Cheapest Car Insurance Quotes in Whelen Springs

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Whelen Springs Car Insurance

^$ 29

/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 Whelen Springs

The car insurance rate in Whelen Springs is $924 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $481, making it a popular choice for budget-conscious drivers. Rates in Whelen 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 Whelen Springs

$924

Avg. Car Insurance in Arkansas

$924

National Average

$1140

Cheapest Car Insurance Companies in Whelen Springs

1st place: AutoOwners Insurance Co

At $481 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 $630 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $647 for six months, making it the third cheapest auto insurance company in Whelen Springs.

Whelen Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Whelen Springs, AR is AutoOwners Insurance Co, offering policies at just $481 for a six-month term. This is followed by Travelers, which has an average six-month premium of $630.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1711 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Whelen Springs drivers find the best deals.

Cheap Car Insurance Companies in Whelen Springs, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$481	$82
Travelers	$630	$106
AAA	$647	$110
Southern Farm Bureau	$695	$117
USAA	$707	$119
State Farm	$796	$134
Farm Bureau	$814	$138
Shelter	$873	$147
Nationwide	$927	$156
Auto-Owners	$956	$159
Farmers	$1081	$182
Alfa	$1265	$211
Allstate	$1354	$228
Progressive	$1711	$288

Key Takeaways

Way's key takeaways about car insurance in Whelen Springs

The auto insurance costs in Whelen Springs fall around $481 for six months.
The cheapest auto insurance company in Whelen Springs is USAA.
Teen drivers pay the highest rate in Whelen Springs at $1022 per month.

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Cheapest Minimum Liability Car Insurance in Whelen 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 Whelen Springs are given below.

USAA provides the cheapest minimum car insurance coverage in Whelen Springs. Their Average 6 Month Premium is $172. Farmers is the most expensive at $594 for the same period.

Cheapest Liability Coverage in Whelen Springs, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$172	$29
Auto-Owners Insurance Co	$190	$32
State Farm	$214	$36
Auto-Owners	$226	$38
Travelers	$232	$39
AAA	$238	$40
Southern Farm Bureau	$244	$41
Farm Bureau	$249	$42
Alfa	$261	$44
Shelter	$285	$48
Nationwide	$297	$50
Progressive	$315	$53
Allstate	$546	$92
Farmers	$594	$99

Cheapest Full Coverage Car Insurance in Whelen 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 Whelen Springs is AutoOwners Insurance Co at $82 per month and $481 for six months.

Cheapest Full Coverage Car Insurance Quotes in Whelen Springs, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$481	$82
Travelers	$630	$106
AAA	$647	$110
Southern Farm Bureau	$695	$117
USAA	$707	$119
State Farm	$796	$134
Farm Bureau	$814	$138
Shelter	$873	$147
Nationwide	$927	$156
Auto-Owners	$956	$159
Farmers	$1081	$182
Alfa	$1265	$211
Allstate	$1354	$228
Progressive	$1711	$288

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Average Car Insurance in Whelen 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 Whelen Springs, AR increasing?

Despite maintaining a clean driving record, your car insurance rates in Whelen 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, Whelen 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 Whelen 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

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

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Whelen Springs at $26 per month. At $6011 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$154	$26
Travelers	$255	$43
Auto-Owners Insurance Co	$279	$47
AAA	$297	$51
Southern Farm Bureau	$1045	$176
USAA	$1206	$203
Farm Bureau	$1586	$264
State Farm	$1616	$272
Alfa	$1972	$329
Nationwide	$2020	$340
Shelter	$2625	$442
Progressive	$4906	$826
Allstate	$6011	$1012
Farmers	$6011	$1022

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 Whelen Springs, Southern Farm Bureau is the cheapest car insurance provider. At $291 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 Whelen Springs is State Farm, offering rates of around $3962 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Southern Farm Bureau	$291	$49
Home State Ins Group	$297	$51
Travelers	$350	$58
Alfa	$754	$127
USAA	$1010	$168
Shelter	$1105	$186
Nationwide	$1117	$188
Progressive	$1426	$240
Farm Bureau	$1473	$246
Farmers	$1485	$250
Allstate	$2715	$452
State Farm	$3962	$674

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

Car Insurance Rates with An Accident in Whelen 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 Whelen Springs, AR, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Whelen Springs include Hanover and Travelers, offering $178 and $303, respectively. Allstate is an expensive provider with an average six-month premium of $2513.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$178	$30
Travelers	$303	$51
Auto-Owners Insurance Co	$309	$51
Auto-Owners	$362	$62
Home State Ins Group	$380	$63
USAA	$570	$96
State Farm	$588	$99
Farm Bureau	$701	$118
Southern Farm Bureau	$713	$120
Shelter	$885	$149
Farmers	$1372	$231
Nationwide	$1390	$234
Progressive	$1723	$290
Alfa	$1931	$328
Allstate	$2513	$423

Whelen Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Whelen Springs AR. For example, the car insurance in Whelen Springs after a DUI increases to $671 for a six month policy. While the rate increases by $285 for a six-month policy in the case of a speeding ticket.

