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How much is car insurance in Russellville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $5 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. You can expect to pay about $22 less for your policy in Russellville than in the rest of United States.
Keep in mind that while these are the average car insurance rates for Russellville, it isn't guaranteed that it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
Don't worry, we've done the work for you and broken down average rates for Russellville to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay $51 more than someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates begin to increase again in Russellville.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The price to insure your vehicle in Russellville, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. The rate for drivers in Russellville with a single accident on their record is about $74 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $81.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$65|
|15 Years or Older||$59|
According to the first table above, the cheapest vehicles to insure in Russellville are typically trucks and vans, at $57 per month.
Cars and SUVs, however, usually cost about $59 for auto insurance coverage.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Russellville, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
Overall, married policyholders will pay slightly less to insure their vehicle. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Russellville is no exception, with the difference totaling to around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $2 less than drivers who own property in Russellville. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Russellville, AR
Recent trends in car insurance for Russellville drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Russellville, auto insurance rates declined from 2017-2018, but started to rise in 2021. This pattern has continued and policy premiums reached a high of $75 per month in 2022.
How does Russellville compare to neighboring areas?
Why are car insurance rates in Russellville different from other areas?
Car insurance companies take in a number of factors when figuring out how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:
- Regional regulations
- Road safety
- Off-street parking availability
- Total number of drivers in the area
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Russellville?
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.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing plans in Russellville.
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Russellville Insurance FAQs
What factors affect car insurance quotes in Russellville?
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 marital status, credit score, address, and driving record.
Why is the cost of car insurance in Russellville different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Russellville?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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?
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