Cheapest Car Insurance Quotes in Gilmore

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Gilmore Car Insurance

^$ 30

/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 Gilmore

The car insurance rate in Gilmore is $942 for a six-month policy, which is $18 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $491, making it a popular choice for budget-conscious drivers. Rates in Gilmore 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 Gilmore

$942

Avg. Car Insurance in Arkansas

$924

National Average

$1140

Cheapest Car Insurance Companies in Gilmore

1st place: AutoOwners Insurance Co

At $491 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 $643 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $660 for six months, making it the third cheapest auto insurance company in Gilmore.

Gilmore Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gilmore, AR is AutoOwners Insurance Co, offering policies at just $491 for a six-month term. This is followed by Travelers, which has an average six-month premium of $643.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1745 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gilmore drivers find the best deals.

Cheap Car Insurance Companies in Gilmore, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$491	$84
Travelers	$643	$108
AAA	$660	$112
Southern Farm Bureau	$709	$119
USAA	$721	$121
State Farm	$812	$137
Farm Bureau	$830	$141
Shelter	$890	$150
Nationwide	$946	$159
Auto-Owners	$975	$162
Farmers	$1103	$186
Alfa	$1290	$215
Allstate	$1381	$233
Progressive	$1745	$294

Key Takeaways

Way's key takeaways about car insurance in Gilmore

The auto insurance costs in Gilmore fall around $491 for six months.
The cheapest auto insurance company in Gilmore is USAA.
Teen drivers pay the highest rate in Gilmore at $1042 per month.

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Cheapest Minimum Liability Car Insurance in Gilmore

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 Gilmore are given below.

USAA provides the cheapest minimum car insurance coverage in Gilmore. Their Average 6 Month Premium is $175. Farmers is the most expensive at $606 for the same period.

Cheapest Liability Coverage in Gilmore, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$175	$30
Auto-Owners Insurance Co	$194	$33
State Farm	$218	$37
Auto-Owners	$231	$39
Travelers	$237	$40
AAA	$243	$41
Southern Farm Bureau	$249	$42
Farm Bureau	$254	$43
Alfa	$266	$45
Shelter	$291	$49
Nationwide	$303	$51
Progressive	$321	$54
Allstate	$557	$94
Farmers	$606	$101

Cheapest Full Coverage Car Insurance in Gilmore

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 Gilmore is AutoOwners Insurance Co at $84 per month and $491 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gilmore, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$491	$84
Travelers	$643	$108
AAA	$660	$112
Southern Farm Bureau	$709	$119
USAA	$721	$121
State Farm	$812	$137
Farm Bureau	$830	$141
Shelter	$890	$150
Nationwide	$946	$159
Auto-Owners	$975	$162
Farmers	$1103	$186
Alfa	$1290	$215
Allstate	$1381	$233
Progressive	$1745	$294

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Average Car Insurance in Gilmore 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 Gilmore, AR increasing?

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

Car Insurance Premiums by Age in Gilmore

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 Gilmore,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Gilmore at $27 per month. At $6131 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$157	$27
Travelers	$260	$44
Auto-Owners Insurance Co	$285	$48
AAA	$303	$52
Southern Farm Bureau	$1066	$180
USAA	$1230	$207
Farm Bureau	$1618	$269
State Farm	$1648	$277
Alfa	$2011	$336
Nationwide	$2060	$347
Shelter	$2678	$451
Progressive	$5004	$843
Allstate	$6131	$1032
Farmers	$6131	$1042

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 Gilmore, Southern Farm Bureau is the cheapest car insurance provider. At $297 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 Gilmore is State Farm, offering rates of around $4041 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Southern Farm Bureau	$297	$50
Home State Ins Group	$303	$52
Travelers	$357	$59
Alfa	$769	$130
USAA	$1030	$171
Shelter	$1127	$190
Nationwide	$1139	$192
Progressive	$1455	$245
Farm Bureau	$1502	$251
Farmers	$1515	$255
Allstate	$2769	$461
State Farm	$4041	$687

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Car Insurance Rates with An Accident in Gilmore

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

Cheapest Car Insurance Companies after an At-Fault Accident in Gilmore

The cheapest car insurance companies after an at-fault accident in Gilmore include Hanover and Travelers, offering $182 and $309, respectively. Allstate is an expensive provider with an average six-month premium of $2563.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$182	$31
Travelers	$309	$52
Auto-Owners Insurance Co	$315	$52
Auto-Owners	$369	$63
Home State Ins Group	$388	$64
USAA	$581	$98
State Farm	$600	$101
Farm Bureau	$715	$120
Southern Farm Bureau	$727	$122
Shelter	$903	$152
Farmers	$1399	$236
Nationwide	$1418	$239
Progressive	$1757	$296
Alfa	$1970	$335
Allstate	$2563	$431

Gilmore Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gilmore AR. For example, the car insurance in Gilmore after a DUI increases to $684 for a six month policy. While the rate increases by $290 for a six-month policy in the case of a speeding ticket.

