Cheap Auto Insurance Quotes in Fayetteville, AR (2021)

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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.

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.

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Cheapest Car Insurance in Fayetteville, AR

Here are the cheapest carriers in Fayetteville 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.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Fayetteville. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Fayetteville, AR Driving Facts

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
arkansas

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
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 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.

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

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.

Conclusion: 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!

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

Insurify Rankings

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 Fayetteville stacks up for the state of Arkansas:

honda
Honda Civic
Most Popular Car in
Fayetteville, AR
suspended licenses
#25
Cities with Most
Suspended Licenses Rank

FAQs - Fayetteville, AR Car Insurance

Is comprehensive coverage required in Fayetteville?

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.

What happens if I drive in Fayetteville without insurance?

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.

How can I get cheap car insurance in Fayetteville?

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.