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Finding the cheapest car insurance quotes in West Helena 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 West Helena
The car insurance rate in West Helena is $1081 for a six-month policy, which is $157 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $563, making it a popular choice for budget-conscious drivers. Rates in West Helena 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 $563 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 $737 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: AAA
AAA offers auto insurance
rates at $757
for six months, making it
the third cheapest auto insurance company in West Helena.
West Helena Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in West Helena, AR is AutoOwners Insurance Co, offering policies at just $563 for a six-month term. This is followed by Travelers, which has an average six-month premium of $737.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $2002 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Helena drivers find the best deals.
Way's key takeaways about car insurance in West Helena
The auto insurance costs in West Helena fall around $563 for six
months.
The cheapest auto insurance company in West Helena is USAA.
Teen drivers pay the highest rate in West Helena at $1196 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 West Helena
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 West Helena are given below.
USAA provides
the cheapest minimum car insurance
coverage in West Helena. Their Average 6 Month Premium is $201.
Farmers is the most
expensive at $695 for the same
period.
Cheapest Full Coverage Car Insurance in West Helena
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 West Helena is AutoOwners Insurance Co
at $96 per month and $563
for six months.
Cheapest Full Coverage Car Insurance Quotes in West Helena,
AR
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Average Car Insurance in West Helena 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 West Helena, AR increasing?
Despite maintaining a clean driving record, your car insurance rates
in West Helena, 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, West Helena's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in West Helena
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
West Helena,AR
If you are planning to get a car insurance policy for your teenage
dependent, Hanover provides the cheapest car
insurance in the West Helena at $30
per
month. At $7033 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 West Helena.
As young drivers face the highest rates in West Helena, 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 West Helena,
Southern Farm Bureau is
the cheapest car insurance provider. At $340 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
West Helena is State Farm, offering
rates of around $4636 for six
months.
Save up to $971/yr on car insurance rates in West Helena.
Car Insurance Rates with An Accident in West Helena
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 West Helena, AR,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in West Helena
The cheapest car insurance companies after an at-fault accident in
West Helena include Hanover
and Travelers, offering $208
and $355,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2940.
Here is a list of driving violations that can increase your car
insurance rates in West Helena AR. For example, the car
insurance in West Helena
after a DUI increases to $785 for a six
month policy. While the rate increases by $333 for a six-month policy in the case of
a speeding ticket.
West Helena auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1390
$232
One Med/PIP claim
$1411
$240
Not-at-fault accident
$1418
$236
One comp claim
$1418
$241
Two Med/PIP claims
$1439
$240
Two comp claims
$1473
$250
Failure to wear a seat belt
$1668
$278
Child safety restraint
$1681
$285
Driving without lights
$1681
$281
Failure to show documents
$1702
$289
Driving with expired registration
$1723
$288
Speeding 6 - 10 MPH over limit
$1723
$293
Driving too slowly
$1730
$289
Speeding 11 - 15 MPH over limit
$1730
$294
Speeding in school zone
$1730
$289
Speeding 16 - 20 MPH over limit
$1737
$296
Failure to stop at a red light
$1744
$290
Failure to yield
$1744
$297
Wrong way/wrong lane
$1751
$291
Cell phone violation
$1759
$300
In 65 MPH zone
$1759
$293
Texting while driving
$1759
$300
Following too closely
$1766
$294
Illegal turn
$1766
$301
Improper passing
$1766
$294
Speeding 21 - 25 MPH over limit
$1799
$307
At-fault accident - less than $1000
$1806
$301
Passing school bus
$1821
$310
Operating a vehicle without permission
$1877
$312
Open container
$1912
$325
At-fault accident - $1000-$2000
$1953
$325
At-fault accident - greater than $2000
$1960
$333
DUI
$2175
$363
Racing
$2175
$370
Refusal to submit to a chemical test
$2175
$363
Reckless driving
$2210
$376
Driving with a suspended license
$2272
$379
Leaving scene of an accident/hit and run
$2314
$393
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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 West Helena 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 West Helena.
The cheapest car insurance premiums in
West Helena are
offered by Hanover at $222 for a six-month policy.
However, it can be as
expensive as $2960 with companies
like Nationwide.
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 West Helena are offered by Hanover
at $194. However,
it can be as expensive as $2279
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in West Helena after Speeding ticket
Car Insurance Price Trends in West Helena,
Arkansas
Car insurance rates in West Helena have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the West Helena remained steady at $232 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the West Helena remained steady at $54 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in West Helena by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
West Helena. At $2162 for a
six-month policy, insuring
your car at 72390 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 West Helena?
The car insurance in West Helena is $34 per month, which is lower than the national average.
What is the cheapest car insurance in West Helena?
The cheapest car insurance in West Helena
is $96 per month
for full coverage.
How much is car insurance in West Helena for teenagers?
Car insurance for teenagers costs $180 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
West Helena?
The average cost of car insurance is $924 for a six-month
policy. It will cost around $181 per month to insure your
car in West Helena.
Is car insurance expensive in West Helena?
Car insurance can be expensive in West Helena if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in West Helena can be
affordable.
What is the best car insurance in West Helena,
AR?
The best car insurance company in West Helena
AR is
AutoOwners Insurance Co, offering $563 for a
six-month policy.
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Find Car Insurance Rates in Cities Near West Helena, AR
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West Helena Car Insurance
