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How much is car insurance in Jonesboro?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $6 a month more expensive to insure your vehicle in Jonesboro than it is in the rest of Arkansas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Jonesboro is rather affordable. On average, it's about $12 less to insure your vehicle in Jonesboro than it is in the rest of the U.S.
While these are the average car insurance rates for Jonesboro, keep in mind that you could end up paying a different amount. The amount that insurance companies end up charging you is determined by a number of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
We've broken down the average rates for Jonesboro to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates creep back up once you hit retirement in Jonesboro.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Jonesboro, the difference comes out to about $13 a month. Based on the chart above, you can see that female drivers pay around $62 on average, while male drivers typically pay $75 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Jonesboro with a single accident on their record will usually see rates around $86 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $132.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$89|
|15 Years or Older||$57|
As you can see in the first table above, the cheapest vehicles to insure in Jonesboro are typically SUVs, which run about $59 per month.
Car owners will see rates of about $74, while truck and van owners by and large pay around $62 per month.
Vehicle age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old however, your rates may start to dip back down a bit. In Jonesboro, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$74|
More often than not, married policyholders will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Jonesboro can be as much as $20 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
Another factor taken into consideration is your housing status. Homeowners in Jonesboro can expect to pay around $10 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Jonesboro, AR
Recent trends in car insurance for Jonesboro drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
Auto insurance rates in Jonesboro went up from 2016-2018, before leveling out in 2019. They finished down in 2021, at $61 a month
How does Jonesboro compare to neighboring areas?
Why are car insurance rates in Jonesboro different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Frequency of car accidents
- Total number of drivers in the region
- Access to off-street parking
- Area crime rates
- Regional regulations
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Jonesboro?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing plans in Jonesboro.
Jonesboro Insurance FAQs
What factors affect car insurance quotes in Jonesboro?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Jonesboro different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Jonesboro?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Jonesboro?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Jonesboro or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?