adequately protect you in certain situations.
- Higher out-of-pocket expenses if you have a claim due to higher deductibles or limited coverage.
- Potentially dealing with less reputable or unreliable insurance providers.
- Fewer additional benefits or perks compared to higher-priced policies.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.