Car insurance in West Memphis for an adult with a clean driving record and good insurance score costs $1,548 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in West Memphis by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in West Memphis.

Key Highlights
  • Car insurance in West Memphis is more expensive than car insurance in Arkansas for full coverage policies.
  • The average cost of a full-coverage car insurance policy in West Memphis is $1,548 per year or $129 per month.
  • In West Memphis, Geico offers the cheapest full coverage car insurance at $89 per month.

What is the average cost of car insurance in West Memphis, AR?

The average auto insurance rates in West Memphis, AR at various coverage levels are listed below:

  • State minimum: $414 per year
  • Liability-only coverage (50/100/50): $507 per year
  • Full coverage (100/300/100): $1,548 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
Geico$243$306$1,071
USAA$230$306$1,116
Travelers$466$607$1,302
Nationwide$531$610$1,311
State Farm$393$496$1,365
Farmers$394$487$1,377
Progressive$369$506$1,656
Auto Club Enterprises (AAA)$520$652$1,882
Auto-Owners$436$453$2,041
Allstate$560$647$2,363

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in West Memphis, AR?

Out of all the carriers available in West Memphis, Geico offers the cheapest full coverage car insurance at $89 per month.

The second-cheapest car insurance company in West Memphis is USAA, offering car insurance at $93 monthly.

Cheapest CompanyFull Coverage Monthly Rates
Geico$89
USAA$93
Travelers$109
Nationwide$109
State Farm$114
Farmers$115
Progressive$138
Auto Club Enterprises (AAA)$157
Auto-Owners$170
Allstate$197

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in West Memphis, AR?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Arkansas is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in West Memphis, AR

See the average annual premium for drivers with two speeding tickets on their records in West Memphis, AR in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
State Farm$124
Nationwide$131
USAA$138
Geico$140
Travelers$180
Farmers$191
Progressive$232
Allstate$255
Auto Club Enterprises$275
Auto-Owners$389

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in West Memphis, AR

See the average annual premium for a driver convicted of DUI in West Memphis, AR in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
Geico$99
State Farm$124
Farmers$167
Progressive$174
Travelers$178
USAA$184
Allstate$269
Auto Club Enterprises$280
Nationwide$359
Auto-Owners$389

