Best Cheap Auto Insurance in Conway, Arkansas (2023)

State Farm offers the best rates in Conway, but you should review several insurers to find the best car insurance rates.

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Anna Baluch
Anna Baluch
Updated September 20, 2023
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Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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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

Compare personalized, real-time quotes
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

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 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

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

Compare personalized, real-time quotes
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

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
  • 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

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

Compare personalized, real-time quotes
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

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

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 CompanyAverage Monthly Quote
State Farm30
USAA36
GEICO45
Auto-Owners50
Allstate65
Safeco65
Farmers66
Progressive70
State Auto73
Liberty Mutual79
Direct Auto93
Dairyland110
The General130
Bristol West144
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 CompanyAverage Monthly Quote
State Farm59
USAA72
GEICO89
Auto-Owners101
Nationwide111
Travelers130
Allstate132
Farmers134
Safeco139
Progressive142
Direct Auto155
State Auto196
Liberty Mutual201
Dairyland237
The General261
Bristol West320
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.

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Car insurance requirements in Arkansas

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

CoverageMinimum 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:

illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

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.

illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

Comprehensive insurance

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

illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

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 CompanyAverage Monthly Quote
State Farm89
USAA108
GEICO134
Auto-Owners152
Allstate199
Farmers202
Safeco209
Progressive214
Direct Auto233
State Auto295
Liberty Mutual303
Dairyland357
The General393
Bristol West482
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 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 CompanyAverage Monthly Quote
State Farm91
USAA111
GEICO138
Auto-Owners156
Allstate204
Farmers207
Safeco215
Progressive220
Direct Auto240
State Auto303
Liberty Mutual311
Dairyland367
The General404
Bristol West495
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 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 CompanyAverage Monthly Quote
State Farm103
USAA126
GEICO156
Auto-Owners176
Allstate231
Farmers234
Safeco243
Progressive248
Direct Auto271
State Auto342
Liberty Mutual351
Dairyland414
The General456
Bristol West559
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 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 CompanyAverage Monthly Quote
State Farm29
USAA35
GEICO44
Auto-Owners50
Allstate65
Farmers66
Safeco68
Progressive70
Direct Auto76
State Auto96
Liberty Mutual99
Dairyland117
The General128
Bristol West157
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 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 CompanyAverage Monthly Quote
State Farm115
USAA141
GEICO174
Auto-Owners197
Allstate258
Farmers262
Safeco271
Progressive277
Direct Auto303
State Auto383
Liberty Mutual392
Dairyland463
The General510
Bristol West625
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.

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.

CityAverage Monthly QuoteCompared to Conway
Fayetteville$2864%
Fort Smith$267-2%
Jacksonville$266-3%
Jonesboro$35128%
Little Rock$31013%
Rogers$263-4%
Springdale$2937%
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.

Sources

Anna Baluch
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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
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.

Featured in

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