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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 | Quotes |
|---|---|
 Allstate | $82/mo |
 Nationwide | $103/mo |
 Direct Auto | $155/mo |
 The General | $236/mo |
 American Family | $250/mo |
| Best Companies | Quotes | |
|---|---|---|
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 | Avg. Monthly Cost |
|---|---|
| teens | $339 |
| 20s | $244 |
| 30s | $179 |
| 40s | $180 |
| 50s | $176 |
| 60s | $155 |
| 70s | $150 |
| 80s | N/A |
| Driving History | Avg. Monthly Cost |
|---|---|
| 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 | Avg. Monthly Cost |
|---|---|
| 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!
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Conway stacks up for the state of Arkansas:
