Cheap Auto Insurance in Conway, Arkansas (2026)
State Farm offers the cheapest car insurance in Conway, with minimum-coverage policies as low as $41 per month.
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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 $147 per month. By comparison, the national average is $183.
To find the cheapest coverage available to them, Conway drivers can compare quotes from multiple insurers. Many top insurance companies offer cheap car insurance in Arkansas, including State Farm, USAA, and Root, the three cheapest options for Conway drivers.
Quick Facts
Conway had 2,426 crashes but only six fatalities in 2022, according to the most recent data available.[1]
The City of Colleges has a high population density of 1,309 residents per square mile, according to U.S. Census Bureau data.
Conway is home to three colleges. A higher number of young drivers in an area could lead to more traffic accidents.
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.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $90 | $41 | Cheap rates |
| USAA | 9.1 | $110 | $50 | Military families |
| GEICO | 9.2 | $136 | $62 | Senior drivers |
Disclaimer: Table data sourced from real-time Conway car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Conway may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurance for cheap rates: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $41/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 |
4.0
Best choiceBased on 16,832 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Showing 16 Arkansas reviews for Conway driversSee all 7,351 State Farm reviews
Verified Review
Reviewed in Arkansas on February 16, 2026
$200 is way too much for someone with a clean driving record.
Verified Review
Reviewed in Arkansas on January 28, 2026
Insured with State Farm for 50 years, and they sell what makes them the most. The price is too high.
Verified Review
Reviewed in Arkansas on January 11, 2026
I have not had to make a claim yet, but in the three years we have lived in Arkansas, our car insurance has been terribly high. We also have homeowners insurance. It has gone up so high that we are reaching the point of having it pulled way back to about nothing. I have a really hard time believing that both of these are appropriate. I have seen our insurer's new office. It is ridiculously fancy. While we struggle out here, the prices just keep going up. It greatly saddens me that they are this way.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Strong financial strength rating from AM Best
Long-standing history in the car insurance industry
Cons
No gap insurance
Must work with a local agent to purchase a policy
Best insurance for military families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| 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. | $50/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. | $109/mo |
4.9
Best choiceBased on 3,372 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Showing 6 Arkansas reviews for Conway driversSee all 1,523 USAA reviews
Verified Review
Reviewed in Arkansas on March 22, 2026
Perfect but PRICEY!
Verified Review
Reviewed in Arkansas on March 3, 2026
Astronomical rates that keep rising on my 2016 car. Monthly premium rates are too high.
Verified Review
Reviewed in Arkansas on January 9, 2026
I have never filed a claim, but the rates just keep going up.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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.
Best insurance for senior drivers: GEICO
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| 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. | $61/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. | $135/mo |
3.9
A solid optionBased on 17,111 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Showing 10 Arkansas reviews for Conway driversSee all 7,584 GEICO reviews
Verified Review
Reviewed in Arkansas on April 8, 2026
It was great until my policy increased substantially at every renewal, despite having no tickets or accidents. I drive 2.3 miles to work and home, and I am done paying $200 a month.
Verified Review
Reviewed in Arkansas on February 25, 2026
Geico has been steadily raising our rate, and we have no accidents or tickets. I went to switch to Progressive, who saved me a considerable amount of money, but when my wife got on with Geico to cancel, they said we were on an old system and she could beat Progressive by $100. My wife said yes, and we are paid for the year. I would have happily paid Progressive the extra $100 to get away from Geico.
Verified Review
Reviewed in Arkansas on February 12, 2026
I was late on my payment, and that caused it to at least double. I'm on a fixed income, so coming up with more money for insurance is just not in my budget.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Multiple available discounts
Many insurance products
Cons
Gap insurance not available
Rideshare insurance not available
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.
The below rates in Conway, AR, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $41 |
| USAA | $50 |
| Trexis | $58 |
| GEICO | $61 |
| National General | $63 |
| Auto-Owners | $68 |
| Root | $70 |
| Trexis One | $75 |
| GAINSCO | $80 |
| Direct Auto | $81 |
| Safeco | $82 |
| Shelter | $89 |
| Allstate | $90 |
| Farmers | $91 |
| Nationwide | $91 |
| Travelers | $96 |
| The General | $97 |
| Dairyland | $107 |
| Liberty Mutual | $125 |
| Liberty Mutual | $125 |
| Bristol West | $127 |
Disclaimer: Table data sourced from real-time Conway car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Conway may vary based on the policy buyer's unique driver profile.
