Cheap Auto Insurance in Fayetteville, Arkansas (2025)

Average car insurance rates in Fayetteville are close to the Arkansas state-level average, but much higher than national averages. Fayetteville drivers see average monthly rates of $178 for full coverage and $100 for liability-only insurance. By contrast, the national averages are $184 and $104, respectively.

Arkansas has one of the highest fatal accident rates in the country, which contributes to the state's higher-than-average car insurance rates.1 Fayetteville’s relatively average car insurance rates may be because of the city’s smaller population and low number of fatal car accidents – the city had just two fatal crashes in 2022.2

Here’s what to know about how to find affordable car insurance in Fayetteville, Arkansas, and about the cheapest insurers offering coverage in the city.

Best car insurance companies in Fayetteville

Finding affordable car insurance coverage in Fayetteville is important, but landing a great deal requires more than going with the first car insurance agency you find. You should compare several companies, including the ones Insurify has identified as some of the best car insurance companies below.

Best insurer for liability-only coverage: State Farm

Best insurer for military members: USAA

Best insurer for discounts: GEICO

How to get the cheapest car insurance in Fayetteville

Each auto insurer sets its own rates, so it’s important to explore all your options. These tips can help you lock in the best deal on car insurance in Fayetteville:

• Shop around. Be sure to get free car insurance quotes from multiple car insurance companies. You’ll be able to zero in on a lower rate and the right coverage for your unique needs.

• Take advantage of available discounts. Most car insurance companies offer discounts you might qualify for. Common discounts include a good student discount, vehicle safety features discount, safe driving discount, and loyalty discount.

• Bundle your policy. If you need home insurance or renters insurance, bundling may be a good idea. Find a company that will give you a discount if you bundle your auto insurance with another policy.

• Drive a safe vehicle. Insurance companies consider safety scores when determining rates.

• Drive safely. Speeding tickets, at-fault accidents, and DUIs can increase your car insurance rates. Do your best to practice responsible driving habits to reduce your risk of these violations.

Cheapest liability-only car insurance in Fayetteville: State Farm

Arkansas requires every driver to purchase liability car insurance. This type of auto insurance coverage pays for the property damage and injuries of other drivers and passengers after an at-fault accident. Though it’s usually the cheapest type of auto insurance you can buy, liability coverage may make sense if you drive an older, less expensive vehicle.

The table below shows the most affordable liability-only insurance companies in Fayetteville, Arkansas.

Cheapest full-coverage car insurance in Fayetteville: State Farm

Full-coverage car insurance usually includes three types of coverages: liability, collision, and comprehensive. Compared to a liability-only policy full coverage is more expensive, but it offers greater financial protection. Also, if you have a loan or lease on your vehicle, your lender may require it. Here’s an overview of the cheapest full-coverage insurance companies in Fayetteville.

Car insurance requirements in Arkansas

Arkansas is an at-fault — also called tort — state. This means the driver who caused the accident must pay for the damage and injury costs the drivers or passengers in another vehicle incur. Because the state also follows modified comparative negligence standards, you can only receive compensation for damages from the other driver if you’re less than 50% at fault.1

In addition, Arkansas requires drivers to carry bodily injury and property damage liability coverage to drive legally. But you can purchase optional coverage for extra peace of mind. You can expect to face legal and financial consequences if you’re unable to show proof of insurance.

Here are the minimum insurance requirements in Arkansas:2

Here are some optional auto policies in Arkansas that can offer more protection in various situations:

Cheapest car insurance for drivers with an incident

Incidents like at-fault accidents, speeding tickets, and DUIs can increase your car insurance premiums. This is because car insurance companies view these violations as high-risk driving behavior that makes you more likely to file a claim than a driver with a clean record. Fayetteville drivers with clean records usually pay less for an auto policy than those with spotty driving histories.

Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding may increase your risk of losing control of your vehicle and is one of the most common causes of car accidents. If you have a speeding ticket on your record, insurance companies may consider you a high-risk driver and, in turn, charge you more for car insurance.

Fayetteville drivers with speeding citations see average car insurance rates of $228 per month for full coverage and $128 for liability only. The table below shows the cheapest monthly liability insurance quotes car insurers for drivers with a speeding ticket in Fayetteville, Arkansas.

Cheapest car insurance for drivers with an at-fault accident: State Farm

An at-fault accident will likely lead to higher car insurance rates for three to five years, so it’s a good idea to shop around and find affordable coverage. Keep in mind that your auto insurance premiums may not increase if you have accident forgiveness on your policy.

Also, how much rates increase depends on the severity of the accident and the total value of the claim.3 In Fayetteville, the average monthly cost of car insurance for drivers with accidents on their records is $128 for liability-only policies and $228 for full coverage.

Here’s a look at the cheapest minimum-coverage quotes in Fayetteville for drivers with an at-fault accident on their records.

Cheapest car insurance for drivers with a DUI: State Farm

A DUI in Fayetteville is a serious offense. In addition to fines and jail time, you may pay higher rates for an auto policy compared to other drivers. And Arkansas might require you to purchase SR-22 insurance if the incident resulted in vehicular manslaughter. Also, it may be challenging to find an insurance company that’ll offer coverage, and those that do might charge sky-high rates.

A DUI pushes average car insurance rates in Fayetteville to $127 per month for minimum coverage and $227 for full coverage. The table below shows the most affordable liability-only car insurance quotes in Fayetteville for drivers with DUIs.

Cheapest car insurance for seniors: State Farm

Age-related changes to vision, mobility, and reaction times can make it difficult for many seniors to drive safely.5 That’s why car insurance rates usually decrease around age 35 and then start to increase at around age 70. Seniors need to do some research to find the most affordable coverage.

Fayetteville seniors see average car insurance costs of $155 per month for full coverage and $87 for liability policies. To start your search, here’s an overview of the cheapest car insurance options for seniors in Fayetteville.

Cheapest car insurance for teens: State Farm

Teenagers are young drivers with limited experience on the road and higher accident rates than older drivers. While they usually face more expensive car insurance, they can save money if they stay on their parents’ policy, complete a driver safety course, and take advantage of a good student discount.

Car insurance for teen drivers in Fayetteville averages $184 monthly for liability-only coverage and $327 for full coverage. The table below highlights the cheapest car insurance companies for teens and young drivers in Fayetteville.

Fayetteville 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. This is why some insurance companies look at credit scores of prospective policyholders to help determine rates.6 Considering credit scores is illegal in some states, but Arkansas allows insurers to use credit scores when determining premiums.7

The chart below shows that a Fayetteville driver with excellent credit may pay $222 per month for car insurance, on average, while drivers with poor credit pay an average of $446 per month.

Is car insurance more expensive in Fayetteville?

Fayetteville’s average car insurance costs are in line with Arkansas state averages, but higher than national averages. It’s also important to note that car insurance costs in Arkansas vary by city and ZIP code as a result of different factors like population, weather conditions, and accident rates. For example, drivers pay more, on average, for an auto policy in Little Rock or Jonesboro than they do in Fayetteville.7

More cities in Arkansas

Here’s a look at the average monthly cost of car insurance in various cities in Arkansas.