According to data from the National Highway Traffic Safety Administration, Arkansas drivers saw a 2.9% decrease in motor vehicle fatalities between 2018 and 2019. Dardanelle drivers are happy to hear this, since better driving habits often translate into lower rates for car insurance. Bankrate discovered that Dardanelle’s average car insurance cost is $424 annually for minimal coverage, and $1830 annually for complete coverage.
While rates for minimum coverage are lower than Arkansas average rates and the national average, they are much higher for full coverage. To find Dardanelle drivers the most affordable and best car insurance rates, we compared rates from several insurance companies in Arkansas.
Dardanelle’s best car insurance company
We compared quotes from the top Dardanelle insurance companies to find the most competitive rates. We considered coverages, discounts and financial strength. Customer satisfaction was also a major factor. Third-party rankings were also taken into consideration. Based on our findings, these companies were ranked highest and are the best in Dardanelle.
| Insurance Company | J.D. J.D. | Average Annual Premium for Minimum Insurance | Average annual premium for full coverage |
|---|---|---|---|
| Alfa | 858 / 1000 | $358 | $1,872 |
| Auto-Owners | 868 / 1000 | $438 | $1,826 |
| GEICO | 855 / 1000 | $342 | $2,266 |
| Shelter | 855 / 1000 | $462 | $1,740 |
| State Farm | 849 / 1000 | $360 | $1,283 |
Alfa
Alfa Insurance can be found in only 11 states. However, it is in the top 10 in and tenth in market share in Arkansas. It insures 2.3% of state’s drivers. Although it offers basic coverage in Dardanelle and discounts for teens, this insurance company is the best in Arkansas. Alfa’s financial strength is exceptional and it can pay claims quickly. It also has a higher than average customer satisfaction index at 0.41 with the National Association of Insurance Commissioners (NAIC), which is lower than the industry average of 1.
Alfa, a smaller insurance company, didn’t get a ranking in 2020 J.D. Power U.S. Insurance Shopping, and Auto Claims Satisfaction Studies. Although it didn’t rank in the Central region, Alfa was fourth among larger insurers in the Auto Insurance satisfaction Study for the Southeast region.
Auto-Owners
Auto-Owners Insurance offers many discounts to lower rates. You can also opt for Personal Automobile Plus, which offers 10 additional coverages like identity theft protection or cell phone replacement.
It received high customer satisfaction ratings in the Central region of the Auto Insurance Satisfaction Study, scoring 868 points out of 1,000. It is also ranked higher than average for mid-size insurance companies in the Insurance Shopping Study, with 869 points. Auto-Owners gets 890 points, which is above the average score for Auto Claims Satisfaction. Auto-Owners is a good choice in Dardanelle because of its financial strength and the fact that there are not many complaints to register on NAIC complaint list.
Geico
Geico Arkansas’ sixth-largest insurer has the lowest rates for minimum coverage. Geico offers residents of Dardanelle a range of discounts and different product types, making it attractive for their full coverage needs. The company is second in the Central region behind Auto-Owners with 855 points out 1000 from J.D. Power.
Geico also has one of the highest financial strength ratings. This means that regardless of how large the claim is, Geico will be able to pay for any damages or losses. Geico’s claims satisfaction score is 1 point lower than the average in the 2020 Automobile Claims Satisfaction Study. Geico also has a .78 complaint index with NAIC. This indicates that customer service could be better.
Shelter
Shelter, the second-smallest insurer on our list is offered in 14 states. This shows that size doesn’t matter when it comes down to being the best car insurance company in Arkansas. Shelter offers all the major insurance products that you would expect from larger insurers, with affordable car insurance rates for Dardanelle residents.
Shelter is tied to GEICO in the Central region for customer service in Auto Insurance Satisfaction Study. It is ranked highly in financial strength and has a lower-than-average 0.23 complaints index. This demonstrates high customer satisfaction during claims processing. Shelter is also the fourth-largest Arkansas insurer, with 8.9% market share.
