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Cheap Auto Insurance Quotes in Fayetteville, AR (May 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Home to the site of a Civil War battle and nestled among a beautiful forest, Fayetteville is a hidden gem in Arkansas. Under 90,000 people call it home, and with multiple highways and freeways intersecting the area, it’s fairly easy to navigate. Driving in the winter months should be taken seriously, as inclement weather can create accidents at a moment’s notice. It’s best for Fayetteville residents to purchase a comprehensive car insurance policy to offer peace of mind when on the road.

Quick Facts

  • The average cost of car insurance in Fayetteville is $348 per month, or $4176 annually.
  • Car insurance in Fayetteville is $167 more than the average cost of car insurance in Arkansas.
  • The cheapest car insurance provider in Fayetteville on average is Dairyland, but you should always compare quotes to find your best personal rate.

Car Insurance in Fayetteville, AR

The average cost of Arkansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Fayetteville, AR to find you the cheapest quotes in the area.

Quotes by Top Companies

State Farm
$59
Allstate
$73
Nationwide
$93
Direct Auto
$165
The General
$199

Cheapest Car Insurance in Fayetteville, AR

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in FayettevilleQuotes
State Farm$59 /mo
Allstate$73 /mo
Nationwide$93 /mo
Direct Auto$165 /mo
The General$199 /mo

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Best Car Insurance in Fayetteville, AR

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Fayetteville. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
American Family89$198 /mo
Safeco86$148 /mo
Liberty Mutual82$217 /mo

Average Car Insurance Cost

Arkansas Cities
Little Rock$190/mo
Fort Smith$150/mo
Springdale$130/mo
Jonesboro$202/mo
Fayetteville$138/mo
Arkansas$162/mo
Springdale
$130
Fayetteville
$138
Fort Smith
$150
Average for AR
$162
Little Rock
$190
Jonesboro
$202
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in AK

Arkansas' minimum liability auto insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Fayetteville Car Insurance Rates by Driver Age

In Fayetteville, teenagers with a part-time job should be able to save enough to afford a $318 monthly car insurance payment. Even that cost is less than what many experienced drivers pay outside the Natural State. Twentysomethings see their monthly price come down by over $100 because they have more years behind the wheel than the teens. After people leave their 20s, they get a cost below the state average of $210. Drivers past retirement age in their 70s get the lowest rate, paying less than a third of the youngest drivers at $97.

Driver's AgeAvg. Monthly Cost
teens$319
20s$208
30s$172
40s$146
50s$131
60s$189
70s$98
80s$180

Fayetteville Car Insurance Rates by Driving and Accident History

Safe driving is financially savvy driving in Fayetteville, and insurance companies agree. That’s why they offer “good driver” and “accident-free” discounts to people with clean records. These drivers pay $55 less per month than those with speeding tickets, which means following the posted limit saves $660 per year. Even with a failure to stop or speeding ticket, drivers in Fayetteville still pay less than the state average. After three years, violations and accidents fall off the driving record, qualifying people for the best rates.

Driving HistoryAvg. Monthly Cost
No Violation$183
Speeding Ticket$226
At-Fault Accident$235
Failure to Stop for Red Light / Stop Sign$179

Fayetteville Car Insurance Rates by Credit Tier

Arkansans scratch their heads when trying to figure out what their credit history has to do with their driving ability. The state allows insurance companies to use credit as a factor to decide rates. If so, why do those with average credit pay less than those with good or excellent credit? Drivers with better credit often finance costlier cars and choose higher levels of coverage to protect their assets. People with poor credit should try to improve their score and realize an $18 per month savings, which amounts to over $200 per year.

Credit TierAvg. Monthly Cost
Excellent$193
Good$188
Average$172
Poor$194

Find local Fayetteville agents

  • Bittle Armstrong Insurance

    3887 N Crossover Rd,
    Fayetteville, AR 72703
  • First Arkansas Insurance/NWA Arkansas

    One West Mountain,
    Fayetteville, AR 72701
  • Eason Insurance Agency, Inc.

    7 Colt Square,
    Ste 1, Fayetteville, AR 72703
  • McGriff Insurance Services

    1465 E Joyce Blvd,
    Ste 205, Fayetteville, AR 72703-5207
  • A&B Risk Managers, LLC.

    4259 W. American Dr.,
    Fayetteville, AR 72714
  • Sims Insurance Inc dba Sims & Renner

    1280 E. Stearns St.,
    Fayetteville, AR 72703
  • Adams Insurance & Financial

    3078 N College Ave.,
    Fayetteville, AR 72703
  • McNair & Associates

    104 N East,
    Fayetteville, AR 72701
  • Davis & Garratt Insurance Group Inc.

    3790 N. Bellafont Blvd.,
    Ste. 1, Fayetteville, AR 72703
  • Stephens Insurance, LLC - Fayetteville

    3425 North Futrall Drive,
    Fayetteville, AR 72703
View more

Fayettville, AR DMV Information

Trying to access DMV services in Fayetteville is similar to searching for a needle in a haystack. The city has one office to serve residents, and it’s open Monday through Friday from 7 a.m. to 6 p.m. While that may sound adequate, Fayetteville is one of the larger cities in Northwest Arkansas, and its DMV office serves many surrounding areas. It’s recommended that you arrive right when they open to reduce your wait time.

Public Transportation in Fayettville, AR

As this metropolitan area isn’t very large, it’s not surprising that there aren’t many options for public transportation. The ORT, Ozark Regional Transit, offers free travel within the city itself and also ventures to other neighboring areas. Razorback Transit is operated by the University of Arkansas and is another way to get around town with ease. Ridesharing options like Uber and Lyft are also available.

How to get the best and cheapest car insurance in Fayettville, AR

Driving in and around Fayetteville is relatively easy, and as long as you obey Arkansas driving laws, you’ll likely run into few issues. Keep in mind that streets near the University of Arkansas can become congested at times, but there are plenty of alternate routes available.

Whether you’re new to Fayetteville or have been living there for some time, it’s never a bad idea to see if you can save money on your car insurance. Head over to Insurify today to see just how affordable a comprehensive policy can actually be!

FAQs - Fayetteville, AR Car Insurance

  • Arkansas drivers are only required to enroll in liability protection when they purchase auto insurance. It’s recommended that you opt for comprehensive coverage if you drive frequently.
  • Motorists who are caught without auto coverage have 10 days to submit proof of insurance. If you cannot provide insurance information in this time frame, you will have your license suspended and face a fine of up to $250.
  • The best place to find affordable auto coverage is through Insurify. You can compare quotes in a matter of minutes, explore discounts you might be eligible for, and get the best price on a policy.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Fayetteville Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Fayetteville, Arkansas below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Fayetteville drivers measure up to their fellow motorists across Arkansas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Fayetteville

#10

City with the Most Speeding Tickets Rank in Arkansas

#6

City with the Most Moving Violations Rank in Arkansas

#1

City with the Most DUIs Rank in Arkansas

#20

City with the Most Suspended Licenses in Arkansas

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Fayetteville drivers rank 4 in the number of car accidents per driver across all cities in Arkansas.

    • Rank within state: #4
    • Percent of drivers in Fayetteville with an accident: 11.95%
    • Drivers in Fayetteville, AR with an accident in their driving history pay on average 53.59% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Arkansas, Fayetteville drivers rank 10 in the number of speeding infractions per driver.

    • Rank within state: #10
    • Percent of drivers in Fayetteville with a speeding ticket: 10.07%
    • Drivers in Fayetteville, AR with a speeding ticket in their driving history pay on average 47.06% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Fayetteville drivers rank 1 in the number of DUI’s per driver across all cities in Arkansas.

    • Rank within state: #1
    • Percent of drivers in Fayetteville with a DUI: 3.3%
    • Drivers in Fayetteville, AR with a DUI in their driving history pay on average 22.88% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Fayetteville is the Ford F-Series Pickup.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Arkansas, Fayetteville drivers rank 9 in rude driving infractions.

    • Rank within state: #9
    • Percent of drivers in Fayetteville with a reckless driving violation: 2.03%
    • Drivers in Fayetteville, AR with a reckless driving violation in their driving history pay on average 62.75% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Fayetteville drivers rank 19 in clean driving records across all cities in Arkansas.

    • Rank within state: #19
    • Percent of drivers in Fayetteville with clean record: 78.96%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Fayetteville drivers rank 3 in failure to yield violations per driver across all cities in Arkansas.

    • Rank within state: #3
    • Percent of drivers in Fayetteville with a failure to yield violation: 0.9%
    • Drivers in Fayetteville, AR with a failure to yield violation in their driving history pay on average 900% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Arkansas, Fayetteville drivers rank 9 in the number of reckless driving offenses per driver.

    • Rank within state: #9
    • Percent of drivers in Fayetteville with a reckless driving offense: 0%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Fayetteville drivers rank 26 in hybrid and electric vehicle ownership across all cities in Arkansas.

    • Rank within state: #26
    • Percent of drivers in Fayetteville with a hybrid/electric vehicle: 0.34%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others

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