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Cheapest recent rates near Fayetteville, Arkansas
Drivers using Insurify have found quotes as cheap as $30/mo for liability only and $100/mo for full coverage in Fayetteville and other Arkansas cities.
*Quotes generated for Insurify users in and around Fayetteville, Arkansas within the last 10 days. Last updated on December 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fayetteville, Arkansas within the last 10 days. Last updated on December 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Average car insurance rates in Fayetteville are close to the Arkansas state-level average, but much higher than national averages. Fayetteville drivers see average monthly rates of $242 for full coverage and $122 for liability-only insurance. By contrast, the national averages are $202 and $105, respectively.
Arkansas has one of the highest fatal accident rates in the country, which contributes to the state's higher-than-average car insurance rates.[1] Fayetteville’s relatively average car insurance rates may be because of the city’s smaller population and low number of fatal car accidents – the city had just two fatal crashes in 2022.[2]
Here's what to know about how to find affordable car insurance in Fayetteville, Arkansas, and about the cheapest insurers offering coverage in the city.
Quick Facts
State Farm, USAA, and GEICO are the three cheapest insurers for Fayetteville drivers.
Modified comparative negligence standards apply in Arkansas, meaning you can’t collect damages if you’re 50% or more at fault for a car accident.[3]
By state law, insurance companies must offer a college graduate discount and defensive driver discount to qualifying drivers in Arkansas.[4]
Best car insurance companies in Fayetteville
Finding affordable car insurance coverage in Fayetteville is important, but landing a great deal requires more than going with the first car insurance agency you find. You should compare several companies, including the ones Insurify has identified as some of the best car insurance companies below.
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
$58
$30
Liability-only coverage
USAA
9.4
$71
$37
Military community
GEICO
9.0
$88
$46
Discounts
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.
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 insurer for liability-only coverage: State Farm
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.
$29/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
4.2
Best choiceBased on 9,279 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,097)
Roy
December 25, 2024
Verified Review
My State Farm
Know the coverages you need for auto and home.
Andrew
December 24, 2024
Verified Review
Drive Sensors are a Scam
Their 'Drive Safe and Save' setup is a scam that kills my discount. No matter how gently I brake, it registers it as a hard brake. Even when I present them with dash cam video that has the same timestamp and GPS location, they claim their inexpensive device is more accurate than my high-end dash cam.
Mary
December 23, 2024
Verified Review
Rob Becker State Farm is Perfect!
Rob Becker is wonderful! He always answers my calls and provides excellent service. My car has never been in better hands!
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.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 consistently has low rates for many Arkansas cities, including Fayetteville. Drivers who only need liability coverage will find competitive rates, a variety of standard and non-standard insurance coverages, and lower premiums through a variety of discounts from State Farm. Drivers who want the backing of a well-known company for their car insurance should consider State Farm.
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.
9.4 /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.
$34/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.
$71/mo
4.9
Best choiceBased on 1,650 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (944)
Ben
December 23, 2024
Verified Review
Best Insurance Coverage
This is an excellent company.
Hartine
December 23, 2024
Verified Review
My experience with customer service was not good.
I would not recommend getting a policy from USAA.
Marie
December 23, 2024
Verified Review
Disappointed with USAA's Car Insurance and Banking Services
I used to believe that USAA was expensive because they offered the best services, but my experience proved otherwise. I had been a customer for over 10 years and even convinced my then-husband to open a checking account with them. We then purchased auto insurance. However, after our separation, I was informed that he was the primary on the auto insurance and I had no rights to print an insurance card for my vehicle. Despite paying for the car insurance, I was unable to view the account. I was upset that they refused to discuss the account with me.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.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 serves the military community with car insurance and other insurance products, like home insurance and boat insurance. To purchase a policy, you must be an active, retired, or reserve military member or their family member. Once you have membership, you may enjoy top-rated and U.S.-based customer service. Because USAA offers a number of different types of insurance and financial products, members have the potential to save even more through bundling.
Pros
Savings possible via SafePilot usage-based insurance program
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.
9.0 /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.
$43/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 10,493 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,773)
Rudy
December 25, 2024
Verified Review
Overpriced
Too expensive.
Merry
December 25, 2024
Verified Review
New Policy Holder
My Geico policy is new. I have not had any claims with them.
