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Cheapest car insurance in Perryville, Arkansas (Jul 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Perryville, Arkansas.
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Jasmine Kanter
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How to find the cheapest car insurance in Perryville

The simplest way to find cheap car insurance in Perryville,
Arkansas
, is to
compare car insurance quotes
. By finding the right company (and the right car insurance discounts), you can overcome costly factors like bad credit or a spotty driving record.
The only downside is the time it takes to
shop for car insurance
among tens of companies and thousands of products.
Jerry
simplifies the process by automatically fetching and comparing quotes for you, and presenting the top five to seven picks.
Here’s a sample of the cheapest quotes Jerry customers found in Perryville:
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$71
Alejandro, 30
Zip: 72126
Jeep Compass Latitude
• 25,000/50,000 Liability
• Comp / Collision
Travelers
$110
Frederick, 32
Zip: 72126
GMC Envoy Denali
• 25,000/50,000 Liability
• Comp / Collision
coverageLast Updated Jul 19, 2024

Best car insurance companies in Perryville

The best car insurance company
for you is the one that offers the best coverage, price, and amenities for your individual needs—but that doesn’t mean all insurance providers are made equal.
According to the results of Jerry’s nationwide shopping survey, most drivers in Arkansas choose:
  • Safeco
    or
    Dairyland
    , thanks to their low insurance rates and high level of customer service.
  • USAA, which offers great discounts to military members and their families.
  • Or
    Progressive
    , whose increased car insurance policy costs are offset by high customer service ratings.
GEICO, State Farm, and
Allstate
also proved to be popular choices. The table below shows how the five most popular car insurance providers in Arkansas scored in the categories of price, claims experience, and customer service:
Insurance companyOverall ratingPriceClaims experienceCustomer service
Safeco
4.8
4.3
N/A
4.8
Allstate
4.8
3.7
N/A
4.2
Progressive
4.5
4.1
4.7
4.6
State Farm
4
3
3
3.6
Geico
3.3
2.5
N/A
3
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Perryville

All Arkansas drivers must purchase a policy that meets the state minimum car insurance requirements. Once you have
liability insurance
—i.e. auto insurance that will pay for any injuries or damages you cause in an at-fault car accident—you can
register your car
and hit the road.

Cheap minimum liability insurance quotes in Perryville

The cheapest auto insurance coverage you can buy in Perryville meets
Arkansas’ minimum car insurance requirements
and no more. This coverage includes:
Most auto insurance providers simplify these requirements to “25/50/25.”
Here’s how much it costs Jerry customers to carry the lowest insurance coverage possible in Perryville, AR:
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Ray (33 years old)
coverageCoverage
State Minimum
locationPerryville, AR
(Zip Code: 72126)
$79
per month
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Joe (36 years old)
coverageCoverage
State Minimum
locationPerryville, AR
(Zip Code: 72126)
$49
per month

Do you need more than minimum coverage in Perryville?

Arkansas’ minimum insurance requirements aren’t
as low as those of other states
, but they’re close. In the event of an accident, they’re unlikely to cover all the medical costs and repair bills that result, especially if there’s been a serious injury.
Don’t forget that
Arkansas car accident laws
give car accident victims up to three years to file a personal injury lawsuit. To stay on the safe side, we recommend doubling your coverage limits to 50/100/50 if you can afford it.
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Expert Insight

avatar
VP Insurance Operations, 18+ Years Experience in Insurance
A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.

Cheap full coverage car insurance quotes in Perryville

Full-coverage car insurance
isn’t a single product, but a blanket term that changes from state to state. In Arkansas, full-coverage auto insurance includes:
  • At least the minimum liability coverage required in Arkansas;
  • Collision coverage
    , which pays for any damages caused by an impact with another vehicle or a stationary object;
  • And
    comprehensive coverage
    , which pays for any damages caused by hail, flooding, theft, or vandalism.
If you’re leasing or financing your vehicle, your agreement probably requires you to carry full coverage insurance. 
To be extra safe, consider purchasing extra coverage options like roadside assistance (which can lend a hand if you run out of gas or lock your keys inside your car) and
Uninsured Motorist Coverage (UM)/Underinsured Motorist Coverage (UIM)
. UM/UIM pays for damages caused by an at-fault driver who isn’t carrying insurance (i.e. they’re uninsured), or whose coverage doesn’t quite cover your bills (i.e. they’re underinsured).
Naturally, a full-coverage auto insurance policy costs more, but Jerry helped customers in Perryville find quotes with coverage that worked for them.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 25,000/50,000 Liability
• Comp / Collision
Progressive
$71
Alejandro, 30
Zip: 72126
Jeep Compass Latitude
• 25,000/50,000 Liability
• Comp / Collision
Travelers
$110
Frederick, 32
Zip: 72126
GMC Envoy Denali
coverageLast Updated Jul 19, 2024
You might also consider picking up full coverage if you take a car out of storage, or your kid comes back from school. Using a
trusted car insurance app
lets you switch your policy’s coverage level on the go.
Lower my car insurance too!

Average cost of car insurance in Perryville

Jerry’s data indicates that Perryville drivers pay an average of $98 per month ($1,176 per year) for minimum liability coverage policy. For a full coverage policy, the average cost of insurance jumps to $150 per month or $1,800 per year. 
However, you’re unlikely to find quotes that match these numbers exactly. Depending on your age, driving record, credit, and other factors used to
calculate your car insurance premiums
, your premiums could differ by hundreds of dollars per year.

Car insurance quotes in Perryville by rating factors 

While car insurance companies use different formulas to calculate insurance premiums, most of them will consider: 
  • Your age: Young drivers and senior drivers get into more accidents than people between the ages of 25 and 75, so they pay higher insurance rates.
  • Your driving record: Racking up traffic tickets, accidents, and moving violations on your driving record will also add dollars to your insurance bills.
  • Your mileage: Insurance companies often charge high-mileage drivers higher premiums.
  • Your zip code: A ZIP code with a high accident rate, crime rate, or level of congestion will suffer proportionally high insurance rates.
  • Your parking spot: Parking your car in a private lane or a locked garage will give you lower rates than a parking spot on a public street.
  • Your vehicle: Any car with above-average parts and repair costs also costs more to insure.

How do different factors impact your car insurance costs in Perryville?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Arkansas currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Perryville:

Cheap car insurance quotes in Perryville after driving violations

Unfortunately, the more marks on your
Arkansas driving record
, the higher your car insurance premiums are likely to be. Your rates will jump if you commit any of the following:
  • An at-fault accident
  • A DUI (Driving Under the Influence)
  • Driving on a suspended license
  • Reckless driving
  • Speeding
Repeated smaller offenses—or a serious offense like a DUI or reckless driving charge—may lead insurance companies to classify you as a
high-risk driver
. While high-risk drivers usually have a tough time finding low rates, Jerry can help you find the best price in a bad situation.

Cheapest insurance in Perryville, Arkansas after a speeding ticket

Your rates will climb if you receive an
Arkansas speeding ticket
or a
reckless driving conviction
, making it worthwhile to shop around for car insurance. Some companies specialize in helping high-risk drivers. 
Here are a few that Jerry helped customers in Perryville to find:
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
AAA
$75
Elizabeth, 31
Zip: 72126
Mazda 3
• 50,000/100,000 Liability
• Comp / Collision
Speeding 6-10
Nationwide
$66
Mina, 31
Zip: 72126
Mercedes-Benz GLE
• 100,000/300,000 Liability
coverageLast Updated Jul 23, 2024

Cheapest car insurance in Perryville after DUI

Any driver caught driving with a blood-alcohol level of 0.08% or more is guilty of a
DUI in Arkansas
. Not only will a conviction appear on your driving record, but it’ll also increase your car insurance rates for at least five years. 
You can find savings by comparing car insurance quotes, and then shopping around every six months. Jerry makes both steps easy with automatic quote comparison tools and shopping reminders.
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Steven (35 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationPerryville, AR
(Zip Code: 72126)
$54
per month
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Isabella (39 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationPerryville, AR
(Zip Code: 72126)
$57
per month

Cheapest car insurance in Perryville after an at-fault accident

An at-fault accident in Arkansas comes with high insurance rates and a lot of paperwork. Jerry can help you easily find and sign up with a new insurance company, plus keep track of your proof of insurance and other important documents in a digital glovebox.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$92
Barbara, 32
Zip: 72126
GMC Envoy Denali
• 25,000/50,000 Liability
• Comp / Collision
Not At Fault
Progressive
$110
John, 38
Zip: 72126
Jeep Renegade Latitude
• 25,000/50,000 Liability
• Comp / Collision
At Fault With No Injury
Travelers
$110
Brett, 32
Zip: 72126
GMC Envoy Denali
• 25,000/50,000 Liability
• Comp / Collision
coverageLast Updated Jul 23, 2024

Cheapest car insurance in Perryville after other driving violations

There are hundreds of traffic citations that can inflate your insurance rates, but the answer is the same in every situation: comparing car insurance quotes helps you find the best price.
Jerry helped these Perryville customers narrow down hundreds of results to the best five to seven deals in their area:
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Allstate
$80
Lelia, 34
Zip: 72126
Jeep Wrangler
• 100,000/300,000 Liability
• Comp / Collision
Defective Equipment
Progressive
$55
Stephen, 39
Zip: 72126
Hyundai Sonata
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 22, 2024

Cheap car insurance quotes in Perryville by age

Drivers across the country enjoy their lowest car insurance rates between the ages of 25 to 75. That’s because young drivers tend to get into more accidents than the general population, while senior drivers suffer more injuries.
Drivers young and old will benefit from looking for a car insurance company with discounts and benefits tailored to their age.

