Otter Auto Insurance Rates, Quotes, Agents & Reviews in AR

Otter, AR Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Otter, AR, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that Determine the Car Insurance Rates in Otter, AR

Auto insurance quotes aren’t just about price. Car insurance providers deeply analyze the driving pattern of the car owner before deciding the auto insurance rates. The average cost of car insurance in Otter, AR, is $1,546. The amount is a bit higher when compared to neighboring cities like Hurricane and Alexander. Zimlon, through its deep analysis, has discovered a few alternatives which can help you get a discount on Otter insurance, AR. 

Further information on discounts offered by car insurance providers is given below in detail. 

a. Multi-Car Discounts

Car drivers in Otter can avail of bumper discounts by insuring multiple cars from the same insurance provider. The policyholder can save a few dollars here by insuring more than one vehicle with the same provider.  

In Otter, car owners opting for two-vehicle or three-vehicle multi-car insurance have to spend $2,628 and $3,942, respectively, on otter auto insurance. Here they can save up to $464 to $696 on two and three-vehicle policies. 

Refer to the chart below to understand the auto insurance cost based on the number of cars.


b. Anti-Theft Discounts

Drivers who have anti-theft features in their car can avail this discount. Insurance providers offer discounts because it reduces the risk of vehicle theft. Hence, insurance providers offer a lower premium for a vehicle with anti-theft features such as an audible alarm, tracking, or passive disabling device. 

In Otter, AR, cars with audible alarms and active disabling devices pay $1,484 and $1,484 on Otter insurance. In contrast, cars with tracking devices and passive disabling devices pay $1,453 and $1,438, respectively, for car insurance in Otter, AR. 

c. Good Driving Discounts

Good drivers can reduce their car insurance rates in Otter. Licensed drivers with no at-fault accidents or traffic offenses are eligible for this discount. The car insurance rates tend to go up for drivers who broke the traffic rules and regulations and have tickets displaying driving violations.

For instance, driving with an expired registration can increase the cost of insurance by $159. In contrast, a driver with a ticket for running a red light or driving with an expired license has to spend $1,906 and $2,588, respectively, on car insurance rates in Otter, AR.

Factors that can influence the cost of car insurance in Otter, AR are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Otter, AR Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Otter, AR with that of other cities in and around Otter.

Otter Shannon Hills Hurricane Owen Alexander Bryant
Average Insurance Rates $1,546 $1,562 $1,509 $1,627 $1,498 $1,601

Otter, AR Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Otter, AR based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Otter $1,592 $1,345
Shannon Hills $1,489 $1,258
Alexander $1,576 $1,331
Hurricane $1,918 $1,620
Landmark $1,472 $1,243
East End $1,949 $1,646
Bryant $1,072 $906
Owen $1,122 $947

Otter, AR Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Otter, AR usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,017
20 Years $1,986
30 Years $1,530
40 Years $1,472
50 Years $1,363
60 Years $1,382
70 Years $1,609

Otter, AR Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Otter, AR can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,628 $464
3 Vehicles $3,942 $696
4 Vehicles $5,256 $928

Savings on 2 Vehicles bundle:$464

Savings on 3 Vehicles bundle:$696

Savings on 4 Vehicles bundle:$928

Otter, AR Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Otter, AR.

Location Average Insurance Cost Post DUI Insurance Rate
Otter $1,546 $2,567
Shannon Hills $1,562 $2,593
Alexander $1,498 $2,487
Hurricane $1,509 $2,505
Landmark $1,521 $2,525
East End $1,540 $2,557
Bryant $1,601 $2,658
Owen $1,627 $2,701

Otter, AR Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,326
Excellent (740-799) $1,514
Good (670-739) $1,611
Average (580-669) $2,102
Poor (300-579) $2,522

Otter, AR Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Dennia Beard State Farm 1408 Military Rd, Benton, 72015-2913 501-778-6066
Whitney Owens State Farm 7700 Baseline Rd Ste 1000, Little Rock, 72209-4469 501-568-5516
Keith Brooks State Farm 413 Hwy 5 N, Benton, 72019-9778 501-778-7243
Alvin Smith State Farm 1 Stagecoach Vlg Ste 7, Little Rock, 72210-4751 501-455-4555
Steven Phillips Farmers 10515 W Markham St Ste J3, Little Rock, 72205 (501) 565-0992
Lonnie Cagle Allstate 10912 Col Glenn Rd Ste 4500, Little Rock, 72204 (501) 224-2224
Tommy Hagan State Farm 8120 Flintridge Road, Little Rock, 72210-4026 501-562-8994
Joe Justus Insurance Agency Llc Travelers 1501 N UNIVERSITY AVE STE 209, LITTLE ROCK, 72207 501-227-4050
Gann Agency Inc Travelers 2615 N PRICKETT DR STE 2, BRYANT, 72022 501-653-0039
Don Fitz State Farm 9712 Interstate 30 Ste 1, Little Rock, 72209-3300 501-568-3222

Otter, AR Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$68 $1,614
Driver's Failure In Showing Documents +$150 $1,696
Driving With An Expired Registration +$159 $1,705
Driving At A Considerably Slow Pace +$335 $1,881
Using A Cellphone While Driving +$354 $1,900
Running A Red Light +$360 $1,906
Speeding +$379 $1,925
Driving A Vehicle Without The Required Permission +$481 $2,027
Driving With An Expired/Suspended License +$1,042 $2,588

Otter, AR Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,484
Active Disabling Device $1,484
Tracking Device $1,453
Passive Disabling Device $1,438