Cheapest Car Insurance Quotes in Siloam Springs

Finding the cheapest car insurance quotes in Siloam Springs 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Siloam Springs Car Insurance

^$ 26

/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 Siloam Springs

The car insurance rate in Siloam Springs is $872 for a six-month policy, which is $119 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $423, making it a popular choice for budget-conscious drivers. Rates in Siloam Springs 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 Siloam Springs

$872

Avg. Car Insurance in Arkansas

$991

National Average

$1278

Cheapest Car Insurance Companies in Siloam Springs

1st place: AutoOwners Insurance Co

At $423 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 $554 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $569 for six months, making it the third cheapest auto insurance company in Siloam Springs.

Siloam Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Siloam Springs, AR is AutoOwners Insurance Co, offering policies at just $423 for a six-month term. This is followed by Travelers, which has an average six-month premium of $554.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1542 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Siloam Springs drivers find the best deals.

Cheap Car Insurance Companies in Siloam Springs, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$423	$72
Travelers	$554	$93
AAA	$569	$97
Southern Farm Bureau	$612	$103
USAA	$643	$108
Nationwide	$758	$128
State Farm	$768	$129
Shelter	$774	$130
Farmers	$1019	$172
Farm Bureau	$1024	$171
Auto-Owners	$1045	$176
Allstate	$1228	$207
Alfa	$1260	$214
Progressive	$1542	$260

Key Takeaways

Way's key takeaways about car insurance in Siloam Springs

The auto insurance costs in Siloam Springs fall around $423 for six months.
The cheapest auto insurance company in Siloam Springs is USAA.
Teen drivers pay the highest rate in Siloam Springs at $1017 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 Siloam Springs

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 Siloam Springs are given below.

USAA provides the cheapest minimum car insurance coverage in Siloam Springs. Their Average 6 Month Premium is $157. Farmers is the most expensive at $569 for the same period.

Cheapest Liability Coverage in Siloam Springs, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$157	$26
Auto-Owners Insurance Co	$167	$28
State Farm	$199	$33
Travelers	$204	$34
AAA	$209	$35
Southern Farm Bureau	$215	$36
Auto-Owners	$235	$40
Nationwide	$240	$40
Alfa	$251	$42
Shelter	$251	$42
Farm Bureau	$272	$47
Progressive	$277	$47
Allstate	$476	$80
Farmers	$569	$95

Cheapest Full Coverage Car Insurance in Siloam Springs

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 Siloam Springs is AutoOwners Insurance Co at $72 per month and $423 for six months.

Cheapest Full Coverage Car Insurance Quotes in Siloam Springs, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$423	$72
Travelers	$554	$93
AAA	$569	$97
Southern Farm Bureau	$612	$103
USAA	$643	$108
Nationwide	$758	$128
State Farm	$768	$129
Shelter	$774	$130
Farmers	$1019	$172
Farm Bureau	$1024	$171
Auto-Owners	$1045	$176
Allstate	$1228	$207
Alfa	$1260	$214
Progressive	$1542	$260

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Siloam Springs Instantly!

Average Car Insurance in Siloam Springs 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 Siloam Springs, AR increasing?

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

Car Insurance Premiums by Age in Siloam Springs

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Siloam Springs,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Siloam Springs at $23 per month. At $5985 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$136	$23
Travelers	$224	$38
Auto-Owners Insurance Co	$246	$41
AAA	$261	$44
Southern Farm Bureau	$920	$155
USAA	$1129	$190
Nationwide	$1239	$209
State Farm	$1522	$256
Farm Bureau	$1824	$310
Alfa	$1955	$326
Shelter	$2336	$393
Auto-Owners	$3335	$556
Progressive	$4411	$743
Allstate	$5515	$928
Farmers	$5985	$1017

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 Siloam Springs, Nationwide is the cheapest car insurance provider. At $235 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 Siloam Springs is State Farm, offering rates of around $4333 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$235	$40
Southern Farm Bureau	$256	$43
Home State Ins Group	$261	$45
Travelers	$308	$51
Alfa	$737	$124
Shelter	$994	$167
USAA	$1040	$177
Progressive	$1296	$218
Farmers	$1458	$246
Farm Bureau	$1814	$303
Allstate	$2556	$435
Auto-Owners	$3643	$607
State Farm	$4333	$737

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Siloam Springs.

Car Insurance Rates with An Accident in Siloam Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Siloam Springs

The cheapest car insurance companies after an at-fault accident in Siloam Springs include Hanover and Travelers, offering $157 and $267, respectively. Allstate is an expensive provider with an average six-month premium of $2300.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$157	$26
Travelers	$267	$45
Auto-Owners Insurance Co	$272	$45
Home State Ins Group	$334	$57
State Farm	$528	$89
USAA	$533	$90
Southern Farm Bureau	$627	$106
Shelter	$784	$132
Farm Bureau	$805	$136
Nationwide	$884	$149
Auto-Owners	$1040	$175
Farmers	$1349	$227
Progressive	$1573	$265
Alfa	$1955	$333
Allstate	$2300	$387

Siloam Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Siloam Springs AR. For example, the car insurance in Siloam Springs after a DUI increases to $591 for a six month policy. While the rate increases by $251 for a six-month policy in the case of a speeding ticket.

