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Finding the cheapest car insurance quotes in Pickens 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 Pickens
The car insurance rate in Pickens is $998 for a six-month policy, which is $74 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $519, making it a popular choice for budget-conscious drivers. Rates in Pickens 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 $519 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 $680 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: AAA
AAA offers auto insurance
rates at $699
for six months, making it
the third cheapest auto insurance company in Pickens.
Pickens Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Pickens, AR is AutoOwners Insurance Co, offering policies at just $519 for a six-month term. This is followed by Travelers, which has an average six-month premium of $680.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1848 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pickens drivers find the best deals.
Way's key takeaways about car insurance in Pickens
The auto insurance costs in Pickens fall around $519 for six
months.
The cheapest auto insurance company in Pickens is USAA.
Teen drivers pay the highest rate in Pickens at $1104 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 Pickens
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 Pickens are given below.
USAA provides
the cheapest minimum car insurance
coverage in Pickens. Their Average 6 Month Premium is $186.
Farmers is the most
expensive at $642 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 Pickens is AutoOwners Insurance Co
at $89 per month and $519
for six months.
Cheapest Full Coverage Car Insurance Quotes in Pickens,
AR
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Average Car Insurance in Pickens 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 Pickens, AR increasing?
Despite maintaining a clean driving record, your car insurance rates
in Pickens, 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, Pickens's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Pickens
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
Pickens,AR
If you are planning to get a car insurance policy for your teenage
dependent, Hanover provides the cheapest car
insurance in the Pickens at $28
per
month. At $6492 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 Pickens.
As young drivers face the highest rates in Pickens, 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 Pickens,
Southern Farm Bureau is
the cheapest car insurance provider. At $314 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
Pickens is State Farm, offering
rates of around $4279 for six
months.
Save up to $971/yr on car insurance rates in Pickens.
Car Insurance Rates with An Accident in Pickens
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 Pickens, AR,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Pickens
The cheapest car insurance companies after an at-fault accident in
Pickens include Hanover
and Travelers, offering $192
and $327,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2714.
Here is a list of driving violations that can increase your car
insurance rates in Pickens AR. For example, the car
insurance in Pickens
after a DUI increases to $725 for a six
month policy. While the rate increases by $308 for a six-month policy in the case of
a speeding ticket.
Pickens auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1283
$214
One Med/PIP claim
$1302
$221
Not-at-fault accident
$1309
$218
One comp claim
$1309
$222
Two Med/PIP claims
$1328
$221
Two comp claims
$1360
$231
Failure to wear a seat belt
$1540
$257
Child safety restraint
$1552
$264
Driving without lights
$1552
$259
Failure to show documents
$1571
$267
Driving with expired registration
$1591
$266
Speeding 6 - 10 MPH over limit
$1591
$270
Driving too slowly
$1597
$267
Speeding 11 - 15 MPH over limit
$1597
$271
Speeding in school zone
$1597
$267
Speeding 16 - 20 MPH over limit
$1604
$273
Failure to stop at a red light
$1610
$268
Failure to yield
$1610
$274
Wrong way/wrong lane
$1617
$269
Cell phone violation
$1623
$276
In 65 MPH zone
$1623
$270
Texting while driving
$1623
$276
Following too closely
$1630
$271
Illegal turn
$1630
$278
Improper passing
$1630
$271
Speeding 21 - 25 MPH over limit
$1661
$283
At-fault accident - less than $1000
$1668
$278
Passing school bus
$1680
$286
Operating a vehicle without permission
$1732
$288
Open container
$1765
$300
At-fault accident - $1000-$2000
$1803
$300
At-fault accident - greater than $2000
$1809
$308
DUI
$2008
$335
Racing
$2008
$341
Refusal to submit to a chemical test
$2008
$335
Reckless driving
$2040
$347
Driving with a suspended license
$2097
$350
Leaving scene of an accident/hit and run
$2136
$363
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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 Pickens 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 Pickens.
The cheapest car insurance premiums in
Pickens are
offered by Hanover at $205 for a six-month policy.
However, it can be as
expensive as $2732 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 Pickens are offered by Hanover
at $179. However,
it can be as expensive as $2104
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Pickens after Speeding ticket
Car insurance rates in Pickens have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Pickens remained steady at $214 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Pickens remained steady at $50 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
Pickens. At $1995 for a
six-month policy, insuring
your car at 71662 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 Pickens?
The car insurance in Pickens is $31 per month, which is lower than the national average.
What is the cheapest car insurance in Pickens?
The cheapest car insurance in Pickens
is $89 per month
for full coverage.
How much is car insurance in Pickens for teenagers?
Car insurance for teenagers costs $166 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
Pickens?
The average cost of car insurance is $924 for a six-month
policy. It will cost around $167 per month to insure your
car in Pickens.
Is car insurance expensive in Pickens?
Car insurance can be expensive in Pickens if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Pickens can be
affordable.
What is the best car insurance in Pickens,
AR?
The best car insurance company in Pickens
AR is
AutoOwners Insurance Co, offering $519 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Pickens, AR
Car Insurance Rates by State in the USA (2025 Update)
Pickens Car Insurance
