Fayetteville, AR Auto Insurance | Cheap Car Insurance in Fayetteville, AR

Fayetteville, AR auto insurance has a minimum coverage of 25/50/25. Finding cheap car insurance in Fayetteville, AR requires shopping around. One of the best Fayetteville, AR car insurance companies, State Farm, offers $24/month.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Regarding Arkansas auto insurance, the minimum coverage in liability drivers should carry is 25/50/25. With a bit of shopping around, drivers can find a company that offers affordable Fayetteville, AR auto insurance. There are quite a few companies that offer cheap car insurance in Fayetteville, AR. Some of the best Fayetteville, AR car insurance companies include: Farmers, State Farm, Liberty Mutual, Nationwide, and Allstate. State Farm offers a premium that starts at $24 per month.

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.

Are you looking for cheap auto insurance in Fayetteville, AR? At AutoInsuranceEZ.com, you could find the Fayetteville, Arkansas cheapest auto 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.

Auto Insurance Coverage Requirements in Arkansas

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

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 PremiumsLegend: Fayetteville Farmers State Farm Liberty Mutual Nationwide Allstate 5101520253035404550$39$24$32$51$45

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Cheap Car Insurance in Fayetteville, Arkansas

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 with Fayetteville, Arkansas car insurance companies. To find out whether you’re still being charged the most affordable rate, compare cheap Arkansas auto insurance quotes online.

Major Factors in Fayetteville, AR Car Insurance

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 Fayetteville, AR 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 Credit ScoreLegend: Excellent Credit Poor Credit Farmers State Farm Liberty Mutual Nationwide Allstate 510152025303540455055606570$31$73$20$43$27$52$47$61$40$53

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, ARLegend: Fayetteville Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 123456789101112575123

Auto Thefts in Fayetteville

Finding the cheapest auto insurance in Fayetteville, Arkansas 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 PolicyLegend: Basic Coverage Comprehensive Coverage Farmers State Farm Liberty Mutual Nationwide Allstate 153045607590105120135150$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 Fayetteville, Arkansas auto insurance companies will charge you double (or more) than someone with excellent credit.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Farmers State Farm Liberty Mutual Nationwide Allstate 510152025303540455055606570$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 ComparisonLegend: 34 Year Old 17 Year Old Farmers State Farm Liberty Mutual Nationwide Allstate 255075100125150175200225250275300$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 ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Liberty Mutual Nationwide Allstate 10203040506070$39$48$56$52$24$26$26$28$32$46Do 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/ModelLegend: 2015 Honda Accord 2012 Porche Boxster Spyder Farmers State Farm Liberty Mutual Nationwide Allstate 153045607590105120135150165$39$102$24$96$32$160$51$108$45$173

Minor Factors in Fayetteville, AR Car Insurance

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.

Cheap Full Coverage Car Insurance in Fayetteville, Arkansas

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.

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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.

Sources:

Arkansas Insurance Department

Arkansas Department of Finance and Administration

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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