Russellville, AR Car Insurance

On average, Russellville drivers pay a monthly average rate of around $53 for their car insurance. Read our guide below to learn more about your specific rates.
What should residents of Russellville expect to pay for their car insurance? How does Russellville compare to the surrounding area and the rest of Arkansas? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Russellville?

Area Average Monthly Car Insurance Premium
Russellville$53
AR$62
United States$80

Looking at the chart above, you can see it's around $9 a month cheaper to insure your vehicle in Russellville than it is in the rest of Arkansas.

Likewise, car insurance rates in Russellville are often favorable when viewed against the rest of the country. On average, it's about $27 less to insure your vehicle in Russellville than it is in the rest of the United States.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. 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.

We've done the heavy lifting for you and broken down the average rate for Russellville so that you can get a more accurate idea of what your policy will cost you. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$85
25-34$46
35-44$46
45-54Not Enough Data
55-64$36
65+$45

The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates start to rise again once you hit retirement age in Russellville.

Average Car Insurance Rates by Gender

Gender Average
Male$60
Female$47

On average, female drivers pay slightly less than male drivers for car insurance. In Russellville, this difference shakes out to about $13 per month. As you can see in the table above, female drivers in the area typically pay $47 on average, while female drivers typically pay $60 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$72
Multiple Accidents$70
1 Ticket$61
Multiple TicketsNot Enough Data

Your driving record can have a huge impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Russellville, a driving record with a single accident will usually get you a rate around $72 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $61.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$34
4-5 Years$61
6-7 Years$56
8-10 Years$66
11-14 Years$48
15 Years or Older$50

If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Russellville, with drivers paying around $49 per month to insure their vehicle.

Car owners will see rates of about $54, while truck and van owners by and large pay around $53 a month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Russellville, the most expensive vehicles to insure are vehicles eight-to-ten years old and four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$54
Married$50
Divorced$43

Overall, people who are married will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Russellville can be as much as $4 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$51
Rent$51
Live with parents$92

Another factor that comes into play is your living accommodations. The average rates for both homeowners and renters in Russellville are around $51 per month.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Russellville, AR

Recent trends in car insurance for Russellville drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

In Russellville, auto insurance rates had been increasing from 2016-2017, but began to turn downward in 2020. This pattern has continued through 2021 when rates have most recently hit $43.

How does Russellville compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Total number of drivers in the community
  • Road Safety (total number of local car accidents)
  • Local regulations
  • Availability of off-street parking
  • Rate of crime

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Russellville?

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 hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Russellville.

Compare the cheapest quotes from dozens of insurance companies

Russellville Insurance FAQs

What factors affect car insurance quotes in Russellville?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in Russellville 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 Russellville?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Russellville?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Russellville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes