Cheap Auto Insurance Quotes in Fayetteville, AR (2023)

Home to the site of a Civil War battle and nestled among a beautiful forest, Fayetteville is a hidden gem in Arkansas. Under 90,000 people call it home, and with multiple highways and freeways intersecting the area, it’s fairly easy to navigate. Driving in the winter months should be taken seriously, as inclement weather can create accidents at a moment’s notice. It’s best for Fayetteville residents to purchase a comprehensive car insurance policy to offer peace of mind when on the road.

Car Insurance in Fayetteville, AR

The average cost of Arkansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Fayetteville, AR to find you the cheapest quotes in the area.

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• Cheap Car Insurance Arkansas

• Compare Car Insurance

Cheapest Car Insurance in Fayetteville, AR

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Fayetteville, AR

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Fayetteville. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Arkansas

All motor vehicles operated or parked on Arkansas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Arkansas^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Arkansas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Fayetteville Car Insurance Rates by Driver Age

In Fayetteville, teenagers with a part-time job should be able to save enough to afford a $318 monthly car insurance payment. Even that cost is less than what many experienced drivers pay outside the Natural State. Twentysomethings see their monthly price come down by over $100 because they have more years behind the wheel than the teens. After people leave their 20s, they get a cost below the state average of $210. Drivers past retirement age in their 70s get the lowest rate, paying less than a third of the youngest drivers at $97.

Fayetteville Car Insurance Rates by Driving and Accident History

Safe driving is financially savvy driving in Fayetteville, and insurance companies agree. That’s why they offer “good driver” and “accident-free” discounts to people with clean records. These drivers pay $55 less per month than those with speeding tickets, which means following the posted limit saves $660 per year. Even with a failure to stop or speeding ticket, drivers in Fayetteville still pay less than the state average. After three years, violations and accidents fall off the driving record, qualifying people for the best rates.

See More:

• High-risk Car Insurance Arkansas

• DUI Car Insurance Arkansas

Fayetteville Car Insurance Rates by Credit Tier

Arkansans scratch their heads when trying to figure out what their credit history has to do with their driving ability. The state allows insurance companies to use credit as a factor to decide rates. If so, why do those with average credit pay less than those with good or excellent credit? Drivers with better credit often finance costlier cars and choose higher levels of coverage to protect their assets. People with poor credit should try to improve their score and realize an $18 per month savings, which amounts to over $200 per year.

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Find local Fayetteville agents

Fayettville, AR DMV Information

Trying to access DMV services in Fayetteville is similar to searching for a needle in a haystack. The city has one office to serve residents, and it’s open Monday through Friday from 7 a.m. to 6 p.m. While that may sound adequate, Fayetteville is one of the larger cities in Northwest Arkansas, and its DMV office serves many surrounding areas. It’s recommended that you arrive right when they open to reduce your wait time.

Public Transportation in Fayettville, AR

As this metropolitan area isn’t very large, it’s not surprising that there aren’t many options for public transportation. The ORT, Ozark Regional Transit, offers free travel within the city itself and also ventures to other neighboring areas. Razorback Transit is operated by the University of Arkansas and is another way to get around town with ease. Ridesharing options like Uber and Lyft are also available.

For more detailed Arkansas city level guides, check out these below.

• Average Cost of Car Insurance Rates in Arkansas

• DUI Car Insurance Rates in Arkansas

• High-Risk Driver Car Insurance Rates in Arkansas

• Arkansas Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Arkansas

• SR-22 Insurance in Arkansas

How to get the best and cheapest car insurance in Fayettville, AR

Driving in and around Fayetteville is relatively easy, and as long as you obey Arkansas driving laws, you’ll likely run into few issues. Keep in mind that streets near the University of Arkansas can become congested at times, but there are plenty of alternate routes available.

Whether you’re new to Fayetteville or have been living there for some time, it’s never a bad idea to see if you can save money on your car insurance. Head over to Insurify today to see just how affordable a comprehensive policy can actually be!

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