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Do you need auto insurance in Springdale? At, you can get the cheapest insurance rates in your area. To receive free car insurance quotes from the leading providers today, provide your zip code into the quote box on this page.

Springdale, also sometimes referred to as the “Chicken Capital of the World”, is the home of Tyson Foods Inc. If you haven’t heard of Tyson, then you must not shop at a grocery store very often; Tyson is the biggest and one of the most profitable meat producers in the entire world.

  • Fun fact: Did you know that Springdale is #1 on the list of “Top 101 cities with largest percentage of females working in industry: Vending machine operators (population 50,000+)”? Learn more about the city of Springdale.

Auto Insurance Coverage Requirements in Arkansas

You need at least the following insurance to drive legally in Arkansas:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 25,000/50,000
Property Damage Liability 25,000 25,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

If you think Liability coverage will be enough, give that decision a little extra thought. After all, Liability coverage only pays out claims if the incident was something you were deemed liable for. Which means that if someone hits you, or an act of nature damages your vehicle, you are 100% responsible for those costs. Your insurance company won’t pay a dime.

Some sources show an average monthly premium for Arkansas drivers right around $117 per month. However, there are motorists in Springdale right now who can qualify for rates as low as $38/mo*. Keep reading, and we’ll show you how.

Average Monthly Auto Insurance Premiums Legend: Springdale Farmers State Farm Liberty Mutual Nationwide Allstate 5 10 15 20 25 30 35 40 45 50 $36 $25 $32 $51 $45

The top 3 lowest rates in Springdale come from providers such as State Farm, Liberty Mutual, and Farmers. But does a lower rate automatically make them the best company? There are other factors to consider, such as customer service and the claims filing process, before you decide which company gets your business.

Auto insurance carriers contemplate several elements when calculating insurance quotes, including geography, driving history, where you live, the type of vehicle you own, and your level of education. Additionally, premiums differ from carrier to carrier. To make sure you’re still paying the most favorable rate, compare cheap Springdale auto insurance quotes online. Learn what insurance companies don’t want you to know about auto insurance in Arkansas.

Major Car Insurance Factors in Springdale

There are many ways that your car insurance rate can be estimated. But not all of it is out of your control; there are things you can do to be able to influence what discounts you are eligible to acquire. The following are some of these elements in greater detail:

  • Your Zip Code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Springdale is 75,229 and the median household income is $42,050.

Auto Insurance by Zip Code Legend: Little Rock Fayetteville Fort Smith Jonesboro Springdale Farmers State Farm Liberty Mutual Nationwide Allstate 5 10 15 20 25 30 35 40 45 50 55 60 65 $46 $39 $38 $42 $36 $36 $24 $27 $29 $25 $38 $32 $32 $32 $32 $65 $51 $53 $55 $51 $52 $45 $46 $49 $45


  • Automotive Accidents

Given the total population, fatal accident statistics for Springdale are much lower than similarly-sized cities in Arkansas. This means that parking your car in a Springdale zip code each night can get you lower monthly rates on automotive insurance.

Fatal Accidents in Springdale, AR Legend: Springdale Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 7 4 6 4 7 1


  • Auto Thefts in Springdale

Living in a large city (Especially one with a high crime rate) will increase your risk of being a victim of auto theft. If your general location has high rates of theft and claims, you can expect to pay more for auto insurance to offset these costs. The total number of stolen vehicles in Springdale was 208 back in 2007, which reflects the most recent statistical data available. But if you’re still worried about auto thefts, talk to your insurance agent about adding Comprehensive coverage to your policy. It’s the only form of coverage which protects you in the event of vehicle theft.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Farmers State Farm Liberty Mutual Nationwide Allstate 15 30 45 60 75 90 105 120 135 150 $36 $96 $25 $75 $32 $160 $51 $93 $45 $153


  • Your Credit Score

There are many things which are determined by your credit score – and, for better or for worse, car insurance is one of them. The better your score, the lower your monthly rate will be. Unfortunately, motorists with poor credit are charged significantly higher rates, and the chart below shows.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Farmers State Farm Liberty Mutual Nationwide Allstate 5 10 15 20 25 30 35 40 45 50 55 60 65 $28 $68 $21 $45 $27 $52 $47 $61 $39 $53


  • Your Age

In the market to insure a teenage driver? Well, we have some bad news, and some good news. The bad news is that teenage drivers are the most expensive drivers to insure (on account of their lack of driving experience and increased accident risk). The good news is that there are discounts specifically for teenagers – such as “Good Student” and Driver’s Ed discounts – which can help alleviate the financial burden.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Farmers State Farm Liberty Mutual Nationwide Allstate 25 50 75 100 125 150 175 200 225 250 275 $36 $290 $25 $87 $32 $144 $51 $142 $45 $131


  • Your Driving Record

Did you know that some providers offer a discount called “Accident Forgiveness”? If you have minor violations, such as a speeding ticket or a fender-bender sullying your driving record, you may be able to lower your premiums with such a discount.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Liberty Mutual Nationwide Allstate 10 20 30 40 50 60 70 $36 $44 $51 $48 $25 $27 $27 $30 $32 $46 Do Not Sell $40 $51 $58 $71 $68 $45 $48 $55 $57


  • Your Vehicle

It should come as no surprise that luxury vehicles are more expensive to insure than your typical sedan. But some drivers may not be informed as to why. Expensive vehicles will naturally cost more to repair or replace, which means you’ll need much more than the state minimum coverage. And the more coverage you buy, the higher your monthly premiums will be.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder Farmers State Farm Liberty Mutual Nationwide Allstate 15 30 45 60 75 90 105 120 135 150 165 $36 $102 $25 $95 $32 $160 $51 $108 $45 $173


Minor Car Insurance Factors in Springdale

Of course, many of these other factors will contribute to your monthly rate as well:

  • Your Marital Status

Married couples are in the perfect position to save money on their automotive insurance by bundling their policies together. They can also bundle homeowner’s insurance (or renter’s insurance) for further savings.

  • Your Gender

Times are changing, and insurance company policies are changing with them. More and more companies are phasing out gender as a metric for charging motorists more or less on their monthly premiums. And for those companies who still do charge a different rate, whether its males or females who end up paying more for their policy is determined by the provider.

  • Your Driving Distance to Work

The average motorist in Springdale spends about 10-19 minutes driving to work each day. In most eastern parts of the city, the carpool rate can range from 13-22%, which helps save on gas money and also alleviates traffic problems.

If you have your vehicle insured as a business vehicle, get ready to pay more on your premiums. On average, business vehicles cost 10-12% more to insure than those that are primarily driven for work/school/pleasure. Also, if you’re worried about your yearly mileage, don’t be. Even if you drive above average distances, it shouldn’t increase your premiums by more than 2-3%.

  • Your Coverage and Deductibles

Of course, there are ways to save on your monthly premiums while increasing the amount of coverage you can purchase. By contacting your provider and raising your deductible, you can lower your monthly payments. But this means that your upfront expenses will be higher if you do have to file a claim.

  • Education in Springdale, AR

If you haven’t decided whether or not to pursue a higher education, consider this incentive: college graduates save more money on their car insurance than drivers with a high school diploma. Your education is an even bigger factor than your profession, or your yearly income. In Springdale, most motorists have a high school diploma or an equivalent thereof.

For those considering a higher education in Springdale, there are a couple of local options. Ecclesia College is a private, religious institution offering bachelor’s and associates degrees. Additionally, you might also want to look into the Northwest Arkansas Community College if you prefer a public institution.

Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Arkansas Insurance Department

Arkansas Department of Finance and Administration

Department of Highway Safety and Motor Vehicles

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