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Dumas Car Insurance
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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.
The car insurance rate in Dumas is $989 for a six-month policy, which is $65 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $515, making it a popular choice for budget-conscious drivers. Rates in Dumas 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.
At $515 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.
Travelers offers auto insurance rates at $674 for a six-month policy, making it one of the cheapest to insure with.
AAA offers auto insurance rates at $692 for six months, making it the third cheapest auto insurance company in Dumas.
Based on our research, the cheapest car insurance company in Dumas, AR is AutoOwners Insurance Co, offering policies at just $515 for a six-month term. This is followed by Travelers, which has an average six-month premium of $674.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1831 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dumas drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $515 | $88 |
| Travelers | $674 | $113 |
| AAA | $692 | $118 |
| Southern Farm Bureau | $744 | $125 |
| USAA | $756 | $127 |
| State Farm | $852 | $143 |
| Farm Bureau | $871 | $148 |
| Shelter | $934 | $157 |
| Nationwide | $992 | $167 |
| Auto-Owners | $1023 | $170 |
| Farmers | $1157 | $195 |
| Alfa | $1354 | $226 |
| Allstate | $1449 | $244 |
| Progressive | $1831 | $308 |
Save up to $971/yr with our auto insurance quotes
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 Dumas are given below.
USAA provides the cheapest minimum car insurance coverage in Dumas. Their Average 6 Month Premium is $184. Farmers is the most expensive at $636 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $184 | $31 |
| Auto-Owners Insurance Co | $203 | $34 |
| State Farm | $229 | $39 |
| Auto-Owners | $242 | $41 |
| Travelers | $248 | $42 |
| AAA | $255 | $43 |
| Southern Farm Bureau | $261 | $44 |
| Farm Bureau | $266 | $45 |
| Alfa | $279 | $47 |
| Shelter | $305 | $51 |
| Nationwide | $318 | $54 |
| Progressive | $337 | $57 |
| Allstate | $584 | $98 |
| Farmers | $636 | $106 |
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 Dumas is AutoOwners Insurance Co at $88 per month and $515 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $515 | $88 |
| Travelers | $674 | $113 |
| AAA | $692 | $118 |
| Southern Farm Bureau | $744 | $125 |
| USAA | $756 | $127 |
| State Farm | $852 | $143 |
| Farm Bureau | $871 | $148 |
| Shelter | $934 | $157 |
| Nationwide | $992 | $167 |
| Auto-Owners | $1023 | $170 |
| Farmers | $1157 | $195 |
| Alfa | $1354 | $226 |
| Allstate | $1449 | $244 |
| Progressive | $1831 | $308 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Dumas, 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, Dumas's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Dumas at $28 per month. At $6432 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Hanover | $165 | $28 |
| Travelers | $273 | $46 |
| Auto-Owners Insurance Co | $299 | $50 |
| AAA | $318 | $55 |
| Southern Farm Bureau | $1118 | $188 |
| USAA | $1290 | $217 |
| Farm Bureau | $1697 | $282 |
| State Farm | $1729 | $291 |
| Alfa | $2110 | $352 |
| Nationwide | $2161 | $364 |
| Shelter | $2809 | $473 |
| Progressive | $5249 | $884 |
| Allstate | $6432 | $1083 |
| Farmers | $6432 | $1094 |
Teen Car Insurance Rates in AR by Age
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.
For those with poor credit scores in Dumas, Southern Farm Bureau is the cheapest car insurance provider. At $311 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 Dumas is State Farm, offering rates of around $4239 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Southern Farm Bureau | $311 | $52 |
| Home State Ins Group | $318 | $55 |
| Travelers | $375 | $62 |
| Alfa | $807 | $136 |
| USAA | $1081 | $180 |
| Shelter | $1182 | $199 |
| Nationwide | $1195 | $201 |
| Progressive | $1526 | $257 |
| Farm Bureau | $1576 | $263 |
| Farmers | $1589 | $268 |
| Allstate | $2905 | $484 |
| State Farm | $4239 | $721 |
Save up to $971/yr on car insurance rates in Dumas.
