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Get Cheap Car Insurance in 72113, AR

We monitor insurance prices, helping the average driver in 72113 save up to 33.0% on car insurance.

 

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The Cheapest Minimum Coverage in 72113

The chart below shows the cheapest car insurance company in 72113 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safeco Insurance, followed by Farm Bureau, Geico, and Jupiter.

 
72113 Insurer Monthly Cost
Safeco Insurance $56
Farm Bureau $57
Geico $59
Jupiter $61

Savings for Every Kind of 72113 Driver

The table shows how much the average auto insurance customer in 72113 might save by following our recommendations.

Based on our extensive insurance data, we know the average 72113 driver will save about 20% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $341 per year by choosing the right vehicle insurance company. Some 72113 residents are paying out over $1,722 extra every year for auto insurance in 72113. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

72113 Car Insurance vs. Arkansas

People living in 72113 pay an average of 2.30% more than the typical driver in the state. The average driver in 72113 can expect to pay about $932 per year, or $1,722 for full coverage.

Based on our analysis, Travelers will be the cheapest provider in 72113 for most people.

Car Insurance Prices by 72113 Neighborhood

72113, AR map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within 72113?

The map shows insurance prices in and around 72113, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $141 per year within the zip boundaries, with insurance premiums ranging from a high of $1,807 to a low of $1,666. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the East parts of 72113.

Pick the Best Car Insurance Company for You in 72113

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the 72113 insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in 72113

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $341 over the average 72113 car insurance company.

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We use the average good driver, paying $115 per month, as our baseline for pricing in 72113. State Farm, Travelers, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for 72113 drivers with accidents on their records

In 72113 getting into an accident will raise premiums an average 37% for a yearly cost of $2,714. That's $992 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Gainsco, and Safeco Insurance are good choices for drivers with accidents.

In our analysis, Gainsco saved the average person who had been in an accident the most, with annual savings averaging $604 over the competition.

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The best car insurance company for 72113 drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $486 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In 72113, tickets raise premiums on new quotes about $550. If you have a speeding ticket, we recommend Geico, Gainsco, and Farm Bureau for savings that beat the average insurance cost of $2,272 per year.

The best auto insurance for 72113 drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,869 per year in auto insurance premiums, which was $1,148 more than a driver with no major issues. Progressive, Farm Bureau, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Farm Bureau may cost the average person with a DUI about $748 less each year.

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The least expensive car insurance company for new and young drivers in 72113

In 72113, Farm Bureau costs young drivers $1,932 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in 72113. With an average cost of $5,855 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Travelers, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in 72113

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $192. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in 72113.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $343 saved each year compared to an average 72113 couple's premiums.

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The cheapest car insurance in 72113 for drivers with bad credit

People with poor credit saved an average of $480 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $983 every year. Premiums for people with poor credit were about $2,705 in 72113. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Dairyland, and Farm Bureau.

The best 72113 car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In 72113, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Shelter Insurance as the best provider in 72113.

Nationwide was the best company for customer service in 72113 according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in 72113, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in 72113. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in 72113

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 32% of 72113 residents who are renting, and don't plan to be in the zip or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average 72113 driver can expect to pay about $113 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 72113, USAA has the best prices for drivers with speeding tickets, married couples, drivers with bad credit, drivers with accidents, good drivers, drivers with a DUI conviction, and young drivers.
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Auto Insurance Prices in and Around 72113

What Influences the Cost of Car Insurance in 72113?

On average, car insurance in 72113 is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:

  • The average commute time in 72113 is 29 minutes, which is about the national average for a driver in the state.
  • Arkansas state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in 72113 are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
  • 72113 is one of the least populated areas in the state. The zip’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in 72113 is $78 per month for minimum coverage and $143 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Zip Codes

  • 72212: Insurance costs 0.35% more
  • 72223: Insurance costs 0.06% less
  • 72227: Insurance costs the same
  • 72207: Insurance costs 0.41% more
  • 72118: Insurance costs 4.82% more
  • 72199: Insurance costs 1.63% more
  • 72211: Insurance costs the same
  • 72135: Insurance costs 1.34% less
  • 72119: Insurance costs 1.63% more
  • 72205: Insurance costs 0.87% more

Zip Codes with Similar Populations

  • 89145: Insurance costs 41.64% more
  • 60467: Insurance costs 8.13% less
  • 66044: Insurance costs 9.64% less
  • 66109: Insurance costs 4.94% less
  • 70805: Insurance costs 112.43% more
  • 77062: Insurance costs 4.65% more
  • 78599: Insurance costs 9.18% more
  • 80301: Insurance costs 11.56% more
  • 82718: Insurance costs 9.06% less
  • 82801: Insurance costs 12.20% less
* Who is the average 72113 driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central 72113 with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.