Cheapest Car Insurance Quotes in Subiaco

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Subiaco 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 Subiaco

The car insurance rate in Subiaco is $892 for a six-month policy, which is $99 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $433, making it a popular choice for budget-conscious drivers. Rates in Subiaco 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 Subiaco

$892

Avg. Car Insurance in Arkansas

$991

National Average

$1278

Cheapest Car Insurance Companies in Subiaco

1st place: AutoOwners Insurance Co

At $433 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 $567 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $582 for six months, making it the third cheapest auto insurance company in Subiaco.

Subiaco Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Subiaco, AR is AutoOwners Insurance Co, offering policies at just $433 for a six-month term. This is followed by Travelers, which has an average six-month premium of $567.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1577 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Subiaco drivers find the best deals.

Cheap Car Insurance Companies in Subiaco, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$433	$74
Travelers	$567	$95
AAA	$582	$99
Southern Farm Bureau	$626	$105
USAA	$658	$111
Nationwide	$775	$131
State Farm	$786	$132
Shelter	$791	$133
Farmers	$1042	$176
Farm Bureau	$1048	$175
Auto-Owners	$1069	$180
Allstate	$1256	$212
Alfa	$1289	$219
Progressive	$1577	$266

Key Takeaways

Way's key takeaways about car insurance in Subiaco

The auto insurance costs in Subiaco fall around $433 for six months.
The cheapest auto insurance company in Subiaco is USAA.
Teen drivers pay the highest rate in Subiaco at $1040 per month.

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Cheapest Minimum Liability Car Insurance in Subiaco

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 Subiaco are given below.

USAA provides the cheapest minimum car insurance coverage in Subiaco. Their Average 6 Month Premium is $160. Farmers is the most expensive at $582 for the same period.

Cheapest Liability Coverage in Subiaco, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$160	$27
Auto-Owners Insurance Co	$171	$29
State Farm	$203	$34
Travelers	$209	$35
AAA	$214	$36
Southern Farm Bureau	$220	$37
Auto-Owners	$240	$41
Nationwide	$246	$41
Alfa	$257	$43
Shelter	$257	$43
Farm Bureau	$278	$48
Progressive	$284	$48
Allstate	$487	$82
Farmers	$582	$97

Cheapest Full Coverage Car Insurance in Subiaco

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 Subiaco is AutoOwners Insurance Co at $74 per month and $433 for six months.

Cheapest Full Coverage Car Insurance Quotes in Subiaco, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$433	$74
Travelers	$567	$95
AAA	$582	$99
Southern Farm Bureau	$626	$105
USAA	$658	$111
Nationwide	$775	$131
State Farm	$786	$132
Shelter	$791	$133
Farmers	$1042	$176
Farm Bureau	$1048	$175
Auto-Owners	$1069	$180
Allstate	$1256	$212
Alfa	$1289	$219
Progressive	$1577	$266

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Average Car Insurance in Subiaco 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 Subiaco, AR increasing?

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

Car Insurance Premiums by Age in Subiaco

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 Subiaco,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Subiaco at $23 per month. At $6121 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$139	$23
Travelers	$230	$39
Auto-Owners Insurance Co	$251	$42
AAA	$267	$45
Southern Farm Bureau	$941	$158
USAA	$1155	$194
Nationwide	$1267	$213
State Farm	$1556	$262
Farm Bureau	$1866	$317
Alfa	$2000	$333
Shelter	$2390	$402
Auto-Owners	$3411	$569
Progressive	$4512	$760
Allstate	$5640	$950
Farmers	$6121	$1040

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 Subiaco, Nationwide is the cheapest car insurance provider. At $240 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 Subiaco is State Farm, offering rates of around $4432 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$240	$41
Southern Farm Bureau	$262	$44
Home State Ins Group	$267	$46
Travelers	$315	$52
Alfa	$754	$127
Shelter	$1016	$171
USAA	$1064	$181
Progressive	$1326	$223
Farmers	$1491	$251
Farm Bureau	$1855	$310
Allstate	$2615	$445
Auto-Owners	$3726	$621
State Farm	$4432	$753

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Car Insurance Rates with An Accident in Subiaco

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

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

The cheapest car insurance companies after an at-fault accident in Subiaco include Hanover and Travelers, offering $160 and $273, respectively. Allstate is an expensive provider with an average six-month premium of $2353.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$160	$27
Travelers	$273	$46
Auto-Owners Insurance Co	$278	$46
Home State Ins Group	$342	$59
State Farm	$540	$91
USAA	$545	$92
Southern Farm Bureau	$642	$108
Shelter	$802	$135
Farm Bureau	$824	$139
Nationwide	$904	$152
Auto-Owners	$1064	$179
Farmers	$1380	$232
Progressive	$1609	$271
Alfa	$2000	$340
Allstate	$2353	$396

Subiaco Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Subiaco AR. For example, the car insurance in Subiaco after a DUI increases to $604 for a six month policy. While the rate increases by $257 for a six-month policy in the case of a speeding ticket.