Christopher
December 24, 2024
Verified Review
Great Job but Expensive
GEICO has been doing a great job taking care of the customer.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.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
GEICO lists 16 different discounts on its website, including some common ones for being a good student or a good driver. The nation's third-largest auto insurer by market share, GEICO also offers some different discounts too, such as for being a federal employee, using your seatbelt, and for having a new vehicle. It earned an AM Best financial strength rating of A++ (Superior).
Pros
Plenty of available discounts
Simple online claims process
Cons
Gap insurance and rideshare insurance not advertised
Below-average customer satisfaction ratings
How to get the cheapest car insurance in Fayetteville
Each auto insurer sets its own rates, so it’s important to explore all your options. These tips can help you lock in the best deal on car insurance in Fayetteville:
Shop around. Be sure to get free car insurance quotes from multiple car insurance companies. You’ll be able to zero in on a lower rate and the right coverage for your unique needs.
Take advantage of available discounts. Most car insurance companies offer discounts you might qualify for. Common discounts include a good student discount, vehicle safety features discount, safe driving discount, and loyalty discount.
Bundle your policy. If you need home insurance or renters insurance, bundling may be a good idea. Find a company that will give you a discount if you bundle your auto insurance with another policy.
Drive safely. Speeding tickets, at-fault accidents, and DUIs can increase your car insurance rates. Do your best to practice responsible driving habits to reduce your risk of these violations.
Cheapest liability-only car insurance in Fayetteville: State Farm
Arkansas requires every driver to purchase liability car insurance. This type of auto insurance coverage pays for the property damage and injuries of other drivers and passengers after an at-fault accident. It’s usually the cheapest type of auto insurance you can buy.
The table below shows the most affordable liability-only insurance companies in Fayetteville, Arkansas.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$29
USAA
$34
GEICO
$43
Auto-Owners
$49
Allstate
$63
Shelter
$63
Farmers
$64
Nationwide
$64
Root
$67
Progressive
$68
Travelers
$68
Safeco
$70
National General
$90
GAINSCO
$93
Dairyland
$94
Liberty Mutual
$120
The General
$125
Bristol West
$138
Direct Auto
$176
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 Fayetteville: State Farm
Full-coverage car insurance usually includes three types of coverages: liability, collision, and comprehensive. Compared to a liability-only policy full coverage is more expensive, but it offers greater financial protection. Also, if you have a loan or lease on your vehicle, your lender may require it. Here’s an overview of the cheapest full-coverage insurance companies in Fayetteville.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$59
USAA
$71
GEICO
$89
Auto-Owners
$100
Root
$115
Safeco
$128
Allstate
$131
Shelter
$131
Farmers
$132
Nationwide
$132
Travelers
$140
Progressive
$141
National General
$161
GAINSCO
$209
Dairyland
$234
Liberty Mutual
$256
The General
$264
Bristol West
$354
Direct Auto
$392
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 recent rates near Fayetteville, Arkansas
Drivers using Insurify have found quotes as cheap as $43/mo for liability only and $88/mo for full coverage in Fayetteville and other Arkansas cities.
*Quotes generated for Insurify users in and around Fayetteville, Arkansas within the last 10 days. Last updated on December 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fayetteville, Arkansas within the last 10 days. Last updated on December 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Arkansas
Arkansas is an at-fault — also called tort — state. This means the driver who caused the accident must pay for the damage and injury costs the drivers or passengers in another vehicle incur. Because the state also follows modified comparative negligence standards, you can only receive compensation for damages from the other driver if you’re less than 50% at fault.[3]
In addition, Arkansas requires drivers to carry bodily injury and property damage liability coverage to drive legally. But you can purchase optional coverage for extra peace of mind. You can expect to face legal and financial consequences if you’re unable to show proof of insurance.
Here are the minimum insurance requirements in Arkansas:[4]
Coverage
▲▼
Minimum Requirements
▲▼
Bodily injury liability
$25,000 per person and $50,000 per accident
Property damage liability
$25,000 per accident
Here are some optional auto policies in Arkansas that can offer more protection in various situations:
Comprehensive insurance
Comprehensive coverage can apply if an incident other than a car accident damages your car, like theft, falling objects, severe weather, or vandalism.
Collision insurance
Collision coverage pays to repair your vehicle if you hit an object or another vehicle, no matter who’s at fault.
Uninsured/underinsured motorist insurance
Uninsured and underinsured motorist coverage can protect you financially if a driver without enough insurance — or no insurance — causes an accident.
Personal injury protection (PIP) insurance
Also known as no-fault insurance, personal injury protection covers medical expenses, regardless of who caused the accident.
