Cheapest Car Insurance Quotes in Cave Springs

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Cave Springs Car Insurance

^$ 26

/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 Cave Springs

The car insurance rate in Cave Springs is $813 for a six-month policy, which is $111 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $423, making it a popular choice for budget-conscious drivers. Rates in Cave Springs 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 Cave Springs

$813

Avg. Car Insurance in Arkansas

$924

National Average

$1140

Cheapest Car Insurance Companies in Cave Springs

1st place: AutoOwners Insurance Co

At $423 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 $554 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $569 for six months, making it the third cheapest auto insurance company in Cave Springs.

Cave Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cave Springs, AR is AutoOwners Insurance Co, offering policies at just $423 for a six-month term. This is followed by Travelers, which has an average six-month premium of $554.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1506 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cave Springs drivers find the best deals.

Cheap Car Insurance Companies in Cave Springs, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$423	$72
Travelers	$554	$93
AAA	$569	$97
Southern Farm Bureau	$612	$103
USAA	$622	$105
State Farm	$700	$118
Farm Bureau	$716	$121
Shelter	$768	$129
Nationwide	$816	$137
Auto-Owners	$841	$140
Farmers	$951	$160
Alfa	$1113	$186
Allstate	$1192	$201
Progressive	$1506	$253

Key Takeaways

Way's key takeaways about car insurance in Cave Springs

The auto insurance costs in Cave Springs fall around $423 for six months.
The cheapest auto insurance company in Cave Springs is USAA.
Teen drivers pay the highest rate in Cave Springs at $899 per month.

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Cheapest Minimum Liability Car Insurance in Cave Springs

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 Cave Springs are given below.

USAA provides the cheapest minimum car insurance coverage in Cave Springs. Their Average 6 Month Premium is $151. Farmers is the most expensive at $523 for the same period.

Cheapest Liability Coverage in Cave Springs, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$151	$26
Auto-Owners Insurance Co	$167	$28
State Farm	$188	$32
Auto-Owners	$199	$33
Travelers	$204	$34
AAA	$209	$35
Southern Farm Bureau	$215	$36
Farm Bureau	$219	$37
Alfa	$230	$39
Shelter	$251	$42
Nationwide	$261	$44
Progressive	$277	$47
Allstate	$480	$81
Farmers	$523	$87

Cheapest Full Coverage Car Insurance in Cave Springs

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 Cave Springs is AutoOwners Insurance Co at $72 per month and $423 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cave Springs, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$423	$72
Travelers	$554	$93
AAA	$569	$97
Southern Farm Bureau	$612	$103
USAA	$622	$105
State Farm	$700	$118
Farm Bureau	$716	$121
Shelter	$768	$129
Nationwide	$816	$137
Auto-Owners	$841	$140
Farmers	$951	$160
Alfa	$1113	$186
Allstate	$1192	$201
Progressive	$1506	$253

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Average Car Insurance in Cave Springs 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 Cave Springs, AR increasing?

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

Car Insurance Premiums by Age in Cave Springs

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 Cave Springs,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Cave Springs at $23 per month. At $5290 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$136	$23
Travelers	$224	$38
Auto-Owners Insurance Co	$246	$41
AAA	$261	$45
Southern Farm Bureau	$920	$155
USAA	$1061	$179
Farm Bureau	$1396	$232
State Farm	$1422	$239
Alfa	$1735	$290
Nationwide	$1778	$299
Shelter	$2310	$389
Progressive	$4317	$727
Allstate	$5290	$891
Farmers	$5290	$899

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 Cave Springs, Southern Farm Bureau is the cheapest car insurance provider. At $256 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 Cave Springs is State Farm, offering rates of around $3487 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Southern Farm Bureau	$256	$43
Home State Ins Group	$261	$45
Travelers	$308	$51
Alfa	$664	$112
USAA	$889	$148
Shelter	$972	$164
Nationwide	$983	$165
Progressive	$1255	$211
Farm Bureau	$1296	$216
Farmers	$1307	$220
Allstate	$2389	$398
State Farm	$3487	$593

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Car Insurance Rates with An Accident in Cave Springs

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 Cave Springs, AR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cave Springs

The cheapest car insurance companies after an at-fault accident in Cave Springs include Hanover and Travelers, offering $157 and $267, respectively. Allstate is an expensive provider with an average six-month premium of $2211.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$157	$26
Travelers	$267	$45
Auto-Owners Insurance Co	$272	$45
Auto-Owners	$319	$55
Home State Ins Group	$334	$55
USAA	$502	$84
State Farm	$517	$87
Farm Bureau	$617	$104
Southern Farm Bureau	$627	$106
Shelter	$779	$131
Farmers	$1207	$203
Nationwide	$1223	$206
Progressive	$1516	$255
Alfa	$1699	$289
Allstate	$2211	$372

Cave Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cave Springs AR. For example, the car insurance in Cave Springs after a DUI increases to $591 for a six month policy. While the rate increases by $251 for a six-month policy in the case of a speeding ticket.