Whelen Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1188	$198
One Med/PIP claim	$1206	$205
Not-at-fault accident	$1212	$202
One comp claim	$1212	$206
Two Med/PIP claims	$1230	$205
Two comp claims	$1259	$214
Failure to wear a seat belt	$1426	$238
Child safety restraint	$1437	$244
Driving without lights	$1437	$240
Failure to show documents	$1455	$247
Driving with expired registration	$1473	$246
Speeding 6 - 10 MPH over limit	$1473	$250
Driving too slowly	$1479	$247
Speeding 11 - 15 MPH over limit	$1479	$251
Speeding in school zone	$1479	$247
Speeding 16 - 20 MPH over limit	$1485	$253
Failure to stop at a red light	$1491	$248
Failure to yield	$1491	$254
Wrong way/wrong lane	$1497	$249
Cell phone violation	$1503	$256
In 65 MPH zone	$1503	$250
Texting while driving	$1503	$256
Following too closely	$1509	$251
Illegal turn	$1509	$257
Improper passing	$1509	$251
Speeding 21 - 25 MPH over limit	$1538	$262
At-fault accident - less than $1000	$1544	$257
Passing school bus	$1556	$265
Operating a vehicle without permission	$1604	$267
Open container	$1634	$278
At-fault accident - $1000-$2000	$1669	$278
At-fault accident - greater than $2000	$1675	$285
DUI	$1859	$310
Racing	$1859	$316
Refusal to submit to a chemical test	$1859	$310
Reckless driving	$1889	$321
Driving with a suspended license	$1942	$324
Leaving scene of an accident/hit and run	$1978	$336

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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 Whelen 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 Whelen Springs.

The cheapest car insurance premiums in Whelen Springs are offered by Hanover at $190 for a six-month policy. However, it can be as expensive as $2530 with companies like Nationwide.

Whelen Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$190	$32
Home State Ins Group	$321	$53
Travelers	$333	$56
State Farm	$624	$105
Farm Bureau	$647	$109
Southern Farm Bureau	$659	$111
USAA	$903	$152
Progressive	$1129	$190
Shelter	$1414	$238
Alfa	$1871	$312
Allstate	$2204	$371
Farmers	$2281	$380
Nationwide	$2530	$426

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 Whelen Springs are offered by Hanover at $166. However, it can be as expensive as $1948 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Whelen Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$166	$28
Southern Farm Bureau	$178	$30
Auto-Owners Insurance Co	$220	$37
Travelers	$291	$49
Home State Ins Group	$309	$51
State Farm	$558	$94
USAA	$677	$113
Farm Bureau	$885	$150
Nationwide	$1010	$170
Progressive	$1093	$184
Shelter	$1146	$191
Farmers	$1331	$224
Alfa	$1824	$304
Allstate	$1948	$331

Car Insurance Price Trends in Whelen Springs, Arkansas

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

The average cost of full coverage in the Whelen Springs remained steady at $198 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Whelen Springs remained steady at $46 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Whelen Springs?

The car insurance in Whelen Springs is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Whelen Springs?

The cheapest car insurance in Whelen Springs is $82 per month for full coverage.

How much is car insurance in Whelen Springs for teenagers?

Car insurance for teenagers costs $154 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 Whelen Springs?

The average cost of car insurance is $924 for a six-month policy. It will cost around $155 per month to insure your car in Whelen Springs.

Is car insurance expensive in Whelen Springs?

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

Cheapest Car Insurance Quotes in Whelen Springs

Why you can trust Way?

How Much Is Car Insurance in Whelen Springs

Avg. Car Insurance in Whelen Springs

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Whelen Springs

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Whelen Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Whelen Springs, AR

Way's key takeaways about car insurance in Whelen Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Whelen Springs

Cheapest Liability Coverage in Whelen Springs, AR

Cheapest Full Coverage Car Insurance in Whelen Springs

Cheapest Full Coverage Car Insurance Quotes in Whelen Springs, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Whelen Springs by Rating Factor

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

Car Insurance Premiums by Age in Whelen Springs

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Whelen Springs Car Insurance Rates by Violation

Whelen Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Whelen Springs after a DUI

Whelen Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Whelen Springs after Speeding ticket

Car Insurance Price Trends in Whelen Springs, Arkansas

Average Car Insurance Cost in Whelen Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Whelen Springs, AR

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

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