Cheap Auto Insurance in Springdale, Arkansas (2024)

Springdale drivers can find the lowest car insurance rates through State Farm. The insurer's minimum-coverage policies start at $30 per month.

Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

Featured in

media logomedia logo
Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo

Updated June 13, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Springdale, Arkansas

Recent Springdale, Arkansas car insurance prices for Ford, Jeep, Nissan , and more.

*Quotes generated for Insurify users in and around Springdale, Arkansas within the last 10 days. Last updated on June 12, 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Springdale, Arkansas within the last 10 days. Last updated on June 12, 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance rates in Springdale are on par with Arkansas' average costs, which means they're higher than national averages. Springdale drivers pay, on average, $275 per month for full coverage and $111, according to Insurify data. Arkansas' averages are similar, but national average costs are significantly lower – $215 and $105, respectively.

Arkansas' higher-than-average fatality rate contributes to higher insurance costs in the state. Fortunately, Springdale has a comparatively low rate of fatal crashes,[1] which likely helps keep its car insurance costs more in line with the state's. Comparing quotes from multiple insurers could help Springdale residents find below-average rates.

Quick Facts
  • State Farm, USAA, and GEICO are the cheapest insurers for Springdale drivers.

  • Springdale had 2,658 crashes in 2022, 13 of which were fatal. In most accidents, drivers weren't injured at all.

  • With nearly 1,800 residents per square mile,[2] Springdale is densely populated, which could lead to traffic congestion and accidents.

Cheapest car insurance companies in Springdale

Researching the most affordable car insurance coverage options in Springdale is important — especially if you have a tight budget. You don’t need to find the cheapest coverage, but you should aim for the right amount of coverage for your needs at a price point that works for you.

Here’s a breakdown of some affordable car insurance companies in Springdale.

Insurance CompanyIQ 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.
Full CoverageLiability OnlyBest For
State Farm4.6$59$29Cheap coverage
USAA4.7$72$35Seniors
GEICO4.4$89$44Teenagers
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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best car insurance for a DUI: State Farm

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.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
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.
$30/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.
$61/mo

State farm consistently offers some of the lowest minimum-coverage rates for drivers of every type and age group in Springdale. On top of its low rates, the insurer offers multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Higher-than-average customer satisfaction rating in J.D. Power's 2023 U.S. Auto Insurance Study

  • Offers rideshare insurance

Cons
  • No gap insurance offering

  • Can't buy a policy online

Read our State Farm review
Laudita - June 13, 2024
Verified

No Consideration at All, They Don't Care About the Years Spent With Them

They doubled my insurance premium without any reason. I haven't had an accident in the last 10 years.

Luisa - June 13, 2024
Verified

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

Daniel - June 13, 2024
Verified

Excellent

I have no complaints. It has been very good.

Best car insurance for seniors: USAA

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.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
879
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.
$36/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.
$74/mo

About 10% of Springfield's population is older than 65, and the city is home to more than 3,000 veterans. Senior drivers who are veterans will find affordable coverage and superior customer service with USAA. The insurer, which only provides coverage to active-duty members of the military, veterans, or their qualifying family members, consistently scores the highest of any insurer in J.D. Power customer satisfaction studies.

Pros
  • Low rates

  • SafePilot program rewards good driving with up to 30% discount

Cons
  • Limited to members of the military community

  • No 24/7 customer phone support

Read our USAA review
Dorothy - June 13, 2024
Verified

Price

It's a good company, but the price increases every year.

Steven - June 13, 2024
Verified

Hopeless

I am a disabled veteran. I lost my phone and got a new number. I needed to adjust my policy and had forgotten my old phone number and password codes. They would not allow access to my account to make changes. It became a nightmare. Otherwise, they are a good company.

Harold - June 9, 2024
Verified

Great

I have been with them for 30 years.

Best car insurance for teenagers: GEICO

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.
4.4
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.
$45/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.
$92/mo

GEICO's rates for teen drivers in Springdale are competitive, but it's the insurer's discounts that make it a good choice for families with teenagers on their policies. GEICO offers numerous discounts that can help drivers mitigate the cost of having a teen driver in the household, including ones for vehicle safety equipment, having multiple vehicles on one policy, and a teen who gets good grades. Teens' parents can also qualify for additional discounts if they're a federal employee, in the military, or affiliated with certain groups.

