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Considered the most populated city in the State of Arkansas, Conway can have challenging driving at times. Most residents do not travel out of Conway for work, making surface streets and highways quite busy during rush hour. When the weather allows, many people like to ride their bikes in the city, posing a danger for drivers who aren’t paying attention. While Conway is home to only about 66,000, driving here often has a big-city feel, encouraging motorists to ensure they have robust car insurance coverage.
The average cost of Arkansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Conway, AR to find you the cheapest quotes in the area.
Here are the cheapest carriers in Conway for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 Allstate | $82/mo |
 Nationwide | $103/mo |
 Direct Auto | $155/mo |
 The General | $236/mo |
 American Family | $250/mo |
| Best Companies | ||
|---|---|---|
American Family | $215/mo | |
 Liberty Mutual | $255/mo |
Arkansas Cities | |
|---|---|
| Little Rock | $190/mo |
| Fort Smith | $150/mo |
| Fayetteville | $138/mo |
| Springdale | $130/mo |
| Conway | $165/mo |
| Arkansas | $155/mo |
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Arkansas' minimum liability auto insurance limits are as follows:
As Conway’s average car insurance prices demonstrate, insurance companies lean heavily on a person’s age when determining rates. While middle-aged drivers pay somewhere in the $170 range for their monthly policy, young drivers pay significantly more. Why? Because age is associated with the amount of risk you pose as a driver. Teen motorists and those in their 20s pay $338 and $243, respectively, because they have less experience on the road and are more likely to make claims because of driving mistakes.
| Driver's Age | |
|---|---|
| teens | $339 |
| 20s | $244 |
| 30s | $179 |
| 40s | $180 |
| 50s | $176 |
| 60s | $155 |
| 70s | $150 |
| 80s | N/A |
| Driving History | |
|---|---|
| No Violation | $189 |
| Speeding Ticket | $239 |
| At-Fault Accident | $193 |
| Failure to Stop for Red Light / Stop Sign | $293 |
Zipping through a red light can cost you more than just a ticket in Conway. Car insurance companies use your driving record to determine rates—both when you establish your policy and when you renew. While insurance companies reward good drivers with better rates, poor driving can raise your rates significantly. A failure-to-stop offense on your driving record means you’ll be paying an average of $292 monthly in car insurance premiums. That’s 55 percent more than what the perfect driver pays, at an average of $188.
Establishing a healthy credit history can help you with car insurance rates in Conway. Because the way you manage your money speaks to your risk as a customer, car insurance companies use credit-based insurance scores as part of their calculations. For younger drivers and those without credit, insurance companies use a score of “fair” or “average” to make this determination. Conway drivers with an average credit score can expect to pay $193 for their insurance policy monthly.
| Credit Tie | |
|---|---|
| Excellent | $204 |
| Good | $209 |
| Average | $194 |
| Poor | $224 |
Motorists needing to visit the State of Arkansas Driver Control office should plan on waiting a while, as it’s the only location in the area to help with DMV services. The office is open from 8 a.m. to 4:30 p.m. Monday through Friday and is situated in the northern part of Conway. It’s been said that employees aren’t very helpful, leading to a frustrating experience for many.
Surprisingly, the city of Conway does not offer residents any type of public transportation system. While other smaller parts of the country feature robust bus routes, Conway has nothing of the sort. If you do not have a vehicle, you may opt to bike around town or take a Lyft or Uber to reach your destination.
Getting around Conway can be challenging, as most residents stay within the city for work and there are little to no options to get around if you don’t own a vehicle. When you combine these factors with the possibility of inclement weather, driving in Conway can be tough. It’s best to make sure you have adequate auto insurance before you hit the road here.
If you want to see how your auto insurance compares to other options, head over to Insurify today. You can compare pricing, explore discounts, and come away with a policy that’s less expensive than you imagined. Insurify takes the stress out of shopping for car insurance!
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Conway drivers measure up to their fellow Arkansas motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Conway drivers rank 6 in the number of car accidents per driver across all cities in Arkansas.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Arkansas, Conway drivers rank 3 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Conway drivers rank 31 in the number of DUI’s per driver across all cities in Arkansas.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Conway is the Nissan Altima.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Arkansas, Conway drivers rank 8 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Conway drivers rank 18 in clean driving records across all cities in Arkansas.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Conway drivers rank 12 in failure to yield violations per driver across all cities in Arkansas.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Arkansas, Conway drivers rank 14 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Conway drivers rank 33 in hybrid and electric vehicle ownership across all cities in Arkansas.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
