If you’re in the market for car insurance in Conway, Arkansas, you may have noticed that the car insurance rates available can fluctuate dramatically. The average cost of a liability-only policy in Conway is $153 per month, but you may find quotes well above or below that based on your circumstances.

State Farm, USAA, and GEICO offer the lowest rates for Conway drivers. As you search for an affordable policy, don’t forget to consider factors other than cost, like the insurer’s financial stability and the coverage types offered.

This article is your guide to finding the right auto insurance policy in Conway to match your needs.

Quick Facts

State Farm offers the best quote for liability coverage in Conway, at $41 per month.
Conway drivers with an incident such as a speeding ticket, accident, or DUI can find the lowest premiums with State Farm, USAA, and GEICO.
While the average liability-only coverage quote in Conway ($153) is below the national average of $170, the average full-coverage quote of $274 exceeds the national average of $253.

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Cheapest car insurance companies in Conway

The table below provides an overview of the cheapest car insurers in Conway. Keep in mind that your unique situation will determine the ideal insurance company for you. Be sure to look into the pros and cons of all your options so you can make the most informed decision.

Best insurance for cheap rates: State Farm

Cheap RatesState Farm

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.4
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	842
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$30/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$59/mo

Overview

State Farm has been around since 1922 and is one of the largest car insurers in the U.S. It offers a variety of standard car insurance options, as well as policy add-ons like roadside assistance, rental car reimbursement, and rideshare insurance. State Farm is a great choice in Conway because it offers the cheapest rates for virtually every type of coverage and driver.

Pros and cons

Pros

Strong financial strength rating from A.M. Best
Long-standing history in the car insurance industry

Cons

No gap insurance
Must work with a local agent to purchase a policy

Reviews

Friendly; knowledgeable; cares for customer needs

Phyllis - February 1, 2023

Verified

Premiums jump every six months

Kenneth - January 31, 2023

Verified

They are great; prompt, polite, very educated

Angela - January 31, 2023

Verified

Read our State Farm review

Best insurance for military families: USAA

Military FamiliesUSAA

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	880
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$36/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$72/mo

Overview

USAA is a highly rated insurance company that exclusively sells coverage to active-duty military members, veterans, and their immediate families. USAA offers a good variety of discounts for additional policy savings, but only a few coverage endorsements are available. In addition to liability insurance, the company sells roadside assistance, comprehensive, collision, and uninsured motorist coverage.

Pros and cons

Pros

Several discounts available
Excellent ratings from J.D. Power and A.M. Best^[1] ^[2]

Cons

Only available to active-duty military members, veterans, and their families
Doesn’t offer many optional coverages

Reviews

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023

Verified

They Serve The Veteran.

Jack - September 7, 2023

Verified

Raised rates nearly 43%.

Jan - June 19, 2023

Verified

Read our USAA review

Best insurance for senior drivers: GEICO

Senior DriversGEICO

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	835
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$45/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$89/mo

Overview

One of the country’s top insurers, GEICO offers a number of insurance products. The company offers affordable quotes in Conway by coverage level, age, and driving history. GEICO has 16 advertised discounts, including some that seniors can commonly benefit from. Older drivers may earn multi-policy, good driver, defensive driving, and vehicle safety discounts. Drivers can also save with the DriveEasy telematics program.

Pros and cons

Pros

Multiple available discounts
Many insurance products

Cons

Gap insurance not available
Rideshare insurance not available

Reviews

Good communication

John - February 4, 2023

Verified

They offer the best rate.

Shannon - February 1, 2023

Verified

Any time I called them, they were on top of it and gave me an answer right away.

John - January 31, 2023

Verified

Read our GEICO review

Cheapest liability-only car insurance in Conway

Liability car insurance is the most basic level of car insurance. The state of Arkansas requires it, and it pays for property damage and injuries you may cause in an accident. Here are the cheapest liability-only quotes in Conway based on Insurify data.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
State Farm	30
USAA	36
GEICO	45
Auto-Owners	50
Allstate	65
Safeco	65
Farmers	66
Progressive	70
State Auto	73
Liberty Mutual	79
Direct Auto	93
Dairyland	110
The General	130
Bristol West	144