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.
The below rates in Conway, AR, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $89 |
| USAA | $109 |
| Root | $125 |
| GEICO | $135 |
| National General | $142 |
| Safeco | $150 |
| Auto-Owners | $152 |
| Direct Auto | $152 |
| Trexis | $163 |
| Shelter | $196 |
| Allstate | $199 |
| Trexis One | $199 |
| Nationwide | $200 |
| Farmers | $201 |
| GAINSCO | $209 |
| Travelers | $212 |
| Liberty Mutual | $227 |
| Liberty Mutual | $227 |
| Dairyland | $246 |
| The General | $260 |
| Bristol West | $307 |
Disclaimer: Table data sourced from real-time Conway car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Conway may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Conway, Arkansas drivers
Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $90/mo for full coverage in Conway and other Arkansas cities.
*Quotes generated for Insurify users in and around Conway, Arkansas within the last 10 days. Last updated on April 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Conway, Arkansas within the last 10 days. Last updated on April 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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:
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| 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.
Find Car Insurance in Conway
Minimum coverage policies start at $41/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 $182 for full coverage and $100 for minimum coverage after a speeding ticket.
Here you can see how liability-only quotes change from several insurers.
The below rates in Conway, AR, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Clean Record | With Ticket |
|---|---|---|
| State Farm | $41 | $52 |
| USAA | $50 | $64 |
| Trexis | $58 | $72 |
| GEICO | $61 | $79 |
| Auto-Owners | $68 | $88 |
| Trexis One | $75 | $93 |
| Root | $70 | $93 |
| GAINSCO | $80 | $95 |
| Direct Auto | $81 | $101 |
| Safeco | $82 | $107 |
| Farmers | $91 | $116 |
| Allstate | $90 | $116 |
| Nationwide | $91 | $117 |
| Shelter | $89 | $117 |
| Travelers | $96 | $124 |
| The General | $97 | $129 |
| Dairyland | $107 | $132 |
| Liberty Mutual | $125 | $158 |
| Liberty Mutual | $125 | $158 |
| Bristol West | $127 | $159 |
Disclaimer: Table data sourced from real-time Conway car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Conway may vary based on the policy buyer's unique driver profile.
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 $189 per month for full coverage, and $104 for liability-only policies. Here, you can see how an at-fault accident affects the liability insurance quotes you’ll receive from leading insurers.
The below rates in Conway, AR, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Clean Record | With Accident |
|---|---|---|
| State Farm | $41 | $54 |
| USAA | $50 | $66 |
| Trexis | $58 | $75 |
| GEICO | $61 | $79 |
| Auto-Owners | $68 | $89 |
| Root | $70 | $93 |
| Trexis One | $75 | $97 |
| GAINSCO | $80 | $101 |
| Direct Auto | $81 | $109 |
| Safeco | $82 | $113 |
| Shelter | $89 | $119 |
| Allstate | $90 | $119 |
| Farmers | $91 | $120 |
| Nationwide | $91 | $121 |
| Travelers | $96 | $128 |
| The General | $97 | $132 |
| Dairyland | $107 | $140 |
| Liberty Mutual | $125 | $164 |
| Liberty Mutual | $125 | $164 |
| Bristol West | $127 | $165 |
Disclaimer: Table data sourced from real-time Conway car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Conway may vary based on the policy buyer's unique driver profile.
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 $213 per month for full coverage and $118 for minimum coverage. Here, you can see the type of quotes you can expect to get in Conway with a DUI on your record.
