Who Has the Cheapest Car Insurance Quotes for Government Employees in Arkansas?

Establishing which insurers offer the lowest-priced auto insurance rates for government employees will require a little more work than just quoting one company’s rates. Each company uses their own formula for setting prices, so let’s examine the most affordable auto insurance companies in Arkansas.

We do need to point out that Arkansas auto insurance rates are based on many factors that control the cost of your policy. Simply having a birthday, getting married, or getting a driving violation can trigger rate changes that can cause some rates to be cheaper than others.

Cheapest Insurance Rates in Arkansas

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USAA may have some of the lowest car insurance rates in Arkansas at around $991 each year. Auto Club, Travelers, Southern Farm Bureau, and State Farm would also be considered some of the more affordable Arkansas auto insurance companies.

In the above example, if you currently have a policy with Auto Club and switched to USAA, you could earn yearly savings of in the vicinity of $24. Drivers with Travelers might save as much as $102 a year, and Southern Farm Bureau insureds might reduce prices by as much as $222 a year.

Bear in mind that those premium estimates are averages across all drivers and vehicles and do not factor in a price decrease for government employees. So the insurer that has the cheapest price for you may not even be in the company chart above. That is why you need to quote rates from many companies using your own specific driver information and vehicle.

For Arkansas drivers, one of the factors used to calculate the policy price is where you live in Arkansas. More densely populated places like Little Rock, El Dorado, and Bryant likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates enjoy lower car insurance rates.

The information below lists the priciest cities in Arkansas for government employees to purchase auto insurance in.

Information shown are approximated as the vehicle garaging location can increase or decrease price quotes substantially.

Insurance rate increases from tickets or accidents

A great way to receive affordable auto insurance rates for state and federal workers is to be a cautious driver and not have accidents or get tickets. The chart below illustrates how speeding tickets and at-fault fender-benders can drive up yearly insurance costs for different ages of insureds. The premium estimates are based on a single female driver, full coverage, $250 deductibles, and no additional discounts are factored in.

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The chart shows that the average cost of a car insurance policy in Arkansas per year with no accidents or violations is $1,694. Factor in two speeding tickets and the average cost rises to $2,271, an increase of $577 each year. Now add two accidents along with the two speeding tickets and the yearly cost of auto insurance for government employees goes up to an average of $4,401. That’s an increase of $2,707, or $226 per month, just for not being a responsible driver!

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

When buying auto insurance for state and federal workers in Arkansas, four of the best places to start are Allstate, Geico, Progressive, and State Farm. All four can cover your vehicle for liability and physical damage, but each one has a slightly different mix of options and features that may affect your buying decision. The following table points out pricing and service ratings, as well as optional policy coverages that policyholders can buy.