Pros
  • Good rates for most drivers, including teens

  • Accident forgiveness coverage available

Cons
  • May not be the cheapest choice for drivers with moving violations

  • Doesn't offer new car replacement coverage

Read our GEICO review
Joyce - June 13, 2024
Verified

Excellent

Use Geico, they will work with you.

Polly - June 13, 2024
Verified

Very Sad

The rates are too high.

Larry - June 12, 2024
Verified

Poor

The insurance is overpriced.

How to get the cheapest car insurance in Springdale

Finding cheap car insurance in Springdale involves considering various factors. Insurance companies assess your driving history, the type of vehicle you own, your age, and your credit rating.

To secure affordable rates, follow these tips:

  • Keep a clean record. Maintain a clean driving record by avoiding accidents and traffic violations. Safe drivers earn the lowest rates when accounting for driving record.

  • Choose a high deductible. Increasing your deductible amount can lower your premium.

  • Bundle policies. Bundle your car insurance with other policies to receive multi-policy discounts.

  • Ask about discounts. Ask potential insurance companies about discounts for safety features in your vehicle, like anti-theft devices and anti-lock brakes. Other common discounts reward drivers for good driving.

  • Shop around. Compare quotes from different insurance companies to find the most affordable coverage.

Cheapest liability-only car insurance in Springdale: State Farm

Liability-only auto insurance covers expenses for injuries and damages you cause others in an accident but excludes coverage for your own vehicle repairs or medical bills. It typically includes bodily injury liability, which pays for medical costs and legal fees for others’ injuries, and property damage liability, which covers repairs or replacement of damaged property.[3]

The following table shows minimum-coverage quotes from top insurers in Springdale.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$30
USAA$36
GEICO$45
Auto-Owners$51
Safeco$56
National General$59
Shelter$66
Allstate$67
Farmers$67
Nationwide$67
Progressive$71
Travelers$71
Hallmark$91
Liberty Mutual$92
GAINSCO$98
Dairyland$100
Midvale Home & Auto$103
The General$130
Direct Auto$132
Bristol West$156
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 Springdale: State Farm

Liability-only insurance covers damages and injuries you cause to others, while full-coverage insurance provides coverage for your vehicle and any medical costs. With collision and comprehensive coverage, full-coverage insurance provides coverage for collision and non-collision incidents.

If you have a new or high-value vehicle, you should opt for full-coverage insurance. And if you lease or finance your vehicle, your leasing company or lender will require you to buy full coverage.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$61
USAA$74
GEICO$92
Auto-Owners$103
Safeco$123
Shelter$134
Allstate$135
Farmers$136
Nationwide$136
Travelers$143
Progressive$144
National General$154
Midvale Home & Auto$173
State Auto$194
GAINSCO$212
Liberty Mutual$217
Dairyland$248
Hallmark$249
The General$270
Direct Auto$298
Bristol West$373
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 Springdale, Arkansas

Recent Springdale, Arkansas car insurance prices for Volkswagen, Jeep, Nissan , and more.

*Quotes generated for Insurify users in and around Springdale, Arkansas within the last 10 days. Last updated on June 12, 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Springdale, Arkansas within the last 10 days. Last updated on June 12, 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Arkansas

Arkansas drivers must carry liability insurance. The minimum liability limits mandated by law include bodily injury and property damage liability.[4] Insurers typically offer higher coverage limits if you want additional coverage.

CoverageMinimum Requirements
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$25,000 per accident

Beyond liability coverage, you can also purchase the following optional types of standard coverage:

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Collision

    If you cause a collision, this coverage pays for car damage, excluding mechanical issues and wear and tear.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive

    This provides protection against theft and damages from non-collision incidents such as fire, flood, vandalism, hail, and falling objects.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Glass coverage

    With this insurance you can get no-deductible coverage for windshields, side windows, rear windows, and glass sunroofs. Additional glass coverage options are also available.

