Cheapest Car Insurance Quotes in Prairie Grove

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Prairie Grove Car Insurance

^$ 27

/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 Prairie Grove

The car insurance rate in Prairie Grove is $850 for a six-month policy, which is $74 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $443, making it a popular choice for budget-conscious drivers. Rates in Prairie Grove 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 Prairie Grove

$850

Avg. Car Insurance in Arkansas

$924

National Average

$1140

Cheapest Car Insurance Companies in Prairie Grove

1st place: AutoOwners Insurance Co

At $443 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 $580 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $595 for six months, making it the third cheapest auto insurance company in Prairie Grove.

Prairie Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Prairie Grove, AR is AutoOwners Insurance Co, offering policies at just $443 for a six-month term. This is followed by Travelers, which has an average six-month premium of $580.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1574 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Prairie Grove drivers find the best deals.

Cheap Car Insurance Companies in Prairie Grove, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$443	$75
Travelers	$580	$98
AAA	$595	$101
Southern Farm Bureau	$639	$108
USAA	$650	$109
State Farm	$732	$123
Farm Bureau	$749	$127
Shelter	$803	$135
Nationwide	$853	$144
Auto-Owners	$880	$146
Farmers	$995	$167
Alfa	$1164	$194
Allstate	$1246	$210
Progressive	$1574	$265

Key Takeaways

Way's key takeaways about car insurance in Prairie Grove

The auto insurance costs in Prairie Grove fall around $443 for six months.
The cheapest auto insurance company in Prairie Grove is USAA.
Teen drivers pay the highest rate in Prairie Grove at $940 per month.

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Cheapest Minimum Liability Car Insurance in Prairie Grove

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 Prairie Grove are given below.

USAA provides the cheapest minimum car insurance coverage in Prairie Grove. Their Average 6 Month Premium is $158. Farmers is the most expensive at $546 for the same period.

Cheapest Liability Coverage in Prairie Grove, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$158	$27
Auto-Owners Insurance Co	$175	$29
State Farm	$197	$33
Auto-Owners	$208	$35
Travelers	$213	$36
AAA	$219	$37
Southern Farm Bureau	$224	$38
Farm Bureau	$229	$39
Alfa	$240	$40
Shelter	$262	$44
Nationwide	$273	$46
Progressive	$290	$49
Allstate	$502	$85
Farmers	$546	$91

Cheapest Full Coverage Car Insurance in Prairie Grove

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 Prairie Grove is AutoOwners Insurance Co at $75 per month and $443 for six months.

Cheapest Full Coverage Car Insurance Quotes in Prairie Grove, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$443	$75
Travelers	$580	$98
AAA	$595	$101
Southern Farm Bureau	$639	$108
USAA	$650	$109
State Farm	$732	$123
Farm Bureau	$749	$127
Shelter	$803	$135
Nationwide	$853	$144
Auto-Owners	$880	$146
Farmers	$995	$167
Alfa	$1164	$194
Allstate	$1246	$210
Progressive	$1574	$265

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Average Car Insurance in Prairie Grove 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 Prairie Grove, AR increasing?

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

Car Insurance Premiums by Age in Prairie Grove

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 Prairie Grove,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Prairie Grove at $24 per month. At $5530 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$142	$24
Travelers	$235	$40
Auto-Owners Insurance Co	$257	$43
AAA	$273	$47
Southern Farm Bureau	$961	$162
USAA	$1110	$187
Farm Bureau	$1459	$243
State Farm	$1487	$250
Alfa	$1814	$303
Nationwide	$1858	$313
Shelter	$2415	$407
Progressive	$4514	$760
Allstate	$5530	$931
Farmers	$5530	$940

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 Prairie Grove, Southern Farm Bureau is the cheapest car insurance provider. At $268 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 Prairie Grove is State Farm, offering rates of around $3645 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Southern Farm Bureau	$268	$45
Home State Ins Group	$273	$47
Travelers	$322	$53
Alfa	$694	$117
USAA	$929	$155
Shelter	$1017	$171
Nationwide	$1028	$173
Progressive	$1312	$221
Farm Bureau	$1355	$226
Farmers	$1366	$230
Allstate	$2498	$416
State Farm	$3645	$620

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Car Insurance Rates with An Accident in Prairie Grove

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

Cheapest Car Insurance Companies after an At-Fault Accident in Prairie Grove

The cheapest car insurance companies after an at-fault accident in Prairie Grove include Hanover and Travelers, offering $164 and $279, respectively. Allstate is an expensive provider with an average six-month premium of $2312.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$164	$28
Travelers	$279	$47
Auto-Owners Insurance Co	$284	$47
Auto-Owners	$333	$57
Home State Ins Group	$350	$58
USAA	$524	$88
State Farm	$541	$91
Farm Bureau	$645	$109
Southern Farm Bureau	$656	$110
Shelter	$814	$137
Farmers	$1262	$213
Nationwide	$1279	$215
Progressive	$1585	$267
Alfa	$1777	$302
Allstate	$2312	$389

Prairie Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Prairie Grove AR. For example, the car insurance in Prairie Grove after a DUI increases to $617 for a six month policy. While the rate increases by $262 for a six-month policy in the case of a speeding ticket.

