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Finding the cheapest car insurance quotes in Hiwasse 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 Hiwasse
The car insurance rate in Hiwasse is $822 for a six-month policy, which is $102 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $428, making it a popular choice for budget-conscious drivers. Rates in Hiwasse 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 $428 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 $561 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: AAA
AAA offers auto insurance
rates at $576
for six months, making it
the third cheapest auto insurance company in Hiwasse.
Hiwasse Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Hiwasse, AR is AutoOwners Insurance Co, offering policies at just $428 for a six-month term. This is followed by Travelers, which has an average six-month premium of $561.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1523 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hiwasse drivers find the best deals.
Way's key takeaways about car insurance in Hiwasse
The auto insurance costs in Hiwasse fall around $428 for six
months.
The cheapest auto insurance company in Hiwasse is USAA.
Teen drivers pay the highest rate in Hiwasse at $910 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 Hiwasse
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 Hiwasse are given below.
USAA provides
the cheapest minimum car insurance
coverage in Hiwasse. Their Average 6 Month Premium is $153.
Farmers is the most
expensive at $529 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 Hiwasse is AutoOwners Insurance Co
at $73 per month and $428
for six months.
Cheapest Full Coverage Car Insurance Quotes in Hiwasse,
AR
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Instantly!
Average Car Insurance in Hiwasse 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 Hiwasse, AR increasing?
Despite maintaining a clean driving record, your car insurance rates
in Hiwasse, 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, Hiwasse's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Hiwasse
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
Hiwasse,AR
If you are planning to get a car insurance policy for your teenage
dependent, Hanover provides the cheapest car
insurance in the Hiwasse at $23
per
month. At $5350 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 Hiwasse.
As young drivers face the highest rates in Hiwasse, 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 Hiwasse,
Southern Farm Bureau is
the cheapest car insurance provider. At $259 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
Hiwasse is State Farm, offering
rates of around $3526 for six
months.
Save up to $971/yr on car insurance rates in Hiwasse.
Car Insurance Rates with An Accident in Hiwasse
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 Hiwasse, AR,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Hiwasse
The cheapest car insurance companies after an at-fault accident in
Hiwasse include Hanover
and Travelers, offering $158
and $270,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2237.
Here is a list of driving violations that can increase your car
insurance rates in Hiwasse AR. For example, the car
insurance in Hiwasse
after a DUI increases to $598 for a six
month policy. While the rate increases by $254 for a six-month policy in the case of
a speeding ticket.
Hiwasse auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1057
$176
One Med/PIP claim
$1073
$182
Not-at-fault accident
$1079
$180
One comp claim
$1079
$183
Two Med/PIP claims
$1095
$182
Two comp claims
$1121
$190
Failure to wear a seat belt
$1269
$212
Child safety restraint
$1279
$217
Driving without lights
$1279
$214
Failure to show documents
$1295
$220
Driving with expired registration
$1311
$219
Speeding 6 - 10 MPH over limit
$1311
$223
Driving too slowly
$1316
$220
Speeding 11 - 15 MPH over limit
$1316
$223
Speeding in school zone
$1316
$220
Speeding 16 - 20 MPH over limit
$1322
$225
Failure to stop at a red light
$1327
$221
Failure to yield
$1327
$226
Wrong way/wrong lane
$1332
$222
Cell phone violation
$1338
$228
In 65 MPH zone
$1338
$223
Texting while driving
$1338
$228
Following too closely
$1343
$223
Illegal turn
$1343
$229
Improper passing
$1343
$223
Speeding 21 - 25 MPH over limit
$1369
$233
At-fault accident - less than $1000
$1374
$229
Passing school bus
$1385
$236
Operating a vehicle without permission
$1428
$238
Open container
$1454
$247
At-fault accident - $1000-$2000
$1485
$247
At-fault accident - greater than $2000
$1491
$254
DUI
$1655
$276
Racing
$1655
$281
Refusal to submit to a chemical test
$1655
$276
Reckless driving
$1681
$286
Driving with a suspended license
$1728
$288
Leaving scene of an accident/hit and run
$1760
$299
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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 Hiwasse 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 Hiwasse.
The cheapest car insurance premiums in
Hiwasse are
offered by Hanover at $169 for a six-month policy.
However, it can be as
expensive as $2252 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 Hiwasse are offered by Hanover
at $148. However,
it can be as expensive as $1734
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Hiwasse after Speeding ticket
Car insurance rates in Hiwasse have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Hiwasse remained steady at $176 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Hiwasse remained steady at $41 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Hiwasse. At $1644 for a
six-month policy, insuring
your car at 72739 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 Hiwasse?
The car insurance in Hiwasse is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Hiwasse?
The cheapest car insurance in Hiwasse
is $73 per month
for full coverage.
How much is car insurance in Hiwasse for teenagers?
Car insurance for teenagers costs $137 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
Hiwasse?
The average cost of car insurance is $924 for a six-month
policy. It will cost around $138 per month to insure your
car in Hiwasse.
Is car insurance expensive in Hiwasse?
Car insurance can be expensive in Hiwasse if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Hiwasse can be
affordable.
What is the best car insurance in Hiwasse,
AR?
The best car insurance company in Hiwasse
AR is
AutoOwners Insurance Co, offering $428 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Hiwasse, AR
Car Insurance Rates by State in the USA (2025 Update)
Hiwasse Car Insurance
