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Get Cheap Car Insurance in Hempstead County, AR

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

 

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The Cheapest Minimum Coverage in Hempstead County

The chart below shows the cheapest car insurance company in Hempstead County 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.

 
Hempstead County Insurer Monthly Cost
Safeco Insurance $54
Farm Bureau $56
Geico $58
Jupiter $59

Savings for Every Kind of Hempstead County Driver

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

Based on our extensive insurance data, we know the average Hempstead County 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 $334 per year by choosing the right vehicle insurance company. Some Hempstead County residents are paying out over $1,686 extra every year for auto insurance in Hempstead County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Hempstead County, AR Savings / Yr.
Drivers with good records
$334
Drivers with accidents
$591
Drivers with speeding tickets
$476
Drivers with a DUI conviction
$732
Young drivers
$1,892
Married drivers
$336
Drivers with bad credit
$470

Hempstead County Car Insurance vs. Arkansas

People living in Hempstead County pay an average of 0.18% more than the typical driver in the state. The average driver in Hempstead County can expect to pay about $913 per year, or $1,686 for full coverage.

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

Car Insurance Prices by Hempstead County Neighborhood

Hempstead County, 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 Hempstead County?

The map shows insurance prices in and around Hempstead County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $252 per year within the county boundaries, with insurance premiums ranging from a high of $1,856 to a low of $1,604. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of Hempstead County.

Pick the Best Car Insurance Company for You in Hempstead County

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

The best car insurance provider for most drivers in Hempstead County

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $334 over the average Hempstead County car insurance company.

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We use the average good driver, paying $113 per month, as our baseline for pricing in Hempstead County. 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 Hempstead County drivers with accidents on their records

In Hempstead County getting into an accident will raise premiums an average 37% for a yearly cost of $2,658. That's $972 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 $591 over the competition.

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The best car insurance company for Hempstead County drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $476 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 Hempstead County, tickets raise premiums on new quotes about $539. If you have a speeding ticket, we recommend Geico, Gainsco, and Farm Bureau for savings that beat the average insurance cost of $2,225 per year.

The best auto insurance for Hempstead County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,810 per year in auto insurance premiums, which was $1,124 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 $732 less each year.

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

In Hempstead County, Farm Bureau costs young drivers $1,892 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 Hempstead County. With an average cost of $5,734 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 Hempstead County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $188. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Hempstead County.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $336 saved each year compared to an average Hempstead County couple's premiums.

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The cheapest car insurance in Hempstead County for drivers with bad credit

People with poor credit saved an average of $470 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $963 every year. Premiums for people with poor credit were about $2,649 in Hempstead County. 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 Hempstead County car insurance company for customer service

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

Nationwide was the best company for customer service in Hempstead County 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 Hempstead County, 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 Hempstead County. 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 Hempstead County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 32% of Hempstead County residents who are renting, and don't plan to be in the county 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 Hempstead County 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 Hempstead County, 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 Hempstead County

What Influences the Cost of Car Insurance in Hempstead County?

On average, car insurance in Hempstead County 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 county are influenced by the following factors:

  • The average commute time in Hempstead County is 27 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 Hempstead County are lower than average 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.
  • Hempstead County is a fairly densely populated area in the state. The county’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Hempstead County is $76 per month for minimum coverage and $141 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 Counties

Counties with Similar Populations

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