Cheap Quotes for Fayetteville, AR Car Insurance (2021)

Fayetteville, Arkansas car insurance rates average $322 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Fayetteville, AR companies, you can find cheap Fayetteville car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Fayetteville, AR are $322/month
  • Average car insurance rates in Fayetteville, AR for senior drivers are $1,974/year
  • Fayetteville has an average commute time of 19.0 minutes

How do the Fayetteville, Arkansas monthly average car insurance rates of $322/month compare to nearby cities like Conway car insurance rates, Hot Springs car insurance rates, and Rogers car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Fayetteville, AR.

We’ll cover the Arkansas minimum coverage requirements, Arkansas car insurance laws, and Fayetteville, AR statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Fayetteville, Arkansas companies to find the most affordable Fayetteville car insurance rates.

Enter your ZIP code above to find cheap Fayetteville, AR car insurance quotes today.

What are the minimum Fayetteville, AR car insurance requirements?

To meet Arkansas minimum car insurance coverage requirements, Fayetteville, AR drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Fayetteville, Arkansas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Average Fayetteville, AR Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Fayetteville, AR you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Fayetteville, Arkansas

ZIP Code Average Annual Rates
72701 $3,996
72703 $3,992
72704 $3,933

How do age, gender, and marital status affect Fayetteville, AR car insurance rates?

Three of the criteria that most affect car insurance rates in Fayetteville, Arkansas are age, gender, and marital status. Let’s take a look at how each of these stack up with top Fayetteville car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fayetteville, Arkansas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,672 $2,686 $2,391 $2,554 $9,792 $11,750 $2,939 $3,187
Farmers $2,212 $2,194 $1,972 $2,084 $9,654 $9,991 $2,533 $2,648
GEICO $2,043 $2,012 $1,878 $1,825 $5,627 $5,611 $2,028 $2,057
Liberty Mutual $2,121 $2,264 $2,053 $2,290 $8,112 $8,928 $2,296 $2,388
Nationwide $2,547 $2,593 $2,289 $2,416 $6,206 $7,893 $2,919 $3,143
Progressive $2,562 $2,401 $2,114 $2,217 $11,436 $12,840 $3,063 $3,314
State Farm $1,590 $1,590 $1,437 $1,437 $4,781 $5,990 $1,795 $2,067
Travelers $2,070 $2,104 $2,073 $2,073 $12,496 $20,048 $2,233 $2,538
USAA $1,300 $1,308 $1,209 $1,212 $4,132 $4,318 $1,668 $1,793

How much do teen drivers pay for car insurance in Fayetteville, AR?

Fayetteville, Arkansas car insurance rates for teens are often higher than rates for other drivers. Compare Fayetteville car insurance rates from multiple Fayetteville, Arkansas car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Fayetteville, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,792 $11,750
Farmers $9,654 $9,991
GEICO $5,627 $5,611
Liberty Mutual $8,112 $8,928
Nationwide $6,206 $7,893
Progressive $11,436 $12,840
State Farm $4,781 $5,990
Travelers $12,496 $20,048
USAA $4,132 $4,318

How much do senior drivers pay for car insurance in Fayetteville, AR?

With a little research, seniors can find affordable car insurance in Fayetteville, Arkansas. Here’s a look at how the top Fayetteville car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Fayetteville, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,391 $2,554
Farmers $1,972 $2,084
GEICO $1,878 $1,825
Liberty Mutual $2,053 $2,290
Nationwide $2,289 $2,416
Progressive $2,114 $2,217
State Farm $1,437 $1,437
Travelers $2,073 $2,073
USAA $1,209 $1,212

How does coverage level affect Fayetteville, AR car insurance rates?

How much coverage do you need? Are you comfortable with the Arkansas minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Fayetteville, AR car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Fayetteville, Arkansas

Insurance Company Low Medium High
Allstate $4,621 $4,743 $4,875
Farmers $3,940 $4,115 $4,429
GEICO $2,749 $2,884 $3,023
Liberty Mutual $3,675 $3,780 $3,965
Nationwide $3,787 $3,680 $3,785
Progressive $4,561 $4,912 $5,506
State Farm $2,447 $2,584 $2,728
Travelers $5,432 $5,719 $5,962
USAA $2,029 $2,110 $2,214

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How does your driving record affect Fayetteville, AR car insurance rates?