Gilmore auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1212	$202
One Med/PIP claim	$1230	$209
Not-at-fault accident	$1236	$206
One comp claim	$1236	$210
Two Med/PIP claims	$1255	$209
Two comp claims	$1284	$218
Failure to wear a seat belt	$1455	$243
Child safety restraint	$1466	$249
Driving without lights	$1466	$245
Failure to show documents	$1484	$252
Driving with expired registration	$1502	$251
Speeding 6 - 10 MPH over limit	$1502	$255
Driving too slowly	$1509	$252
Speeding 11 - 15 MPH over limit	$1509	$256
Speeding in school zone	$1509	$252
Speeding 16 - 20 MPH over limit	$1515	$258
Failure to stop at a red light	$1521	$253
Failure to yield	$1521	$259
Wrong way/wrong lane	$1527	$254
Cell phone violation	$1533	$261
In 65 MPH zone	$1533	$255
Texting while driving	$1533	$261
Following too closely	$1539	$256
Illegal turn	$1539	$262
Improper passing	$1539	$256
Speeding 21 - 25 MPH over limit	$1569	$267
At-fault accident - less than $1000	$1575	$262
Passing school bus	$1587	$270
Operating a vehicle without permission	$1636	$272
Open container	$1667	$284
At-fault accident - $1000-$2000	$1702	$284
At-fault accident - greater than $2000	$1709	$291
DUI	$1896	$316
Racing	$1896	$322
Refusal to submit to a chemical test	$1896	$316
Reckless driving	$1927	$327
Driving with a suspended license	$1981	$330
Leaving scene of an accident/hit and run	$2018	$343

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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 Gilmore 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 Gilmore.

The cheapest car insurance premiums in Gilmore are offered by Hanover at $194 for a six-month policy. However, it can be as expensive as $2581 with companies like Nationwide.

Gilmore car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$194	$33
Home State Ins Group	$327	$54
Travelers	$340	$57
State Farm	$636	$107
Farm Bureau	$660	$111
Southern Farm Bureau	$672	$113
USAA	$921	$155
Progressive	$1152	$194
Shelter	$1442	$243
Alfa	$1908	$318
Allstate	$2248	$378
Farmers	$2327	$388
Nationwide	$2581	$435

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 Gilmore are offered by Hanover at $169. However, it can be as expensive as $1987 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Gilmore after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$169	$29
Southern Farm Bureau	$182	$31
Auto-Owners Insurance Co	$224	$38
Travelers	$297	$50
Home State Ins Group	$315	$52
State Farm	$569	$96
USAA	$691	$115
Farm Bureau	$903	$153
Nationwide	$1030	$173
Progressive	$1115	$188
Shelter	$1169	$195
Farmers	$1358	$228
Alfa	$1860	$310
Allstate	$1987	$338

Car Insurance Price Trends in Gilmore, Arkansas

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

The average cost of full coverage in the Gilmore remained steady at $202 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Gilmore remained steady at $47 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 Gilmore?

The car insurance in Gilmore is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Gilmore?

The cheapest car insurance in Gilmore is $84 per month for full coverage.

How much is car insurance in Gilmore for teenagers?

Car insurance for teenagers costs $157 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 Gilmore?

The average cost of car insurance is $924 for a six-month policy. It will cost around $158 per month to insure your car in Gilmore.

Is car insurance expensive in Gilmore?

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

Cheapest Car Insurance Quotes in Gilmore

Why you can trust Way?

How Much Is Car Insurance in Gilmore

Avg. Car Insurance in Gilmore

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Gilmore

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Gilmore Car Insurance Rates by Company

Cheap Car Insurance Companies in Gilmore, AR

Way's key takeaways about car insurance in Gilmore

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Gilmore

Cheapest Liability Coverage in Gilmore, AR

Cheapest Full Coverage Car Insurance in Gilmore

Cheapest Full Coverage Car Insurance Quotes in Gilmore, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Gilmore by Rating Factor

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

Car Insurance Premiums by Age in Gilmore

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Gilmore,AR

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

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 Gilmore

Cheapest Car Insurance Companies after an At-Fault Accident in Gilmore

Gilmore Car Insurance Rates by Violation

Gilmore auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Gilmore after a DUI

Gilmore car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Gilmore after Speeding ticket

Car Insurance Price Trends in Gilmore, Arkansas

Average Car Insurance Cost in Gilmore by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Gilmore, AR

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

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