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Get Cheap Car Insurance in Joan, AR

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

 

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The Cheapest Minimum Coverage in Joan

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

 
Joan Insurer Monthly Cost
Safeco Insurance $55
Farm Bureau $57
Geico $59
Jupiter $60

Savings for Every Kind of Joan Driver

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

Based on our extensive insurance data, we know the average Joan 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 $339 per year by choosing the right vehicle insurance company. Some Joan residents are paying out over $1,714 extra every year for auto insurance in Joan. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Joan, AR Savings / Yr.
Drivers with good records
$339
Drivers with accidents
$601
Drivers with speeding tickets
$484
Drivers with a DUI conviction
$744
Young drivers
$1,924
Married drivers
$341
Drivers with bad credit
$478

Joan Car Insurance vs. Arkansas

People living in Joan pay an average of 1.84% more than the typical driver in the state. The average driver in Joan can expect to pay about $928 per year, or $1,714 for full coverage.

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

Car Insurance Prices by Joan Neighborhood

Joan, 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 Joan?

The map shows insurance prices in and around Joan, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $52 per year within the city boundaries, with insurance premiums ranging from a high of $1,723 to a low of $1,671. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the North parts of Joan.

Pick the Best Car Insurance Company for You in Joan

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

The best car insurance provider for most drivers in Joan

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $339 over the average Joan car insurance company.

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We use the average good driver, paying $115 per month, as our baseline for pricing in Joan. 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 Joan drivers with accidents on their records

In Joan getting into an accident will raise premiums an average 37% for a yearly cost of $2,702. That's $988 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 $601 over the competition.

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The best car insurance company for Joan drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $484 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 Joan, tickets raise premiums on new quotes about $548. If you have a speeding ticket, we recommend Geico, Gainsco, and Farm Bureau for savings that beat the average insurance cost of $2,262 per year.

The best auto insurance for Joan drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,857 per year in auto insurance premiums, which was $1,143 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 $744 less each year.

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

In Joan, Farm Bureau costs young drivers $1,924 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 Joan. With an average cost of $5,829 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 Joan

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $191. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Joan.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $341 saved each year compared to an average Joan couple's premiums.

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The cheapest car insurance in Joan for drivers with bad credit

People with poor credit saved an average of $478 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $979 every year. Premiums for people with poor credit were about $2,693 in Joan. 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 Joan car insurance company for customer service

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

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

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 23% of Joan 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 Joan 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 Joan, 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 Joan

What Influences the Cost of Car Insurance in Joan?

On average, car insurance in Joan 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 city are influenced by the following factors:

  • The average commute time in Joan is 37 minutes, which is a little more than 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 Joan are higher 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.
  • Joan has an average population density 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 Joan is $77 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 Cities

Cities with Similar Populations

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