Car Insurance in Rogers, Arkansas
Estimated full coverage in Rogers runs about $1,525 a year ($127/month) — ▲ +8% versus the Arkansas average, ranking 3rd most expensive of the 8 Arkansas cities we cover.
Why car insurance in Rogers costs more than the Arkansas average
Insurers price by territory, and Rogers's numbers explain most of the gap. With 75,639 residents on 38.9 square miles, the city's density (1,945 people per square mile) is 8.7 times the density where the typical Arkansas resident lives (225). The average commute is 18.2 minutes (Arkansas: 22.5), and 77% of workers drive alone. Together these put our location factor at 1.08× the state baseline for liability and collision, and 1.07× for comprehensive once FEMA weather risk for Benton County is included.
| Factor | Rogers | Arkansas ref. | Why it matters |
|---|---|---|---|
| Population density | 1,945 / sq mi | 225 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 18.2 min | 22.5 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 2.4% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 76.9% | — | Share of workers commuting by car. |
| Public transit to work | 0.0% | — | Transit use lowers how much residents drive. |
| Work from home | 13.7% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 3.3% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 79.6 | 82.4 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Rogers
Rates can change from one ZIP code to the next. Across 2 Rogers ZIP codes, our full-coverage estimate ranges from $1,415 in 72756 to $1,505 in 72758. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 72758 | 48,233 | 1,540 | 18.2 min | 1.9% | $1,505 | −1% |
| 72756 | 41,791 | 322 | 20.4 min | 5.0% | $1,415 | −7% |
Minimum car insurance in Rogers
Rogers drivers follow Arkansas's rules: at least 25/50/25 liability coverage. Arkansas is at-fault (tort). We estimate state-minimum coverage in Rogers at $485 a year, and $705 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | 5,000 medical Policies must include personal injury protection (at least $5,000 medical plus wage-loss and death benefits) unless the named insured rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured motorist coverage is included in the policy unless the named insured signs a rejection. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage must be offered and may be rejected in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are addressed through the PIP benefits described above. | Medical bills for you and your passengers |
Risk factors that shape Rogers premiums
Accidents
Arkansas recorded 603 traffic deaths, or 1.53 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Arkansas's vehicle theft rate is 141 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Benton County as relatively moderate for hail, relatively moderate for inland flooding and relatively high for strong wind, and very low for hurricanes.
Traffic & commuting
2.4% of Rogers commuters spend an hour or more getting to work, and there are 2.00 vehicles per household. 13.7% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 82.4 | Comprehensive (car); roof claims (home) | |
| Tornado | 79.6 | Comprehensive; dwelling | |
| Hurricane | 52.4 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 90.4 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 93.3 | Comprehensive; dwelling | |
| Winter weather | 96.2 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Rogers by driver profile
A clean-record driver in their 50s pays the least in our Rogers model (about $1,400 for full coverage); an 18-year-old on their own policy pays about $4,185, and a DUI pushes a 30-something to $2,815.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,335 | $1,935 | $4,185 | $349 |
| Young adult (22) | $775 | $1,125 | $2,435 | $203 |
| Adult in their 30s | $485 | $705 | $1,525 | $127 |
| Adult in their 50s | $445 | $650 | $1,400 | $117 |
| Senior (72) | $545 | $790 | $1,705 | $142 |
| 30s, one at-fault accident | $705 | $1,020 | $2,210 | $184 |
| 30s, DUI on record | $900 | $1,305 | $2,815 | $235 |
Minimum vs. standard vs. full coverage in Rogers
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $485 | $40 | $400–$575 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $705 | $59 | $575–$830 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,525 | $127 | $1,250–$1,795 |
Estimate your premium in Rogers
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Cheap car insurance in Rogers: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Rogers's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $115 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $110 | You're among the 13.7% of Rogers workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $450 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $820 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $335 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Rogers
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 26 offices listed below.
- Check complaint records with the Arkansas Insurance Department (complaint information) before you buy.
- Mention your ZIP code accurately — within Rogers, our estimates differ by up to $90 a year between neighborhoods.
