Cheap Auto Insurance in Conway, Arkansas (2025)
State Farm offers the cheapest car insurance in Conway, with minimum-coverage policies as low as $49 per month.
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A suburb of Little Rock, Conway is the seventh-largest city in Arkansas. Conway's location in Arkansas' densely populated central region, its exposure to extreme weather, and a high population density all contribute to the city's car insurance costs.
Conway drivers face average car insurance rates that are similar to the state's overall average, despite its smaller size compared to big cities like Little Rock or Fayetteville. But Conway's average rates are higher than national averages. In Conway, full-coverage car insurance averages $183 per month. By comparison, the national average is $182.
To find the cheapest coverage available to them, Conway drivers can compare quotes from multiple insurers. Many top insurance companies offer coverage in Arkansas, including State Farm, USAA, and Progressive, the three cheapest options for Conway drivers.
Quick Facts
Conway had 2,426 crashes but only six fatalities in 2022, according to the most recent data available.1
The City of Colleges has a high population density of 1,309 residents per square mile, according to U.S. Census Bureau data.
Conway is home to three colleges. A higher number of young drivers in an area could lead to more traffic accidents.
Cheapest car insurance companies in Conway
The table below provides an overview of the cheapest car insurers in Conway. Keep in mind that your unique situation will determine the ideal insurance company for you. Be sure to look into the pros and cons of all your options so you can make the most informed decision.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 55,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurance for cheap rates: State Farm
Best insurance for military families: USAA
Best insurance for senior drivers: GEICO
How to get the cheapest car insurance in Conway
When you look for cheap car insurance, be sure to consider your coverage options and the financial strength of various companies. These tips can help you score the best deal on a policy:
Shop around. Since each insurance company has its own unique products and rates, it pays to shop around. Get quotes from at least a few different insurers.
Increase your deductible. Your deductible is the amount of money you must pay out of pocket for a claim before your policy covers the rest. You can lower your premiums with a higher deductible because you’re taking on more up-front costs. However, make sure never to set your deductible so high you can’t afford it if you need to file a claim.
Bundle your insurance policies. Most larger car insurers offer bundling discounts. If you have homeowners or renters insurance, you might be able to bundle it with car insurance and save some money on both policies.
Cheapest liability-only car insurance in Conway: State Farm
Liability car insurance is the most basic level of car insurance. The state of Arkansas requires it, and it pays for property damage and injuries you may cause in an accident. Here are the cheapest liability-only quotes in Conway based on Insurify data.
Cheapest full-coverage car insurance in Conway: State Farm
Full-coverage car insurance is made up of liability insurance, collision insurance, and comprehensive insurance. While it’s optional, it can give you some additional peace of mind, especially if you drive a luxury car, have an auto loan or lease, or often commute in heavy traffic. Here, you can see the most affordable full-coverage insurers in Conway.
Car insurance requirements in Arkansas
Like most states, Arkansas requires all drivers to carry a minimum amount of liability car insurance. Still, about 20% of drivers in the state are uninsured, according to the Insurance Research Council. To drive legally in Arkansas, your insurance coverage must meet the following requirements:
While a liability-only policy meets the requirements listed above, you can enhance your car insurance coverage with the following optional solutions:
Cheapest car insurance for drivers with an incident
Incidents like at-fault accidents, speeding tickets, and DUIs cause car insurance companies to judge you as a high-risk driver. For this reason, they’ll often charge you higher car insurance rates. If you have an at-fault accident on your driving record, for example, your premiums could increase by 33% or more compared to drivers with a clean record.
In these sections, you’ll see how your premiums can change based on individual incidents.
Cheapest car insurance for drivers with a speeding ticket: State Farm
With a speeding ticket on your record in Conway, you can expect to pay more for car insurance but still enjoy lower premiums than with other incidents. On average, Conway drivers see monthly car insurance rates of $236 for full coverage and $134 for minimum coverage after a speeding ticket.