Siloam Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1045	$174
One Med/PIP claim	$1061	$180
Not-at-fault accident	$1067	$178
One comp claim	$1067	$181
Two Med/PIP claims	$1082	$180
Two comp claims	$1108	$188
Failure to wear a seat belt	$1255	$209
Child safety restraint	$1265	$215
Driving without lights	$1265	$211
Failure to show documents	$1280	$217
Driving with expired registration	$1296	$216
Speeding 6 - 10 MPH over limit	$1296	$220
Driving too slowly	$1302	$217
Speeding 11 - 15 MPH over limit	$1302	$221
Speeding in school zone	$1302	$217
Speeding 16 - 20 MPH over limit	$1307	$223
Failure to stop at a red light	$1312	$218
Failure to yield	$1312	$224
Wrong way/wrong lane	$1317	$219
Cell phone violation	$1323	$225
In 65 MPH zone	$1323	$220
Texting while driving	$1323	$225
Following too closely	$1328	$221
Illegal turn	$1328	$226
Improper passing	$1328	$221
Speeding 21 - 25 MPH over limit	$1353	$231
At-fault accident - less than $1000	$1359	$226
Passing school bus	$1369	$233
Operating a vehicle without permission	$1412	$235
Open container	$1438	$245
At-fault accident - $1000-$2000	$1469	$245
At-fault accident - greater than $2000	$1474	$251
DUI	$1636	$273
Racing	$1636	$278
Refusal to submit to a chemical test	$1636	$273
Reckless driving	$1662	$282
Driving with a suspended license	$1709	$285
Leaving scene of an accident/hit and run	$1741	$296

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Siloam Springs 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 Siloam Springs.

The cheapest car insurance premiums in Siloam Springs are offered by Hanover at $167 for a six-month policy. However, it can be as expensive as $2310 with companies like AutoOwners.

Siloam Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$167	$28
Home State Ins Group	$282	$47
Travelers	$293	$49
Southern Farm Bureau	$580	$98
Farm Bureau	$752	$127
USAA	$847	$143
State Farm	$899	$151
Progressive	$1030	$173
Shelter	$1255	$211
Alfa	$1830	$305
Nationwide	$1918	$326
Allstate	$2007	$338
Farmers	$2284	$388
Auto-Owners	$2310	$385

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 Siloam Springs are offered by Hanover at $146. However, it can be as expensive as $1835 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Siloam Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$146	$25
Southern Farm Bureau	$157	$26
Auto-Owners Insurance Co	$194	$33
Nationwide	$215	$36
Travelers	$256	$43
Home State Ins Group	$272	$47
State Farm	$554	$93
USAA	$700	$119
Shelter	$1024	$171
Progressive	$1030	$173
Farm Bureau	$1103	$184
Auto-Owners	$1244	$211
Farmers	$1312	$221
Alfa	$1793	$304
Allstate	$1835	$305

Car Insurance Price Trends in Siloam Springs, Arkansas

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

The average cost of full coverage in the Siloam Springs rose by $187 in January compared to $174 of December. In other words, there has been an increase by $13 when you compare January and December.

The average cost of liability insurance in the Siloam Springs rose to $41 in January, compared to $40 in December. This represents an increase of $1 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Siloam Springs?

The car insurance in Siloam Springs is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Siloam Springs?

The cheapest car insurance in Siloam Springs is $72 per month for full coverage.

How much is car insurance in Siloam Springs for teenagers?

Car insurance for teenagers costs $136 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 Siloam Springs?

The average cost of car insurance is $991 for a six-month policy. It will cost around $147 per month to insure your car in Siloam Springs.

Is car insurance expensive in Siloam Springs?

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

Cheapest Car Insurance Quotes in Siloam Springs

Why you can trust Way?

How Much Is Car Insurance in Siloam Springs

Avg. Car Insurance in Siloam Springs

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Siloam Springs

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Siloam Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Siloam Springs, AR

Way's key takeaways about car insurance in Siloam Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Siloam Springs

Cheapest Liability Coverage in Siloam Springs, AR

Cheapest Full Coverage Car Insurance in Siloam Springs

Cheapest Full Coverage Car Insurance Quotes in Siloam Springs, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Siloam Springs by Rating Factor

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

Car Insurance Premiums by Age in Siloam Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Siloam Springs,AR

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

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 Siloam Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Siloam Springs

Siloam Springs Car Insurance Rates by Violation

Siloam Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Siloam Springs after a DUI

Siloam Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Siloam Springs after Speeding ticket

Car Insurance Price Trends in Siloam Springs, Arkansas

Average Car Insurance Cost in Siloam Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Siloam Springs, AR

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

Featured Blogs

Data Sources