Cheapest Auto Insurance for High Mileage Drivers in Arkansas

We all like different vehicles, and the type of vehicle requiring insurance is one of the main factors that determines whether or not you can buy the best car insurance for high mileage drivers. Vehicles with limited speed and performance, a great safety record, or a low likelihood of having liability claims will cost significantly less to insure than adrenaline junky models.

The next tables features coverage premiums for a number of the cheaper vehicles to buy insurance for.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arkansas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can affect prices substantially.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arkansas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in specific location which can revise premium rates substantially.

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arkansas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in Arkansas location which can lower or raise insurance rates significantly.

One of the many factors that play a part in determining the policy price is where you choose to live. Areas with more people or even just a higher incidence of claims like Little Rock, Hot Springs, and Pine Bluff tend to pay higher rates, whereas areas with less people or fewer weather incidents generally pay lower car insurance rates.

The information below ranks the most costly cities in Arkansas for high mileage drivers to buy car insurance in.

Information shown are approximated as the specific Arkansas residence address can influence premiums substantially.

Figuring out which insurers offer the cheapest auto insurance rates for high mileage drivers involves a bit more effort in order to find the best price.

Each insurance company has their own formula for filing rates in each state, so let’s take a look at the lowest cost auto insurance companies in Arkansas. It’s a good idea to be aware that Arkansas auto insurance rates are calculated based on many things which can substantially decrease or increase the price you pay. Simply having a birthday, buying a different vehicle, or getting caught speeding can trigger changes in premium that may make certain companies cheaper than competitors.

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USAA offers some of the cheapest car insurance rates in Arkansas at around $1,011 a year. Auto Club, Travelers, Southern Farm Bureau, and State Farm also make the cut as some of the cheapest Arkansas auto insurance companies.

As the rates illustrate above, if you buy coverage from Southern Farm Bureau and switched to USAA, you could earn a yearly price reduction of approxmiately $178. Customers with State Farm could save as much as $200 a year, and Safeco insureds might realize rate reductions of up to $267 a year.

It’s important to note that these estimates are averages for all drivers and vehicles in Arkansas and and are not calculated with a price decrease for high mileage drivers. So the company that fits you best may not even be shown in the above rate chart. That affirms the importance of why you need to get car insurance quotes using your own specific driver information and vehicle.

Careless driving habits raise Arkansas auto insurance rates

The common sense way to get the best auto insurance prices in Arkansas for high mileage drivers is to drive safely and avoid accidents and keep your driving record clean. The example below highlights how speeding tickets and fender-benders can increase premium costs for each different age category. The data assumes a married female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

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In the chart above, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,186. Get one speeding ticket and the average cost increases to $1,383, an increase of $197 each year. Then include one accident along with the one speeding ticket and the yearly cost of auto insurance for high mileage drivers jumps again to an average of $1,930. That’s an increase of $744, or $62 per month, just for a couple of infractions!