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How much is car insurance in Jonesboro?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Jonesboro are about $9 a month more expensive than the rest of Arkansas.
On the flip side, the expected monthly payments for an auto insurance policy in Jonesboro are below the national average. You can expect to pay about $8 below the national average for auto insurance in Jonesboro.
Although these are the average rates for auto insurance in Jonesboro, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Jonesboro residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Jonesboro may see their rates begin to go back up once they hit retirement age.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This is true in Jonesboro, where male drivers pay about $9 more per month. Based on the chart above, you can see that female drivers pay around $69 on average, while male drivers typically pay $78 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay much less than those with multiple infractions. Drivers in Jonesboro with one accident will pay around $97 a month. Likewise, drivers with one ticket will be looking at a rate of around $96 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$94|
|15 Years or Older||$66|
The cheapest vehicles to insure in Jonesboro are usually trucks and vans, with each type typically costing about $66 per month.
Car owners, on the other hand, typically pay around $78 a month, while SUV drivers can expect to pay about $68 per month for auto insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Jonesboro are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
More often than not, married policyholders will pay slightly less for car insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Jonesboro as well, where the difference is around $23 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$83|
Another factor that comes into play is your housing status. Those who own their own home in Jonesboro can expect to pay around $16 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Jonesboro, AR
Recent trends in car insurance for Jonesboro drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
Car insurance rates in Jonesboro rose from 2017-2018, before steadying out in 2019. Insurance rates went up again, hitting a high of $78 in 2021, and finished down at $76 in 2022.
How does Jonesboro compare to neighboring areas?
Why are car insurance rates in Jonesboro different from other areas?
Car insurance companies take in numerous factors when deciding how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Off-street parking access
- Area crime rates
- Number of drivers in the community
- Area laws
- Road Safety (frequency of car accidents)
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. Each area will have different rates. Guides like these are a wonderful place to get started.
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.
Good news! Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Jonesboro in no time.
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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 gender and age, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Jonesboro different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Jonesboro?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Jonesboro?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Jonesboro or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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