Fayetteville, AR Auto Insurance (2024)
The average Fayetteville, AR auto insurance rates are $322 per month. The minimum auto insurance in Fayetteville is at least 25/50/25 in coverage to comply with Arkansas auto insurance laws. To find the best cheap auto insurance in Fayetteville, Arkansas, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Fayetteville for teen drivers is Travelers
- Average auto insurance rates in Fayetteville, AR for senior drivers are $1,974 per year
- The minimum auto insurance required in Fayetteville, Arkansas is 25/50/25
Fayetteville, Arkansas auto insurance requirements are 25/50/25 according to Arkansas auto insurance laws. Finding cheap auto insurance in Fayetteville can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Fayetteville, Arkansas, including driving record, credit, commute time, and more.
Compare auto insurance in Fayetteville to other Arkansas cities, including Conway auto insurance rates, Springdale auto insurance rates, and North Little Rock auto insurance rates to see how Fayetteville, Arkansas auto insurance rates stack up.
Before you buy Fayetteville, Arkansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Fayetteville, Arkansas auto insurance quotes.
Minimum Auto Insurance in Fayetteville, Arkansas
Fayetteville, Arkansas auto insurance laws require that you have at least the Arkansas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance 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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Cheap Fayetteville, Arkansas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Fayetteville, Arkansas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap Fayetteville, Arkansas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Fayetteville, Arkansas is a challenge. Take a look at the annual teen auto insurance rates 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 |
Cheap Fayetteville, Arkansas Auto Insurance for Seniors
What are senior auto insurance rates in Fayetteville, Arkansas? Take a look at the annual average rates for older drivers.
| 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 |
Cheap Fayetteville, Arkansas Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Fayetteville, Arkansas compared to the annual auto insurance rates with a clean record in Fayetteville, Arkansas.
| 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 |
Cheap Fayetteville, Arkansas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Fayetteville, Arkansas is not easy. Compare the annual rates for DUI auto insurance in Fayetteville, Arkansas to find the best deal.
| Insurance Company | Annual Auto 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 |
Cheap Fayetteville, Arkansas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Fayetteville, Arkansas annual auto insurance rates by credit history compare.
| 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 |
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Cheap Fayetteville, Arkansas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Fayetteville, Arkansas can vary. Compare the annual cost of auto insurance by ZIP code in Fayetteville, Arkansas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 72701 | $3,996 |
| 72703 | $3,992 |
| 72704 | $3,933 |
Cheap Fayetteville, Arkansas Auto Insurance Rates By Commute
Commute length and annual mileage affect Fayetteville, Arkansas auto insurance. Find the cheapest annual Fayetteville, Arkansas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Fayetteville, Arkansas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Fayetteville, Arkansas? Check out the comparison of annual Fayetteville, Arkansas auto insurance rates by coverage level.
| 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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Best By Category: Cheapest Auto Insurance in Fayetteville, Arkansas
Compare the cheapest auto insurance companies in Fayetteville, Arkansas in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Fayetteville, Arkansas Auto Insurance Companies
What auto insurance companies in Fayetteville, Arkansas are the cheapest? Compare the top Fayetteville, Arkansas auto insurance companies to find the best annual rates.
| 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 affects auto insurance rates in Fayetteville, Arkansas?
There are a lot of reasons why auto insurance rates in Fayetteville, Arkansas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Fayetteville, Arkansas. Many local factors may affect your Fayetteville auto insurance rates.
Fayetteville Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fayetteville, Arkansas commute length is 19.0 minutes according to City-Data.
Fayetteville Traffic
How does Fayetteville, Arkansas rank for traffic? According to Inrix Fayetteville, Arkansas is the 799th most congested worldwide.
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Compare Fayetteville, Arkansas Auto Insurance Quotes
Before you buy Fayetteville, Arkansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Fayetteville, Arkansas auto insurance quotes.
Frequently Asked Questions
Can I purchase additional coverage beyond the minimum requirements?
Yes, you can purchase additional coverage beyond the minimum requirements to provide more extensive protection. Additional coverage options include collision coverage, comprehensive coverage, medical payments coverage, uninsured/underinsured motorist coverage, and more.
How are auto insurance premiums determined in Fayetteville, AR?
Auto insurance premiums in Fayetteville, AR are determined based on various factors, including your driving record, age, gender, type of vehicle, coverage limits, deductibles, and the area where you live. Insurance companies also consider the local risk factors, such as accident rates and crime rates, when calculating premiums.
How can I find affordable auto insurance in Fayetteville, AR?
To find affordable auto insurance in Fayetteville, AR, it is recommended to compare quotes from multiple insurance companies. Consider factors such as coverage options, deductibles, discounts, and customer service reputation. Working with an independent insurance agent can also help you find competitive rates and suitable coverage.
What should I do after a car accident in Fayetteville, AR?
After a car accident in Fayetteville, AR, take the following steps:
- Ensure the safety of all involved parties and seek medical attention if needed.
- Contact local law enforcement to report the accident.
- Exchange information with the other party(s) involved, including names, contact details, insurance information, and vehicle details.
- Document the accident scene by taking pictures and gathering witness statements if possible.
- Notify your insurance company and file a claim.
- Cooperate with the insurance company’s investigation and provide necessary documentation.
What should I do if I’m involved in a hit-and-run accident in Fayetteville, AR?
If you’re involved in a hit-and-run accident in Fayetteville, AR, take the following steps:
- Seek medical attention if needed and ensure your safety.
- Document as much information as possible about the incident, including the time, location, and any details about the fleeing vehicle.
- Contact local law enforcement and report the hit-and-run accident.
- Notify your insurance company and provide them with all the information you have.
- Cooperate with the insurance company’s investigation and provide any additional information or documentation they require.
Are there any discounts available for auto insurance in Fayetteville, AR?
Yes, many insurance companies offer various discounts that can help you save on auto insurance premiums in Fayetteville, AR. Common discounts include safe driver discounts, good student discounts, multi-policy discounts, anti-theft device discounts, and more. It’s best to check with your insurance provider to see which discounts you may qualify for.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.