Springdale, AR Auto Insurance | Cheap Auto Insurance in Springdale, AR
Are you looking for cheap auto insurance in Springdale, AR? The average price of insurance in Springdale, AR is $334/mo or $4,012 annually. Springdale, AR auto insurance requires a basic liability coverage of 25/50/25. Read on to learn how to secure better than average insurance quotes by comparing rates from insurance companies in Springdale, Arkansas.
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UPDATED: Nov 17, 2020
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- Average Springdale, Arkansas auto insurance rates are $334 per month or $4,012 annually.
- Experienced drivers with clean driving records get the most affordable auto insurance rates in Springdale, Arkansas.
- Comparison shopping and seeking out auto insurance discounts can help lower your average annual Springdale, AR rates.
Are you looking for cheap auto insurance in Springdale, AR? The average price of Springdale, AR auto insurance is $334 per month or $4,012 annually. However, many factors impact your Arkansas auto insurance rates, like your age, driving record, and car model.
Drivers searching for cheap insurance rates in Springdale, AR will be able to find affordable premiums. Read through our simple guide to better understand how your insurance in Springdale, AR is calculated, and to learn how to compare auto insurance quotes from multiple companies.
Ready to compare quotes from the top insurance companies in Springdale Arkansas? Just enter your five-digit Springdale ZIP code into our FREE quote tool above to get started.
Auto Insurance Coverage Requirements in Arkansas
Auto insurance laws vary by state, but virtually every state requires drivers to carry some form of liability insurance. What are the Arkansas state minimum requirements to legally drive on the roads? Find out in the table below.
Arkansas State Minimum Auto Insurance Requirements
|Coverage Type||State Minimum 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|
For most drivers, purchasing only the minimum level of liability coverage is not enough. After all, liability coverage only pays out claims for the other driver when you are at fault for causing the car accident.
If someone hits you, or if an act of nature damages your vehicle, you are responsible for paying for those costs entirely out of pocket. Your insurance company won't pay a dime.
Take a look at the graph below to see monthly auto insurance rates from different insurance companies in Springdale, AR.
As you can see, State Farm insurance in Springdale, Arkansas offers competitive rates. But there are other cheap insurance companies you should compare quotes from.
There are also local companies, like Advantage 1 Auto Insurance in Springdale, AR, and Direct Auto Insurance in Springdale, Arkansas that should not be left off of your list when you comparison shop.
Enter your ZIP code below to compare auto insurance rates.
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What's the Cheapest Auto Insurance in Springdale, Arkansas?
Where can you get cheap auto insurance in Springdale, Arkansas? The lowest rates in Springdale come from companies such as State Farm, Liberty Mutual, and Farmers.
Take a look at the table for auto insurance companies comparisons in your city.
|Companies||Average Annual Rates for a Married 60-Year-Old Female||Average Annual Rates for a Married 60-Year-Old Male||Average Annual Rates for a Married 35-Year-Old Female||Average Annual Rates for a Married 35-Year-Old Male||Average Annual Rates for a Single 25-Year-Old Female||Average Annual Rates for a Single 25-Year-Old Male||Average Annual Rates for a Single 17-Year-Old Female||Average Annual Rates for a Single 17-Year-Old Male|
USAA offers the most competitive rates, however, it will only provide auto insurance to active or retired military personnel and their families.
Fortunately, State Farm in Springdale, AR provides very affordable rates to all demographics across the board.
However, just because you’ve found the cheapest auto insurance in the world, that does not mean it will also be the right policy for you. There are other factors to consider before you decide on which company to choose from.
For example, how is the customer service of the company you’re considering? How easy is the claims filing process? These questions are just as vital as affordable rates are when you’re shopping for auto insurance.
Similarly, it is important to note that auto insurance carriers contemplate several elements when calculating insurance quotes. Your ZIP code, driving history, the type of vehicle you own, and even your level of education will all be considered. But every Springdale, AR auto insurance insurance company uses a different equation to determine your final costs.
To make sure you’re still paying the most favorable rate, you have to compare cheap Springdale auto insurance quotes online from multiple different companies. By using cheap auto insurance sites to compare rates, you’ll know with certainty that the price, policy, and level of service are right for you and your needs.
The best auto insurance comparison sites are the ones that allow you to compare multiple auto insurance quotes and may even have an auto insurance quote generator.
Compare auto insurance online using our free tool and find Springdale, AR auto insurance quotes today.