Safe driving pays off. The more traffic violations you have in Fayetteville, AR, the higher your car insurance rates will be. Compare rates based on driving infractions from top Fayetteville, Arkansas companies.

Annual Fayetteville, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,909 $4,920 $5,479 $4,678
Farmers $3,514 $4,513 $4,417 $4,201
GEICO $1,976 $3,006 $4,432 $2,127
Liberty Mutual $2,567 $4,232 $4,956 $3,472
Nationwide $2,925 $3,770 $5,091 $3,217
Progressive $4,293 $6,020 $4,517 $5,142
State Farm $2,361 $2,811 $2,586 $2,586
Travelers $4,773 $4,929 $7,260 $5,856
USAA $1,626 $2,064 $2,976 $1,804

How does a DUI affect Fayetteville, AR car insurance rates?

With even one DUI on your record, you can see an increase in your Fayetteville, AR car insurance rates.

Annual Car Insurance Rates After a DUI in Fayetteville, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,479
Farmers $4,417
GEICO $4,432
Liberty Mutual $4,956
Nationwide $5,091
Progressive $4,517
State Farm $2,586
Travelers $7,260
USAA $2,976

How does your credit history affect Fayetteville, AR car insurance rates?

Take a look at the data here to see how your Fayetteville, Arkansas car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Fayetteville, Arkansas

Insurance Company Poor Fair Good
Allstate $5,953 $4,574 $3,712
Farmers $4,716 $3,978 $3,789
GEICO $3,454 $2,844 $2,357
Liberty Mutual $5,479 $3,334 $2,607
Nationwide $4,434 $3,567 $3,251
Progressive $5,622 $4,840 $4,519
State Farm $3,745 $2,256 $1,758
Travelers $6,529 $5,469 $5,116
USAA $2,799 $1,917 $1,636

How does your commute affect Fayetteville, AR car insurance rates?

Fayetteville, AR car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Arkansas can be seen here. Remember, though, that you may have to carry substantially more car insurance in Fayetteville if you’re financing.

Annual Car Insurance Rates by Commute Length in Fayetteville, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,746 $4,746
Farmers $4,161 $4,161
GEICO $2,860 $2,910
Liberty Mutual $3,807 $3,807
Nationwide $3,751 $3,751
Progressive $4,993 $4,993
State Farm $2,524 $2,649
Travelers $5,704 $5,704
USAA $2,058 $2,177

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Who has the cheapest Fayetteville, AR car insurance rates?

Here’s a breakdown of Fayetteville, Arkansas car insurance rates by company. You can see which company offers the cheapest Fayetteville car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Fayetteville, Arkansas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

What are the top Fayetteville, AR car insurance companies?

Which Fayetteville, Arkansas car insurance company will best fit your needs and budget? Check out this comparison of the top Fayetteville companies to find the one for you.

Average Annual Car Insurance Rates by Company in Fayetteville, Arkansas

Insurance Company Average Annual Rates
Allstate $4,746
Farmers $4,161
GEICO $2,885
Liberty Mutual $3,807
Nationwide $3,751
Progressive $4,993
State Farm $2,586
Travelers $5,704
USAA $2,118

What factors affect Fayetteville, AR car insurance rates?

Why are Fayetteville, Arkansas car insurance rates different than rates in Conway or Hot Springs? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Fayetteville, AR?

More time spent behind the wheel can lead to higher Fayetteville, Arkansas car insurance rates. In Fayetteville, AR, the average commute length is 19.0 minutes.

What is the traffic like in Fayetteville, AR

Like commute length, time spent in traffic also increase risk of accidents. Fayetteville, AR is listed as 799th in INRIX congested cities data.

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Car Insurance Quotes for Fayetteville, AR

Shop for affordable Fayetteville, Arkansas car insurance rates today. Enter your ZIP code to compare quotes from multiple Fayetteville, AR car insurance companies.

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