Cheapest car insurance for drivers with an incident

Various driving-related occurrences that can affect your insurance rates include speeding tickets, driving under the influence (DUI) charges, at-fault accidents, and other moving violations. Having these incidents on your record can indicate to insurers a greater likelihood of filing a claim.[5]

In Springdale, drivers with moving violations on their records face higher average monthly insurance rates of $380 for full coverage and $153 for liability-only policies.

Find Car Insurance in Springdale

Minimum coverage starts at $38/mo. for Springdale drivers with incidents on their records

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest car insurance for drivers with a speeding ticket: State Farm

Though typically a less significant charge than a DUI or at-fault accident, speeding tickets can have a notable influence on your car insurance costs. Insurance companies view speeding violations as indicators of risky driving behavior, which often leads to higher premiums. Springdale saw 141 speed-related accidents in 2022, resulting in three fatalities.

Springdale drivers with speeding tickets face average car insurance rates of $408 per month for full coverage and $165 for liability only. The following table shows the impact a speeding ticket has on liability-only car insurance quotes from top insurers in Springdale.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith Ticket
State Farm$30$39
USAA$36$48
GEICO$45$60
Auto-Owners$51$68
Safeco$56$75
National General$59$76
Shelter$66$91
Allstate$67$89
Farmers$67$88
Nationwide$67$89
Progressive$71$94
Travelers$71$95
Hallmark$91$121
Liberty Mutual$92$134
GAINSCO$98$143
Dairyland$100$133
Midvale Home & Auto$103$141
The General$130$174
Direct Auto$132$176
Bristol West$156$205
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

At-fault accidents can significantly affect your car insurance costs. Insurance companies consider accidents as indicators of higher risk and potential future claims. If you have an at-fault accident on your driving record, expect your insurance premiums to increase.

The average cost of car insurance for Springdale drivers who've caused an accident is $411 per month for full coverage and $166 for liability. Here's how an at-fault accident affects car insurance quotes in Springdale.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith Accident
State Farm$30$41
USAA$36$49
GEICO$45$62
Auto-Owners$51$69
Safeco$56$74
National General$59$80
Shelter$66$94
Allstate$67$91
Farmers$67$91
Nationwide$67$92
Progressive$71$98
Travelers$71$98
Hallmark$91$120
Liberty Mutual$92$137
GAINSCO$98$129
Dairyland$100$136
Midvale Home & Auto$103$149
The General$130$181
Direct Auto$132$184
Bristol West$156$210
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

When it comes to car insurance costs, DUIs can result in a dramatic increase in premiums. Due to the severity of the charge, insurance companies view DUIs as a strong indicator of high-risk behavior, which leads to higher rates. Some insurers may refuse to cover drivers with DUIs.

Springdale had relatively few DUI-related accidents in 2022. Still, average car insurance costs for city drivers with DUIs are much higher than averages for those with clean records. Full coverage averages $466 per month in Springdale for drivers with DUIs and $188 for minimum coverage. Here are liability-only quotes for top Springdale insurers.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith Accident
State Farm$30$51
USAA$36$61
GEICO$45$76
Auto-Owners$51$86
Safeco$56$95
National General$59$100
Shelter$66$112
Allstate$67$113
Farmers$67$113
Nationwide$67$113
Progressive$71$120
Travelers$71$120
Hallmark$91$154
Liberty Mutual$92$155
GAINSCO$98$166
Dairyland$100$169
Midvale Home & Auto$103$174
The General$130$220
Direct Auto$132$223
Bristol West$156$264
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 plays a crucial role in determining car insurance rates. Around age 35, insurance premiums often decrease as drivers gain experience and demonstrate responsible behavior. However, as drivers approach age 70, insurance costs tend to increase slightly due to changes to vision, mobility, reflexes, and cognitive abilities that can increase the risk of an accident.

Senior drivers in Springdale face average monthly car insurance costs of $196 for full coverage and $79 for liability-only policies.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm$22$44
USAA$27$55
GEICO$33$68
Auto-Owners$37$75
Safeco$42$93
Shelter$43$87
National General$44$115
Nationwide$46$94
Progressive$47$95
Farmers$48$98
Allstate$50$101
Travelers$52$104
Hallmark$64$176
Liberty Mutual$68$160
Midvale Home & Auto$73$122
Dairyland$74$184
GAINSCO$75$162
Direct Auto$95$213
The General$99$206
Bristol West$116$278
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

“Teen drivers typically pay the highest rates due to their lack of experience behind the wheel and very high accident frequency rate,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute. “Rates begin to drop when a driver is in their mid-20s.”

