Cheapest Car Insurance Quotes in Warren

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406,175 Policies Sold

Warren Car Insurance

^$ 32

/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 Warren

The car insurance rate in Warren is $1070 for a six-month policy, which is $79 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $519, making it a popular choice for budget-conscious drivers. Rates in Warren 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 Warren

$1070

Avg. Car Insurance in Arkansas

$991

National Average

$1278

Cheapest Car Insurance Companies in Warren

1st place: AutoOwners Insurance Co

At $519 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 $680 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $699 for six months, making it the third cheapest auto insurance company in Warren.

Warren Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Warren, AR is AutoOwners Insurance Co, offering policies at just $519 for a six-month term. This is followed by Travelers, which has an average six-month premium of $680.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1892 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Warren drivers find the best deals.

Cheap Car Insurance Companies in Warren, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$519	$89
Travelers	$680	$114
AAA	$699	$119
Southern Farm Bureau	$751	$126
USAA	$789	$133
Nationwide	$930	$157
State Farm	$943	$159
Shelter	$949	$160
Farmers	$1251	$211
Farm Bureau	$1257	$210
Auto-Owners	$1283	$216
Allstate	$1508	$254
Alfa	$1547	$262
Progressive	$1892	$319

Key Takeaways

Way's key takeaways about car insurance in Warren

The auto insurance costs in Warren fall around $519 for six months.
The cheapest auto insurance company in Warren is USAA.
Teen drivers pay the highest rate in Warren at $1248 per month.

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Cheapest Minimum Liability Car Insurance in Warren

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 Warren are given below.

USAA provides the cheapest minimum car insurance coverage in Warren. Their Average 6 Month Premium is $192. Farmers is the most expensive at $699 for the same period.

Cheapest Liability Coverage in Warren, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$192	$32
Auto-Owners Insurance Co	$205	$35
State Farm	$244	$41
Travelers	$251	$42
AAA	$257	$43
Southern Farm Bureau	$264	$44
Auto-Owners	$288	$49
Nationwide	$295	$50
Alfa	$308	$52
Shelter	$308	$52
Farm Bureau	$334	$57
Progressive	$340	$57
Allstate	$584	$98
Farmers	$699	$117

Cheapest Full Coverage Car Insurance in Warren

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 Warren is AutoOwners Insurance Co at $89 per month and $519 for six months.

Cheapest Full Coverage Car Insurance Quotes in Warren, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$519	$89
Travelers	$680	$114
AAA	$699	$119
Southern Farm Bureau	$751	$126
USAA	$789	$133
Nationwide	$930	$157
State Farm	$943	$159
Shelter	$949	$160
Farmers	$1251	$211
Farm Bureau	$1257	$210
Auto-Owners	$1283	$216
Allstate	$1508	$254
Alfa	$1547	$262
Progressive	$1892	$319

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Average Car Insurance in Warren 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 Warren, AR increasing?

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

Car Insurance Premiums by Age in Warren

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 Warren,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Warren at $28 per month. At $7345 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$166	$28
Travelers	$275	$46
Auto-Owners Insurance Co	$301	$51
AAA	$321	$54
Southern Farm Bureau	$1129	$190
USAA	$1386	$233
Nationwide	$1521	$256
State Farm	$1867	$314
Farm Bureau	$2239	$380
Alfa	$2400	$400
Shelter	$2867	$483
Auto-Owners	$4093	$683
Progressive	$5414	$912
Allstate	$6768	$1139
Farmers	$7345	$1248

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 Warren, Nationwide is the cheapest car insurance provider. At $288 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 Warren is State Farm, offering rates of around $5318 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$288	$49
Southern Farm Bureau	$314	$53
Home State Ins Group	$321	$55
Travelers	$378	$63
Alfa	$905	$152
Shelter	$1219	$205
USAA	$1277	$217
Progressive	$1591	$268
Farmers	$1790	$301
Farm Bureau	$2226	$372
Allstate	$3137	$534
Auto-Owners	$4471	$745
State Farm	$5318	$904

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Car Insurance Rates with An Accident in Warren

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

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

The cheapest car insurance companies after an at-fault accident in Warren include Hanover and Travelers, offering $192 and $327, respectively. Allstate is an expensive provider with an average six-month premium of $2823.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$192	$32
Travelers	$327	$55
Auto-Owners Insurance Co	$334	$55
Home State Ins Group	$410	$70
State Farm	$648	$109
USAA	$654	$110
Southern Farm Bureau	$770	$130
Shelter	$962	$162
Farm Bureau	$988	$166
Nationwide	$1084	$183
Auto-Owners	$1277	$215
Farmers	$1656	$279
Progressive	$1931	$325
Alfa	$2400	$408
Allstate	$2823	$475

Warren Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Warren AR. For example, the car insurance in Warren after a DUI increases to $725 for a six month policy. While the rate increases by $308 for a six-month policy in the case of a speeding ticket.

