Cheapest Car Insurance Quotes in Bull Shoals

Finding the cheapest car insurance quotes in Bull Shoals shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Bull Shoals Car Insurance

^$ 27

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Bull Shoals

The car insurance rate in Bull Shoals is $859 for a six-month policy, which is $65 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $447, making it a popular choice for budget-conscious drivers. Rates in Bull Shoals can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Bull Shoals

$859

Avg. Car Insurance in Arkansas

$924

National Average

$1140

Cheapest Car Insurance Companies in Bull Shoals

1st place: AutoOwners Insurance Co

At $447 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $586 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $602 for six months, making it the third cheapest auto insurance company in Bull Shoals.

Bull Shoals Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bull Shoals, AR is AutoOwners Insurance Co, offering policies at just $447 for a six-month term. This is followed by Travelers, which has an average six-month premium of $586.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1591 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bull Shoals drivers find the best deals.

Cheap Car Insurance Companies in Bull Shoals, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$447	$76
Travelers	$586	$99
AAA	$602	$102
Southern Farm Bureau	$646	$109
USAA	$658	$111
State Farm	$740	$125
Farm Bureau	$757	$128
Shelter	$812	$137
Nationwide	$862	$145
Auto-Owners	$889	$148
Farmers	$1005	$169
Alfa	$1176	$196
Allstate	$1259	$212
Progressive	$1591	$268

Key Takeaways

Way's key takeaways about car insurance in Bull Shoals

The auto insurance costs in Bull Shoals fall around $447 for six months.
The cheapest auto insurance company in Bull Shoals is USAA.
Teen drivers pay the highest rate in Bull Shoals at $950 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Bull Shoals

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Bull Shoals are given below.

USAA provides the cheapest minimum car insurance coverage in Bull Shoals. Their Average 6 Month Premium is $160. Farmers is the most expensive at $552 for the same period.

Cheapest Liability Coverage in Bull Shoals, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$160	$27
Auto-Owners Insurance Co	$177	$30
State Farm	$199	$33
Auto-Owners	$210	$35
Travelers	$216	$36
AAA	$221	$37
Southern Farm Bureau	$227	$38
Farm Bureau	$232	$39
Alfa	$243	$41
Shelter	$265	$45
Nationwide	$276	$47
Progressive	$293	$49
Allstate	$508	$86
Farmers	$552	$92

Cheapest Full Coverage Car Insurance in Bull Shoals

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Bull Shoals is AutoOwners Insurance Co at $76 per month and $447 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bull Shoals, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$447	$76
Travelers	$586	$99
AAA	$602	$102
Southern Farm Bureau	$646	$109
USAA	$658	$111
State Farm	$740	$125
Farm Bureau	$757	$128
Shelter	$812	$137
Nationwide	$862	$145
Auto-Owners	$889	$148
Farmers	$1005	$169
Alfa	$1176	$196
Allstate	$1259	$212
Progressive	$1591	$268

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Bull Shoals Instantly!

Average Car Insurance in Bull Shoals by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Bull Shoals, AR increasing?

Despite maintaining a clean driving record, your car insurance rates in Bull Shoals, Arkansas, may be increasing due to several external factors. Arkansas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Bull Shoals's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bull Shoals

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

undefined

Cheapest Car Insurance Rates for Teen Drivers in Bull Shoals,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Bull Shoals at $24 per month. At $5590 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$143	$24
Travelers	$237	$40
Auto-Owners Insurance Co	$259	$44
AAA	$276	$47
Southern Farm Bureau	$972	$164
USAA	$1122	$189
Farm Bureau	$1475	$246
State Farm	$1503	$253
Alfa	$1834	$306
Nationwide	$1879	$316
Shelter	$2441	$411
Progressive	$4563	$768
Allstate	$5590	$941
Farmers	$5590	$950

Teen Car Insurance Rates in AR by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Bull Shoals, Southern Farm Bureau is the cheapest car insurance provider. At $271 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Bull Shoals is State Farm, offering rates of around $3685 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Southern Farm Bureau	$271	$46
Home State Ins Group	$276	$47
Travelers	$326	$54
Alfa	$701	$118
USAA	$939	$156
Shelter	$1028	$173
Nationwide	$1039	$175
Progressive	$1326	$223
Farm Bureau	$1370	$229
Farmers	$1381	$233
Allstate	$2525	$420
State Farm	$3685	$627

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Bull Shoals.

Car Insurance Rates with An Accident in Bull Shoals

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Bull Shoals, AR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Bull Shoals

The cheapest car insurance companies after an at-fault accident in Bull Shoals include Hanover and Travelers, offering $166 and $282, respectively. Allstate is an expensive provider with an average six-month premium of $2337.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$166	$28
Travelers	$282	$47
Auto-Owners Insurance Co	$287	$47
Auto-Owners	$337	$58
Home State Ins Group	$353	$59
USAA	$530	$89
State Farm	$547	$92
Farm Bureau	$652	$110
Southern Farm Bureau	$663	$112
Shelter	$823	$139
Farmers	$1276	$215
Nationwide	$1293	$218
Progressive	$1602	$270
Alfa	$1796	$305
Allstate	$2337	$393

Bull Shoals Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bull Shoals AR. For example, the car insurance in Bull Shoals after a DUI increases to $624 for a six month policy. While the rate increases by $265 for a six-month policy in the case of a speeding ticket.