Here you can see how liability-only quotes change from several insurers.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you cause a car accident in Conway, you’ll likely have to pay more for your auto policy. The average cost of car insurance for Conway drivers with at-fault accidents is $237 per month for full coverage, and $135 for liability-only policies. Here, you can see how an at-fault accident affects the liability insurance quotes you’ll receive from leading insurers.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI conviction often comes with serious consequences, like hefty fines, jail time, and higher car insurance premiums. In most cases, having a DUI on your record will raise your insurance premiums more than having a speeding ticket or at-fault accident.
Conway drivers convicted of DUI may see average car insurance rates of $236 per month for full coverage and $134 for minimum coverage. Here, you can see the type of quotes you can expect to get in Conway with a DUI on your record.
Cheapest car insurance for seniors: State Farm
Generally, age causes vision, mobility, and cognitive changes that can increase the risk of getting into an accident. As a result, car insurance rates tend to begin rising again when a driver reaches age 70. Still, seniors have the cheapest car insurance rates overall of any age group.
In Conway, car insurance for senior drivers averages $159 per month for full coverage and $90 for liability-only. The following table shows quotes from top insurers for senior drivers in Conway.
Cheapest car insurance for teens: State Farm
Teenagers typically pay some of the highest car insurance premiums. This is because they don’t have as much experience behind the wheel as older drivers and are more likely to cause an accident. Fortunately, young drivers can save money if they stay on their parents’ policy, drive a safe car, and lock in a good student discount.
Car insurance for teen drivers in Conway costs, on average, $338 monthly for full coverage and $192 for liability-only policies. The following table shows quotes from top insurers for teen drivers in Conway.
Conway car insurance quotes by credit tier
Research shows that drivers with good to excellent credit are less risky and usually file fewer claims than those with poor credit. For this reason, many insurance agencies consider the credit scores of prospective policyholders to help determine premiums. Considering credit scores is illegal in a few states, but the practice is legal in Arkansas.4
The chart below shows that a Conway driver with excellent credit may pay $211 per month on average, while a driver with poor credit might be charged an average of $424 per month.
Is car insurance more expensive in Conway?
The average cost of an auto policy in the U.S. is $182 per month for full coverage and $103 per month for liability-only coverage. Arkansas' averages are $170 and $90, respectively.
Conway's average car insurance rates of $183 for full coverage and $104 for minimum coverage are higher than national averages, but on par with the state's.
Auto insurance rates vary by ZIP code within Arkansas due to factors like population, crime rates, and the number of uninsured drivers. Premiums in Jonesboro and Springdale, for example, are more expensive than in Conway.
More cities in Arkansas
Here’s a look at the average monthly quotes for other Arkansas cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Conway car insurance FAQs
Finding the insurance policy that provides the right coverage for you can feel overwhelming. Fortunately, the information below should answer any questions you still have and help you make an informed decision.
How much is car insurance in Conway?
On average, Conway drivers pay $104 per month for a liability-only car insurance policy. Meanwhile, a full-coverage insurance policy averages $183 per month. Your actual rates may be more or less than the average in your area, based on individual factors like your gender, age, driving history, and vehicle.
Which are the cheapest car insurance companies in Conway?
State Farm is the cheapest insurer for Conway drivers. Its liability-only rates start at $81 per month. USAA and Progressive also have cheap rates for Conway residents, with monthly minimum-coverage rates of $98 and $124, respectively.
What are the best car insurance companies in Conway?
State Farm is the best car insurance company in Conway. It has a 4.4 Insurify Quality (IQ) Score, an A++ financial strength rating from A.M. Best, and solid rankings in J.D. Power customer and claims satisfaction studies. Other top insurers in the city include USAA and GEICO.
Is car insurance cheaper with two cars?
Yes and no. If you insure two cars, you’ll inevitably pay more than if you insured a single car. But having two cars allows you to bundle your coverages together, meaning you should pay a lower premium for each insured vehicle than you would if you insured them separately.
What comes first: Buying a car or getting car insurance?
You must have insurance coverage to drive a car in Arkansas. Most insurers in Arkansas will allow you a grace period of two to 30 days, during which you can drive your new vehicle on your existing policy before adding it. However, you must have an existing policy to drive any vehicle, new or old, in Arkansas.
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