The below rates in Conway, AR, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Clean Record | With DUI |
|---|---|---|
| State Farm | $41 | $59 |
| USAA | $50 | $72 |
| Trexis | $58 | $84 |
| GEICO | $61 | $87 |
| Auto-Owners | $68 | $98 |
| Root | $70 | $102 |
| Trexis One | $75 | $109 |
| GAINSCO | $80 | $116 |
| Direct Auto | $81 | $117 |
| Safeco | $82 | $126 |
| Shelter | $89 | $130 |
| Allstate | $90 | $130 |
| Farmers | $91 | $132 |
| Nationwide | $91 | $132 |
| The General | $97 | $135 |
| Travelers | $96 | $139 |
| Dairyland | $107 | $155 |
| Liberty Mutual | $125 | $181 |
| Liberty Mutual | $125 | $181 |
| Bristol West | $127 | $184 |
Disclaimer: Table data sourced from real-time Conway car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Conway may vary based on the policy buyer's unique driver profile.
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 $133 per month for full coverage and $73 for liability-only. The following table shows quotes from top insurers for senior drivers in Conway.
The below rates in Conway, AR, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $33 | $72 |
| USAA | $42 | $91 |
| GEICO | $50 | $110 |
| Trexis | $52 | $147 |
| Auto-Owners | $55 | $123 |
| Root | $60 | $107 |
| Shelter | $65 | $144 |
| Trexis One | $68 | $179 |
| Direct Auto | $68 | $127 |
| GAINSCO | $70 | $183 |
| Nationwide | $71 | $157 |
| Safeco | $73 | $134 |
| Farmers | $74 | $163 |
| Allstate | $75 | $165 |
| Travelers | $79 | $174 |
| The General | $84 | $226 |
| Dairyland | $93 | $213 |
| Liberty Mutual | $107 | $194 |
| Liberty Mutual | $107 | $194 |
| Bristol West | $108 | $262 |
Disclaimer: Table data sourced from real-time Conway car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Conway may vary based on the policy buyer's unique driver profile.
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, $269 monthly for full coverage and $148 for liability-only policies. The following table shows quotes from top insurers for teen drivers in Conway.
The below rates in Conway, AR, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $80 | $174 |
| USAA | $93 | $203 |
| Trexis | $106 | $299 |
| GEICO | $111 | $246 |
| Root | $123 | $219 |
| Trexis One | $137 | $365 |
| Auto-Owners | $139 | $311 |
| GAINSCO | $145 | $378 |
| Direct Auto | $158 | $297 |
| Safeco | $167 | $306 |
| The General | $175 | $469 |
| Nationwide | $179 | $393 |
| Shelter | $179 | $394 |
| Allstate | $179 | $396 |
| Farmers | $183 | $404 |
| Dairyland | $187 | $429 |
| Travelers | $201 | $444 |
| Liberty Mutual | $220 | $400 |
| Liberty Mutual | $220 | $400 |
| Bristol West | $227 | $548 |
Disclaimer: Table data sourced from real-time Conway car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Conway may vary based on the policy buyer's unique driver profile.
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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.[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.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $211 |
| Good | $249 |
| Fair | $274 |
| Poor | $424 |
Is car insurance more expensive in Conway?
The average cost of an auto policy in the U.S. is $183 per month for full coverage and $97 per month for liability-only coverage. Arkansas' averages are $155 and $75, respectively.
Conway's average car insurance rates of $147 for full coverage and $81 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.
City | Full Coverage | Liability Only |
|---|---|---|
| Benton | $152 | $83 |
| Fayetteville | $156 | $82 |
| Jonesboro | $156 | $84 |
| Little Rock | $188 | $101 |
| Pine Bluff | $190 | $89 |
| Springdale | $164 | $83 |
Disclaimer: Table data is based on real-time Conway quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Conway car insurance FAQs
Finding the insurance policy 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 $81 per month for a liability-only car insurance policy. Meanwhile, a full-coverage insurance policy averages $147 per month. Your actual rates may be more or less than the average in your area, based on individual factors like your gender, age, driving history, and vehicle.
Which are the cheapest car insurance companies in Conway?
State Farm is the cheapest insurer for Conway drivers. Its liability-only rates start at $89 per month. USAA and Root also have cheap rates for Conway residents, with monthly minimum-coverage rates of $109 and $125, respectively.
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.
Sources
- Arkansas Department of Transportation. "Traffic Safety."
- J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
- A.M. Best. "USAA."
- Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
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