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 Dumas, AR, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Dumas include Hanover and Travelers, offering $190 and $324, respectively. Allstate is an expensive provider with an average six-month premium of $2689.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Hanover | $190 | $32 |
| Travelers | $324 | $55 |
| Auto-Owners Insurance Co | $331 | $55 |
| Auto-Owners | $387 | $66 |
| Home State Ins Group | $407 | $67 |
| USAA | $610 | $103 |
| State Farm | $629 | $106 |
| Farm Bureau | $750 | $126 |
| Southern Farm Bureau | $763 | $128 |
| Shelter | $947 | $159 |
| Farmers | $1468 | $247 |
| Nationwide | $1487 | $250 |
| Progressive | $1844 | $310 |
| Alfa | $2066 | $351 |
| Allstate | $2689 | $453 |
Here is a list of driving violations that can increase your car insurance rates in Dumas AR. For example, the car insurance in Dumas after a DUI increases to $718 for a six month policy. While the rate increases by $305 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1271 | $212 |
| One Med/PIP claim | $1290 | $219 |
| Not-at-fault accident | $1297 | $216 |
| One comp claim | $1297 | $220 |
| Two Med/PIP claims | $1316 | $219 |
| Two comp claims | $1347 | $229 |
| Failure to wear a seat belt | $1526 | $255 |
| Child safety restraint | $1538 | $261 |
| Driving without lights | $1538 | $257 |
| Failure to show documents | $1557 | $264 |
| Driving with expired registration | $1576 | $263 |
| Speeding 6 - 10 MPH over limit | $1576 | $268 |
| Driving too slowly | $1583 | $264 |
| Speeding 11 - 15 MPH over limit | $1583 | $269 |
| Speeding in school zone | $1583 | $264 |
| Speeding 16 - 20 MPH over limit | $1589 | $271 |
| Failure to stop at a red light | $1595 | $265 |
| Failure to yield | $1595 | $272 |
| Wrong way/wrong lane | $1602 | $266 |
| Cell phone violation | $1608 | $274 |
| In 65 MPH zone | $1608 | $268 |
| Texting while driving | $1608 | $274 |
| Following too closely | $1615 | $269 |
| Illegal turn | $1615 | $275 |
| Improper passing | $1615 | $269 |
| Speeding 21 - 25 MPH over limit | $1646 | $280 |
| At-fault accident - less than $1000 | $1652 | $275 |
| Passing school bus | $1665 | $284 |
| Operating a vehicle without permission | $1716 | $286 |
| Open container | $1748 | $297 |
| At-fault accident - $1000-$2000 | $1786 | $297 |
| At-fault accident - greater than $2000 | $1792 | $305 |
| DUI | $1989 | $332 |
| Racing | $1989 | $338 |
| Refusal to submit to a chemical test | $1989 | $332 |
| Reckless driving | $2021 | $343 |
| Driving with a suspended license | $2078 | $347 |
| Leaving scene of an accident/hit and run | $2116 | $360 |
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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.
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 Dumas.
The cheapest car insurance premiums in Dumas are offered by Hanover at $203 for a six-month policy. However, it can be as expensive as $2707 with companies like Nationwide.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Hanover | $203 | $34 |
| Home State Ins Group | $343 | $57 |
| Travelers | $356 | $60 |
| State Farm | $668 | $112 |
| Farm Bureau | $692 | $117 |
| Southern Farm Bureau | $705 | $119 |
| USAA | $966 | $163 |
| Progressive | $1208 | $203 |
| Shelter | $1513 | $255 |
| Alfa | $2002 | $334 |
| Allstate | $2358 | $397 |
| Farmers | $2441 | $407 |
| Nationwide | $2707 | $456 |
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 Dumas are offered by Hanover at $178. However, it can be as expensive as $2084 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Hanover | $178 | $30 |
| Southern Farm Bureau | $190 | $32 |
| Auto-Owners Insurance Co | $235 | $40 |
| Travelers | $311 | $52 |
| Home State Ins Group | $331 | $55 |
| State Farm | $597 | $101 |
| USAA | $724 | $121 |
| Farm Bureau | $947 | $161 |
| Nationwide | $1081 | $182 |
| Progressive | $1170 | $197 |
| Shelter | $1226 | $204 |
| Farmers | $1424 | $240 |
| Alfa | $1952 | $325 |
| Allstate | $2084 | $354 |
Car insurance rates in Dumas have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Dumas remained steady at $212 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Dumas remained steady at $49 in both December and November, indicating no change over the two month period.
How much is car insurance in Dumas?
The car insurance in Dumas is $31 per month, which is lower than the national average.
What is the cheapest car insurance in Dumas?
The cheapest car insurance in Dumas is $88 per month for full coverage.
How much is car insurance in Dumas for teenagers?
Car insurance for teenagers costs $165 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 Dumas?
The average cost of car insurance is $924 for a six-month policy. It will cost around $166 per month to insure your car in Dumas.
Is car insurance expensive in Dumas?
Car insurance can be expensive in Dumas if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Dumas can be affordable.
What is the best car insurance in Dumas, AR?
The best car insurance company in Dumas AR is AutoOwners Insurance Co, offering $515 for a six-month policy.
Cut auto insurance costs in Dumas right now.