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Get Cheap Car Insurance in McNeil, AR

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

 

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The Cheapest Minimum Coverage in McNeil

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

 
McNeil Insurer Monthly Cost
Safeco Insurance $52
Farm Bureau $54
Geico $55
Jupiter $57

Savings for Every Kind of McNeil Driver

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

Based on our extensive insurance data, we know the average McNeil 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 $320 per year by choosing the right vehicle insurance company. Some McNeil residents are paying out over $1,616 extra every year for auto insurance in McNeil. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

McNeil Car Insurance vs. Arkansas

People living in McNeil pay an average of 4.00% less than the typical driver in the state. The average driver in McNeil can expect to pay about $875 per year, or $1,616 for full coverage.

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

Car Insurance Prices by McNeil Neighborhood

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

Insurance Prices

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Where is insurance cheapest within McNeil?

The map shows insurance prices in and around McNeil, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $68 per year within the city boundaries, with insurance premiums ranging from a high of $1,662 to a low of $1,594. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the South parts of McNeil.

Pick the Best Car Insurance Company for You in McNeil

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

The best car insurance provider for most drivers in McNeil

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $320 over the average McNeil car insurance company.

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We use the average good driver, paying $108 per month, as our baseline for pricing in McNeil. 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 McNeil drivers with accidents on their records

In McNeil getting into an accident will raise premiums an average 37% for a yearly cost of $2,547. That's $931 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 $566 over the competition.

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The best car insurance company for McNeil drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $456 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 McNeil, tickets raise premiums on new quotes about $516. If you have a speeding ticket, we recommend Geico, Gainsco, and Farm Bureau for savings that beat the average insurance cost of $2,132 per year.

The best auto insurance for McNeil drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,693 per year in auto insurance premiums, which was $1,077 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 $702 less each year.

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

In McNeil, Farm Bureau costs young drivers $1,813 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 McNeil. With an average cost of $5,495 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 McNeil

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $180. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in McNeil.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $322 saved each year compared to an average McNeil couple's premiums.

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The cheapest car insurance in McNeil for drivers with bad credit

People with poor credit saved an average of $450 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $923 every year. Premiums for people with poor credit were about $2,538 in McNeil. 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 McNeil car insurance company for customer service

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

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

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 26% of McNeil 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 McNeil 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 McNeil, 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 McNeil

What Influences the Cost of Car Insurance in McNeil?

On average, car insurance in McNeil 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 McNeil is 33 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 McNeil are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
  • McNeil is a fairly densely populated area in the state. The city’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 McNeil is $73 per month for minimum coverage and $135 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

  • Soper: Insurance costs 5.45% more
  • Lakeside: Insurance costs 7.24% more
  • Lakota: Insurance costs 12.75% less
  • Sharptown: Insurance costs 9.90% more
  • Shaw: Insurance costs 9.47% less
  • Shirley: Insurance costs 13.49% more
  • Silverton: Insurance costs 11.14% more
  • Skyline: Insurance costs 6.25% less
  • Slighs: Insurance costs 0.25% less
  • Smallwood: Insurance costs 4.46% more
* Who is the average McNeil driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central McNeil 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.