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Best cheap car insurance in Dardanelle

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Bankrate found the average cost for car insurance in Dardanelle is $424 per year for minimum coverage and $1,830 annually for full coverage. The cheapest car insurance company in Dardanelle is State Farm, according to Bankrate’s 2021 study of quoted annual premiums.

Although average rates in this city are low for minimum coverage compared to national average rates, they are higher for full coverage. We compared average rates from multiple insurance companies offering coverage in Arkansas to find the best and cheapest car insurance rates for Dardanelle drivers. Keep in mind, many insurance agents suggest you review all aspects of a provider, and not only the cheapest rates available, so you can ensure you are purchasing the right policy.

Best cheap car insurance companies in Dardanelle

When comparing quotes for the best insurance companies in Dardanelle, we also evaluated several factors, including coverage options, discounts, market share, financial strength ratings from AM Best and customer satisfaction from J.D. Power. These companies ranked the highest among the companies we analyzed and are considered the best in Dardanelle based on our findings.

All the information we collected was used to create a Bankrate Score. The Bankrate score is based on a five-point scale and provides a more comprehensive overview of a company and not simply how cheap the rates are.

Insurance company Bankrate Score J.D. Power customer satisfaction score Average annual premium for full coverage Average annual premium for minimum coverage
State Farm 4.7 847/1,000 $1,283 $360
Shelter 3.2 856/1,000 $1,740 $462
Auto-Owners 4.5 845/1,000 $1,826 $438
Alfa 3.2 Not rated $1,872 $358
GEICO 4.7 845/1,000 $2,266 $342

State Farm

With the lowest full coverage car insurance rates on our list, State Farm offers lots of coverage at an affordable rate for Dardanelle drivers. State Farm offers discounts for drivers who allow it to monitor their driving habits, in addition to a specialized program that allows young drivers to instill good driving habits and receive a potential discount for their efforts.

J.D. Power rates State Farm above average in the Central region in its 2021 Auto Insurance Satisfaction Study with 847 points, making it the third-highest-ranked in the region. While State Farm offers numerous benefits, drivers in Dardanelle should be aware it does not offer gap insurance as an option for purchase.

Learn more: State Farm Insurance review

Shelter

Shelter is the second smallest insurer on our list, being offered in 14 states, which shows that size isn’t the most significant factor when it comes to being one of the best car insurance companies in Arkansas. Shelter has all the same major insurance products you’ve come to expect from the larger insurers with competitive average car insurance rates for Dardanelle drivers, based on our study.

In the Central region, Shelter leads in the rankings for customer service. It has excellent AM Best financial strength rankings and a below-average 0.23 NAIC complaint index, indicating high customer satisfaction during the claims process. One item to take note of during the claims process is that Shelter does not currently allow this function through its mobile app.

Learn more: Shelter Insurance review

Auto-Owners

Auto-Owners Insurance has lots of potential discounts to make rates more affordable. It also offers an optional package called Personal Automobile Plus, which includes 10 additional coverages such as identity theft protection and cell phone replacement.

With excellent financial strength ratings from AM Best and not enough complaints to register on the NAIC complaint index, Auto-Owners may be a great choice to consider in Dardanelle for its customer and claims satisfaction. However, some policyholders complain about the inability to submit claims via the mobile app and the quality of the app in general.

Learn more: Auto-Owners Insurance review

Alfa

Alfa Insurance is offered in just 11 states, but it makes it to tenth place for market share in Arkansas, insuring 2.3% of the state’s drivers. Alfa offers basic coverage in Dardanelle, but it excels in potential discounts for teen drivers, which are some of the most expensive to insure. Alfa has excellent financial strength ratings from AM Best and stands out for customer satisfaction, with a lower-than-average complaint index with the National Association of Insurance Commissioners (NAIC) at 0.41 compared to the industry average of 1.00.

Learn more: Alfa Insurance review

Geico

Geico is the sixth largest insurer in Arkansas and has the cheapest rates for minimum coverage on our “best of” list. Geico also offers a variety of discounts, plus different product types for residents in Dardanelle to take advantage of, which makes it appealing for full coverage needs as well.

Geico also has some of the highest ratings for financial strength from AM Best, which means no matter the size of the claim, Geico has a history of being able to pay in the event of covered damages or losses. While it continues to also enjoy high customer satisfaction ratings from J.D. Power, it’s coverage options are somewhat limited compared to other insurance providers on the list.

Learn more: Geico Insurance review

How to get and keep the cheapest car insurance in Dardanelle

Policies with the best cheap car insurance companies do not happen by chance. It usually takes research to not only find the most affordable rates, but also to keep them. Keep this in mind when you are trying to find the cheapest rates for yourself:

  • Compare rates from multiple insurance providers. Comparing rates from numerous insurance companies not only shows you which one offers the lowest rates, it also gives you a sense of how the carrier will be to work with in the future. Just be sure to compare the exact coverage choices from one to another, so you can be sure you are getting the best rates.
  • Maintain safe driving habits. Safe driving habits, such as driving the legal speed limit, using your turn signal and wearing your seatbelt, can help keep you safer on the road. It can also potentially help you earn more discounts, such as if you enroll in a telematics program, take a defensive driving course or remain claims- and accident-free.

Frequently asked questions

What is the best car insurance company in Dardanelle?

The best car insurance companies in Dardanelle will vary by each driver’s preferences and coverage needs. The companies we researched take into account customer satisfaction, competitive rates, coverage and discount options and availability to drivers. To find the best car insurance company for you, it might be a good idea to collect several quotes to compare to find the right fit.

How can I lower my car insurance rates in Dardanelle?

Lower, more affordable rates can be achieved by reviewing all the coverages and discounts you have in your current policy and revising if necessary. Take time to review each option to see if you are overpaying or no longer need a certain coverage. You should also consider verifying you are receiving every discount available to you.

How much car insurance do I need in Dardanelle?

It is generally recommended by insurance experts that drivers in Arkansas have more than the minimum required insurance to be better financially protected in the case of a loss. You may want to consider choosing the highest limits you can reasonably afford and also consider full coverage options — especially if you have a high-value car, are required to meet financing or leasing guidelines or are unable to self-insure after being involved in an accident. If you’re not sure how much car insurance you need for your situation, speak with an insurance agent to find out.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Sara Coleman
Former Insurance Contributor
Sara Coleman is a former insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor