Fayetteville is situated in the Ozarks Region of Arkansas and is the place to be for outdoor lovers. But to enjoy all the biking and hiking attractions the city has to offer, you may need a car. And if you use a car, you need an auto insurance policy.

On average, Fayetteville drivers pay $154 per month for a liability-only policy and $288 for full-coverage car insurance. These figures are in line with Arkansas’ averages of $161 per month for liability only and $283 for full coverage. Here’s what you need to know about finding cheap and affordable car insurance in Fayetteville.

Quick Facts

Fayetteville drivers pay a bit more for full-coverage car insurance than the Arkansas average.
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.^[1]
By state law, insurance companies must offer a college graduate discount and defensive driver discount to qualifying drivers in Arkansas.^[2]

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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.

Best insurer for liability-only coverage: State Farm

Liability-Only CoverageState Farm

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.4
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	842
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.	$28/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.	$57/mo

Overview

State Farm has offered car insurance for more than 100 years. It provides a variety of standard and non-standard insurance coverages and lower premiums through a variety of discounts. Drivers who want the backing of a well-known company for their car insurance should consider State Farm.

Pros and cons

Pros

Strong financial strength ratings
Rental car and travel expenses coverage

Cons

Gap insurance not available
Can’t purchase a policy online

Reviews

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023

Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023

Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023

Verified

Read our State Farm review

Best insurer for military members: USAA

military membersUSAA

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	880
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.	$69/mo

Overview

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, and reserve military member or their family member to purchase a policy. Once you have membership, you may enjoy top-rated and U.S.-based customer service.

Pros and cons

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

Reviews

They are the best in customer service.

Brenda - September 13, 2023

Verified

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023

Verified

Great operation since I was a Lt.

raymond - September 7, 2023

Verified

Read our USAA review

Best insurer for discounts: GEICO

discountsGEICO

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	835
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.	$85/mo

Overview

The Government Employees Insurance Company, now known as GEICO, has been around since 1936. In addition to car insurance, GEICO sells insurance products like home insurance, renters insurance, and condo insurance. It earned an A.M. Best financial strength rating of A++ (Superior).

Pros and cons

Pros

Plenty of available discounts
Simple online claims process

Cons

Gap insurance and rideshare insurance not advertised
Below-average customer satisfaction ratings

Reviews

Unwilling to work with clients. Especially senior citizens on a fixed income.

Janina - September 10, 2023

Verified

Awesome customer service, good prices, easy to deal with.

Kathleen - September 9, 2023

Verified

Good treatment in responding to questions and handling of my accident, especially because I was not at fault. No hesitation in paying the repair bill and then collecting from the at-fault insurance company client's policy.

James - September 7, 2023

Verified

Read our GEICO review

Cheapest liability-only car insurance in Fayetteville

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: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
State Farm	28
USAA	34
GEICO	43
Auto-Owners	48
National General	58
Safeco	62
Shelter	62
Allstate	63
Farmers	64
Nationwide	64
Progressive	67
Travelers	67
State Auto	72
Liberty Mutual	76
Hallmark	85
Direct Auto	89
Midvale Home & Auto	90
GAINSCO	94
Dairyland	105
The General	125
Bristol West	143

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

Full-coverage car insurance usually includes three types of coverages: liability, collision, and comprehensive coverage. Compared to a liability-only policy it’s more expensive, but it offers extra 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: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
State Farm	57
USAA	69
GEICO	85
Auto-Owners	96
Nationwide	118
Travelers	124
Shelter	125
Allstate	126
Farmers	127
Safeco	134
Progressive	135
National General	151
Direct Auto	159
Midvale Home & Auto	168
State Auto	194
GAINSCO	197
Liberty Mutual	198
Hallmark	217
Dairyland	230
The General	253
Bristol West	319

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Age

Credit Score

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*Estimate based on a market average of rates provided to other users like you.

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I’m a good driver

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I’m a homeowner

Save 8%

I’m married

Save 23%

I have multiple cars

Save 39%

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.^[1]

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:^[2]

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? (2023)

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

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.

The table below shows the cheapest car insurers for drivers with a speeding ticket in Fayetteville, Arkansas.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	85	42
USAA	103	51
GEICO	127	64
Auto-Owners	144	72
Nationwide	177	96
Travelers	186	100
Shelter	187	93
Allstate	189	94
Farmers	190	96
Safeco	201	93
Progressive	202	100
National General	226	87
Direct Auto	238	133
Midvale Home & Auto	252	135
State Auto	290	108
GAINSCO	295	141
Liberty Mutual	296	114
Hallmark	325	127
Dairyland	344	157
The General	379	187
Bristol West	478	214

Cheapest car insurance for drivers with an at-fault accident

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.^[3] Here’s a look at the cheapest insurance companies in Fayetteville for drivers with an at-fault accident on their records.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	88	43
USAA	107	53
GEICO	132	67
Auto-Owners	149	74
Nationwide	183	99
Travelers	192	104
Shelter	194	96
Allstate	195	98
Farmers	197	99
Safeco	208	96
Progressive	209	104
National General	234	90
Direct Auto	246	138
Midvale Home & Auto	260	140
State Auto	301	112
GAINSCO	305	146
Liberty Mutual	307	118
Hallmark	336	132
Dairyland	357	163
The General	392	194
Bristol West	495	222

Cheapest car insurance for drivers with a DUI

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.

The table below shows the most affordable car insurance companies in Fayetteville for drivers with DUIs.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	100	49
USAA	121	60
GEICO	149	75
Auto-Owners	168	84
Nationwide	207	112
Travelers	217	117
Shelter	219	109
Allstate	221	110
Farmers	222	112
Safeco	235	109
Progressive	236	117
National General	264	102
Direct Auto	278	156
Midvale Home & Auto	294	158
State Auto	340	126
GAINSCO	345	165
Liberty Mutual	347	133
Hallmark	380	149
Dairyland	403	184
The General	443	219
Bristol West	558	250

Cheapest car insurance for seniors

Slow reaction times, poor vision, and other impairments make it difficult for many seniors to drive safely.^[4] That’s why car insurance rates usually decrease around age 35 and increase at around age 75. Seniors need to do some research to find the most affordable coverage.

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: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	29	14
USAA	35	17
GEICO	43	22
Auto-Owners	48	24
Nationwide	60	32
Shelter	63	31
Travelers	63	34
Allstate	64	32
Farmers	64	32
Progressive	68	34
Safeco	68	31
National General	76	29
Direct Auto	80	45
Midvale Home & Auto	85	45
State Auto	98	36
GAINSCO	99	47
Liberty Mutual	100	38
Hallmark	110	43
Dairyland	116	53
The General	128	63
Bristol West	161	72

Cheapest car insurance for teens

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.

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: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	111	55
USAA	135	66
GEICO	166	84
Auto-Owners	187	94
Nationwide	230	125
Travelers	242	131
Shelter	244	121
Allstate	246	123
Farmers	248	125
Safeco	262	121
Progressive	264	131
National General	295	113
Direct Auto	310	174
Midvale Home & Auto	328	176
State Auto	379	141
GAINSCO	385	184
Liberty Mutual	387	148
Hallmark	424	166
Dairyland	449	205
The General	494	244
Bristol West	623	279

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.

Find Car Insurance in Fayetteville, Arkansas

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Based on 3,806+ reviews

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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.^[5] Considering credit scores is illegal in some states, but Arkansas allows insurers to use credit scores when determining premiums.^[6]

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?

Average liability-only car insurance premiums in Fayetteville are a bit cheaper than the national average. 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.^[7]

More cities in Arkansas

Here’s a look at the average cost of full-coverage car insurance in various cities in Arkansas and how they compare to Fayetteville.

City	Average Monthly Quote	Compared to Fayetteville
Conway	$275	-5%
Fort Smith	$268	-7%
Hot Springs National Park	$260	-10%
Jacksonville	$269	-7%
Jonesboro	$354	23%
Little Rock	$309	7%
Rogers	$255	-11%
Springdale	$294	2%

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.

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 $154 for liability only and $288 for full-coverage car insurance.
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.

More cities in Arkansas

Popular cities

Sources

Nolo. "Arkansas Auto Accident Laws." Accessed July 21, 2023
Arkansas Insurance Department. "Consumers FAQ." Accessed July 21, 2023
III. "Do auto insurance premiums go up after a claim?." Accessed July 21, 2023
III. "Senior driving safety and insurance tips." Accessed July 21, 2023
NAIC. "Credit-Based Insurance Scores." Accessed July 21, 2023
Arkansas Insurance Department. "Understanding How Insurers Use Credit Information." Accessed July 21, 2023
III. "What determines the price of an auto insurance policy?." Accessed July 21, 2023

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.

Learn More

Edited byCourtney MikulskiSenior Editor, Auto

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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Table of contents

Table of contentsCompare quotes

Find Car Insurance in Fayetteville, Arkansas

Best car insurance companies in Fayetteville

Best insurer for liability-only coverage: State Farm

Liability-Only CoverageState Farm

Best insurer for military members: USAA

military membersUSAA

Best insurer for discounts: GEICO

discountsGEICO

Cheapest liability-only car insurance in Fayetteville

Cheapest full-coverage car insurance in Fayetteville

Estimate your insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in Arkansas

Comprehensive insurance

Collision insurance

Uninsured/underinsured motorist insurance

Personal injury protection (PIP) insurance

Gap insurance

How Much Car Insurance Do You Need? (2023)

Cheapest car insurance for drivers with an incident

Find Car Insurance in Fayetteville, Arkansas

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Fayetteville

Find Car Insurance in Fayetteville, Arkansas

Fayetteville car insurance quotes by credit tier

Rates by Credit Tier

Is car insurance more expensive in Fayetteville?

More cities in Arkansas

Fayetteville car insurance FAQs

Methodology

Related articles

More cities in Arkansas

Popular cities

Sources

Compare Car Insurance Quotes Instantly

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