Cheapest Car Insurance Quotes in Caddo Gap

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Caddo Gap Car Insurance

^$ 31

/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 Caddo Gap

The car insurance rate in Caddo Gap is $979 for a six-month policy, which is $55 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $510, making it a popular choice for budget-conscious drivers. Rates in Caddo Gap 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 Caddo Gap

$979

Avg. Car Insurance in Arkansas

$924

National Average

$1140

Cheapest Car Insurance Companies in Caddo Gap

1st place: AutoOwners Insurance Co

At $510 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 $668 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $686 for six months, making it the third cheapest auto insurance company in Caddo Gap.

Caddo Gap Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Caddo Gap, AR is AutoOwners Insurance Co, offering policies at just $510 for a six-month term. This is followed by Travelers, which has an average six-month premium of $668.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1814 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Caddo Gap drivers find the best deals.

Cheap Car Insurance Companies in Caddo Gap, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$510	$87
Travelers	$668	$112
AAA	$686	$117
Southern Farm Bureau	$737	$124
USAA	$749	$126
State Farm	$844	$142
Farm Bureau	$863	$146
Shelter	$925	$156
Nationwide	$983	$165
Auto-Owners	$1013	$169
Farmers	$1146	$193
Alfa	$1341	$224
Allstate	$1435	$242
Progressive	$1814	$305

Key Takeaways

Way's key takeaways about car insurance in Caddo Gap

The auto insurance costs in Caddo Gap fall around $510 for six months.
The cheapest auto insurance company in Caddo Gap is USAA.
Teen drivers pay the highest rate in Caddo Gap at $1083 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 Caddo Gap

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 Caddo Gap are given below.

USAA provides the cheapest minimum car insurance coverage in Caddo Gap. Their Average 6 Month Premium is $182. Farmers is the most expensive at $630 for the same period.

Cheapest Liability Coverage in Caddo Gap, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$182	$31
Auto-Owners Insurance Co	$201	$34
State Farm	$227	$38
Auto-Owners	$240	$40
Travelers	$246	$41
AAA	$252	$42
Southern Farm Bureau	$259	$43
Farm Bureau	$264	$45
Alfa	$277	$47
Shelter	$302	$51
Nationwide	$315	$53
Progressive	$334	$56
Allstate	$579	$98
Farmers	$630	$105

Cheapest Full Coverage Car Insurance in Caddo Gap

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 Caddo Gap is AutoOwners Insurance Co at $87 per month and $510 for six months.

Cheapest Full Coverage Car Insurance Quotes in Caddo Gap, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$510	$87
Travelers	$668	$112
AAA	$686	$117
Southern Farm Bureau	$737	$124
USAA	$749	$126
State Farm	$844	$142
Farm Bureau	$863	$146
Shelter	$925	$156
Nationwide	$983	$165
Auto-Owners	$1013	$169
Farmers	$1146	$193
Alfa	$1341	$224
Allstate	$1435	$242
Progressive	$1814	$305

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Average Car Insurance in Caddo Gap 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 Caddo Gap, AR increasing?

Despite maintaining a clean driving record, your car insurance rates in Caddo Gap, 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, Caddo Gap's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Caddo Gap

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

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Cheapest Car Insurance Rates for Teen Drivers in Caddo Gap,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Caddo Gap at $28 per month. At $6372 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$163	$28
Travelers	$270	$46
Auto-Owners Insurance Co	$296	$50
AAA	$315	$54
Southern Farm Bureau	$1108	$187
USAA	$1278	$215
Farm Bureau	$1681	$280
State Farm	$1713	$288
Alfa	$2090	$349
Nationwide	$2141	$360
Shelter	$2783	$469
Progressive	$5200	$876
Allstate	$6372	$1073
Farmers	$6372	$1083

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 Caddo Gap, Southern Farm Bureau is the cheapest car insurance provider. At $308 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 Caddo Gap is State Farm, offering rates of around $4200 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Southern Farm Bureau	$308	$52
Home State Ins Group	$315	$54
Travelers	$371	$61
Alfa	$799	$135
USAA	$1071	$178
Shelter	$1171	$197
Nationwide	$1184	$199
Progressive	$1512	$254
Farm Bureau	$1561	$261
Farmers	$1574	$265
Allstate	$2878	$479
State Farm	$4200	$714

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Save up to $971/yr on car insurance rates in Caddo Gap.

Car Insurance Rates with An Accident in Caddo Gap

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 Caddo Gap, AR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Caddo Gap

The cheapest car insurance companies after an at-fault accident in Caddo Gap include Hanover and Travelers, offering $189 and $321, respectively. Allstate is an expensive provider with an average six-month premium of $2664.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$189	$32
Travelers	$321	$54
Auto-Owners Insurance Co	$328	$54
Auto-Owners	$384	$66
Home State Ins Group	$403	$67
USAA	$604	$102
State Farm	$623	$105
Farm Bureau	$743	$125
Southern Farm Bureau	$756	$127
Shelter	$938	$158
Farmers	$1454	$245
Nationwide	$1473	$248
Progressive	$1826	$307
Alfa	$2047	$348
Allstate	$2664	$448

Caddo Gap Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Caddo Gap AR. For example, the car insurance in Caddo Gap after a DUI increases to $712 for a six month policy. While the rate increases by $302 for a six-month policy in the case of a speeding ticket.

