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Finding the cheapest car insurance quotes in Proctor 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 Proctor
The car insurance rate in Proctor is $1050 for a six-month policy, which is $59 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $510, making it a popular choice for budget-conscious drivers. Rates in Proctor 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 $510 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 $668 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: AAA
AAA offers auto insurance
rates at $686
for six months, making it
the third cheapest auto insurance company in Proctor.
Proctor Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Proctor, AR is AutoOwners Insurance Co, offering policies at just $510 for a six-month term. This is followed by Travelers, which has an average six-month premium of $668.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1857 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Proctor drivers find the best deals.
Way's key takeaways about car insurance in Proctor
The auto insurance costs in Proctor fall around $510 for six
months.
The cheapest auto insurance company in Proctor is USAA.
Teen drivers pay the highest rate in Proctor at $1225 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 Proctor
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 Proctor are given below.
USAA provides
the cheapest minimum car insurance
coverage in Proctor. Their Average 6 Month Premium is $189.
Farmers is the most
expensive at $686 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 Proctor is AutoOwners Insurance Co
at $87 per month and $510
for six months.
Cheapest Full Coverage Car Insurance Quotes in Proctor,
AR
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Instantly!
Average Car Insurance in Proctor 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 Proctor, AR increasing?
Despite maintaining a clean driving record, your car insurance rates
in Proctor, 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, Proctor's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Proctor
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
Proctor,AR
If you are planning to get a car insurance policy for your teenage
dependent, Hanover provides the cheapest car
insurance in the Proctor at $28
per
month. At $7209 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 Proctor.
As young drivers face the highest rates in Proctor, 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 Proctor,
Nationwide is
the cheapest car insurance provider. At $283 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
Proctor is State Farm, offering
rates of around $5219 for six
months.
Save up to $971/yr on car insurance rates in Proctor.
Car Insurance Rates with An Accident in Proctor
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 Proctor, AR,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Proctor
The cheapest car insurance companies after an at-fault accident in
Proctor include Hanover
and Travelers, offering $189
and $321,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2771.
Here is a list of driving violations that can increase your car
insurance rates in Proctor AR. For example, the car
insurance in Proctor
after a DUI increases to $712 for a six
month policy. While the rate increases by $302 for a six-month policy in the case of
a speeding ticket.
Proctor auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1259
$210
One Med/PIP claim
$1278
$217
Not-at-fault accident
$1285
$214
One comp claim
$1285
$218
Two Med/PIP claims
$1304
$217
Two comp claims
$1335
$227
Failure to wear a seat belt
$1512
$252
Child safety restraint
$1523
$259
Driving without lights
$1523
$254
Failure to show documents
$1542
$262
Driving with expired registration
$1561
$261
Speeding 6 - 10 MPH over limit
$1561
$265
Driving too slowly
$1568
$262
Speeding 11 - 15 MPH over limit
$1568
$266
Speeding in school zone
$1568
$262
Speeding 16 - 20 MPH over limit
$1574
$268
Failure to stop at a red light
$1580
$263
Failure to yield
$1580
$269
Wrong way/wrong lane
$1587
$264
Cell phone violation
$1593
$271
In 65 MPH zone
$1593
$265
Texting while driving
$1593
$271
Following too closely
$1600
$266
Illegal turn
$1600
$272
Improper passing
$1600
$266
Speeding 21 - 25 MPH over limit
$1630
$278
At-fault accident - less than $1000
$1637
$272
Passing school bus
$1649
$281
Operating a vehicle without permission
$1700
$283
Open container
$1732
$295
At-fault accident - $1000-$2000
$1769
$295
At-fault accident - greater than $2000
$1776
$302
DUI
$1971
$329
Racing
$1971
$335
Refusal to submit to a chemical test
$1971
$329
Reckless driving
$2002
$340
Driving with a suspended license
$2059
$343
Leaving scene of an accident/hit and run
$2097
$356
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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 Proctor 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 Proctor.
The cheapest car insurance premiums in
Proctor are
offered by Hanover at $201 for a six-month policy.
However, it can be as
expensive as $2783 with companies
like AutoOwners.
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 Proctor are offered by Hanover
at $176. However,
it can be as expensive as $2210
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Proctor after Speeding ticket
Car insurance rates in Proctor have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Proctor rose by
$226 in January
compared to $210 of December. In other words, there has been an increase by $16 when you
compare January and December.
The average cost of liability insurance in the Proctor rose to $50 in January,
compared to $49 in December.
This represents an increase of $1
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Proctor. At $2100 for a
six-month policy, insuring
your car at 72376 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 Proctor?
The car insurance in Proctor is $32 per month, which is lower than the national average.
What is the cheapest car insurance in Proctor?
The cheapest car insurance in Proctor
is $87 per month
for full coverage.
How much is car insurance in Proctor for teenagers?
Car insurance for teenagers costs $163 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
Proctor?
The average cost of car insurance is $991 for a six-month
policy. It will cost around $177 per month to insure your
car in Proctor.
Is car insurance expensive in Proctor?
Car insurance can be expensive in Proctor if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Proctor can be
affordable.
What is the best car insurance in Proctor,
AR?
The best car insurance company in Proctor
AR is
AutoOwners Insurance Co, offering $510 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Proctor, AR
Car Insurance Rates by State in the USA (2025 Update)
Proctor Car Insurance