State Farm
State Farm has the lowest car insurance rates and offers Dardanelle drivers a lot of coverage at a reasonable rate. State Farm offers discounts to drivers who agree to let it monitor their driving habits. It also has a special program that helps young drivers instill good driving habits.
With 849 points, the Central region rates State Farm higher than average in the Auto Insurance Satisfaction Study. State Farm is rated average for purchasing experience, but it ranks above average in the Auto Claims Satisfaction Study (with 881 points). This is combined with J.D.’s positive scores and superior financial strength. State Farm offers drivers in Dardanelle the opportunity to have a positive claim experience and a strong financial foundation.
Dardanelle has the lowest car insurance
We compared the costs of the most well-known car insurance providers in Dardanelle (based on market share) to find the best deal.
Dardanelle’s average car insurance cost is $424 per annum, which is lower than Arkansas’ average of $470 and $565 respectively. Dardanelle rates for full coverage insurance are slightly lower than Arkansas’ average rate of $1914, with rates just $1,830. The national average, at $1.674 per annum for full coverage, is lower.
The chart below shows that USAA is the most affordable. It offers the lowest car insurance rates for full and minimum liability coverage. However, it is only available to military personnel and their families. Nationwide has the second-cheapest coverage rates and optional perks such as a vanishing or total loss deductible waiver. Farmers offers customized coverage for all non-standard parts of your vehicle, including an upgraded sound system and upgraded rims.
| Insurance Company | Average Annual Premium for Minimum Insurance | Average annual premium for full coverage |
|---|---|---|
| USAA | $280 | $1,073 |
| All over the country | $316 | $1,237 |
| Farmers | $318 | $1,285 |
| Progressive | $320 | $1,298 |
| Geico | $342 | $2,266 |
Dardanelle insurance requirements
Arkansas requires that you have sufficient insurance to meet the minimum liability requirements for Arkansas drivers to register a vehicle. You must have the following minimum liability coverage:
- $25,000 per person to treat bodily injuries
- $50,000 for bodily injury
- $25,000 for property damage caused by another person
These limits can be used to drive, but there are instances when higher limits may prove more advantageous. In cases where multiple injuries are involved or if the damage exceeds the minimum property damage limit, higher liability limits can be helpful. Full coverage Insurance may be required if you finance or lease your vehicle.
Dardanelle: Car insurance discounts
Take advantage of all discounts available to keep your Dardanelle car insurance rates down. You may be eligible for discounts that reduce your premium by a greater amount than others. These discounts can have a significant positive effect on your car insurance rates.
- Continuously insured: If you aren’t a new driver or have never owned a vehicle before, having insurance for at least six months can help you save money over not having any.
- Good driver discount: Avoiding tickets and staying claims-free is a great way of saving on your car insurance in Dardanelle, Arkansas.
- Safety features: A car equipped with safety features can reduce the risk of injury and save you money on your car insurance. Safety features include but aren’t limited to daytime running lights and multiple airbags throughout your car, traction control, anti-lock brakes, and multiple airbags.
- Discount based on usage: The average Dardanelle worker commutes just 16 minutes to work. Allowing an insurance company monitor how many miles you drive could lower the cost of your car insurance.
Questions frequently asked
Which Dardanelle car insurance company is best?
Each driver’s needs and preferences will determine the best Dardanelle car insurance companies. We considered customer satisfaction, availability, discounts, coverage, and affordability of the companies that we reviewed. Collect quotes and compare them to find the best car insurer for you.
What is the cost of Dardanelle car insurance?
An average Dardanelle driver will pay $424 annually for liability-only minimal coverage, and $1830 annually to get full coverage. Car insurance rates can be affected by your driving record, vehicle type, coverage requirements, and other factors. They could be higher or lower than the average cost in the area.
What amount of car insurance do you need in Dardanelle
Insurance experts recommend that Arkansas drivers have more than the minimum insurance required to better protect their finances in case of loss. Consider all options, including full coverage, if you own a high-value vehicle or must meet leasing or financing guidelines.