Gap insurance
Guaranteed asset protection coverage pays for the difference between your auto loan balance and insurance settlement after a total loss.
Cheapest car insurance for drivers with an incident
Incidents like at-fault accidents, speeding tickets, and DUIs can increase your car insurance premiums. This is because car insurance companies view these violations as high-risk driving behavior that makes you more likely to file a claim than a driver with a clean record. Fayetteville drivers with clean records usually pay less for an auto policy than those with spotty driving histories.
Find Car Insurance in Fayetteville, Arkansas
Insurify partners with 100+ top insurance companies to provide free quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding may increase your risk of losing control of your vehicle and is one of the most common causes of car accidents. If you have a speeding ticket on your record, insurance companies may consider you a high-risk driver and, in turn, charge you more for car insurance.
Fayetteville drivers with speeding citations see average car insurance rates of $353 per month for full coverage and $178 for liability only. The table below shows the cheapest monthly liability insurance quotes car insurers for drivers with a speeding ticket in Fayetteville, Arkansas.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Record
▲▼
With Ticket
▲▼
State Farm
$29
$38
USAA
$34
$45
GEICO
$43
$57
Auto-Owners
$49
$66
Allstate
$63
$84
Shelter
$63
$87
Farmers
$64
$85
Nationwide
$64
$86
Root
$67
$96
Progressive
$68
$90
Travelers
$68
$91
Safeco
$70
$94
National General
$90
$120
GAINSCO
$93
$133
Dairyland
$94
$125
Liberty Mutual
$120
$171
The General
$125
$170
Bristol West
$138
$185
Direct Auto
$176
$234
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: State Farm
An at-fault accident will likely lead to higher car insurance rates for three to five years, so it’s a good idea to shop around and find affordable coverage. Keep in mind that your auto insurance premiums may not increase if you have accident forgiveness on your policy.
Also, how much rates increase depends on the severity of the accident and the total value of the claim.[5] In Fayetteville, the average monthly cost of car insurance for drivers with accidents on their records is $184 for liability-only policies and $365 for full coverage.
Here’s a look at the cheapest minimum-coverage quotes in Fayetteville for drivers with an at-fault accident on their records.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Record
▲▼
With Accident
▲▼
State Farm
$29
$40
USAA
$34
$47
GEICO
$43
$60
Auto-Owners
$49
$69
Allstate
$63
$88
Shelter
$63
$92
Farmers
$64
$89
Nationwide
$64
$90
Root
$67
$100
Progressive
$68
$96
Travelers
$68
$95
Safeco
$70
$97
National General
$90
$125
GAINSCO
$93
$124
Dairyland
$94
$130
Liberty Mutual
$120
$178
The General
$125
$178
Bristol West
$138
$192
Direct Auto
$176
$251
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: State Farm
A DUI in Fayetteville is a serious offense. In addition to fines and jail time, you may pay higher rates for an auto policy compared to other drivers. And Arkansas might require you to purchase SR-22 insurance if the incident resulted in vehicular manslaughter. Also, it may be challenging to find an insurance company that’ll offer coverage, and those that do might charge sky-high rates.
A DUI pushes average car insurance rates in Fayetteville to $209 per month for minimum coverage and $414 for full coverage. The table below shows the most affordable liability-only car insurance quotes in Fayetteville for drivers with DUIs.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Record
▲▼
With DUI
▲▼
State Farm
$29
$49
USAA
$34
$57
GEICO
$43
$72
Auto-Owners
$49
$82
Allstate
$63
$106
Shelter
$63
$106
Farmers
$64
$107
Nationwide
$64
$107
Root
$67
$101
Progressive
$68
$114
Travelers
$68
$114
Safeco
$70
$106
National General
$90
$151
GAINSCO
$93
$156
Dairyland
$94
$158
Liberty Mutual
$120
$202
The General
$125
$210
Bristol West
$138
$232
Direct Auto
$176
$296
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: State Farm
Age-related changes to vision, mobility, and reaction times can make it difficult for many seniors to drive safely.[6] That’s why car insurance rates usually decrease around age 35 and increase at around age 70. Seniors need to do some research to find the most affordable coverage.
