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Car Insurance
Searcy AR
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No spam. No hidden fees.
No Long Forms
No Long Forms
(888) 291-7830
(888) 291-7830
Written by: Andrew Brown
Quality Checked by: Samantha Reed
Car insurance rates in Searcy Arkansas are among the highest in the nation—well above the national average. This is because Arkansas has a few distinct risk factors that contribute to higher car insurance premiums. These include an increased number of uninsured motorists, a high rate of motor vehicle theft and accident-related injuries and fatalities, as well as a lack of public transportation options.
The Arkansas Office of Insurance Regulation (OIR) provides oversight for car insurance companies operating within the state and sets minimum financial responsibility requirements for Searcy drivers. Arkansas requires all drivers to carry liability coverage which includes both bodily injury liability coverage and property damage liability coverage with limits specified by law. Additionally, Arkansas has some unique laws that can affect your car insurance premium such as assigning fault for an accident based on a 50/50 rule, which can leave drivers with higher costs if they are found to be at fault.
In Arkansas, car insurance companies use the same factors to determine rates as they do in other states—such as age, driving history and credit score—but Searcy drivers may also face higher rates due to the additional risk factors the state poses. Arkansas has some of the highest uninsured motorist rates in the United States, meaning that those who have paid their premiums may need to pay more out of pocket if they get into an accident with someone without insurance. Arkansas also has a high rate of motor vehicle theft and a lack of public transportation options which can make it difficult for people living in rural areas to find affordable transportation options.
Although Arkansas may have higher car insurance premiums than other states, there are several steps drivers can take to lower their rates. Searcy drivers should make sure they shop around for the best rate and compare companies to get the best coverage for their needs. Additionally, Arkansas residents should work to maintain a clean driving record and keep their credit score as high as possible in order to receive the lowest premium available. Ultimately, Arkansas drivers should do everything they can to minimize their risk on the road and make sure they are getting the best rate possible on car insurance.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,137 |
| 20 Years | $2,034 |
| 30 Years | $1,567 |
| 40 Years | $1,507 |
| 50 Years | $1,396 |
| 60 Years | $1,415 |
| 70 Years | $1,647 |
The Arkansas Office of Insurance Regulation sets minimum financial responsibility requirements for drivers in Arkansas, but the cost of car insurance can vary dramatically based on age. Young drivers are generally considered to be a higher risk and as such their rates tend to be higher than those of older drivers. Arkansas is no exception; rates for young drivers in Searcy can be up to twice as much as those for more experienced drivers.
Young Searcy drivers can take several steps to reduce their premiums including maintaining a clean driving record, taking a defensive driving course and having anti-theft devices installed in their vehicle. Additionally, many auto insurance companies offer discounts on car insurance rates if the driver takes additional safety precautions such as installing air bags or adding security features like an alarm system.
Older Arkansas drivers can also benefit from discounts on their premiums if they have a safe driving record, take defensive driving courses and keep their credit score in good standing. Searcy seniors may be eligible for additional discounts based on age and other factors such as having multiple cars or being retired. Ultimately, Arkansas drivers of any age should make sure they are shopping around to get the best rate available.
Motorcycles present a unique set of risks that require special considerations when it comes to insurance premiums. In Searcy, motorcycle rates tend to be higher than those for traditional auto insurance policies due to the increased risk associated with motorcycles. Arkansas requires all motorcyclists to carry liability coverage which includes both bodily injury and property damage, but Arkansas residents may be eligible for additional discounts if they take a motorcyclist safety course or install an anti-theft device on their bike. Arkansas motorcycle riders should shop around to compare rates from different companies to make sure they are getting the best price possible. Ultimately, Arkansas drivers can reduce their premiums by taking steps to minimize their risk on the road and shopping around for the best rate. By following these steps Arkansas drivers can find the right policy at an affordable price.
