Best cheap car insurance in Dardanelle

1

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation for

Drivers in Arkansas saw a reduced rate of motor vehicle deaths from 2018 to 2019 by 2.9%, according to data collected by the National Highway Traffic Safety Administration (NHTSA). This is good news for drivers in Dardanelle, as better driving habits typically reflect cheaper rates for car insurance. Bankrate found the average cost for car insurance in Dardanelle is $424 per year for minimum coverage and $1,830 annually for full coverage.

Although rates are low for minimum coverage compared to Arkansas and 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.

Best car insurance companies in Dardanelle

When comparing quotes for the best insurance companies in Dardanelle, we evaluated several factors, including coverages, discounts, market share, financial strength, customer satisfaction, claims and purchase experience, as well as third-party rankings. These companies ranked the highest and are considered the best in Dardanelle based on our findings.

Insurance Company J.D. Power Score Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Alfa 858 / 1000 $358 $1,872
Auto-Owners 868 / 1000 $438 $1,826
GEICO 855 / 1000 $342 $2,266
Shelter 855 / 1000 $462 $1,740
State Farm 849 / 1000 $360 $1,283

Alfa

Alfa Insurance is offered in just 11 states, but it makes it to the top 10 in 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 discounts for teen drivers, which are some of the most expensive to insure. Alfa has excellent financial strength to pay claims 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.

As a smaller insurer, Alfa didn’t receive a ranking in the 2020 J.D. Power U.S. Insurance Shopping and Auto Claims Satisfaction Studies. But although it did not rank for the Central region, Alfa did take fourth place among some other larger insurers on the Auto Insurance Satisfaction Study in the Southeast region.

Auto-Owners

Auto-Owners Insurance has lots of 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.

The company received high ratings in the Central region in the Auto Insurance Satisfaction Study with 868 out of 1,000 points, putting it in second place for customer satisfaction. It also is ranked above average for mid-size insurers in the Insurance Shopping Study with 869 points. Auto-Owners receives above average marks for Auto Claims Satisfaction with 890 points. With excellent financial strength 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.

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. The company places right behind Auto-Owners in the Central region with 855 points out of 1,000 from J.D. Power.

Geico also has some of the highest ratings for financial strength, 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. As for claims satisfaction, Geico is one point below average on the 2020 Auto Claims Satisfaction Study and has a .78 complaint index with the NAIC, indicating customer experience could be a bit better.

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 car insurance rates for Dardanelle drivers.

In the Central region, Shelter is tied with GEICO for customer service in the Auto Insurance Satisfaction Study. It has excellent financial strength rankings and a below-average 0.23 complaint index, showing high customer satisfaction during the claims process. Shelter also happens to be the fourth largest insurer in Arkansas, accounting for 8.9% of the market share.

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 discount for their efforts.

The Central region rates State Farm above average in the Auto Insurance Satisfaction Study with 849 points. State Farm gets a ranking of average for purchase experience but is above average in the Auto Claims Satisfaction Study with 881 points. Combined with superior financial strength and positive scores from J.D. Power reflecting a positive claims experience, State Farm is worth consideration for Dardanelle drivers.

Cheapest car insurance in Dardanelle

When searching for the cheapest car insurance in Dardanelle, we compared costs, coverage options and discounts opportunities from the most popular car insurance carriers (based on market share).

Dardanelle’s average cost for car insurance is cheap for minimum coverage compared to Arkansas and the national average, at $424 per year compared to $470 and $565, respectively. As for full coverage insurance, Dardanelle rates are a bit lower than Arkansas’ average annual rate of $1,914, with rates of just $1,830. Comparatively, however, the national average is cheaper overall, at $1,674 per year for full coverage.

Looking at the chart below, USAA is most affordable, with the cheapest car insurance rates for minimum liability-only and full coverage, but is limited to past and present military servicemembers and their families. Nationwide offers optional perks like a vanishing deductible and total loss deductible waiver, and has the second cheapest rates for coverage. With Farmers, you can purchase customized equipment coverage to all your non-standard vehicle parts not typically covered, such as an upgraded sound system or upgraded rims.

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
USAA $280 $1,073
Nationwide $316 $1,237
Farmers $318 $1,285
Progressive $320 $1,298
Geico $342 $2,266

Dardanelle insurance requirements

In Arkansas, if you’re registering a car, you must have enough insurance to satisfy Arkansas minimum liability limits in order to drive legally on the road. The mandatory minimum liability coverage you need to have is:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $25,000 for other person’s property damage

Though you can drive with these limits, there are some instances where higher limits are more beneficial. Higher liability limits may be particularly helpful in accidents involving multiple injuries, or in the event the damage exceeds minimum property damage limits. Full coverage insurance may be a requirement if you finance or lease a vehicle as well.

Car insurance discounts in Dardanelle

To keep rates low for car insurance in Dardanelle, take advantage of as many discounts as you’re eligible for. Some discounts reduce a higher amount from your premium compared to others; these are a few discounts that typically have a significantly positive impact on your car insurance rates:

  • Continuously insured: Unless you’re a brand new driver or never owned a car before, being continuously insured for at least the past six months can save you money vs having a lapse in insurance coverage.
  • Good driver discount: Staying claims free and avoiding tickets is a great way to save on car insurance rates in Dardanelle or elsewhere in Arkansas.
  • Safety features: Having a car with safety features could reduce your risk of injury and provide savings on car insurance. Safety features include, but are not limited to, daytime running lights, multiple airbags throughout the car, traction control and anti-lock brakes.
  • Usage-based discount: With the average Dardanelle employee commuting just 16 minutes to work, allowing an insurance company to monitor the miles you drive could reduce the amount you pay for car insurance.

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, collect quotes to compare to find the right fit.

How much does car insurance in Dardanelle cost?

The average Dardanelle driver can expect to pay $424 per year for liability-only minimum coverage and $1,830 annually for full coverage. Your driving history, vehicle type, coverage needs and other factors will determine your rate for car insurance, which could be more or less than the average cost for the area.

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. Choose the highest limits you can reasonably afford and 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.

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.