Car insurance agents near Rogers, AR
We found 26 insurance offices within about 5 miles of central Rogers, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Ruben Perez - Farmers Insurance
3108 W New Hope Rd, Rogers, AR 72758 -
American National Insurance Company
2890 West Walnut Street, Rogers, AR 72756 -
Allstate - The Hart Agency
11 Halsted Circle, Suite A, Rogers, AR 72756 -
Shelter Insurance - Tony Putnam
105 North 34th Street, Rogers, AR 72756 -
State Farm Insurance - Bryan Lewis
AR -
Douglas G Snyder - Farmers Insurance
197 N 34th St, Rogers, AR 72756 -
Nationwide Insurance - Gene E Long
212 North 34th Street, Rogers, AR 72756 -
Randy Gene Godsey - Farmers Insurance
1804 W Olive St, Rogers, AR 72756 -
Corey Davidson - Allstate
1803 W Olive St, Rogers, AR 72756 -
Rogers Insurance Agency
AR -
Rena Gilliam - Allstate
5206 W Village Pkwy, Ste 12, Rogers, AR 72758 -
Strael Wolfe - Farmers Insurance
2522 S Pinnacle Hls Pkwy, Rogers, AR 72758 -
Trent Wormwood - Farmers Insurance
2522 S Pinnacle Hills Pkwy, Rogers, AR 72758 -
State Farm
421 West Walnut Street, Rogers, AR 72756 -
Farmers Insurance-Rick McLeod
303 N 3rd St, Rogers, AR 72756 -
Farmers Insurance Group
AR -
Josiah Dodson - GEICO
1706 SE Walton Blvd, Suite 6, Bentonville, AR 72712 -
Clarissa D Ogden - Farmers Insurance
1401 SE Walton Blvd, Bentonville, AR 72712 -
Shelley Marie Parson - Farmers Insurance
2001 SE J St, Bentonville, AR 72712 -
Allan Davis - State Farm
1003 SE 14th Street, Suite 23, Bentonville, AR 72712 -
Daniel Cheek - Allstate
304 SW 16th St, Ste 12, Bentonville, AR 72712 -
Farmers Insurance - Ivan Hristoskov
225 North Bloomington Street, #F, Lowell, AR 72745 -
William O Bradley - Farmers Insurance
1120 S Walton Blvd, Bentonville, AR 72712 -
Dominic DiPiazza - Farmers Insurance
1000 Mcclain Rd, Bentonville, AR 72712 -
Jeff Cook - Allstate
108 Crossover Ave, Ste E1, Lowell, AR 72745 -
State Farm
200 South Bloomington Street, Lowell, AR 72745
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Rogers
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,135 | −26% |
| Subaru Outback | Wagon | $1,140 | −25% |
| Tesla Model 3 | Midsize car | $1,610 | +6% |
| Subaru Forester | Small SUV | $1,120 | −27% |
| Honda Civic | Compact car | $1,720 | +13% |
| Toyota Corolla | Compact car | $1,600 | +5% |
| Jeep Wrangler | Midsize SUV | $1,210 | −21% |
| Mazda CX-5 | Small SUV | $1,275 | −16% |
| MINI Cooper | Subcompact car | $1,145 | −25% |
| Tesla Model Y | Midsize SUV | $1,450 | −5% |
Car insurance in nearby Arkansas cities
- Springdale $1,535/yr · 9 mi
- Fayetteville $1,525/yr · 17 mi
- Fort Smith $1,470/yr · 68 mi
- Conway $1,565/yr · 128 mi
- Little Rock $1,525/yr · 149 mi
- North Little Rock $1,515/yr · 151 mi
- Jonesboro $1,465/yr · 197 mi
All Arkansas cities and state rules · Homeowners insurance in Rogers
Frequently asked questions
How much is car insurance in Rogers, AR?
We estimate full coverage in Rogers at about $1,525 a year ($127 a month) for a driver in their 30s with a clean record, and about $485 for Arkansas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Rogers more expensive than the Arkansas average?
Our Rogers estimate is 8% higher than the statewide figure. The model reflects a population density of 1,945 people per square mile (the typical Arkansas resident lives at about 225) and an average commute of 18.2 minutes versus 22.5 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Rogers?
Drivers in Rogers follow Arkansas law: at least 25/50/25 liability coverage.
Which ZIP code in Rogers has the cheapest car insurance?
Among Rogers's 2 ZIP codes, 72756 has the lowest estimate (about $1,415 a year for full coverage) and 72758 the highest (about $1,505), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Rogers?
An 18-year-old with their own full-coverage policy would pay around $4,185 a year in Rogers by our estimate ($1,335 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Rogers?
FEMA's National Risk Index does not rate Benton County as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Rogers?
We list 26 insurance offices in and around Rogers, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Arkansas DFA Office of Driver Services: Safety Responsibility (25/50/25 proof)
- Arkansas Code 23-89-202 (required first-party PIP coverage)
- Arkansas Code 23-89-403 (uninsured motorist coverage)
- Arkansas Insurance Department: Automobile Insurance brochure
- Arkansas Insurance Department: File A Complaint
- Arkansas Code 23-89-209 (underinsured motorist coverage)
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Rogers and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places