Cave Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1045	$174
One Med/PIP claim	$1061	$180
Not-at-fault accident	$1067	$178
One comp claim	$1067	$181
Two Med/PIP claims	$1082	$180
Two comp claims	$1108	$188
Failure to wear a seat belt	$1255	$209
Child safety restraint	$1265	$215
Driving without lights	$1265	$211
Failure to show documents	$1280	$217
Driving with expired registration	$1296	$216
Speeding 6 - 10 MPH over limit	$1296	$220
Driving too slowly	$1302	$217
Speeding 11 - 15 MPH over limit	$1302	$221
Speeding in school zone	$1302	$217
Speeding 16 - 20 MPH over limit	$1307	$223
Failure to stop at a red light	$1312	$218
Failure to yield	$1312	$224
Wrong way/wrong lane	$1317	$219
Cell phone violation	$1323	$225
In 65 MPH zone	$1323	$220
Texting while driving	$1323	$225
Following too closely	$1328	$221
Illegal turn	$1328	$226
Improper passing	$1328	$221
Speeding 21 - 25 MPH over limit	$1353	$231
At-fault accident - less than $1000	$1359	$226
Passing school bus	$1369	$233
Operating a vehicle without permission	$1412	$235
Open container	$1438	$245
At-fault accident - $1000-$2000	$1469	$245
At-fault accident - greater than $2000	$1474	$251
DUI	$1636	$273
Racing	$1636	$278
Refusal to submit to a chemical test	$1636	$273
Reckless driving	$1662	$282
Driving with a suspended license	$1709	$285
Leaving scene of an accident/hit and run	$1741	$296

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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 Cave Springs 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 Cave Springs.

The cheapest car insurance premiums in Cave Springs are offered by Hanover at $167 for a six-month policy. However, it can be as expensive as $2226 with companies like Nationwide.

Cave Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$167	$28
Home State Ins Group	$282	$47
Travelers	$293	$49
State Farm	$549	$92
Farm Bureau	$569	$96
Southern Farm Bureau	$580	$98
USAA	$795	$134
Progressive	$994	$167
Shelter	$1244	$209
Alfa	$1646	$275
Allstate	$1940	$326
Farmers	$2007	$334
Nationwide	$2226	$375

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 Cave Springs are offered by Hanover at $146. However, it can be as expensive as $1714 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cave Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$146	$25
Southern Farm Bureau	$157	$26
Auto-Owners Insurance Co	$194	$33
Travelers	$256	$43
Home State Ins Group	$272	$45
State Farm	$491	$83
USAA	$596	$99
Farm Bureau	$779	$132
Nationwide	$889	$150
Progressive	$962	$162
Shelter	$1008	$168
Farmers	$1171	$197
Alfa	$1605	$268
Allstate	$1714	$291

Car Insurance Price Trends in Cave Springs, Arkansas

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

The average cost of full coverage in the Cave Springs remained steady at $174 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Cave Springs remained steady at $40 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 Cave Springs?

The car insurance in Cave Springs is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Cave Springs?

The cheapest car insurance in Cave Springs is $72 per month for full coverage.

How much is car insurance in Cave Springs for teenagers?

Car insurance for teenagers costs $136 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 Cave Springs?

The average cost of car insurance is $924 for a six-month policy. It will cost around $136 per month to insure your car in Cave Springs.

Is car insurance expensive in Cave Springs?

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

Cheapest Car Insurance Quotes in Cave Springs

Why you can trust Way?

How Much Is Car Insurance in Cave Springs

Avg. Car Insurance in Cave Springs

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Cave Springs

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Cave Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Cave Springs, AR

Way's key takeaways about car insurance in Cave Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cave Springs

Cheapest Liability Coverage in Cave Springs, AR

Cheapest Full Coverage Car Insurance in Cave Springs

Cheapest Full Coverage Car Insurance Quotes in Cave Springs, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cave Springs by Rating Factor

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

Car Insurance Premiums by Age in Cave Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cave Springs,AR

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

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 Cave Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Cave Springs

Cave Springs Car Insurance Rates by Violation

Cave Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cave Springs after a DUI

Cave Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cave Springs after Speeding ticket

Car Insurance Price Trends in Cave Springs, Arkansas

Average Car Insurance Cost in Cave Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cave Springs, AR

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

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