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Finding the cheapest car insurance quotes in Gravelly 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.
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 Gravelly
The car insurance rate in Gravelly is $896 for a six-month policy, which is $28 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $467, making it a popular choice for budget-conscious drivers. Rates in Gravelly 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 $467 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 $611 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: AAA
AAA offers auto insurance
rates at $628
for six months, making it
the third cheapest auto insurance company in Gravelly.
Gravelly Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Gravelly, AR is AutoOwners Insurance Co, offering policies at just $467 for a six-month term. This is followed by Travelers, which has an average six-month premium of $611.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1660 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gravelly drivers find the best deals.
Way's key takeaways about car insurance in Gravelly
The auto insurance costs in Gravelly fall around $467 for six
months.
The cheapest auto insurance company in Gravelly is USAA.
Teen drivers pay the highest rate in Gravelly at $991 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 Gravelly
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 Gravelly are given below.
USAA provides
the cheapest minimum car insurance
coverage in Gravelly. Their Average 6 Month Premium is $167.
Farmers is the most
expensive at $576 for the same
period.
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 Gravelly is AutoOwners Insurance Co
at $80 per month and $467
for six months.
Cheapest Full Coverage Car Insurance Quotes in Gravelly,
AR
Get Your Car Insurance Quote in Gravelly
Instantly!
Average Car Insurance in Gravelly 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 Gravelly, AR increasing?
Despite maintaining a clean driving record, your car insurance rates
in Gravelly, 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, Gravelly's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Gravelly
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Gravelly,AR
If you are planning to get a car insurance policy for your teenage
dependent, Hanover provides the cheapest car
insurance in the Gravelly at $25
per
month. At $5831 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Gravelly.
As young drivers face the highest rates in Gravelly, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Gravelly,
Southern Farm Bureau is
the cheapest car insurance provider. At $282 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
Gravelly is State Farm, offering
rates of around $3843 for six
months.
Save up to $971/yr on car insurance rates in Gravelly.
Car Insurance Rates with An Accident in Gravelly
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 Gravelly, AR,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Gravelly
The cheapest car insurance companies after an at-fault accident in
Gravelly include Hanover
and Travelers, offering $173
and $294,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2438.
Here is a list of driving violations that can increase your car
insurance rates in Gravelly AR. For example, the car
insurance in Gravelly
after a DUI increases to $651 for a six
month policy. While the rate increases by $277 for a six-month policy in the case of
a speeding ticket.
Gravelly auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1152
$192
One Med/PIP claim
$1170
$199
Not-at-fault accident
$1176
$196
One comp claim
$1176
$200
Two Med/PIP claims
$1193
$199
Two comp claims
$1221
$208
Failure to wear a seat belt
$1383
$231
Child safety restraint
$1394
$237
Driving without lights
$1394
$233
Failure to show documents
$1411
$240
Driving with expired registration
$1429
$239
Speeding 6 - 10 MPH over limit
$1429
$243
Driving too slowly
$1435
$240
Speeding 11 - 15 MPH over limit
$1435
$243
Speeding in school zone
$1435
$240
Speeding 16 - 20 MPH over limit
$1440
$245
Failure to stop at a red light
$1446
$241
Failure to yield
$1446
$246
Wrong way/wrong lane
$1452
$242
Cell phone violation
$1458
$248
In 65 MPH zone
$1458
$243
Texting while driving
$1458
$248
Following too closely
$1464
$243
Illegal turn
$1464
$249
Improper passing
$1464
$243
Speeding 21 - 25 MPH over limit
$1492
$254
At-fault accident - less than $1000
$1498
$249
Passing school bus
$1509
$257
Operating a vehicle without permission
$1556
$259
Open container
$1585
$270
At-fault accident - $1000-$2000
$1619
$270
At-fault accident - greater than $2000
$1625
$276
DUI
$1803
$301
Racing
$1803
$307
Refusal to submit to a chemical test
$1803
$301
Reckless driving
$1832
$311
Driving with a suspended license
$1884
$314
Leaving scene of an accident/hit and run
$1919
$326
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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 Gravelly 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 Gravelly.
The cheapest car insurance premiums in
Gravelly are
offered by Hanover at $184 for a six-month policy.
However, it can be as
expensive as $2454 with companies
like Nationwide.
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 Gravelly are offered by Hanover
at $161. However,
it can be as expensive as $1890
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Gravelly after Speeding ticket
Car insurance rates in Gravelly have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Gravelly remained steady at $192 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Gravelly remained steady at $45 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Gravelly by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Gravelly. At $1792 for a
six-month policy, insuring
your car at 72838 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Gravelly?
The car insurance in Gravelly is $28 per month, which is lower than the national average.
What is the cheapest car insurance in Gravelly?
The cheapest car insurance in Gravelly
is $80 per month
for full coverage.
How much is car insurance in Gravelly for teenagers?
Car insurance for teenagers costs $149 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
Gravelly?
The average cost of car insurance is $924 for a six-month
policy. It will cost around $150 per month to insure your
car in Gravelly.
Is car insurance expensive in Gravelly?
Car insurance can be expensive in Gravelly if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Gravelly can be
affordable.
What is the best car insurance in Gravelly,
AR?
The best car insurance company in Gravelly
AR is
AutoOwners Insurance Co, offering $467 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Gravelly, AR
Car Insurance Rates by State in the USA (2025 Update)
Gravelly Car Insurance