Major Auto Insurance Factors in Springdale, AR
There are many ways that Springdale, AR auto insurance rates can be estimated. Your ZIP code, driving record, age, and the type of car make and model you drive will all be used to determine your quotes.
Some of the demographics that insurance companies take into consideration are beyond your control. You cannot choose to change your age, for example.
But there are a few other things you can do to be able to influence what discounts you are eligible to acquire. Keep reading to learn more.
What ZIP codes have the cheapest auto insurance rates in Springdale, AR?
Where you live in a city can also have a major impact on what you pay for auto insurance. If you live in a part of town with a very dense population, there will be more cars on the road. More cars on the road mean you’re more likely to get into an accident.
According to DataUSA, there are 77,252 people living in Springdale, Arkansas. Your town has only two ZIP codes. Is your ZIP code causing you to pay more for auto insurance than your neighbors? Find out in the table below.
Springdale, AR Average Annual Auto Insurance Rates by ZIP Code
|Springdale ZIP Code||Average Annual Auto Insurance Rates|
Fortunately, the difference in annual auto insurance rates by ZIP code in your city is very small. In fact, folks with a 72764 ZIP code only save $8 a year compared to their neighbors with the 72762 ZIP code.
How do Springdale insurance averages compare to other cities and towns across the state of Arkansas? Take a look at the graph below to find out.
As you can see from the data above, Springdale auto insurance rates are lower than most other major cities in Arkansas. The rates in Little Rock are much higher, likely because it is one of the largest cities in the state.
Automotive Accidents in Springdale, AR
If your city has a very high rate of automobile accidents, it can cause your average insurance rates to increase. Cities and towns with safe streets and very few vehicle fatalities are usually the regions with the lowest auto insurance averages.
Take a look at the graph below to see details about fatal accidents in Springdale, Arkansas.
Given the total population of the city, the fatal accident statistics for Springdale are much lower than similarly-sized cities in Arkansas.
This is great news for you. It means that parking your car in a Springdale ZIP code each night can help lead to lower monthly rates on automotive insurance.
Auto Thefts in Springdale, AR
Living in a large city, especially one with a high crime rate, will increase your insurance rates. Your insurance will be higher than average because your risk of being a victim of auto theft is also higher than average.
According to City-Data, there was a large increase in vehicle theft rates in Springdale between 2013 and 2018. Before 2013, the city was actually experiencing a decrease in auto theft cases. It is possible that your auto insurance rates will go up as a result.
If your vehicle is ever stolen, the only way you can rely on your insurance for financial assistance is if you purchased a comprehensive policy, which is not part of Arkansas’ state minimum requirements.
How much will adding comprehensive insurance to your policy cost you in Springdale, AR? Find out in the graph below.
Comprehensive coverage protects you from more than just vehicle theft. Damage caused by fires, flooding, vandalism, animals, and even weather is also covered by this type of insurance.
If you can fit this additional coverage in your budget, it is a worthwhile investment.
Best Auto Insurance for Credit History Rates in Springdale, AR
Did you know your credit score affects auto insurance premiums? It’s true, your credit score will have an impact on what you pay for auto insurance in Springdale, AR. The better your score, the lower your monthly rate will be.
Unfortunately, motorists with poor credit are charged significantly higher rates. Finding no credit check auto insurance is hard to do.
Check out the graph below to see what we mean.
If you live in Springdale and have bad credit, know that your credit score can change for the better if you make your monthly auto insurance payments on time.
Eventually, you can improve your score enough to get lower, more affordable insurance rates.
Do gender and age affect my auto insurance rates in Springdale, AR?
Both your age and gender will be taken into consideration when you look for auto insurance in Springdale, AR. That being said, your age makes a much bigger difference than your gender.
In fact, using gender to determine auto insurance rates is illegal in a small number of American states. In the state where it is still legal, the rate differences are less than 5 percent.
However, to insurance companies, age correlates to driving experience. Older drivers know the rules of the road better, and therefore drive more responsible and are less likely to get into accidents.
Younger drivers, on the other hand, have less experience and are more likely to cause accidents. According to the Insurance Information Institute, automobile accidents are the leading cause of teenage deaths.
To mitigate the risk, teenage drivers receive much higher than average insurance quotes from companies. See what we mean in the graph below.
Are you a younger driver? Or perhaps you’re in the market to insure a teenage driver? We have a few trips to help you keep your rates low. For example, if you’re able to stay on a parent’s policy, that will help lower your rates.
If that is not an option for you, try looking into safe driver discounts and good student discounts.