Warren auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1283	$214
One Med/PIP claim	$1302	$221
Not-at-fault accident	$1309	$218
One comp claim	$1309	$222
Two Med/PIP claims	$1328	$221
Two comp claims	$1360	$231
Failure to wear a seat belt	$1540	$257
Child safety restraint	$1552	$264
Driving without lights	$1552	$259
Failure to show documents	$1571	$267
Driving with expired registration	$1591	$266
Speeding 6 - 10 MPH over limit	$1591	$270
Driving too slowly	$1597	$267
Speeding 11 - 15 MPH over limit	$1597	$271
Speeding in school zone	$1597	$267
Speeding 16 - 20 MPH over limit	$1604	$273
Failure to stop at a red light	$1610	$268
Failure to yield	$1610	$274
Wrong way/wrong lane	$1617	$269
Cell phone violation	$1623	$276
In 65 MPH zone	$1623	$270
Texting while driving	$1623	$276
Following too closely	$1630	$271
Illegal turn	$1630	$278
Improper passing	$1630	$271
Speeding 21 - 25 MPH over limit	$1661	$283
At-fault accident - less than $1000	$1668	$278
Passing school bus	$1680	$286
Operating a vehicle without permission	$1732	$288
Open container	$1765	$300
At-fault accident - $1000-$2000	$1803	$300
At-fault accident - greater than $2000	$1809	$308
DUI	$2008	$335
Racing	$2008	$341
Refusal to submit to a chemical test	$2008	$335
Reckless driving	$2040	$347
Driving with a suspended license	$2097	$350
Leaving scene of an accident/hit and run	$2136	$363

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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 Warren 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 Warren.

The cheapest car insurance premiums in Warren are offered by Hanover at $205 for a six-month policy. However, it can be as expensive as $2835 with companies like AutoOwners.

Warren car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$205	$35
Home State Ins Group	$347	$57
Travelers	$360	$60
Southern Farm Bureau	$712	$120
Farm Bureau	$923	$156
USAA	$1039	$175
State Farm	$1104	$186
Progressive	$1264	$213
Shelter	$1540	$259
Alfa	$2245	$375
Nationwide	$2354	$401
Allstate	$2463	$415
Farmers	$2804	$476
Auto-Owners	$2835	$473

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 Warren are offered by Hanover at $179. However, it can be as expensive as $2252 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Warren after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$179	$30
Southern Farm Bureau	$192	$32
Auto-Owners Insurance Co	$238	$40
Nationwide	$264	$44
Travelers	$314	$53
Home State Ins Group	$334	$57
State Farm	$680	$114
USAA	$860	$146
Shelter	$1257	$210
Progressive	$1264	$213
Farm Bureau	$1353	$226
Auto-Owners	$1527	$259
Farmers	$1610	$271
Alfa	$2200	$374
Allstate	$2252	$375

Car Insurance Price Trends in Warren, Arkansas

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

The average cost of full coverage in the Warren rose by $230 in January compared to $214 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 Warren rose to $51 in January, compared to $50 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 Warren?

The car insurance in Warren is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Warren?

The cheapest car insurance in Warren is $89 per month for full coverage.

How much is car insurance in Warren for teenagers?

Car insurance for teenagers costs $166 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 Warren?

The average cost of car insurance is $991 for a six-month policy. It will cost around $180 per month to insure your car in Warren.

Is car insurance expensive in Warren?

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

Cheapest Car Insurance Quotes in Warren

Why you can trust Way?

How Much Is Car Insurance in Warren

Avg. Car Insurance in Warren

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Warren

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Warren Car Insurance Rates by Company

Cheap Car Insurance Companies in Warren, AR

Way's key takeaways about car insurance in Warren

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Warren

Cheapest Liability Coverage in Warren, AR

Cheapest Full Coverage Car Insurance in Warren

Cheapest Full Coverage Car Insurance Quotes in Warren, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Warren by Rating Factor

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

Car Insurance Premiums by Age in Warren

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Warren,AR

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

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 Warren

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

Warren Car Insurance Rates by Violation

Warren auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Warren after a DUI

Warren car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Warren after Speeding ticket

Car Insurance Price Trends in Warren, Arkansas

Average Car Insurance Cost in Warren by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Warren, AR

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

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