Subiaco auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1069	$178
One Med/PIP claim	$1085	$185
Not-at-fault accident	$1091	$182
One comp claim	$1091	$185
Two Med/PIP claims	$1107	$185
Two comp claims	$1133	$193
Failure to wear a seat belt	$1283	$214
Child safety restraint	$1293	$220
Driving without lights	$1293	$216
Failure to show documents	$1310	$222
Driving with expired registration	$1326	$221
Speeding 6 - 10 MPH over limit	$1326	$225
Driving too slowly	$1331	$222
Speeding 11 - 15 MPH over limit	$1331	$226
Speeding in school zone	$1331	$222
Speeding 16 - 20 MPH over limit	$1337	$228
Failure to stop at a red light	$1342	$223
Failure to yield	$1342	$229
Wrong way/wrong lane	$1347	$224
Cell phone violation	$1353	$230
In 65 MPH zone	$1353	$225
Texting while driving	$1353	$230
Following too closely	$1358	$226
Illegal turn	$1358	$231
Improper passing	$1358	$226
Speeding 21 - 25 MPH over limit	$1384	$236
At-fault accident - less than $1000	$1390	$231
Passing school bus	$1400	$239
Operating a vehicle without permission	$1444	$240
Open container	$1471	$250
At-fault accident - $1000-$2000	$1502	$250
At-fault accident - greater than $2000	$1508	$257
DUI	$1673	$279
Racing	$1673	$284
Refusal to submit to a chemical test	$1673	$279
Reckless driving	$1700	$289
Driving with a suspended license	$1748	$292
Leaving scene of an accident/hit and run	$1780	$302

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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 Subiaco 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 Subiaco.

The cheapest car insurance premiums in Subiaco are offered by Hanover at $171 for a six-month policy. However, it can be as expensive as $2363 with companies like AutoOwners.

Subiaco car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$171	$29
Home State Ins Group	$289	$48
Travelers	$300	$50
Southern Farm Bureau	$593	$100
Farm Bureau	$770	$130
USAA	$866	$146
State Farm	$920	$155
Progressive	$1053	$177
Shelter	$1283	$216
Alfa	$1871	$312
Nationwide	$1962	$334
Allstate	$2053	$346
Farmers	$2336	$397
Auto-Owners	$2363	$394

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 Subiaco are offered by Hanover at $149. However, it can be as expensive as $1877 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Subiaco after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$149	$25
Southern Farm Bureau	$160	$27
Auto-Owners Insurance Co	$198	$33
Nationwide	$220	$37
Travelers	$262	$44
Home State Ins Group	$278	$48
State Farm	$567	$95
USAA	$716	$122
Shelter	$1048	$175
Progressive	$1053	$177
Farm Bureau	$1128	$188
Auto-Owners	$1273	$216
Farmers	$1342	$226
Alfa	$1833	$311
Allstate	$1877	$312

Car Insurance Price Trends in Subiaco, Arkansas

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

The average cost of full coverage in the Subiaco rose by $192 in January compared to $178 of December. In other words, there has been an increase by $14 when you compare January and December.

The average cost of liability insurance in the Subiaco rose to $42 in January, compared to $41 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Subiaco?

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

What is the cheapest car insurance in Subiaco?

The cheapest car insurance in Subiaco is $74 per month for full coverage.

How much is car insurance in Subiaco for teenagers?

Car insurance for teenagers costs $139 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 Subiaco?

The average cost of car insurance is $991 for a six-month policy. It will cost around $150 per month to insure your car in Subiaco.

Is car insurance expensive in Subiaco?

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

Cheapest Car Insurance Quotes in Subiaco

Why you can trust Way?

How Much Is Car Insurance in Subiaco

Avg. Car Insurance in Subiaco

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Subiaco

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Subiaco Car Insurance Rates by Company

Cheap Car Insurance Companies in Subiaco, AR

Way's key takeaways about car insurance in Subiaco

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Subiaco

Cheapest Liability Coverage in Subiaco, AR

Cheapest Full Coverage Car Insurance in Subiaco

Cheapest Full Coverage Car Insurance Quotes in Subiaco, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Subiaco by Rating Factor

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

Car Insurance Premiums by Age in Subiaco

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Subiaco,AR

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

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 Subiaco

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

Subiaco Car Insurance Rates by Violation

Subiaco auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Subiaco after a DUI

Subiaco car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Subiaco after Speeding ticket

Car Insurance Price Trends in Subiaco, Arkansas

Average Car Insurance Cost in Subiaco by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Subiaco, AR

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

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