Cheapest Car Insurance Quotes in Helena-West Helena

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Helena-West Helena Car Insurance

^$ 34

/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 Helena-West Helena

The car insurance rate in Helena-West Helena is $1072 for a six-month policy, which is $148 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $558, making it a popular choice for budget-conscious drivers. Rates in Helena-West Helena 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 Helena-West Helena

$1072

Avg. Car Insurance in Arkansas

$924

National Average

$1140

Cheapest Car Insurance Companies in Helena-West Helena

1st place: AutoOwners Insurance Co

At $558 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 $731 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $751 for six months, making it the third cheapest auto insurance company in Helena-West Helena.

Helena-West Helena Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Helena-West Helena, AR is AutoOwners Insurance Co, offering policies at just $558 for a six-month term. This is followed by Travelers, which has an average six-month premium of $731.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1985 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Helena-West Helena drivers find the best deals.

Cheap Car Insurance Companies in Helena-West Helena, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$558	$95
Travelers	$731	$123
AAA	$751	$128
Southern Farm Bureau	$806	$136
USAA	$820	$138
State Farm	$923	$155
Farm Bureau	$944	$160
Shelter	$1013	$171
Nationwide	$1075	$181
Auto-Owners	$1109	$184
Farmers	$1254	$211
Alfa	$1467	$245
Allstate	$1571	$264
Progressive	$1985	$334

Key Takeaways

Way's key takeaways about car insurance in Helena-West Helena

The auto insurance costs in Helena-West Helena fall around $558 for six months.
The cheapest auto insurance company in Helena-West Helena is USAA.
Teen drivers pay the highest rate in Helena-West Helena at $1186 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Helena-West Helena

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 Helena-West Helena are given below.

USAA provides the cheapest minimum car insurance coverage in Helena-West Helena. Their Average 6 Month Premium is $200. Farmers is the most expensive at $689 for the same period.

Cheapest Liability Coverage in Helena-West Helena, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$200	$34
Auto-Owners Insurance Co	$220	$37
State Farm	$248	$42
Auto-Owners	$262	$44
Travelers	$269	$45
AAA	$276	$46
Southern Farm Bureau	$283	$48
Farm Bureau	$289	$49
Alfa	$303	$51
Shelter	$331	$56
Nationwide	$345	$58
Progressive	$365	$61
Allstate	$633	$107
Farmers	$689	$115

Cheapest Full Coverage Car Insurance in Helena-West Helena

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 Helena-West Helena is AutoOwners Insurance Co at $95 per month and $558 for six months.

Cheapest Full Coverage Car Insurance Quotes in Helena-West Helena, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$558	$95
Travelers	$731	$123
AAA	$751	$128
Southern Farm Bureau	$806	$136
USAA	$820	$138
State Farm	$923	$155
Farm Bureau	$944	$160
Shelter	$1013	$171
Nationwide	$1075	$181
Auto-Owners	$1109	$184
Farmers	$1254	$211
Alfa	$1467	$245
Allstate	$1571	$264
Progressive	$1985	$334

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Average Car Insurance in Helena-West Helena 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 Helena-West Helena, AR increasing?

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

Car Insurance Premiums by Age in Helena-West Helena

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 Helena-West Helena,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Helena-West Helena at $30 per month. At $6973 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$179	$30
Travelers	$296	$50
Auto-Owners Insurance Co	$324	$55
AAA	$345	$59
Southern Farm Bureau	$1212	$204
USAA	$1399	$235
Farm Bureau	$1840	$306
State Farm	$1875	$316
Alfa	$2288	$382
Nationwide	$2343	$394
Shelter	$3045	$513
Progressive	$5691	$958
Allstate	$6973	$1174
Farmers	$6973	$1186

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 Helena-West Helena, Southern Farm Bureau is the cheapest car insurance provider. At $338 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 Helena-West Helena is State Farm, offering rates of around $4596 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Southern Farm Bureau	$338	$57
Home State Ins Group	$345	$59
Travelers	$406	$67
Alfa	$875	$147
USAA	$1172	$195
Shelter	$1282	$216
Nationwide	$1296	$218
Progressive	$1654	$278
Farm Bureau	$1709	$285
Farmers	$1723	$290
Allstate	$3149	$524
State Farm	$4596	$782

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Car Insurance Rates with An Accident in Helena-West Helena

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 Helena-West Helena, AR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Helena-West Helena

The cheapest car insurance companies after an at-fault accident in Helena-West Helena include Hanover and Travelers, offering $206 and $351, respectively. Allstate is an expensive provider with an average six-month premium of $2915.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$206	$35
Travelers	$351	$59
Auto-Owners Insurance Co	$358	$59
Auto-Owners	$420	$72
Home State Ins Group	$441	$73
USAA	$661	$111
State Farm	$682	$115
Farm Bureau	$813	$137
Southern Farm Bureau	$827	$139
Shelter	$1027	$173
Farmers	$1592	$268
Nationwide	$1612	$271
Progressive	$1999	$336
Alfa	$2240	$380
Allstate	$2915	$491

Helena-West Helena Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Helena-West Helena AR. For example, the car insurance in Helena-West Helena after a DUI increases to $778 for a six month policy. While the rate increases by $331 for a six-month policy in the case of a speeding ticket.

