Texarkana, AR Car Insurance

On average, drivers in Texarkana pay around $51 per month for their car insurance. For more information refer to our guide below.
How does Texarkana stack up to the rest of the area, or even Arkansas as a whole? What rates should residents of Texarkana expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Texarkana?

Area Average Monthly Car Insurance Premium
Texarkana$51
AR$62
United States$80

The cost of coverage in Texarkana is about $11 a month cheaper than it is for the rest of Arkansas.

Likewise, car insurance rates in Texarkana are more affordable than the national average. The average monthly payment in Texarkana is about $29 cheaper than the rate for the rest of the United States.

Although these are the average rates for auto insurance in Texarkana, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

We've analyzed the average rate for Texarkana and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$81
25-34$53
35-44$49
45-54Not Enough Data
55-64$41
65+$52

The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay $29 more than drivers of retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, you may see your rates climb back up in Texarkana.

Average Car Insurance Rates by Gender

Gender Average
Male$54
Female$48

Female drivers pay, on average, slightly less than their male counterparts. In Texarkana, this difference shakes out to about $6 per month. Based on the chart above, you can see that male drivers pay $54 on average, while female drivers typically pay $48 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$64
Multiple Accidents$160
1 Ticket$49
Multiple Tickets$160

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Texarkana with a single accident will pay around $64 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $49.

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$126
2-3 Years$65
4-5 Years$49
6-7 Years$54
8-10 Years$48
11-14 Years$53
15 Years or Older$47

The most affordable vehicles to insure in Texarkana are typically SUVs, which run about $48 per month.

Car owners, on the other hand, usually pay around $51 a month, while truck and van drivers can expect to pay about $54 per month for car insurance.

You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Texarkana, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$51
Married$51
Divorced$51
Widowed$42

Generally, married policyholders will pay slightly less for auto insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

While married drivers normally pay less than single drivers, in Texarkana both groups pay about the same rate.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$49
Rent$52
Live with parents$43

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $3 a month more than drivers who own property in Texarkana. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Texarkana, AR

Recent trends in car insurance for Texarkana drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

Auto insurance rates in Texarkana went up from 2016-2019, when they hit a high of $56. Insurance rates started to turn downward in 2020, and this pattern has continued through 2021, when rates have most recently reached $52.

How does Texarkana compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review several factors. Your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Area crime rates
  • Off-street parking access
  • Total number of drivers
  • Road Safety (how many accidents each locality has)
  • Local regulations

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. 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 Texarkana?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But wait! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from the many car insurance companies providing plans in Texarkana.

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Texarkana Insurance FAQs

What factors affect car insurance quotes in Texarkana?

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 Texarkana different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, 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 Texarkana?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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

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. 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 Texarkana 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