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Cheapest Car Insurance Quotes in Pocahontas

  • Finding the cheapest car insurance quotes in Pocahontas 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.
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399,755 Policies Sold
Pocahontas Car Insurance
$ 28

/mo

Sara Sam
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.

How Much Is Car Insurance in Pocahontas

The car insurance rate in Pocahontas is $887 for a six-month policy, which is $37 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $462, making it a popular choice for budget-conscious drivers. Rates in Pocahontas 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 Pocahontas

$887

National Average

$1140

Cheapest Car Insurance Companies in Pocahontas

1st place: AutoOwners Insurance Co

At $462 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 $605 for a six-month policy, making it one of the cheapest to insure with. 

3rd place: AAA

AAA offers auto insurance rates at $621 for six months, making it the third cheapest auto insurance company in Pocahontas.

Pocahontas Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pocahontas, AR is AutoOwners Insurance Co, offering policies at just $462 for a six-month term. This is followed by Travelers, which has an average six-month premium of $605.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1643 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pocahontas drivers find the best deals.

Cheap Car Insurance Companies in Pocahontas, AR

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Auto-Owners Insurance Co $462 $79
Travelers $605 $102
AAA $621 $106
Southern Farm Bureau $667 $112
USAA $679 $114
State Farm $764 $129
Farm Bureau $781 $132
Shelter $838 $141
Nationwide $890 $150
Auto-Owners $918 $153
Farmers $1038 $175
Alfa $1214 $203
Allstate $1300 $219
Progressive $1643 $276
Key Takeaways

Way's key takeaways about car insurance in Pocahontas

  • The auto insurance costs in Pocahontas fall around $462 for six months. 
  • The cheapest auto insurance company in Pocahontas is USAA.
  • Teen drivers pay the highest rate in Pocahontas at $981 per month.

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Cheapest Minimum Liability Car Insurance in Pocahontas

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 Pocahontas are given below. 

USAA provides the cheapest minimum car insurance coverage in Pocahontas. Their Average 6 Month Premium is $165. Farmers is the most expensive at $570 for the same period. 

Cheapest Liability Coverage in Pocahontas, AR

Company Avg. 6 Mo. Premium Avg. Monthly Premium
USAA $165 $28
Auto-Owners Insurance Co $182 $31
State Farm $205 $35
Auto-Owners $217 $36
Travelers $223 $37
AAA $228 $38
Southern Farm Bureau $234 $39
Farm Bureau $239 $40
Alfa $251 $42
Shelter $274 $46
Nationwide $285 $48
Progressive $302 $51
Allstate $524 $88
Farmers $570 $95

Cheapest Full Coverage Car Insurance in Pocahontas

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 Pocahontas is AutoOwners Insurance Co at $79 per month and $462 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Pocahontas, AR

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Auto-Owners Insurance Co $462 $79
Travelers $605 $102
AAA $621 $106
Southern Farm Bureau $667 $112
USAA $679 $114
State Farm $764 $129
Farm Bureau $781 $132
Shelter $838 $141
Nationwide $890 $150
Auto-Owners $918 $153
Farmers $1038 $175
Alfa $1214 $203
Allstate $1300 $219
Progressive $1643 $276

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Average Car Insurance in Pocahontas 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 Pocahontas, AR increasing?

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

Cheapest Car Insurance Rates for Teen Drivers in Pocahontas,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Pocahontas at $25 per month. At $5771 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Hanover $148 $25
Travelers $245 $41
Auto-Owners Insurance Co $268 $45
AAA $285 $49
Southern Farm Bureau $1003 $169
USAA $1158 $195
Farm Bureau $1523 $253
State Farm $1551 $261
Alfa $1893 $316
Nationwide $1939 $326
Shelter $2520 $424
Progressive $4710 $793
Allstate $5771 $972
Farmers $5771 $981

Teen Car Insurance Rates in AR by Age

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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 Pocahontas, Southern Farm Bureau is the cheapest car insurance provider. At $279 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 Pocahontas is State Farm, offering rates of around $3804 for six months. 