Bull Shoals auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1105	$184
One Med/PIP claim	$1122	$191
Not-at-fault accident	$1127	$188
One comp claim	$1127	$192
Two Med/PIP claims	$1144	$191
Two comp claims	$1171	$199
Failure to wear a seat belt	$1326	$221
Child safety restraint	$1336	$227
Driving without lights	$1336	$223
Failure to show documents	$1353	$230
Driving with expired registration	$1370	$229
Speeding 6 - 10 MPH over limit	$1370	$233
Driving too slowly	$1375	$230
Speeding 11 - 15 MPH over limit	$1375	$233
Speeding in school zone	$1375	$230
Speeding 16 - 20 MPH over limit	$1381	$235
Failure to stop at a red light	$1387	$231
Failure to yield	$1387	$236
Wrong way/wrong lane	$1392	$232
Cell phone violation	$1398	$238
In 65 MPH zone	$1398	$233
Texting while driving	$1398	$238
Following too closely	$1403	$233
Illegal turn	$1403	$239
Improper passing	$1403	$233
Speeding 21 - 25 MPH over limit	$1430	$244
At-fault accident - less than $1000	$1436	$239
Passing school bus	$1447	$246
Operating a vehicle without permission	$1492	$248
Open container	$1520	$259
At-fault accident - $1000-$2000	$1552	$259
At-fault accident - greater than $2000	$1558	$265
DUI	$1729	$288
Racing	$1729	$294
Refusal to submit to a chemical test	$1729	$288
Reckless driving	$1757	$299
Driving with a suspended license	$1806	$301
Leaving scene of an accident/hit and run	$1840	$312

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Bull Shoals after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Bull Shoals.

The cheapest car insurance premiums in Bull Shoals are offered by Hanover at $177 for a six-month policy. However, it can be as expensive as $2353 with companies like Nationwide.

Bull Shoals car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$177	$30
Home State Ins Group	$299	$49
Travelers	$310	$52
State Farm	$580	$98
Farm Bureau	$602	$101
Southern Farm Bureau	$613	$103
USAA	$840	$141
Progressive	$1050	$177
Shelter	$1315	$221
Alfa	$1740	$290
Allstate	$2050	$345
Farmers	$2121	$353
Nationwide	$2353	$396

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Bull Shoals are offered by Hanover at $154. However, it can be as expensive as $1812 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bull Shoals after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$154	$26
Southern Farm Bureau	$166	$28
Auto-Owners Insurance Co	$205	$34
Travelers	$271	$46
Home State Ins Group	$287	$47
State Farm	$519	$87
USAA	$630	$105
Farm Bureau	$823	$140
Nationwide	$939	$158
Progressive	$1016	$171
Shelter	$1066	$178
Farmers	$1238	$208
Alfa	$1696	$283
Allstate	$1812	$308

Car Insurance Price Trends in Bull Shoals, Arkansas

Car insurance rates in Bull Shoals have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Bull Shoals remained steady at $184 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Bull Shoals remained steady at $43 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Bull Shoals?

The car insurance in Bull Shoals is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Bull Shoals?

The cheapest car insurance in Bull Shoals is $76 per month for full coverage.

How much is car insurance in Bull Shoals for teenagers?

Car insurance for teenagers costs $143 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Bull Shoals?

The average cost of car insurance is $924 for a six-month policy. It will cost around $144 per month to insure your car in Bull Shoals.

Is car insurance expensive in Bull Shoals?

Car insurance can be expensive in Bull Shoals if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Bull Shoals can be affordable.

Cheapest Car Insurance Quotes in Bull Shoals

Why you can trust Way?

How Much Is Car Insurance in Bull Shoals

Avg. Car Insurance in Bull Shoals

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Bull Shoals

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Bull Shoals Car Insurance Rates by Company

Cheap Car Insurance Companies in Bull Shoals, AR

Way's key takeaways about car insurance in Bull Shoals

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bull Shoals

Cheapest Liability Coverage in Bull Shoals, AR

Cheapest Full Coverage Car Insurance in Bull Shoals

Cheapest Full Coverage Car Insurance Quotes in Bull Shoals, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bull Shoals by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Bull Shoals, AR increasing?

Car Insurance Premiums by Age in Bull Shoals

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bull Shoals,AR

If you are in your twenties N/A is the best choice for car insurance in Bull Shoals.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Bull Shoals

Cheapest Car Insurance Companies after an At-Fault Accident in Bull Shoals

Bull Shoals Car Insurance Rates by Violation

Bull Shoals auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bull Shoals after a DUI

Bull Shoals car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bull Shoals after Speeding ticket

Car Insurance Price Trends in Bull Shoals, Arkansas

Average Car Insurance Cost in Bull Shoals by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bull Shoals, AR

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources