Cheap Auto Insurance in Conway, Arkansas (2024)

A suburb of Little Rock, Conway is the seventh-largest city in Arkansas. Conway's location in Arkansas' densely populated central region, its exposure to extreme weather, and a high population density all contribute to the city's car insurance costs.

Conway drivers face average car insurance rates that are similar to the state's overall average, despite its smaller size compared to big cities like Little Rock or Fayetteville. But Conway's average rates are higher than national averages. In Conway, full-coverage car insurance averages $233 per month. By comparison, the national average is $213.

To find the cheapest coverage available to them, Conway drivers can compare quotes from multiple insurers. Many top insurance companies offer coverage in Arkansas, including State Farm, USAA, and GEICO, the three cheapest options for Conway drivers.

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

Best insurance for military families: USAA

Best insurance for senior drivers: GEICO

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.

Cheapest liability-only car insurance in Conway: State Farm

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.

Cheapest full-coverage car insurance in Conway: State Farm

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.

Car insurance requirements in Arkansas

Like most states, Arkansas requires all drivers to carry a minimum amount of liability car insurance. Still, about 20% of drivers in the state are uninsured, according to the Insurance Research Council. To drive legally in Arkansas, your insurance coverage must meet the following requirements:

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

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  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.

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  Comprehensive insurance

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

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  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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Minimum coverage policies start at $28/mo. for Conway drivers

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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: State Farm

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. On average, Conway drivers see monthly car insurance rates of $342 for full coverage and $160 for minimum coverage after a speeding ticket.

Here you can see how liability-only quotes change from several insurers.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you cause a car accident in Conway, you’ll likely have to pay more for your auto policy. The average cost of car insurance for Conway drivers with at-fault accidents is $351 per month for full coverage, and $164 for liability-only policies. Here, you can see how an at-fault accident affects the liability insurance quotes you’ll receive from leading insurers.

Cheapest car insurance for drivers with a DUI: State Farm

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.

Conway drivers convicted of DUI may see average car insurance rates of $397 per month for full coverage and $186 for minimum coverage. Here, you can see the type of quotes you can expect to get in Conway with a DUI on your record.

Cheapest car insurance for seniors: State Farm

Generally, age causes vision, mobility, and cognitive changes that can increase the risk of getting into an accident. As a result, car insurance rates tend to begin rising again when a driver reaches age 70. Still, seniors have the cheapest car insurance rates overall of any age group.

In Conway, car insurance for senior drivers averages $163 per month for full coverage and $76 for liability-only. The following table shows quotes from top insurers for senior drivers in Conway.

Cheapest car insurance for teens: State Farm

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.

Car insurance for teen drivers in Conway costs, on average, $417 monthly for full coverage and $195 for liability-only policies. The following table shows quotes from top insurers for teen drivers in Conway.

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.^[4]

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.

Is car insurance more expensive in Conway?

The average cost of an auto policy in the U.S. is $213 per month for full coverage and $104 per month for liability-only coverage. Arkansas' averages are $247 and $103, respectively.

Conway's average car insurance rates of $233 for full coverage and $109 for minimum coverage are higher than national averages, but on par with the state's.

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 monthly quotes for other Arkansas cities.

Conway car insurance FAQs