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Conway

Full-coverage car insurance is made up of liability insurance, collision insurance, and comprehensive insurance. While it’s optional, it can give you some additional peace of mind, especially if you drive a luxury car, have an auto loan or lease, or often commute in heavy traffic. Here, you can see the most affordable full-coverage insurers in Conway.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
State Farm	59
USAA	72
GEICO	89
Auto-Owners	101
Nationwide	111
Travelers	130
Allstate	132
Farmers	134
Safeco	139
Progressive	142
Direct Auto	155
State Auto	196
Liberty Mutual	201
Dairyland	237
The General	261
Bristol West	320

Estimate your insurance costs

State

Age

Credit Score

Are you insured

Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

I’m a good driver

Save 35%

I’m a homeowner

Save 5%

I’m married

Save 23%

I have multiple cars

Save 38%

Car insurance requirements in Arkansas

To drive legally in Arkansas, your insurance coverage must meet the following requirements:

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person and $50,000 per accident3
Property damage liability	$25,000

While a liability-only policy meets the requirements listed above, you can enhance your car insurance coverage with the following optional solutions:

Collision insurance

Collision insurance can help repair or replace your vehicle after an accident with another vehicle or stationary object, no matter who’s at fault.

Comprehensive insurance

Comprehensive insurance covers vehicle damage that comes from non-accident incidents, including vandalism, weather, and falling objects.

Uninsured/underinsured motorist insurance

Uninsured/underinsured motorist insurance may protect you when you’re in an accident with an at-fault party who doesn’t have insurance or is underinsured.

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Cheapest car insurance for drivers with an incident

Incidents like at-fault accidents, speeding tickets, and DUIs cause car insurance companies to judge you as a high-risk driver. For this reason, they’ll often charge you higher car insurance rates. If you have an at-fault accident on your driving record, for example, your premiums could increase by 33% or more compared to drivers with a clean record.

In these sections, you’ll see how your premiums can change based on individual incidents.

Cheapest car insurance for drivers with a speeding ticket

With a speeding ticket on your record in Conway, you can expect to pay more for car insurance but still enjoy lower premiums than with other incidents. Here you can see how your quotes change from several insurers.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
State Farm	89
USAA	108
GEICO	134
Auto-Owners	152
Allstate	199
Farmers	202
Safeco	209
Progressive	214
Direct Auto	233
State Auto	295
Liberty Mutual	303
Dairyland	357
The General	393
Bristol West	482

Cheapest car insurance for drivers with an at-fault accident

If you’re judged responsible for a car accident in Conway, you’ll likely have to pay more for your auto policy. Here, you can see how an at-fault accident affects the quotes you’ll receive from leading insurers.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
State Farm	91
USAA	111
GEICO	138
Auto-Owners	156
Allstate	204
Farmers	207
Safeco	215
Progressive	220
Direct Auto	240
State Auto	303
Liberty Mutual	311
Dairyland	367
The General	404
Bristol West	495

Cheapest car insurance for drivers with a DUI

A DUI conviction often comes with serious consequences, like hefty fines, jail time, and higher car insurance premiums. In most cases, having a DUI on your record will raise your insurance premiums more than having a speeding ticket or at-fault accident. Here, you can see the type of quotes you can expect to get in Conway with a DUI on your record.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
State Farm	103
USAA	126
GEICO	156
Auto-Owners	176
Allstate	231
Farmers	234
Safeco	243
Progressive	248
Direct Auto	271
State Auto	342
Liberty Mutual	351
Dairyland	414
The General	456
Bristol West	559

Cheapest car insurance for seniors

As people age, their reflexes slow and their vision worsens. These factors can make it more likely for seniors to be involved in at-fault accidents. As a result, seniors often pay higher insurance premiums than drivers younger than 75.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
State Farm	29
USAA	35
GEICO	44
Auto-Owners	50
Allstate	65
Farmers	66
Safeco	68
Progressive	70
Direct Auto	76
State Auto	96
Liberty Mutual	99
Dairyland	117
The General	128
Bristol West	157

Cheapest car insurance for teens

Teenagers typically pay some of the highest car insurance premiums. This is because they don’t have as much experience behind the wheel as older drivers and are more likely to cause an accident. Fortunately, young drivers can save money if they stay on their parents’ policy, drive a safe car, and lock in a good student discount. Without these cost-cutting measures, you can expect higher quotes, like those presented here.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
State Farm	115
USAA	141
GEICO	174
Auto-Owners	197
Allstate	258
Farmers	262
Safeco	271
Progressive	277
Direct Auto	303
State Auto	383
Liberty Mutual	392
Dairyland	463
The General	510
Bristol West	625

How to get the cheapest car insurance in Conway

When you look for cheap car insurance, be sure to consider your coverage options and the financial strength of various companies. These tips can help you score the best deal on a policy:

Shop around. Since each insurance company has its own unique products and rates, it pays to shop around. Get quotes from at least a few different insurers.
Increase your deductible. Your deductible is the amount of money you must pay out of pocket for a claim before your policy covers the rest. You can lower your premiums with a higher deductible because you’re taking on more up-front costs. However, make sure never to set your deductible so high you can’t afford it if you need to file a claim.
Bundle your insurance policies. Most larger car insurers offer bundling discounts. If you have homeowners or renters insurance, you might be able to bundle it with car insurance and save some money on both policies.