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in West Memphis, AR

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in West Memphis, AR, by age

Age is a key factor when considering car insurance rates in most cities, including West Memphis – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$1,135
16Auto Club Enterprises (AAA)$1,524
16Auto-Owners$616
16Geico$446
16Farmers$817
16Nationwide$480
16Progressive$842
16State Farm$439
16Travelers$439
16USAA$493
17Allstate$922
17Auto Club Enterprises (AAA)$663
17Auto-Owners$576
17Geico$311
17Farmers$562
17Nationwide$470
17Progressive$906
17State Farm$387
17Travelers$354
17USAA$326
18Allstate$794
18Auto Club Enterprises (AAA)$601
18Auto-Owners$533
18Geico$263
18Farmers$491
18Nationwide$456
18Progressive$772
18State Farm$341
18Travelers$295
18USAA$271
19Allstate$502
19Auto Club Enterprises (AAA)$484
19Auto-Owners$391
19Geico$213
19Farmers$279
19Nationwide$390
19Progressive$381
19State Farm$299
19Travelers$243
19USAA$204
20Allstate$444
20Auto Club Enterprises (AAA)$408
20Auto-Owners$355
20Geico$190
20Farmers$257
20Nationwide$331
20Progressive$334
20State Farm$263
20Travelers$215
20USAA$189
21Allstate$349
21Auto Club Enterprises (AAA)$338
21Auto-Owners$314
21Geico$156
21Farmers$155
21Nationwide$198
21Progressive$257
21State Farm$224
21Travelers$190
21USAA$138
22Allstate$310
22Auto Club Enterprises (AAA)$301
22Auto-Owners$284
22Geico$128
22Farmers$147
22Nationwide$184
22Progressive$226
22State Farm$202
22Travelers$170
22USAA$131
23Allstate$275
23Auto Club Enterprises (AAA)$267
23Auto-Owners$256
23Geico$121
23Farmers$136
23Nationwide$172
23Progressive$204
23State Farm$179
23Travelers$155
23USAA$124
24Allstate$249
24Auto Club Enterprises (AAA)$232
24Auto-Owners$241
24Geico$114
24Farmers$132
24Nationwide$162
24Progressive$187
24State Farm$164
24Travelers$144
24USAA$119
25Allstate$224
25Auto Club Enterprises (AAA)$200
25Auto-Owners$236
25Geico$104
25Farmers$134
25Nationwide$134
25Progressive$169
25State Farm$145
25Travelers$126
25USAA$115
30Allstate$197
30Auto Club Enterprises (AAA)$160
30Auto-Owners$174
30Geico$94
30Farmers$125
30Nationwide$116
30Progressive$153
30State Farm$117
30Travelers$122
30USAA$101
35Allstate$197
35Auto Club Enterprises (AAA)$158
35Auto-Owners$171
35Geico$91
35Farmers$119
35Nationwide$113
35Progressive$146
35State Farm$114
35Travelers$119
35USAA$96
40Allstate$197
40Auto Club Enterprises (AAA)$157
40Auto-Owners$170
40Geico$89
40Farmers$115
40Nationwide$109
40Progressive$138
40State Farm$114
40Travelers$109
40USAA$93
45Allstate$197
45Auto Club Enterprises (AAA)$155
45Auto-Owners$167
45Geico$88
45Farmers$108
45Nationwide$106
45Progressive$136
45State Farm$113
45Travelers$108
45USAA$90
50Allstate$196
50Auto Club Enterprises (AAA)$150
50Auto-Owners$161
50Geico$84
50Farmers$103
50Nationwide$102
50Progressive$125
50State Farm$111
50Travelers$107
50USAA$87
55Allstate$191
55Auto Club Enterprises (AAA)$141
55Auto-Owners$158
55Geico$81
55Farmers$99
55Nationwide$97
55Progressive$119
55State Farm$107
55Travelers$98
55USAA$85
60Allstate$186
60Auto Club Enterprises (AAA)$141
60Auto-Owners$153
60Geico$80
60Farmers$99
60Nationwide$95
60Progressive$120
60State Farm$104
60Travelers$99
60USAA$85
65Allstate$198
65Auto Club Enterprises (AAA)$143
65Auto-Owners$156
65Geico$78
65Farmers$105
65Nationwide$99
65Progressive$127
65State Farm$103
65Travelers$104
65USAA$86
70Allstate$198
70Auto Club Enterprises (AAA)$150
70Auto-Owners$167
70Geico$82
70Farmers$117
70Nationwide$109
70Progressive$142
70State Farm$108
70Travelers$113
70USAA$93
75Allstate$225
75Auto Club Enterprises (AAA)$150
75Auto-Owners$178
75Geico$87
75Farmers$132
75Nationwide$124
75Progressive$180
75State Farm$117
75Travelers$127
75USAA$106

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in West Memphis, AR, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
Geico$125
USAA$178
Nationwide$180
Farmers$190
Travelers$205
Progressive$251
Auto Club Enterprises (AAA)$279
Allstate$315
Auto-Owners$552
State Farm$599

Final thoughts: Car insurance cost in West Memphis, AR

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in West Memphis, AR. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in West Memphis, Arkansas.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

Ask the Insurance Expert

John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

Ask the Insurance Expert

Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

Ask the Insurance Expert

Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

Please Enter Valid Question. Min 50 to max 250 characters are allowed. Only (& ? , .) charcters are allowed.
Please Enter Valid Email.
Error: Security check failed
Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered. Due to technical error, please try again later.
Get instant quotes now !
Please enter valid zip
author image
Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.