Helena-West Helena auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1378	$230
One Med/PIP claim	$1399	$238
Not-at-fault accident	$1406	$234
One comp claim	$1406	$239
Two Med/PIP claims	$1427	$238
Two comp claims	$1460	$248
Failure to wear a seat belt	$1654	$276
Child safety restraint	$1667	$283
Driving without lights	$1667	$278
Failure to show documents	$1688	$287
Driving with expired registration	$1709	$285
Speeding 6 - 10 MPH over limit	$1709	$290
Driving too slowly	$1716	$287
Speeding 11 - 15 MPH over limit	$1716	$291
Speeding in school zone	$1716	$287
Speeding 16 - 20 MPH over limit	$1723	$293
Failure to stop at a red light	$1730	$288
Failure to yield	$1730	$295
Wrong way/wrong lane	$1737	$289
Cell phone violation	$1743	$297
In 65 MPH zone	$1743	$290
Texting while driving	$1743	$297
Following too closely	$1750	$291
Illegal turn	$1750	$298
Improper passing	$1750	$291
Speeding 21 - 25 MPH over limit	$1784	$304
At-fault accident - less than $1000	$1791	$298
Passing school bus	$1805	$307
Operating a vehicle without permission	$1861	$310
Open container	$1895	$322
At-fault accident - $1000-$2000	$1936	$322
At-fault accident - greater than $2000	$1943	$331
DUI	$2156	$360
Racing	$2156	$367
Refusal to submit to a chemical test	$2156	$360
Reckless driving	$2191	$372
Driving with a suspended license	$2253	$376
Leaving scene of an accident/hit and run	$2294	$390

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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 Helena-West Helena 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 Helena-West Helena.

The cheapest car insurance premiums in Helena-West Helena are offered by Hanover at $220 for a six-month policy. However, it can be as expensive as $2935 with companies like Nationwide.

Helena-West Helena car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$220	$37
Home State Ins Group	$372	$61
Travelers	$386	$65
State Farm	$724	$122
Farm Bureau	$751	$126
Southern Farm Bureau	$764	$129
USAA	$1047	$176
Progressive	$1310	$220
Shelter	$1640	$276
Alfa	$2170	$362
Allstate	$2557	$430
Farmers	$2646	$441
Nationwide	$2935	$494

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 Helena-West Helena are offered by Hanover at $193. However, it can be as expensive as $2260 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Helena-West Helena after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$193	$32
Southern Farm Bureau	$206	$35
Auto-Owners Insurance Co	$255	$43
Travelers	$338	$57
Home State Ins Group	$358	$59
State Farm	$647	$109
USAA	$785	$131
Farm Bureau	$1027	$174
Nationwide	$1172	$197
Progressive	$1268	$213
Shelter	$1329	$222
Farmers	$1544	$260
Alfa	$2116	$353
Allstate	$2260	$384

Car Insurance Price Trends in Helena-West Helena, Arkansas

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

The average cost of full coverage in the Helena-West Helena remained steady at $230 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Helena-West Helena remained steady at $53 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 Helena-West Helena?

The car insurance in Helena-West Helena is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Helena-West Helena?

The cheapest car insurance in Helena-West Helena is $95 per month for full coverage.

How much is car insurance in Helena-West Helena for teenagers?

Car insurance for teenagers costs $179 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 Helena-West Helena?

The average cost of car insurance is $924 for a six-month policy. It will cost around $180 per month to insure your car in Helena-West Helena.

Is car insurance expensive in Helena-West Helena?

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

Cheapest Car Insurance Quotes in Helena-West Helena

Why you can trust Way?

How Much Is Car Insurance in Helena-West Helena

Avg. Car Insurance in Helena-West Helena

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Helena-West Helena

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Helena-West Helena Car Insurance Rates by Company

Cheap Car Insurance Companies in Helena-West Helena, AR

Way's key takeaways about car insurance in Helena-West Helena

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Helena-West Helena

Cheapest Liability Coverage in Helena-West Helena, AR

Cheapest Full Coverage Car Insurance in Helena-West Helena

Cheapest Full Coverage Car Insurance Quotes in Helena-West Helena, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Helena-West Helena by Rating Factor

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

Car Insurance Premiums by Age in Helena-West Helena

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Helena-West Helena,AR

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

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 Helena-West Helena

Cheapest Car Insurance Companies after an At-Fault Accident in Helena-West Helena

Helena-West Helena Car Insurance Rates by Violation

Helena-West Helena auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Helena-West Helena after a DUI

Helena-West Helena car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Helena-West Helena after Speeding ticket

Car Insurance Price Trends in Helena-West Helena, Arkansas

Average Car Insurance Cost in Helena-West Helena by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Helena-West Helena, AR

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

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