|
| State Farm | Geico | Shelter Insurance | Allstate | Safeco |
| NAIC Market Share | 16.14% | 13.45% | 8.9% | 9.33% | 1.15% |
| S&P Global Ratings | AA | AA+ | A+ | A- | A |
| Average Full Coverage Yearly Premium | $1,434 | $1,034 | $1,252 | $3,159 | $1,047 |
| Discount Rating | 5 stars | 5 stars | 4 stars | 5 stars | 4 stars |
|
| State Farm | Geico | Shelter Insurance | Allstate | Safeco |
| NAIC Market Share | 16.14% | 13.45% | 8.9% | 9.33% | 1.15% |
| S&P Global Ratings | AA | AA+ | A+ | A- | A |
| Average Full Coverage Yearly Premium | $1,434 | $1,034 | $1,252 | $3,159 | $1,047 |
| Discount Rating | 5 stars | 5 stars | 4 stars | 5 stars | 4 stars |
|
| State Farm | Geico | Shelter Insurance | Allstate | Safeco |
| NAIC Market Share | 16.14% | 13.45% | 8.9% | 9.33% | 1.15% |
| S&P Global Ratings | AA | AA+ | A+ | A- | A |
| Average Full Coverage Yearly Premium | $1,434 | $1,034 | $1,252 | $3,159 | $1,047 |
| Discount Rating | 5 stars | 5 stars | 4 stars | 5 stars | 4 stars |
1514 East Race Street, Searcy, AR 72143
(501) 305-4200
https://local.directauto.com/arkansas/searcy/1514-east-race-street
1901 W Beebe Capps Expy, Searcy, AR 72143
(501) 268-6997
https://www.shelterinsurance.com/CA/agent/RICHARDCARGILE
111 E Center Ave, Searcy, AR 72143
(501) 268-4636
https://www.shelterinsurance.com/CA/agent/FLIKERT
3121 E Race Ave, Searcy, AR 72143
(501) 268-4189
http://www.searcyinsurance.com/
509 E Race Ave ste 2, Searcy, AR 72143
(501) 279-1323
https://arkansasinsuranceplex.net/
803 W Race Ave, Searcy, AR 72143
(501) 268-3114
https://agents.farmers.com/ar/searcy/velma-smith
Arkansas drivers have many different auto insurance companies to choose from, and selecting the best one for their needs can be a daunting task. Searcy residents should look for an insurance company with a good customer service record, competitive rates and comprehensive coverage. Arkansas drivers should also make sure to compare the different discounts available from each company to ensure they are getting the best deal possible. Additionally, Arkansas drivers should consider any additional services offered by the insurer such as roadside assistance or car rental reimbursement which may not be included in standard packages. Ultimately, Arkansas drivers should take their time when comparing auto insurance companies so they get the right policy at the right price.
| Driving Infraction Type | Average Annual Premium | Potential Quote Savings |
| DUI | $3239 | $1013 |
| Reckless Driving | $3107 | $967 |
| Wrong Way/Wrong Lane | $2875 | $950 |
| Driving on Sus. License | $2862 | $925 |
| Illegal Turn | $2835 | $896 |
| Failure to Obey Traffic Sign | $2631 | $882 |
| Speeding over 15 | $2443 | $851 |
| Defective Equipment | $2399 | $811 |
| Speeding under 15 | $2237 | $713 |
Arkansas drivers who fail to follow the law or demonstrate unsafe driving habits can face increased auto insurance premiums. Searcy drivers who are involved in an accident, receive traffic tickets or citations, or have multiple violations within three years could see their rates rise significantly. Arkansas residents should consider taking a defensive driving course to reduce their risk and potentially lower their car insurance premiums. Additionally, Arkansas may be eligible for additional discounts if they have taken steps to improve their safety on the road such as installing anti-theft devices or other security features in their vehicle. Ultimately, Arkansas drivers should take all necessary steps to ensure that they are following the law and demonstrating safe driving habits so they can benefit from lower premium costs.
| Credit Rating | Average Rate |
| Average of All Credit Ratings | $1490 |
| Below Fair | $2301 |
| Poor | $2498 |
| Worst | $2727 |
Arkansas drivers should be aware that their credit score can have an impact on what they pay for insurance premiums. Arkansas drivers with a good credit score may benefit from lower premium rates and discounts, while those with poor credit may face higher rates. Searcy residents should check their credit score to make sure it is accurate before shopping around for auto insurance quotes. Additionally, Arkansas drivers may want to consider taking steps to improve their credit score if this could help them get great deals on car insurance. Ultimately, Arkansas drivers should bear in mind that their credit history can factor into what they pay for auto insurance rates and take necessary steps to keep their credit in good standing.
Arkansas drivers should always factor in the total cost of their auto insurance when shopping around for the best deal. Arkansas residents should remember that there are additional costs associated with auto insurance such as deductibles and taxes which can add up quickly. Searcy drivers should make sure to compare not only the premium costs but also any additional fees associated with their policy to get the most out of their coverage. Ultimately, Arkansas drivers should take all factors into account when shopping for car insurance so they can find a policy that fits both their budget and coverage needs.
Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.
Arkansas drivers should consider their individual needs when deciding between full coverage and liability only insurance. Arkansas residents may want to purchase full coverage for added peace of mind and protection, while those on a tighter budget may opt for liability only coverage which provides the minimum legal requirements in Arkansas. Searcy drivers who are financing or leasing a vehicle may be required to have higher levels of coverage than what is required by law. Ultimately, Arkansas drivers should take their time when comparing different auto insurance policies so they get the right policy at the right price.
Arkansas drivers must carry certain minimum levels of auto insurance coverage in order to drive legally. Arkansas requires all drivers to have liability and uninsured motorist coverage, with limits of 25/50/25 for each type of coverage. Arkansas also requires drivers to carry $25,000 in personal injury protection (PIP) and $25,000 in property damage liability. Searcy residents may want to consider purchasing higher levels of coverage so they are better protected in the event of an accident or other unforeseen circumstances. Ultimately, Arkansas drivers should compare different policies so they get the right policy at the right price.
Arkansas residents who do not own a vehicle but need coverage may want to consider non-owner car insurance. Non-owner car insurance is a type of policy that provides liability coverage for drivers without an active vehicle registration. Searcy residents who are borrowing or renting vehicles may also benefit from non-owner policies as they provide additional protection in the event of an accident. Arkansas drivers should compare different policies carefully so they get the right level of coverage at the best price. Ultimately, Arkansas drivers should take their time when shopping around for non-owner auto insurance so they can get great deals on quality protection.