Fayetteville seniors see average car insurance costs of $191 per month for full coverage and $96 for liability policies. To start your search, here’s an overview of the cheapest car insurance options for seniors in Fayetteville.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
State Farm
$22
$45
USAA
$27
$55
GEICO
$33
$69
Auto-Owners
$38
$77
Shelter
$45
$93
Nationwide
$47
$96
Progressive
$48
$99
Allstate
$49
$103
Farmers
$49
$101
Travelers
$52
$107
Root
$55
$95
Safeco
$59
$107
National General
$67
$120
Dairyland
$73
$182
GAINSCO
$76
$171
Liberty Mutual
$98
$209
The General
$99
$208
Bristol West
$108
$277
Direct Auto
$134
$297
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: State Farm
Teenagers are young drivers with limited experience on the road and higher accident rates than older drivers. While they usually face more expensive car insurance, they can save money if they stay on their parents’ policy or take advantage of a good student discount.
Car insurance for teen drivers in Fayetteville averages $211 monthly for liability-only coverage and $418 for full coverage. The table below highlights the cheapest car insurance companies for teens and young drivers in Fayetteville.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
State Farm
$51
$103
USAA
$58
$121
GEICO
$70
$144
Auto-Owners
$83
$169
Root
$101
$173
Shelter
$106
$220
Farmers
$113
$233
Nationwide
$113
$234
Allstate
$114
$237
Progressive
$120
$249
Travelers
$124
$256
Safeco
$134
$245
Dairyland
$153
$380
GAINSCO
$162
$363
National General
$179
$319
The General
$200
$423
Liberty Mutual
$207
$442
Bristol West
$235
$602
Direct Auto
$325
$724
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.
Find Car Insurance in Fayetteville, Arkansas
Insurify partners with 100+ top insurance companies to provide free quotes
Secure. Free. Easy-to-use.
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Fayetteville 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. This is why some insurance companies look at credit scores of prospective policyholders to help determine rates.[7] Considering credit scores is illegal in some states, but Arkansas allows insurers to use credit scores when determining premiums.[8]
The chart below shows that a Fayetteville driver with excellent credit may pay $222 per month for car insurance, on average, while drivers with poor credit pay an average of $446 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 Fayetteville?
Fayetteville's average car insurance costs are in line with Arkansas state averages, but higher than national averages. It’s also important to note that car insurance costs in Arkansas vary by city and ZIP code as a result of different factors like population, weather conditions, and accident rates. For example, drivers pay more, on average, for an auto policy in Little Rock or Jonesboro than they do in Fayetteville.[9]
More cities in Arkansas
Here’s a look at the average monthly cost of car insurance in various cities in Arkansas.
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.
Fayetteville car insurance FAQs
Use Insurify’s guide on vehicle factors that can affect your car insurance rates while you shop for car insurance, and check out the answers to common questions about car insurance in Fayetteville, Arkansas.
How much is car insurance in Fayetteville?
The average cost of car insurance in Fayetteville is $242 per month for full coverage and $122 for liability-only, according to Insurify data. Those averages are near state levels. Full coverage averages $264 per month throughout Arkansas and liability averages $122.
Overall, Arkansas has higher-than-average car insurance costs. The national average for car insurance is $202 per month for full coverage and $105 for liability-only policies.
What are the cheapest car insurance companies in Fayetteville?
State Farm has the lowest rates for car insurance in Fayetteville, with liability-only rates that start at $59 per month. USAA and GEICO are the second- and third-cheapest insurers in Fayetteville, with minimum-coverage rates of $71 and $89 per month, respectively.
What are the best car insurance companies in Fayetteville?
Some of the best car insurance companies in Fayetteville, Arkansas, include GEICO, State Farm, and USAA. These companies have high Insurify Quality (IQ) Scores, low average premiums compared to other insurers, and strong financial stability ratings.
However, the best — and cheapest — auto insurer varies depending on your needs and driver profile. What’s cheapest for you may not be cheapest for someone else, so it’s important to compare quotes to find the best rates for your situation.
What types of car insurance coverage options are available to drivers in Fayetteville, Arkansas?
Many standard car insurance coverage options are available to Fayetteville drivers. Liability, collision, comprehensive, gap, personal injury protection, and uninsured/underinsured motorist coverage are just a few options that insurers offer. Some coverages, like rideshare insurance, may be difficult to find, as it’s a relatively new policy type that isn’t available in every state.
How do you find the best car insurance rates in Fayetteville, Arkansas?
Shopping for quotes, looking for discounts, and bundling policies are just a few ways to find the best car insurance rates in Fayetteville. These tactics will help you discover which company can offer the lowest rate. And if you purchase more than one policy with the same insurer, you can usually get a discount.
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.
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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.
Anna has been a contributor at Insurify since December 2022.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
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