Cheapest car insurance in Perryville for young drivers

It’s hard to find
cheap car insurance for teen drivers
for three reasons:
  1. Teens between the ages of 16 to 19 are the most likely age group to be involved in an accident
  2. They don’t have much driving experience
  3. They don’t have an insurance or credit history that shows their provider that they’ll pay their bills
Despite these setbacks, some insurance companies are more than willing to provide new drivers with savings programs and telematics-based safe driving rewards. Jerry can help you compare quotes and savings programs at the same time without the need for a phone call.
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Lois (22 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationPerryville, AR
(Zip Code: 72126)
$61
per month
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Leroy (21 years old)
coverageCoverage
State Minimum
locationPerryville, AR
(Zip Code: 72126)
$57
per month

Cheapest car insurance in Perryville for senior drivers

While some providers are leery of older drivers’ heightened risk of accidents and injuries,
the best car insurance companies for seniors
recognize the value of a lifetime of driving experience. You can compare quotes on the app or call Jerry’s expert customer service team to help you find an affordable auto insurance plan like the ones below.
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Cora (72 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPerryville, AR
(Zip Code: 72126)
$75
per month
card cover
Alma (73 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationPerryville, AR
(Zip Code: 72126)
$73
per month

Cheap car insurance quotes in Perryville based on insurance history

A
car insurance lapse
makes providers nervous because it could indicate that you drove uninsured for a while or that you didn’t pay your previous provider. Unfortunately, whatever your reason for going uninsured, you’re likely to be quoted higher-than-average rates for your next policy.
With Jerry, signing up for a new plan is as easy as tapping a button, and automatic renewal and payment reminders ensure you’ll never go uninsured again.
card cover
Bernice (30 years old)
Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
locationPerryville, AR
(Zip Code: 72126)
carJeep Compass Latitude
$71
per month
card cover
Henrietta (32 years old)
Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
locationPerryville, AR
(Zip Code: 72126)
carGMC Envoy Denali
$110
per month
card cover
Sarah (30 years old)
Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
locationPerryville, AR
(Zip Code: 72126)
carJeep Compass Latitude
$71
per month
card cover
Brett (32 years old)
Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
locationPerryville, AR
(Zip Code: 72126)
carGMC Envoy Denali
$110
per month
card cover
Andrew (30 years old)
Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
locationPerryville, AR
(Zip Code: 72126)
carJeep Compass Latitude
$71
per month

How to lower car insurance costs in Perryville

1. Shop around and compare quotes

Every driver and car insurance company in America is unique. To find the perfect fit for your age, driving record, and credit score, you need to compare quotes from multiple auto insurance companies.
The Jerry app helps you find the best five to seven deals in Perryville by automatically comparing quotes from over 55 insurance partners. With a licensed broker and a team of expert insurance agents on your side, it’s easy to pick a policy without feeling like you’ve missed any savings.

 2. Hunt for car insurance discounts

Car insurance discounts
can help you lower your premiums without sacrificing coverage. The best way to find them is to call your provider and ask if they offer any programs like:
  • Bundling: Homeowners who pair
    car and home insurance
    products from the same company are usually eligible for a discount.
  • Good driver: Policyholders who keep their driving records clean and their insurance history claims-free can save 10-30% on their monthly bills.
  • Good student: Students who maintain a B average or higher can save money in exchange for studying.
  • Telematics: Drivers who enroll in a program that tracks and scores their driving habits may qualify for lower auto insurance rates—or even a signup bonus!

3. Increase your deductible for comprehensive and collision coverage

Increasing the amount of money you’ll pay out-of-pocket after an accident is one way to lower your annual premiums without lowering your insurance coverage. Just be careful to
choose a car insurance deductible
that your finances can support.

FAQ

How much is car insurance in Perryville?

The average cost of car insurance in Perryville is $98 per month for minimum liability insurance, and $150 per month for full coverage. That’s about $1,176-$1,800 per year.
Since drivers differ so much in age and habits, the average rarely provides an accurate picture. Asking for personalized quotes and using a free quote comparison tool like Jerry can help you save hundreds of dollars per year.

What is the cheapest car insurance in Perryville?

The cheapest car insurance in Perryville is with the provider that offers the best rates for your age, driving history, credit score, and other personal factors. The only way to find the perfect fit is to compare as many personalized quotes as you possibly can. With an automatic quote-comparison tool and over 55 top insurance partners, Jerry makes it easy to comparison shop for car insurance.

What is the best car insurance in Perryville? 

The cheapest car insurance you can find depends on your driver profile, but when it comes to customer service, Perryville drivers prefer
Nationwide
,
Safeco
, and Safe Auto. The three companies scored highly on customer satisfaction in Jerry’s nationwide survey.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
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Sarah Gray
badge icon
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.