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Conway car insurance quotes by credit tier

Research shows that drivers with good to excellent credit are less risky and usually file fewer claims than those with poor credit. For this reason, many insurance agencies consider the credit scores of prospective policyholders to help determine premiums. Considering credit scores is illegal in a few states, but the practice is legal in Arkansas.^[3]

The chart below shows that a Conway driver with excellent credit may pay $211 per month on average, while a driver with poor credit might be charged an average of $424 per month.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Conway?

The average cost of an auto policy in the U.S. is $253 per month for full coverage and $170 per month for liability-only coverage. While Conway’s average quote for liability-only coverage insurance ($153) is cheaper than the national average, rates are a bit more expensive for full coverage ($274).

Auto insurance rates vary by ZIP code within Arkansas due to factors like population, crime rates, and the number of uninsured drivers. Premiums in Jonesboro and Springdale, for example, are more expensive than in Conway.

More cities in Arkansas

Here’s a look at the average quotes for a full-coverage auto policy in Jonesboro and Springdale compared to Conway.

City	Average Monthly Quote	Compared to Conway
Fayetteville	$286	4%
Fort Smith	$267	-2%
Jacksonville	$266	-3%
Jonesboro	$351	28%
Little Rock	$310	13%
Rogers	$263	-4%
Springdale	$293	7%

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Conway car insurance FAQs

Finding the insurance agency that provides the right coverage for you can feel overwhelming. Fortunately, the information below should answer any questions you still have and help you make an informed decision.

How much is car insurance in Conway?
On average, Conway drivers pay $153 per month for a liability-only car insurance policy. Meanwhile, a full-coverage insurance policy averages $274 per month. Still, Conway residents pay about 4% less than the state average and enjoy lower rates than communities like Little Rock, Jonesboro, and Springdale.
What are the best car insurance companies in Conway?
State Farm is the best car insurance company in Conway. It has a 4.4 Insurify Quality (IQ) Score, an A++ financial strength rating from A.M. Best, and solid rankings in J.D. Power customer and claims satisfaction studies. Other top insurers in the city include USAA and GEICO.
Is car insurance cheaper with two cars?
Yes and no. If you insure two cars, you’ll inevitably pay more than if you insured a single car. But having two cars allows you to bundle your coverages together, meaning you should pay a lower premium for each insured vehicle than you would if you insured them separately.
What comes first: Buying a car or getting car insurance?
You must have insurance coverage to drive a car in Arkansas. Most insurers in Arkansas will allow you a grace period of two to 30 days, during which you can drive your new vehicle on your existing policy before adding it. However, you must have an existing policy to drive any vehicle, new or old, in Arkansas.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

More cities in Arkansas

Popular cities

Sources

J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds." Accessed July 11, 2023
A.M. Best. "USAA." Accessed July 11, 2023
Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?." Accessed July 11, 2023

Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

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Edited byChris SchaferSenior Editor

Chris SchaferSenior Editor

15+ years in content creation
7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Table of contents

Table of contentsCompare quotes

Find Car Insurance in Conway, AR

Cheapest car insurance companies in Conway

Best insurance for cheap rates: State Farm

Cheap RatesState Farm

Best insurance for military families: USAA

Military FamiliesUSAA

Best insurance for senior drivers: GEICO

Senior DriversGEICO

Cheapest liability-only car insurance in Conway

Cheapest full-coverage car insurance in Conway

Estimate your insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in Arkansas

Collision insurance

Comprehensive insurance

Uninsured/underinsured motorist insurance

Find Car Insurance in Conway, AR

Cheapest car insurance for drivers with an incident

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Conway

Find Car Insurance in Conway, AR

Conway car insurance quotes by credit tier

Rates by Credit Tier

Is car insurance more expensive in Conway?

More cities in Arkansas

Conway car insurance FAQs

Methodology

Related articles

More cities in Arkansas

Popular cities

Sources

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