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Southern Farm Bureau $279 $47
Home State Ins Group $285 $49
Travelers $336 $56
Alfa $724 $122
USAA $970 $161
Shelter $1061 $179
Nationwide $1072 $180
Progressive $1369 $230
Farm Bureau $1414 $236
Farmers $1426 $240
Allstate $2606 $434
State Farm $3804 $647

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Car Insurance Rates with An Accident in Pocahontas

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pocahontas

The cheapest car insurance companies after an at-fault accident in Pocahontas include Hanover and Travelers, offering $171 and $291, respectively. Allstate is an expensive provider with an average six-month premium of $2412.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Hanover $171 $29
Travelers $291 $49
Auto-Owners Insurance Co $297 $49
Auto-Owners $348 $60
Home State Ins Group $365 $60
USAA $547 $92
State Farm $564 $95
Farm Bureau $673 $113
Southern Farm Bureau $684 $115
Shelter $850 $143
Farmers $1317 $222
Nationwide $1334 $225
Progressive $1654 $278
Alfa $1854 $315
Allstate $2412 $406

Pocahontas Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pocahontas AR. For example, the car insurance in Pocahontas after a DUI increases to $645 for a six month policy. While the rate increases by $274 for a six-month policy in the case of a speeding ticket.  

Pocahontas auto insurance quotes by violations

Accident/Violation Avg. 6 Mo Premium Avg. Monthly Premium
None $1140 $190
One Med/PIP claim $1158 $197
Not-at-fault accident $1164 $194
One comp claim $1164 $198
Two Med/PIP claims $1181 $197
Two comp claims $1209 $205
Failure to wear a seat belt $1369 $228
Child safety restraint $1380 $234
Driving without lights $1380 $230
Failure to show documents $1397 $237
Driving with expired registration $1414 $236
Speeding 6 - 10 MPH over limit $1414 $240
Driving too slowly $1420 $237
Speeding 11 - 15 MPH over limit $1420 $241
Speeding in school zone $1420 $237
Speeding 16 - 20 MPH over limit $1426 $243
Failure to stop at a red light $1431 $238
Failure to yield $1431 $244
Wrong way/wrong lane $1437 $239
Cell phone violation $1443 $246
In 65 MPH zone $1443 $240
Texting while driving $1443 $246
Following too closely $1449 $241
Illegal turn $1449 $247
Improper passing $1449 $241
Speeding 21 - 25 MPH over limit $1476 $252
At-fault accident - less than $1000 $1482 $247
Passing school bus $1494 $254
Operating a vehicle without permission $1540 $256
Open container $1569 $267
At-fault accident - $1000-$2000 $1602 $267
At-fault accident - greater than $2000 $1608 $274
DUI $1785 $298
Racing $1785 $303
Refusal to submit to a chemical test $1785 $298
Reckless driving $1813 $308
Driving with a suspended license $1864 $311
Leaving scene of an accident/hit and run $1899 $323

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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 Pocahontas 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 Pocahontas.

The cheapest car insurance premiums in Pocahontas are offered by Hanover at $182 for a six-month policy. However, it can be as expensive as $2429 with companies like Nationwide.

Pocahontas car insurance quotes with a DUI

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Hanover $182 $31
Home State Ins Group $308 $51
Travelers $320 $54
State Farm $599 $101
Farm Bureau $621 $105
Southern Farm Bureau $633 $107
USAA $867 $146
Progressive $1084 $182
Shelter $1357 $228
Alfa $1796 $300
Allstate $2116 $356
Farmers $2190 $365
Nationwide $2429 $409

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 Pocahontas are offered by Hanover at $159. However, it can be as expensive as $1870 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Pocahontas after Speeding ticket

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Hanover $159 $27
Southern Farm Bureau $171 $29
Auto-Owners Insurance Co $211 $36
Travelers $279 $47
Home State Ins Group $297 $49
State Farm $536 $90
USAA $650 $108
Farm Bureau $850 $144
Nationwide $970 $163
Progressive $1049 $177
Shelter $1100 $183
Farmers $1278 $215
Alfa $1751 $292
Allstate $1870 $318

Car Insurance Price Trends in Pocahontas, Arkansas

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

The average cost of full coverage in the Pocahontas remained steady at $190 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Pocahontas remained steady at $44 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 Pocahontas?

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The car insurance in Pocahontas is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Pocahontas?

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The cheapest car insurance in Pocahontas is $79 per month for full coverage.

How much is car insurance in Pocahontas for teenagers?

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Car insurance for teenagers costs $148 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 Pocahontas?

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The average cost of car insurance is $924 for a six-month policy. It will cost around $149 per month to insure your car in Pocahontas.

Is car insurance expensive in Pocahontas?

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

What is the best car insurance in Pocahontas, AR?

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The best car insurance company in Pocahontas AR is AutoOwners Insurance Co, offering $462 for a six-month policy.

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