Luckily, teenagers can utilize strategies to obtain cheaper car insurance. Staying on your parents’ insurance policy and taking advantage of a good student discount can result in more cost-effective rates. Opting for a safe car with good safety ratings can also lead to lower insurance premiums.

The average cost of car insurance for Springdale teens is $477 per month for full coverage and $193 for liability-only policies.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm$50$101
USAA$59$120
GEICO$69$142
Auto-Owners$86$174
National General$109$285
Nationwide$112$228
Shelter$112$226
Allstate$115$232
Safeco$115$252
Farmers$116$235
Travelers$125$253
Progressive$126$256
Hallmark$158$434
Dairyland$164$407
Liberty Mutual$168$395
GAINSCO$172$372
Midvale Home & Auto$176$295
The General$206$428
Direct Auto$237$534
Bristol West$261$623
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 Springdale

Insurify partners with 100+ top insurers to show the most accurate rates

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Springdale car insurance quotes by credit tier

In Springdale, Arkansas, car insurance companies may take your credit history into account when calculating premiums. Maintaining an excellent or good credit score can help secure lower rates, while a poor credit score may result in higher premiums. Check out the table below to see how your credit score can affect average monthly insurance quotes in Springdale.

Quotes 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 Springdale?

Springdale drivers have higher car insurance rates than the national average, but their costs are on par with Arkansas' state averages. Location is a significant rating factor for car insurance due to vehicle theft, vandalism, crash rates, and traffic congestion in an area.

More cities in Arkansas

The following table illustrates average car insurance rates in other Arkansas cities.

CityFull CoverageLiability Only
Conway$266$117
Fayetteville$251$104
Fort Smith$233$100
Jonesboro$272$120
Little Rock$325$144
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.

Springdale car insurance FAQs

Finding the best auto coverage for your needs can feel stressful. The following information should help you navigate the process of buying car insurance in Springdale.

  • How much is car insurance in Springdale?

    In Springdale, car insurance averages $275 per month for full coverage and $111 for minimum coverage. These rates are in line with the Arkansas state averages of $271 and $109, respectively, but higher than the national averages of $215 and $105.

    Your actual car insurance rates may be higher or lower than the averages for your city or state, based on individual factors like your age, gender, and driving history.

  • Who has the cheapest car insurance in Springdale?

    State Farm offers the cheapest car insurance rates for Springdale drivers, with liability-only policies starting as low as $30 per month. USAA and GEICO are the second- and third-cheapest auto insurance companies in Springdale, with liability-only rates from $36 and $45, respectively.

  • What are the best car insurance companies in Springdale?

    Also the cheapest insurers, State Farm, USAA, and GEICO provide the best car insurance options for Springdale drivers. State Farm earned an IQ Score of 4.6, while USAA and GEICO have IQ Scores of 4.7 and 4.4. All three insurers offer competitive rates and ample discounts to help Springdale drivers save on car insurance.

  • How much car insurance do you need in Arkansas?

    The minimum car insurance requirements in Arkansas include $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per person for property damage liability. You should consider purchasing additional coverage if you want more financial protection.

  • Is Arkansas a no-fault state?

    Arkansas isn’t technically a no-fault state, but drivers can purchase optional personal injury protection (PIP) coverage. PIP insurance can pay for medical expenses for you and your passengers after an accident, regardless of fault. If you aren’t at fault, you can sue an at-fault driver for damages without needing to meet a specific monetary or verbal threshold because Arkansas isn’t a no-fault state.

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.

Sources

  1. Arkansas Department of Transportation. "Arkansas Crash Analytics Tool."
  2. U.S. Census Bureau. "Quick Facts Springdale city, Arkansas."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Arkansas Insurance Department. "Consumers FAQ: Private Passenger Automobile Insurance."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all