Rogers, AR Car Insurance

On average, Rogers drivers pay a monthly average rate of around $69 for their car insurance. We cover plan rates, policies and more in our guide below.
How do rates in Rogers measure up compared to neighboring areas, including Arkansas as a whole? What rates can residents of Rogers expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Rogers?

Area Average Monthly Car Insurance Premium
Rogers$69
AR$62
United States$80

Based on the information in the chart above, you can see that on average, it's about $7 a month more expensive to insure your vehicle in Rogers than it is in the rest of Arkansas.

However, car insurance rates in Rogers are more affordable than the national average. Car insurance rates for the U.S. as a whole are, on average, $11 more expensive than the rates you'd pay in Rogers.

Although these are the average rates for auto insurance in Rogers, it's important to remember that you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But don't worry, we've broken down the average rate for Rogers residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$195
18-24$107
25-34$55
35-44$55
45-54$50
55-64$47
65+$50

It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. You may see your rates creep back up once you hit retirement in Rogers.

Average Car Insurance Rates by Gender

Gender Average
Male$74
Female$62

Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Rogers is around $12 a month. Based on the chart above, you can see that female drivers pay around $62 on average, while male drivers typically pay $74 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$99
Multiple Accidents$95
1 Ticket$55
Multiple Tickets$148

One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Rogers, a driving record with a single accident will usually get you a rate around $99 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $55.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$56
2-3 Years$88
4-5 Years$56
6-7 Years$61
8-10 Years$60
11-14 Years$78
15 Years or Older$67

If you look at the first table above, the cheapest vehicles to insure in Rogers are typically trucks and vans, at $51 per month.

SUV drivers will see rates of about $58 for car insurance, while car owners usually pay around $74 per month.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Rogers are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$75
Married$56
Divorced$46
Widowed$52

On average, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Rogers, with married couples paying about $19 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$73
Rent$68
Live with parents$90

Another factor taken into consideration is your living situation. Renters can expect to pay around $5 a month less than those who own their own home in Rogers. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Rogers, AR

Recent trends in car insurance for Rogers drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

In Rogers, the rates for auto insurance rose from 2016-2019, when they reached a high of $84. Rates began to decrease in 2020, and this trend has continued through 2021, when rates have most recently hit $68.

How does Rogers compare to neighboring areas?

Why are car insurance rates in Rogers different from other areas?

There are a variety of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • Laws
  • Local crime rates
  • Number of drivers
  • Access to off-street parking
  • Rate of car accidents

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Rogers?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But wait! Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer coverage in Rogers.

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Rogers Insurance FAQs

What factors affect car insurance quotes in Rogers?

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 address, credit score, driving record, and marital status.

Why is the cost of car insurance in Rogers different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Rogers?

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 Rogers?

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 Rogers 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.

Find your best rate in just a few minutes