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Get Cheap Car Insurance in Excelsior, AR

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

 

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The Cheapest Minimum Coverage in Excelsior

The chart below shows the cheapest car insurance company in Excelsior 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.

 
Excelsior Insurer Monthly Cost
Safeco Insurance $53
Farm Bureau $55
Geico $56
Jupiter $58

Savings for Every Kind of Excelsior Driver

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

Based on our extensive insurance data, we know the average Excelsior 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 $326 per year by choosing the right vehicle insurance company. Some Excelsior residents are paying out over $1,647 extra every year for auto insurance in Excelsior. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Excelsior, AR Savings / Yr.
Drivers with good records
$326
Drivers with accidents
$578
Drivers with speeding tickets
$465
Drivers with a DUI conviction
$716
Young drivers
$1,849
Married drivers
$328
Drivers with bad credit
$459

Excelsior Car Insurance vs. Arkansas

People living in Excelsior pay an average of 2.11% less than the typical driver in the state. The average driver in Excelsior can expect to pay about $892 per year, or $1,647 for full coverage.

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

Car Insurance Prices by Excelsior Neighborhood

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

Insurance Prices

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Average
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Where is insurance cheapest within Excelsior?

The map shows insurance prices in and around Excelsior, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $36 per year within the city boundaries, with insurance premiums ranging from a high of $1,657 to a low of $1,621. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the West parts of Excelsior.

Pick the Best Car Insurance Company for You in Excelsior

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 Excelsior insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Excelsior

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $326 over the average Excelsior car insurance company.

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We use the average good driver, paying $110 per month, as our baseline for pricing in Excelsior. 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 Excelsior drivers with accidents on their records

In Excelsior getting into an accident will raise premiums an average 37% for a yearly cost of $2,597. That's $949 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 $578 over the competition.

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The best car insurance company for Excelsior drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $465 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 Excelsior, tickets raise premiums on new quotes about $527. If you have a speeding ticket, we recommend Geico, Gainsco, and Farm Bureau for savings that beat the average insurance cost of $2,174 per year.

The best auto insurance for Excelsior drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,746 per year in auto insurance premiums, which was $1,098 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 $716 less each year.

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

In Excelsior, Farm Bureau costs young drivers $1,849 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 Excelsior. With an average cost of $5,603 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 Excelsior

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $184. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Excelsior.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $328 saved each year compared to an average Excelsior couple's premiums.

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The cheapest car insurance in Excelsior for drivers with bad credit

People with poor credit saved an average of $459 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $941 every year. Premiums for people with poor credit were about $2,588 in Excelsior. 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 Excelsior car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Excelsior, 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 Excelsior.

Nationwide was the best company for customer service in Excelsior 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 Excelsior, 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 Excelsior. 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 Excelsior

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 23% of Excelsior residents who are renting, and don't plan to be in the city 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 Excelsior 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 Excelsior, 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 Excelsior

What Influences the Cost of Car Insurance in Excelsior?

On average, car insurance in Excelsior is actually less expensive than the rest of the state. These low 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 city are influenced by the following factors:

  • The average commute time in Excelsior is 31 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 Excelsior are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
  • Excelsior is one of the least populated areas in the state. The city’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 Excelsior is $74 per month for minimum coverage and $137 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 Cities

Cities with Similar Populations

* Who is the average Excelsior driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Excelsior 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.