Arkansas drivers can save money on their auto insurance premiums by taking advantage of available discounts. Arkansas residents may be able to get reduced rates for being a good student, having a clean driving record, and taking safety courses. Searcy drivers should also research the different insurance providers in their area to see if they offer any additional discounts that could help lower their monthly premium costs. Arkansas residents who take the time to compare car insurance policies and look for discounts can potentially save hundreds of dollars each year.
Arkansas drivers should consider the risks associated with adding a teenage driver to their policy before doing so. Arkansas residents who add a teen driver to their policy may see an increase in premium costs due to the additional risk associated with inexperience. Searcy drivers can help offset these costs by having their teenager take a defensive driving course, maintaining good grades, and staying accident-free. Arkansas drivers should compare different policies carefully and get quotes from several providers before making a final decision. Ultimately, Arkansas drivers should make sure they are getting the right coverage at the right price for their teenage driver.
Arkansas drivers over the age of 55 may be eligible for special senior discounts on their car insurance. Arkansas seniors can potentially save money by taking advantage of these discounts, which are often offered to older drivers who have had a clean driving record or taken additional safety courses. Searcy seniors should also compare different policies and shop around to get the best deal on their car insurance. Arkansas residents should take their time when comparing policies so they get the right coverage at the best price. Ultimately, Arkansas seniors should make sure that they are getting quality protection at an affordable rate so they can stay safe and legal on the road.
Arkansas residents who have been convicted of certain driving offenses, such as DUI or DWI, may be required to file an SR-22 form with the Arkansas Department of Motor Vehicles in order to reinstate their license. Searcy drivers who are facing this requirement should contact their insurance provider and ask about SR-22 insurance so they can get the coverage they need. Arkansas drivers should compare different policies carefully and look for discounts that could help lower the overall cost of the policy. Arkansas drivers should also make sure that they are getting quality protection at an affordable rate so they can remain legal and safe on the roads.
Arkansas residents must obtain a valid Arkansas driver's license in order to legally operate a motor vehicle within the state. Arkansas drivers should make sure that their license is up-to-date and include all of the necessary documentation when applying for or renewing their license. Searcy drivers should also be aware of the different requirements for different types of vehicles, such as motorcycles and commercial trucks, as these may require additional documents or tests. Arkansas drivers should check with the Arkansas Department of Motor Vehicles before operating any type of vehicle in the state to ensure they are properly licensed and insured.
Arkansas drivers are required by law to carry a minimum amount of car insurance in order to legally operate a motor vehicle within the state. Arkansas drivers should make sure that their policy meets the state's requirements for liability coverage and any other applicable laws. Searcy drivers should also consider getting additional coverage, such as uninsured or underinsured motorist protection, to ensure they are properly protected in the event of an accident. Arkansas residents should compare different policies carefully and shop around to get the best deal on their car insurance. Ultimately, Arkansas drivers should make sure they are getting quality protection at an affordable rate so they can stay safe and legal on the road.
Searcy drivers may want to consider increasing their deductible in order to lower their overall car insurance premium. Arkansas drivers should make sure they understand the implications of such a decision before making any changes, as higher deductibles mean more out-of-pocket costs if an accident does occur. Arkansas residents may also want to look for discounts or other ways to save money on their car insurance policy. Arkansas drivers should compare different policies carefully and get quotes from several providers before making a final decision. Ultimately, Arkansas drivers should make sure they are getting the right coverage at the right price so they can stay safe and legal on the road.
Arkansas drivers may want to compare Geico and Allstate when shopping for car insurance. Both companies offer a variety of coverage options and discounts that Searcy residents can take advantage of, so Arkansas drivers will want to consider both companies when selecting a policy. Arkansas drivers should also look for customer reviews about each company before making a final decision.
Comparing Arkansas car insurance rates from State Farm and Liberty Mutual can give Arkansas drivers an edge when it comes to finding the best deal. Both companies offer comprehensive coverage that includes liability, collision, comprehensive, medical payments, rental reimbursement, and roadside assistance. When comparing Searcy car insurance rates from these two providers, Arkansas drivers should consider their own driving profile as well as the company’s customer service ratings.
State Farm is one of the nation’s leading auto insurers with competitive rates in Searcy. They offer a variety of discounts on premiums including multi-vehicle, multiple policyholders, good student discounts and defensive driver courses. Drivers may also be eligible for lower deductibles or payouts if they install anti-theft devices or take defensive driving courses.
Liberty Mutual offers Arkansas drivers coverage for the same types of risks as State Farm but with a few added benefits such as accident forgiveness and new car replacement. Liberty Mutual also offers discounts for smart shopping customers and their rates are often less expensive than State Farm’s. Additionally, Liberty Mutual provides 24/7 online customer service and claim filing assistance in Searcy that makes it easy to file claims quickly after an accident.
It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Searcy, Arkansas. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.
Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.
Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Searcy, AR. If you're looking for coverage after a DUI conviction then take a look at SR22 in Arkansas.
The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.
Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.