Prairie Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1093	$182
One Med/PIP claim	$1110	$189
Not-at-fault accident	$1115	$186
One comp claim	$1115	$190
Two Med/PIP claims	$1132	$189
Two comp claims	$1158	$197
Failure to wear a seat belt	$1312	$219
Child safety restraint	$1322	$224
Driving without lights	$1322	$221
Failure to show documents	$1339	$227
Driving with expired registration	$1355	$226
Speeding 6 - 10 MPH over limit	$1355	$230
Driving too slowly	$1361	$227
Speeding 11 - 15 MPH over limit	$1361	$231
Speeding in school zone	$1361	$227
Speeding 16 - 20 MPH over limit	$1366	$233
Failure to stop at a red light	$1372	$228
Failure to yield	$1372	$234
Wrong way/wrong lane	$1377	$229
Cell phone violation	$1383	$236
In 65 MPH zone	$1383	$230
Texting while driving	$1383	$236
Following too closely	$1388	$231
Illegal turn	$1388	$236
Improper passing	$1388	$231
Speeding 21 - 25 MPH over limit	$1415	$241
At-fault accident - less than $1000	$1420	$236
Passing school bus	$1432	$244
Operating a vehicle without permission	$1476	$246
Open container	$1503	$256
At-fault accident - $1000-$2000	$1535	$256
At-fault accident - greater than $2000	$1541	$262
DUI	$1710	$285
Racing	$1710	$291
Refusal to submit to a chemical test	$1710	$285
Reckless driving	$1738	$295
Driving with a suspended license	$1787	$298
Leaving scene of an accident/hit and run	$1820	$309

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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 Prairie Grove 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 Prairie Grove.

The cheapest car insurance premiums in Prairie Grove are offered by Hanover at $175 for a six-month policy. However, it can be as expensive as $2328 with companies like Nationwide.

Prairie Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$175	$29
Home State Ins Group	$295	$49
Travelers	$306	$52
State Farm	$574	$97
Farm Bureau	$595	$100
Southern Farm Bureau	$606	$102
USAA	$831	$140
Progressive	$1039	$175
Shelter	$1301	$219
Alfa	$1721	$287
Allstate	$2028	$341
Farmers	$2099	$350
Nationwide	$2328	$392

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 Prairie Grove are offered by Hanover at $153. However, it can be as expensive as $1792 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Prairie Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$153	$26
Southern Farm Bureau	$164	$28
Auto-Owners Insurance Co	$202	$34
Travelers	$268	$45
Home State Ins Group	$284	$47
State Farm	$513	$86
USAA	$623	$104
Farm Bureau	$814	$138
Nationwide	$929	$156
Progressive	$1006	$169
Shelter	$1054	$176
Farmers	$1225	$206
Alfa	$1678	$280
Allstate	$1792	$305

Car Insurance Price Trends in Prairie Grove, Arkansas

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

The average cost of full coverage in the Prairie Grove remained steady at $182 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Prairie Grove remained steady at $42 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 Prairie Grove?

The car insurance in Prairie Grove is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Prairie Grove?

The cheapest car insurance in Prairie Grove is $75 per month for full coverage.

How much is car insurance in Prairie Grove for teenagers?

Car insurance for teenagers costs $142 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 Prairie Grove?

The average cost of car insurance is $924 for a six-month policy. It will cost around $143 per month to insure your car in Prairie Grove.

Is car insurance expensive in Prairie Grove?

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

Cheapest Car Insurance Quotes in Prairie Grove

Why you can trust Way?

How Much Is Car Insurance in Prairie Grove

Avg. Car Insurance in Prairie Grove

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Prairie Grove

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Prairie Grove Car Insurance Rates by Company

Cheap Car Insurance Companies in Prairie Grove, AR

Way's key takeaways about car insurance in Prairie Grove

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Prairie Grove

Cheapest Liability Coverage in Prairie Grove, AR

Cheapest Full Coverage Car Insurance in Prairie Grove

Cheapest Full Coverage Car Insurance Quotes in Prairie Grove, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Prairie Grove by Rating Factor

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

Car Insurance Premiums by Age in Prairie Grove

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Prairie Grove,AR

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

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 Prairie Grove

Cheapest Car Insurance Companies after an At-Fault Accident in Prairie Grove

Prairie Grove Car Insurance Rates by Violation

Prairie Grove auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Prairie Grove after a DUI

Prairie Grove car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Prairie Grove after Speeding ticket

Car Insurance Price Trends in Prairie Grove, Arkansas

Average Car Insurance Cost in Prairie Grove by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Prairie Grove, AR

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

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