Jonesboro Car Insurance

Find the right car insurance policy for you. Author Icon Written by Trusted Choice Author Icon
Written by Trusted Choice

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Jonesboro, Arkansas, is a college town, home to Arkansas State University. It is also a hub for manufacturing, agriculture, medicine, education and trade. With Jonesboro at the center of the region’s economy, traffic can back up, and the roads can get dangerous. Every Jonesboro driver should be protected with quality, affordable car insurance to make sure they can recover financially if something goes wrong. 

Independent insurance agents can assess the unique risks you face as an Arkansas driver. These local agents will work hard to find you a Jonesboro auto insurance policy that meets your family’s needs and budget. Click on this independent agent matching system to find the best insurance plan in your area. Provide a few details about what you’re looking for, and get recommendations for the best agents for you. Any information you provide will be sent only to the agents you pick.

How Much Does Jonesboro Car Insurance Cost?

Car insurance is a necessity for Jonesboro drivers. But don’t settle for a one-size-fits-all approach. Your car insurance costs are based on your unique characteristics, such as your ZIP code, the make and model of your car, and the distance you drive to work or school every day. By evaluating multiple policy options, you can be sure you are picking the right mix of coverage for your needs, without breaking the bank.

Don’t overpay for your Jonesboro auto insurance. Talk with an independent agent today about the cost and the coverage options that are available to you. After weighing out your options, the average cost of Jonesboro car Insurance is $208 per month.

What Does Jonesboro Car Insurance Actually Do for Me?

Car insurance protects you from financial devastation after a car accident. Your policy includes liability insurance, which pays for car repairs and medical bills for other drivers if you cause an accident. It is required for all drivers in Arkansas. But the minimum coverage required by the state may not be enough after a serious crash.

Here are just a few of the ways a Jonesboro car insurance policy can help you pay for a mishap with your car.

  • Fix your car:  (Not required) This is called comprehensive & collision coverage.
  • Fix someone else's car: (Required minimum is $25,000) This is called property damage liability.
  • Pay your medical bills: (Required minimum is $5,000) This is called personal injury protection or PIP.
  • Pay someone else's medical bills: (Required minimums $25,000 per person/$50,000 per accident) This is called bodily injury liability.

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Who Pays If the Accident Wasn't My Fault?

The driver who caused the accident, of course. But sometimes, people drive without insurance. 18.4% of Arkansas drivers are uninsured, which is higher than the national average of 13%. This makes it even more important to get uninsured motorist coverage. 

Drivers without insurance have no financial backup plan for accidents, so other drivers become financially responsible for an uninsured driver’s mistakes. That's why you should purchase uninsured motorist coverage. It pays for things like medical bills and vehicle damage if an uninsured driver hits you.

In some states, uninsured motorist insurance is required for all drivers. Arkansas has the 9th highest percentage of uninsured motorists in the U.S., but Arkansas drivers are not required to have uninsured motorist coverage. It’s a good idea to know the factors that influence your own car insurance costs. Insurance companies look at your personal risk factors, such as:

  • Your age
  • Your gender
  • Your ZIP code
  • Your history of accidents and claims
  • The kind of car you drive
  • The number of cars and drivers in your household

The type of car you drive plays a huge role in what you pay for car insurance, because insurance companies are concerned with the costs of repairing and replacing your vehicle if it is stolen, damaged or totaled. New cars cost more to insure than older models. Luxury vehicles cost more to insure than modestly priced vehicles. Hybrids cost more to insure than similar gas-powered cars. And cars with powerful engines cost more to insure than those that won’t tempt you to drive too fast. If you're concerned about the cost of your Jonesboro auto insurance policy, choose your car carefully. An independent agent can help you with quotes and information so you can make an informed decision.

Here Are Some City Factors That Will Affect Your Rate

Commute Time 

It’s simple: The more time you spend on the road, the more likely it is that you'll be in an accident.

Jonesboro drivers spend less time on the road than most, which can help keep insurance rates relatively low.

  • National average: 25.4 minutes
  • Jonesboro average: 15.8 minutes

Theft in Your City 

Auto theft is relatively rare in Jonesboro compared to the US overall. This is good news for Jonesboro drivers. But remember that cars can be stolen anywhere. No matter where you live, be sure to use common sense deterrents to protect your car from theft.

  • Auto theft rate in the US (per 1,000 vehicles): 2.28
  • Auto theft rate in Arkansas (per 1,000 vehicles): 2.36
  • Auto theft rate in Jonesboro (per 1,000 vehicles): 1.23

If you have a Jonesboro auto insurance policy, you can be sure that if your car is stolen, you will receive timely assistance and reimbursement for your stolen or damaged property.

How to Find Affordable Auto Insurance in Jonesboro

Trusted Choice independent insurance agents can get quotes from numerous insurance carriers, so you have a variety of options. These agents will assess your risks and answer your questions so they can find the coverage that best fits your needs and budget. Quality, affordable coverage for Jonesboro residents is just a few clicks away.

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