Cheapest Car Insurance Quotes in Mount Vernon

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Mount Vernon Car Insurance

^$ 29

/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 Mount Vernon

The car insurance rate in Mount Vernon is $971 for a six-month policy, which is $20 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $471, making it a popular choice for budget-conscious drivers. Rates in Mount Vernon 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 Mount Vernon

$971

Avg. Car Insurance in Arkansas

$991

National Average

$1278

Cheapest Car Insurance Companies in Mount Vernon

1st place: AutoOwners Insurance Co

At $471 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 $617 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $634 for six months, making it the third cheapest auto insurance company in Mount Vernon.

Mount Vernon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Vernon, AR is AutoOwners Insurance Co, offering policies at just $471 for a six-month term. This is followed by Travelers, which has an average six-month premium of $617.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1717 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Vernon drivers find the best deals.

Cheap Car Insurance Companies in Mount Vernon, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$471	$80
Travelers	$617	$104
AAA	$634	$108
Southern Farm Bureau	$681	$115
USAA	$716	$121
Nationwide	$844	$142
State Farm	$856	$144
Shelter	$861	$145
Farmers	$1135	$191
Farm Bureau	$1141	$190
Auto-Owners	$1164	$196
Allstate	$1368	$230
Alfa	$1403	$238
Progressive	$1717	$289

Key Takeaways

Way's key takeaways about car insurance in Mount Vernon

The auto insurance costs in Mount Vernon fall around $471 for six months.
The cheapest auto insurance company in Mount Vernon is USAA.
Teen drivers pay the highest rate in Mount Vernon at $1133 per month.

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Cheapest Minimum Liability Car Insurance in Mount Vernon

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 Mount Vernon are given below.

USAA provides the cheapest minimum car insurance coverage in Mount Vernon. Their Average 6 Month Premium is $174. Farmers is the most expensive at $634 for the same period.

Cheapest Liability Coverage in Mount Vernon, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$174	$29
Auto-Owners Insurance Co	$186	$31
State Farm	$221	$37
Travelers	$227	$38
AAA	$233	$39
Southern Farm Bureau	$239	$40
Auto-Owners	$262	$44
Nationwide	$268	$45
Alfa	$279	$47
Shelter	$279	$47
Farm Bureau	$303	$52
Progressive	$309	$52
Allstate	$530	$89
Farmers	$634	$106

Cheapest Full Coverage Car Insurance in Mount Vernon

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 Mount Vernon is AutoOwners Insurance Co at $80 per month and $471 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Vernon, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$471	$80
Travelers	$617	$104
AAA	$634	$108
Southern Farm Bureau	$681	$115
USAA	$716	$121
Nationwide	$844	$142
State Farm	$856	$144
Shelter	$861	$145
Farmers	$1135	$191
Farm Bureau	$1141	$190
Auto-Owners	$1164	$196
Allstate	$1368	$230
Alfa	$1403	$238
Progressive	$1717	$289

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Average Car Insurance in Mount Vernon 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 Mount Vernon, AR increasing?

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

Car Insurance Premiums by Age in Mount Vernon

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 Mount Vernon,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Mount Vernon at $25 per month. At $6665 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$151	$25
Travelers	$250	$42
Auto-Owners Insurance Co	$273	$46
AAA	$291	$49
Southern Farm Bureau	$1024	$172
USAA	$1257	$212
Nationwide	$1380	$232
State Farm	$1694	$285
Farm Bureau	$2032	$345
Alfa	$2178	$363
Shelter	$2602	$438
Auto-Owners	$3714	$619
Progressive	$4913	$827
Allstate	$6142	$1034
Farmers	$6665	$1133

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 Mount Vernon, Nationwide is the cheapest car insurance provider. At $262 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 Mount Vernon is State Farm, offering rates of around $4826 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$262	$44
Southern Farm Bureau	$285	$48
Home State Ins Group	$291	$50
Travelers	$343	$57
Alfa	$821	$138
Shelter	$1106	$186
USAA	$1158	$197
Progressive	$1444	$243
Farmers	$1624	$273
Farm Bureau	$2020	$337
Allstate	$2847	$484
Auto-Owners	$4057	$676
State Farm	$4826	$820

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Car Insurance Rates with An Accident in Mount Vernon

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Vernon

The cheapest car insurance companies after an at-fault accident in Mount Vernon include Hanover and Travelers, offering $174 and $297, respectively. Allstate is an expensive provider with an average six-month premium of $2562.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$174	$29
Travelers	$297	$50
Auto-Owners Insurance Co	$303	$50
Home State Ins Group	$372	$64
State Farm	$588	$99
USAA	$594	$100
Southern Farm Bureau	$699	$118
Shelter	$873	$147
Farm Bureau	$897	$151
Nationwide	$984	$166
Auto-Owners	$1158	$195
Farmers	$1502	$253
Progressive	$1752	$295
Alfa	$2178	$370
Allstate	$2562	$431

Mount Vernon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Vernon AR. For example, the car insurance in Mount Vernon after a DUI increases to $658 for a six month policy. While the rate increases by $280 for a six-month policy in the case of a speeding ticket.

