Cheap Car Insurance in Fayetteville, AR

Are you looking for auto insurance in Fayetteville, AR? At, you could find the cheapest insurance rates close to you. To acquire free car insurance quotes from the major providers today, enter your zip code into the quote box on this page.

Fayetteville is the quintessential college town of Arkansas. The University of Arkansas is located there, bringing tens of thousands of students into the city each fall and spring. Additionally, Fayetteville is also home to natural attractions such as a subset of the Ozarks known as the Boston Mountains. The city even has roots in the American Revolutionary War.

  • Fun fact: Did you know that Fayetteville is #9 on the list of “Top 101 cities with largest percentage of males in occupations: Legal occupations: (population 50,000+)”? Learn more about the city of Fayetteville, AR.

Auto Insurance Coverage Requirements in Arkansas

Here are the legal minimum requirements and recommended suggestions for automotive insurance in Arkansas:

CoverageRequirementsMost Common
Bodily Injury Liability25,000/50,00025,000/50,000
Property Damage Liability25,00025,000
Uninsured Motorist Bodily InjuryNot required25,000/50,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required100 deductible

While you may only be required to purchase Liability coverage, keep in mind that this won’t protect you financially in every situation. And depending on how you are paying for your car, you might have no choice but to purchase additional coverage. Some lenders require it for financed vehicles.

While some estimates claim that the average monthly insurance premium for Arkansas drivers can be as high as $117, our research shows that Fayetteville motorists can get insured for as little as $38/mo* if they know how to shop around.

Average Monthly Auto Insurance Premiums Legend: Fayetteville Farmers State Farm Liberty Mutual Nationwide Allstate 5 10 15 20 25 30 35 40 45 50 $39 $24 $32 $51 $45

It looks as though Farmers, State Farm, and Liberty Mutual are offering some of the lowest rates in Fayetteville right now. Keep in mind, though, that a car insurance provider’s overall success involves a lot more than just offering low premiums. You have to do your homework and make sure that they also provide stellar customer service and an easy claims process.

Auto insurance carriers consider different factors when calculating insurance quotes, including driving violations, accident claims, occupation, years of driving experience, and business use of the vehicle. Also keep in mind that premiums change from company to company. To find out whether you’re still being charged the most affordable rate, compare cheap Arkansas auto insurance quotes online.

Major Car Insurance Factors in Fayetteville

There is a variety of numerous items that may factor into the rate quotes you receive. While many of these things aren’t actually something you can do something about, a few of them are factors which you can change for the better. Here are a few things which might change your car insurance premium:

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 Fayetteville is 78,960 and the median household income is $37,369.

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

If you happen to live in an area with a high rate of fatal accidents, you can expect to pay more for your monthly insurance costs. Luckily for Fayetteville drivers, the accident statistics are fairly low, especially when it comes to drunk driving fatalities.

Fatal Accidents in Fayetteville, AR Legend: Fayetteville 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 8 9 10 11 12 5 7 5 12 3


Auto Thefts in Fayetteville

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. The total number of stolen vehicles in Fayetteville was 160 in 2013. This means that auto thefts have been steadily on the rise for a few years now. Of course, the best way to protect yourself is to add Comprehensive coverage to your policy – however, it won’t be cheap.

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 $39 $97 $24 $76 $32 $160 $51 $93 $45 $153


Your Credit Score

Auto insurance providers put a lot of stock into your credit score. The better your credit, the lower your rate will be. However, having a poor credit score can significantly raise your rates. As you can see in the chart, some companies will charge you double (or more) than someone with excellent credit.

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 70 $31 $73 $20 $43 $27 $52 $47 $61 $40 $53


Your Age

It can be very exciting to earn your license and start driving for the first time as a teenager. Unfortunately, teenage drivers are also much riskier drivers, and cause more accidents than older, more experienced motorists. But there are good student and Driver’s Ed discounts that you can – and should – look into.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Farmers State Farm Liberty Mutual Nationwide Allstate 25 50 75 100 125 150 175 200 225 250 275 300 $39 $316 $24 $83 $32 $144 $51 $142 $45 $131


Your Driving Record

As you can obviously tell from this chart, the cleaner your driving record is, the lower your monthly rate will be. If you have many violations, or serious citations, you will pay substantially more each month, or have your insurance discontinued altogether.

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 $39 $48 $56 $52 $24 $26 $26 $28 $32 $46 Do Not Sell $40 $51 $58 $71 $68 $45 $48 $55 $58


Your Vehicle

Luxury vehicles are much more expensive to insure than your standard, run-of-the-mill compact sedan. This is true both because of expensive replacement/repair costs, and because they require much more comprehensive coverage.

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 $39 $102 $24 $96 $32 $160 $51 $108 $45 $173


Minor Car Insurance Factors in Fayetteville

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

Your Marital Status

Being a single driver vs. a married one doesn’t net you any significant discounts as an individual motorist. However, bundling your insurance with your spouse can seriously put a dent in your monthly bill.

Your Gender

Forget whatever stereotypes you know about male and female drivers. Most car insurance providers don’t charge more than a few dollars’ difference between genders, if they charge a different rate at all. And it depends on the company which gender gets charged more.

Your Driving Distance to Work

It takes the average worker 10-19 minutes to drive to work in Fayetteville. ¾ of drivers choose to commute to work in their own vehicle, while a little over 10% carpool with co-workers. For some parts of Fayetteville, the carpool rate can spike above 26%.

In general, it doesn’t matter whether you’re driving for work, for school, driving an average number of miles, or hardly any at all – the average monthly rate rarely fluctuates by more than 1-2% regardless of how much or why you drive. Business vehicles, on the other hand, can be charged 10-12% higher rates than the average vehicle.

Your Coverage and Deductibles

Want to increase your coverage, but still keep your monthly rates low? Try raising your deductible. Yes, your out-of-pocket expenses will be a bigger burden in the event you need to file a claim, but the lower rates should help you save each month.

Education in Fayetteville, AR

Think a fancy job or a nice salary will get you lower auto insurance rates? Guess again. It’s all about your education. Since Fayetteville is a college town, it’s no surprise that most drivers have at least a bachelor’s degree. Many also have high school diplomas, or are at least a year into pursuing a college education.

With the University of Arkansas located right in Fayetteville, it’s hard to talk about anything else as far as higher education is concerned. The university enrolls over 20,000 students annually and offers degrees in everything from creative writing to poultry science.

Unfortunately for most insurance companies, a simple internet search can reveal many of their trade secrets. But even with the proper information, it can still be difficult for you as an individual to figure out your risk profile and find low-cost insurance. Make sure you do your due diligence before you commit to your next car insurance policy.

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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