Best Auto Insurance for Driving Record Rates in Springdale, AR
Insurance companies will look at your driving record to see if you are a high or low-risk person to insure. If you’ve filed many claims in the past, and have a very rocky driving record, you’re not going to receive the best auto insurance rates.
Alternatively, if you have a flawless driving history and have filed minimal claims over time, you will get some great quotes.
See how much a single driving violation can impact your monthly rates in Springdale, AR in the graph below.
If you live in Springdale and have only one or two minor infractions on your driving record, consider asking insurance providers about any accident forgiveness programs being offered. Smaller incidents, like a speeding ticket or a fender-bender, can be dismissed from your record, leading to lower premiums.
Just be sure to keep your record clean moving forward. Fortunately, there are plenty of road safety tips drivers can follow to be safer on the roads. For example, be mindful of speed limit signs, use your blinker correctly, and always come to a full stop at stop signs.
Vehicle Make and Model and Auto Insurance in Springdale, AR
If your budget is your primary concern, be sure the vehicle you drive is not accidentally causing your insurance rates to increase.
It should come as no surprise that luxury vehicles are more expensive to insure than your typical sedan. Take a look at the graph below to see the differences in monthly insurance costs between a fancy car and a basic sedan.
As you can see, a luxury vehicle will be much more costly to insure than an economy sedan. The reason why is because expensive vehicles naturally cost more to repair or replace.
You will also need to purchase much more than the state minimum coverage to fully protect a fancier car. And the more coverage you buy, the higher your monthly premiums will be.
Minor Auto Insurance Factors in Springdale, AR
We’ve discussed the major factors that impact your Springdale, AR auto insurance rates. From your age to the type of vehicle you drive, you’re aware of some of the demographics you have no control over, and what items you can change to receive lower rates.
Take a look at this video for more.
However, there are a few more details to go over before you can consider yourself a Springdale, AR auto insurance expert. While the following items we will cover only slightly impact your auto insurance rates, it will still provide you with opportunities for more savings.
Marital Status and Auto Insurance Rates in Springdale, AR
Are you married? If so, you’re in a great position to save money on your auto insurance by bundling your policy with your spouse. Married couples have a few unique advantages when it comes to securing cheaper insurance rates.
First, you can add multiple vehicles to a single policy. Oftentimes, you’ll receive a multi-car discount when you insure more than one car under the same policy.
Next, you can also bundle your renters or homeowners insurance with your auto insurance policy, which will lead to even greater savings. The more business you give to a company, the better rates you’ll receive.
Best Auto Insurance for Commute Rates in Springdale, AR
If you're worried that you drive much more than average and fear it could cause your rates to be unreasonably high, don't be. While your commute to work can impact your overall rates, the cost differences are very minimal.
Even if you drive above-average distances, your auto insurance rates should at most be only 2 or 3 percent higher than folks who drive less.
The average motorist in Springdale spends about 10 to 19 minutes driving to work each day. In most eastern parts of the city, the carpool rate can range from 13 to 22 percent, 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 to 12 percent more to insure than those that are primarily driven for work, school, or pleasure.
Best Auto Insurance for Coverage Level Rates in Springdale, AR
Perhaps you are on a tight budget but still would like to invest in a fuller coverage policy. Luckily, there are ways to save on your monthly premiums while increasing the amount of coverage you can purchase.
You might consider contacting your provider and raising your deductibles, which will help lower your monthly payments. However, this means you’ll be responsible for paying for more upfront expenses out of pocket, should a serious accident occur.
Therefore, be careful not to set your deductibles too high, or you risk accidentally putting yourself in a financially unstable situation.
Education Level and Auto Insurance in Springdale, AR
If you haven’t decided whether or not to pursue higher education, consider this incentive: college graduates can sometimes save more money on their auto insurance than drivers who only earned a high school diploma.
In some states, your education is as big of a factor as your profession, or even your yearly income. In Springdale, most motorists have a high school diploma or an equivalent level of education.
For those considering 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.
However, your level of education is not the most important factor that companies consider. At most, your savings will likely be less than 10 percent in total.
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How We Conducted Our Auto Insurance Analysis
We calculated our average rate based on a married 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and who owns his own home.
The average 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.
You are now an expert on all there is to know about Springdale, AR auto insurance. You are ready to secure the best auto insurance in Springdale, Arkansas.
When looking for auto insurance quotes, cheapest doesn't always equal best. Make sure you shop around before you buy Springdale, AR auto insurance.
Just enter your five-digit Springdale, AR ZIP code into our FREE online quote tool below to start comparing affordable Springdale, AR auto insurance rates.