Mount Vernon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1164	$194
One Med/PIP claim	$1182	$201
Not-at-fault accident	$1188	$198
One comp claim	$1188	$202
Two Med/PIP claims	$1205	$201
Two comp claims	$1234	$210
Failure to wear a seat belt	$1397	$233
Child safety restraint	$1408	$239
Driving without lights	$1408	$235
Failure to show documents	$1426	$242
Driving with expired registration	$1444	$241
Speeding 6 - 10 MPH over limit	$1444	$245
Driving too slowly	$1449	$242
Speeding 11 - 15 MPH over limit	$1449	$246
Speeding in school zone	$1449	$242
Speeding 16 - 20 MPH over limit	$1455	$248
Failure to stop at a red light	$1461	$243
Failure to yield	$1461	$249
Wrong way/wrong lane	$1467	$244
Cell phone violation	$1473	$251
In 65 MPH zone	$1473	$245
Texting while driving	$1473	$251
Following too closely	$1479	$246
Illegal turn	$1479	$252
Improper passing	$1479	$246
Speeding 21 - 25 MPH over limit	$1507	$257
At-fault accident - less than $1000	$1513	$252
Passing school bus	$1525	$260
Operating a vehicle without permission	$1572	$262
Open container	$1601	$272
At-fault accident - $1000-$2000	$1636	$272
At-fault accident - greater than $2000	$1642	$279
DUI	$1822	$304
Racing	$1822	$310
Refusal to submit to a chemical test	$1822	$304
Reckless driving	$1851	$315
Driving with a suspended license	$1903	$318
Leaving scene of an accident/hit and run	$1938	$329

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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 Mount Vernon 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 Mount Vernon.

The cheapest car insurance premiums in Mount Vernon are offered by Hanover at $186 for a six-month policy. However, it can be as expensive as $2573 with companies like AutoOwners.

Mount Vernon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$186	$31
Home State Ins Group	$315	$52
Travelers	$326	$55
Southern Farm Bureau	$646	$109
Farm Bureau	$838	$141
USAA	$943	$159
State Farm	$1002	$169
Progressive	$1147	$193
Shelter	$1397	$235
Alfa	$2037	$340
Nationwide	$2136	$364
Allstate	$2235	$376
Farmers	$2544	$432
Auto-Owners	$2573	$429

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 Mount Vernon are offered by Hanover at $163. However, it can be as expensive as $2043 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Mount Vernon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$163	$27
Southern Farm Bureau	$174	$29
Auto-Owners Insurance Co	$216	$36
Nationwide	$239	$40
Travelers	$285	$48
Home State Ins Group	$303	$52
State Farm	$617	$104
USAA	$780	$132
Shelter	$1141	$190
Progressive	$1147	$193
Farm Bureau	$1228	$205
Auto-Owners	$1386	$235
Farmers	$1461	$246
Alfa	$1996	$339
Allstate	$2043	$340

Car Insurance Price Trends in Mount Vernon, Arkansas

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

The average cost of full coverage in the Mount Vernon rose by $209 in January compared to $194 of December. In other words, there has been an increase by $15 when you compare January and December.

The average cost of liability insurance in the Mount Vernon rose to $46 in January, compared to $45 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Mount Vernon?

The car insurance in Mount Vernon is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Vernon?

The cheapest car insurance in Mount Vernon is $80 per month for full coverage.

How much is car insurance in Mount Vernon for teenagers?

Car insurance for teenagers costs $151 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 Mount Vernon?

The average cost of car insurance is $991 for a six-month policy. It will cost around $164 per month to insure your car in Mount Vernon.

Is car insurance expensive in Mount Vernon?

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

Cheapest Car Insurance Quotes in Mount Vernon

Why you can trust Way?

How Much Is Car Insurance in Mount Vernon

Avg. Car Insurance in Mount Vernon

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Mount Vernon

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Mount Vernon Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Vernon, AR

Way's key takeaways about car insurance in Mount Vernon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Vernon

Cheapest Liability Coverage in Mount Vernon, AR

Cheapest Full Coverage Car Insurance in Mount Vernon

Cheapest Full Coverage Car Insurance Quotes in Mount Vernon, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Vernon by Rating Factor

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

Car Insurance Premiums by Age in Mount Vernon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mount Vernon,AR

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

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 Mount Vernon

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Vernon

Mount Vernon Car Insurance Rates by Violation

Mount Vernon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Vernon after a DUI

Mount Vernon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Vernon after Speeding ticket

Car Insurance Price Trends in Mount Vernon, Arkansas

Average Car Insurance Cost in Mount Vernon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Vernon, AR

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

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