Best Cheap Auto Insurance in Springdale, Arkansas (2024)

To find the best car insurance in Springdale, research different companies to see which insurer offers the best coverage at the cheapest rate.

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.

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Katie Powers
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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.

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Updated February 14, 2024 at 7:34 AM PST

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The most affordable car insurance options in Springdale, Arkansas, come from State Farm, USAA, and GEICO. Drivers in Springdale pay $238 per month on average for car insurance, according to Insurify data. But the price you’ll end up paying depends on your unique driver profile.

Here’s what you should know about car insurance in Springdale.

Quick Facts
  • Older drivers can expect to pay much less for car insurance than teen drivers.

  • Having a speeding ticket, DUI, or accident on your record can increase insurance premiums.

  • Asking your insurer which auto insurance discounts you qualify for can save you money.

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.

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Cheapest 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.
4.4
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.
$26/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.
$53/mo

State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer 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. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

State Farm offers a variety of customizable auto insurance solutions to meet customer needs. It has standard coverage options, as well as rental coverage, emergency roadside service, rideshare insurance, uninsured and underinsured motorist coverage, and medical payments coverage.

Cheapest 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.
4.3
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.
$32/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.
$64/mo

In business for more than 100 years, USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products, as well as banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including for bundling, insuring multiple vehicles, living on a military base, and more. A.M. Best gives USAA an A++ rating for financial strength, and the company had the highest or second-highest rating of all insurers in every region in J.D. Power’s Overall Customer Satisfaction Index. Customer reviews are mixed for service and claims processing.

Pros
  • Low premiums

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

Cons
  • Only available to active-duty military, veterans, military spouses, or children of service members or veterans

  • No 24/7 customer phone support

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

USAA provides the standard range of auto insurance options to help protect against damage from accidents and other incidents. USAA also offers uninsured and underinsured motorist coverage and personal injury protection (PIP) coverage. Policyholders can save with one or more of 10 advertised discounts.

Cheapest 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.
4.3
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.
$40/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.
$79/mo

A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood insurance, life insurance, business insurance, and identity protection, among other products. A.M. Best gives GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Good rates for good drivers, seniors, and young drivers

  • Accident forgiveness available

Cons
  • High rates for drivers with certain violations, like DUIs

  • No rideshare or new car replacement coverage available

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

GEICO offers typical coverage options for car insurance policyholders. Additional options include medical coverage, emergency roadside assistance, rental reimbursement, and mechanical breakdown insurance. Teenagers can save on coverage with GEICO through good student and driver training program discounts.

Cheapest liability-only car insurance in Springdale

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.[1]

State Farm, USAA, and GEICO offer the most affordable liability-only car insurance policies in Springdale.

Insurance CompanyAverage Monthly Quote
State Farm$44
USAA$53
GEICO$66
Auto-Owners$75
Safeco$85
Allstate$98
Farmers$99
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

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. The cheapest average quotes for full-coverage insurance in Springdale start at $78 per month from State Farm.

Insurance CompanyAverage Monthly Quote
State Farm$78
USAA$95
GEICO$118
Auto-Owners$133
Safeco$136
Allstate$174
Farmers$175
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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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.[2] 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.[3]

For example, Springdale drivers with an at-fault accident on their record can expect to spend an average of $228 more per year with State Farm than if they had a clean driving record.

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Cheapest car insurance for drivers with a speeding ticket

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.

You can find the most affordable insurance rates from State Farm, USAA, and GEICO if you have a speeding ticket in Springdale. Quotes range from $59 to $132 per month.

Insurance CompanyAverage Monthly Quote
State Farm$59
USAA$72
GEICO$89
Auto-Owners$100
Safeco$114
Allstate$131
Farmers$132
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

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 most affordable insurance rates, on average, for drivers with an at-fault accident in Springdale range between $63 and $141 per month, with the cheapest rate coming from State Farm.

Insurance CompanyAverage Monthly Quote
State Farm$63
USAA$76
GEICO$95
Auto-Owners$107
Safeco$122
Allstate$140
Farmers$141
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

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.

The average cheapest insurance rates for drivers with a DUI start at $87 per month from State Farm.

Insurance CompanyAverage Monthly Quote
State Farm$87
USAA$106
GEICO$132
Auto-Owners$149
Safeco$169
Allstate$194
Farmers$196
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

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 75, insurance costs tend to increase slightly due to potential health-related factors and increased accident risks.

Senior drivers in Springdale can find the most affordable insurance options from State Farm, USAA, and GEICO, but all insurers below provide cheap rates.

Insurance CompanyAverage Monthly Quote
State Farm$28
USAA$34
GEICO$42
Auto-Owners$47
Safeco$54
Allstate$62
Farmers$62
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

“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.

For teen drivers in Springdale, the most affordable insurance companies include State Farm, USAA, GEICO, and Auto-Owners.

Insurance CompanyAverage Monthly Quote
State Farm$65
USAA$79
GEICO$97
Auto-Owners$110
Safeco$125
Allstate$144
Farmers$145
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.

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.

Find Car Insurance in Springdale, AR

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Springdale car insurance quotes by credit tier

In Springdale, Arkansas, car insurance companies may take your credit score 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?

Your location, including your ZIP code, matters when it comes to car insurance rates. On average, Springdale residents pay $238 per month for car insurance, which falls slightly below the national average of $212 per month.

In Arkansas, car insurance rates can fluctuate by city due to various factors such as crime rates, population density, and weather conditions. For instance, drivers in Conway spend more on average than Springdale residents, at $274 per month.

More cities in Arkansas

You can use the following table to get an idea of how drivers can pay different insurance rates in various Arkansas cities. For example, Jonesboro drivers may a lot more per month on average ($351) than Springdale drivers ($238).

CityAverage Monthly QuoteCompared to Springdale
Conway$274-7%
Fayetteville$286-2%
Fort Smith$267-9%
Jacksonville$266-9%
Jonesboro$35120%
Little Rock$3106%
Rogers$263-10%
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?

    On average, Springdale drivers pay $238 per month for car insurance. For liability-only coverage, car insurance costs $168 per month. Full-coverage insurance costs $293 per month on average. Ultimately, your premium depends on your insurance needs, driving history, vehicle type, credit history, and more.

  • Who has the cheapest car insurance in Springdale?

    The three cheapest insurers in Springdale include State Farm, USAA, and GEICO. These companies offer the cheapest rates by coverage level, driving record, and age. You can find average monthly rates for liability insurance at $44 from State Farm, $53 from USAA, and $66 from GEICO.

  • 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 4.4, while USAA and GEICO both have IQ Scores of 4.3. Car insurance from State Farm costs $44 per month for liability and $78 for full coverage.

  • 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. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed June 12, 2023
  2. Arkansas Insurance Department. "Consumers FAQ: Private Passenger Automobile Insurance." Accessed June 12, 2023
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed June 12, 2023
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.

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