Caddo Gap auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1259	$210
One Med/PIP claim	$1278	$217
Not-at-fault accident	$1285	$214
One comp claim	$1285	$218
Two Med/PIP claims	$1304	$217
Two comp claims	$1335	$227
Failure to wear a seat belt	$1512	$252
Child safety restraint	$1523	$259
Driving without lights	$1523	$254
Failure to show documents	$1542	$262
Driving with expired registration	$1561	$261
Speeding 6 - 10 MPH over limit	$1561	$265
Driving too slowly	$1568	$262
Speeding 11 - 15 MPH over limit	$1568	$266
Speeding in school zone	$1568	$262
Speeding 16 - 20 MPH over limit	$1574	$268
Failure to stop at a red light	$1580	$263
Failure to yield	$1580	$269
Wrong way/wrong lane	$1587	$264
Cell phone violation	$1593	$271
In 65 MPH zone	$1593	$265
Texting while driving	$1593	$271
Following too closely	$1600	$266
Illegal turn	$1600	$272
Improper passing	$1600	$266
Speeding 21 - 25 MPH over limit	$1630	$278
At-fault accident - less than $1000	$1637	$272
Passing school bus	$1649	$281
Operating a vehicle without permission	$1700	$283
Open container	$1732	$295
At-fault accident - $1000-$2000	$1769	$295
At-fault accident - greater than $2000	$1776	$302
DUI	$1971	$329
Racing	$1971	$335
Refusal to submit to a chemical test	$1971	$329
Reckless driving	$2002	$340
Driving with a suspended license	$2059	$343
Leaving scene of an accident/hit and run	$2097	$356

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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 Caddo Gap 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 Caddo Gap.

The cheapest car insurance premiums in Caddo Gap are offered by Hanover at $201 for a six-month policy. However, it can be as expensive as $2682 with companies like Nationwide.

Caddo Gap car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$201	$34
Home State Ins Group	$340	$56
Travelers	$353	$59
State Farm	$661	$111
Farm Bureau	$686	$116
Southern Farm Bureau	$699	$118
USAA	$957	$161
Progressive	$1197	$201
Shelter	$1499	$252
Alfa	$1983	$331
Allstate	$2336	$393
Farmers	$2418	$403
Nationwide	$2682	$452

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 Caddo Gap are offered by Hanover at $176. However, it can be as expensive as $2065 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Caddo Gap after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$176	$30
Southern Farm Bureau	$189	$32
Auto-Owners Insurance Co	$233	$39
Travelers	$308	$52
Home State Ins Group	$328	$54
State Farm	$591	$100
USAA	$718	$120
Farm Bureau	$938	$159
Nationwide	$1071	$180
Progressive	$1159	$195
Shelter	$1215	$202
Farmers	$1411	$237
Alfa	$1933	$322
Allstate	$2065	$351

Car Insurance Price Trends in Caddo Gap, Arkansas

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

The average cost of full coverage in the Caddo Gap remained steady at $210 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Caddo Gap remained steady at $49 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Caddo Gap?

The car insurance in Caddo Gap is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Caddo Gap?

The cheapest car insurance in Caddo Gap is $87 per month for full coverage.

How much is car insurance in Caddo Gap for teenagers?

Car insurance for teenagers costs $163 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 Caddo Gap?

The average cost of car insurance is $924 for a six-month policy. It will cost around $164 per month to insure your car in Caddo Gap.

Is car insurance expensive in Caddo Gap?

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

Cheapest Car Insurance Quotes in Caddo Gap

Why you can trust Way?

How Much Is Car Insurance in Caddo Gap

Avg. Car Insurance in Caddo Gap

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Caddo Gap

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Caddo Gap Car Insurance Rates by Company

Cheap Car Insurance Companies in Caddo Gap, AR

Way's key takeaways about car insurance in Caddo Gap

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Caddo Gap

Cheapest Liability Coverage in Caddo Gap, AR

Cheapest Full Coverage Car Insurance in Caddo Gap

Cheapest Full Coverage Car Insurance Quotes in Caddo Gap, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Caddo Gap by Rating Factor

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

Car Insurance Premiums by Age in Caddo Gap

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Caddo Gap,AR

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

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 Caddo Gap

Cheapest Car Insurance Companies after an At-Fault Accident in Caddo Gap

Caddo Gap Car Insurance Rates by Violation

Caddo Gap auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Caddo Gap after a DUI

Caddo Gap car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Caddo Gap after Speeding ticket

Car Insurance Price Trends in Caddo Gap, Arkansas

Average Car Insurance Cost in Caddo Gap by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Caddo Gap, AR

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

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