Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Payne, AR
We monitor insurance prices, helping the average driver in Payne save up to 33.0% on car insurance.
The Cheapest Minimum Coverage in Payne
The chart below shows the cheapest car insurance company in Payne 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.
| Payne Insurer | Monthly Cost |
|---|---|
| Safeco Insurance | $56 |
| Farm Bureau | $58 |
| Geico | $59 |
| Jupiter | $61 |
Savings for Every Kind of Payne Driver
Based on our extensive insurance data, we know the average Payne 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 Payne residents are paying out over $1,725 extra every year for auto insurance in Payne. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Payne, AR Savings / Yr. |
|---|---|
$341 |
|
$605 |
|
$487 |
|
$749 |
|
$1,936 |
|
$343 |
|
$481 |
Payne Car Insurance vs. Arkansas
People living in Payne pay an average of 2.51% more than the typical driver in the state. The average driver in Payne can expect to pay about $934 per year, or $1,725 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Payne for most people.
Car Insurance Prices by Payne Neighborhood
Insurance Prices
Where is insurance cheapest within Payne?
The map shows insurance prices in and around Payne, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $29 per year within the city boundaries, with insurance premiums ranging from a high of $1,747 to a low of $1,718. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Central parts of Payne.Pick the Best Car Insurance Company for You in Payne
The best car insurance provider for most drivers in Payne
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $341 over the average Payne car insurance company.
The best car insurance provider for Payne drivers with accidents on their records
In our analysis, Gainsco saved the average person who had been in an accident the most, with annual savings averaging $605 over the competition.
The best car insurance company for Payne drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $487 better than other car insurance companies.
The best auto insurance for Payne drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $749 less each year.
The least expensive car insurance company for new and young drivers in Payne
In Payne, Farm Bureau costs young drivers $1,936 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Payne
Farm Bureau gave the largest car insurance discounts to married couples, averaging $343 saved each year compared to an average Payne couple's premiums.
The cheapest car insurance in Payne for drivers with bad credit
The best Payne car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Payne, which was better than other insurers.
The cheapest large national provider in Payne
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Payne driver can expect to pay about $113 per month.
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 Payne, 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.Auto Insurance Prices in and Around Payne
What Influences the Cost of Car Insurance in Payne?
On average, car insurance in Payne 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 Payne is 36 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 Payne 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.
- Payne has an average population density 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 Payne is $78 per month for minimum coverage and $144 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
- Sandy Bend: Insurance costs 0.99% more
- Strong: Insurance costs 1.10% more
- Gardner: Insurance costs 1.62% more
- New London: Insurance costs 1.28% more
- Old Union: Insurance costs 3.88% less
- Ritchie: Insurance costs 4.17% less
- Sandy Land: Insurance costs 3.77% less
- El Dorado: Insurance costs 1.16% less
- Moro Bay: Insurance costs 0.70% less
- Lapile: Insurance costs 1.57% more
Cities with Similar Populations
- Karlus: Insurance costs 21.04% more
- Jeannette: Insurance costs 22.49% less
- Jet: Insurance costs 0.93% less
- Jimtown: Insurance costs 10.32% more
- Jonathan: Insurance costs 3.13% less
- Jones Mill: Insurance costs 24.58% less
- Kahlotus: Insurance costs 26.90% less
- Kalae: Insurance costs 22.03% less
- Kanawha: Insurance costs 16.23% less
- Jasper: Insurance costs 32.35% less