Cheap Auto Insurance in Fayetteville, Arkansas (2024)
State Farm offers the cheapest car insurance for Fayetteville drivers, with minimum-coverage rates starting at $58 per month.
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Written byAnna Baluch
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Courtney MikulskiSenior Editor, Auto
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Updated October 29, 2024
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Table of contents
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 $278 for full coverage and $113 for liability-only insurance. By contrast, the national averages are $211 and $104, 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 | $61 | $30 | Liability-only coverage |
| USAA | 9.4 | $74 | $36 | Military community |
| GEICO | 9.0 | $91 | $45 | 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 28,000 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
| User Reviews | 4.2 |
|---|---|
| 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. | $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. | $58/mo |
4.2
Best choiceBased on 8831 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 (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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.
Pros
Strong financial strength ratings
Rental car and travel expenses coverage
Cons
Gap insurance not available
Can’t purchase a policy online
Best insurer for military members: 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. | 9.4 /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. | $35/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 1573 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 (897)
Kent
October 29, 2024
Verified Review
Excellent
The insurance is a bit high.
Dorothy
October 29, 2024
Verified Review
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin
October 29, 2024
Verified Review
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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
High customer satisfaction ratings
Cons
Only for military members and their families
Gap insurance not available
Best insurer for discounts: GEICO
| 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. | 9.0 /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. | $44/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. | $88/mo |
4.0
Best choiceBased on 10113 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 (5,563)
Herman
October 29, 2024
Verified Review
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg
October 29, 2024
Verified Review
It's Expensive
It's expensive.
Robert
October 29, 2024
Verified Review
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $29 |
| USAA | $35 |
| GEICO | $44 |
| Auto-Owners | $49 |
| Safeco | $53 |
| National General | $63 |
| Shelter | $63 |
| Allstate | $64 |
| Farmers | $64 |
| Nationwide | $64 |
| Progressive | $68 |
| Travelers | $68 |
| Hallmark | $87 |
| Liberty Mutual | $90 |
| GAINSCO | $94 |
| Dairyland | $95 |
| Midvale Home & Auto | $98 |
| The General | $126 |
| Direct Auto | $146 |
| Bristol West | $147 |
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, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $58 |
| USAA | $71 |
| GEICO | $88 |
| Auto-Owners | $99 |
| Safeco | $118 |
| Shelter | $129 |
| Allstate | $130 |
| Nationwide | $131 |
| Farmers | $132 |
| Progressive | $139 |
| Travelers | $139 |
| Midvale Home & Auto | $164 |
| National General | $166 |
| State Auto | $184 |
| GAINSCO | $206 |
| Liberty Mutual | $215 |
| Dairyland | $238 |
| Hallmark | $239 |
| The General | $261 |
| Direct Auto | $332 |
| Bristol West | $362 |
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 $57/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 October 29, 2024
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 October 29, 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 October 29, 2024
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 October 29, 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.
)
How Much Car Insurance Do You Need?
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
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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 $407 per month for full coverage and $166 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, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| State Farm | $29 | $38 |
| USAA | $35 | $46 |
| GEICO | $44 | $58 |
| Auto-Owners | $49 | $65 |
| Safeco | $53 | $71 |
| National General | $63 | $84 |
| Shelter | $63 | $87 |
| Allstate | $64 | $85 |
| Farmers | $64 | $84 |
| Nationwide | $64 | $86 |
| Progressive | $68 | $90 |
| Travelers | $68 | $91 |
| Liberty Mutual | $90 | $129 |
| GAINSCO | $94 | $134 |
| Dairyland | $95 | $126 |
| The General | $126 | $169 |
| Direct Auto | $146 | $193 |
| Bristol West | $147 | $195 |
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 $171 for liability-only policies and $420 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, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $29 | $40 |
| USAA | $35 | $48 |
| GEICO | $44 | $61 |
| Auto-Owners | $49 | $68 |
| Safeco | $53 | $72 |
| National General | $63 | $88 |
| Shelter | $63 | $91 |
| Allstate | $64 | $89 |
| Farmers | $64 | $88 |
| Nationwide | $64 | $89 |
| Progressive | $68 | $95 |
| Travelers | $68 | $95 |
| Liberty Mutual | $90 | $133 |
| GAINSCO | $94 | $125 |
| Dairyland | $95 | $131 |
| The General | $126 | $177 |
| Direct Auto | $146 | $206 |
| Bristol West | $147 | $202 |
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 $193 per month for minimum coverage and $475 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, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $29 | $49 |
| USAA | $35 | $59 |
| GEICO | $44 | $74 |
| Auto-Owners | $49 | $82 |
| Safeco | $53 | $89 |
| National General | $63 | $106 |
| Shelter | $63 | $106 |
| Allstate | $64 | $108 |
| Farmers | $64 | $108 |
| Nationwide | $64 | $108 |
| Progressive | $68 | $114 |
| Travelers | $68 | $114 |
| Liberty Mutual | $90 | $151 |
| GAINSCO | $94 | $158 |
| Dairyland | $95 | $160 |
| The General | $126 | $212 |
| Direct Auto | $146 | $245 |
| Bristol West | $147 | $247 |
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 $212 per month for full coverage and $86 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, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $22 | $43 |
| USAA | $27 | $55 |
| GEICO | $34 | $67 |
| Auto-Owners | $37 | $75 |
| Safeco | $43 | $96 |
| Shelter | $43 | $88 |
| National General | $46 | $122 |
| Nationwide | $46 | $94 |
| Progressive | $47 | $95 |
| Farmers | $48 | $99 |
| Allstate | $49 | $100 |
| Travelers | $51 | $105 |
| Liberty Mutual | $72 | $173 |
| Dairyland | $73 | $182 |
| GAINSCO | $76 | $166 |
| The General | $99 | $205 |
| Direct Auto | $109 | $249 |
| Bristol West | $113 | $279 |
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 $193 monthly for liability-only coverage and $474 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, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $49 | $98 |
| USAA | $58 | $117 |
| GEICO | $69 | $138 |
| Auto-Owners | $82 | $166 |
| Safeco | $105 | $233 |
| Shelter | $105 | $216 |
| Nationwide | $109 | $224 |
| Farmers | $111 | $229 |
| Allstate | $112 | $227 |
| Progressive | $120 | $245 |
| Travelers | $121 | $248 |
| National General | $123 | $324 |
| Dairyland | $154 | $386 |
| Liberty Mutual | $158 | $376 |
| GAINSCO | $162 | $355 |
| The General | $198 | $411 |
| Bristol West | $246 | $605 |
| Direct Auto | $263 | $598 |
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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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.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Conway | $286 | $122 |
| Fort Smith | $253 | $106 |
| Jonesboro | $286 | $130 |
| Little Rock | $325 | $149 |
| Springdale | $278 | $115 |
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 $278 per month for full coverage and $113 for liability-only, according to Insurify data. Those averages are near state levels. Full coverage averages $280 per month throughout Arkansas and liability averages $122.
Overall, Arkansas has higher-than-average car insurance costs. The national average for car insurance is $211 per month for full coverage and $104 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 $58 per month. USAA and GEICO are the second- and third-cheapest insurers in Fayetteville, with minimum-coverage rates of $71 and $88 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
- 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.
Related articles
More cities in Arkansas
Sources
- Insurance Institute for Highway Safety. "Fatality Facts."
- Arkansas Department of Transportation. "2018-2022 Arkansas Crash Analytics Tool (ACAT)."
- Nolo. "Arkansas Auto Accident Laws."
- Arkansas Insurance Department. "Consumers FAQ."
- III. "Do auto insurance premiums go up after a claim?."
- III. "Senior driving safety and insurance tips."
- NAIC. "Credit-Based Insurance Scores."
- Arkansas Insurance Department. "Understanding How Insurers Use Credit Information."
- III. "What determines the price of an auto insurance policy?."
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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.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney ’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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