Cheap Auto Insurance in Springdale, Arkansas (2025)

Car insurance rates in Springdale are on par with Arkansas' average costs, which means they're higher than national averages. Springdale drivers pay, on average, $179 per month for full coverage and $101, according to Insurify data. Arkansas' averages are similar, but national average costs are significantly lower – $184 and $104, respectively.

Arkansas' higher-than-average fatality rate contributes to higher insurance costs in the state. Fortunately, Springdale has a comparatively low rate of fatal crashes,1 which likely helps keep its car insurance costs more in line with the state's. Comparing quotes from multiple insurers could help Springdale residents find below-average rates.

Cheapest car insurance companies in Springdale

Researching the most affordable car insurance coverage options in Springdale is important — especially if you have a tight budget. You don’t need to find the cheapest coverage, but you should aim for the right amount of coverage for your needs at a price point that works for you.

Here’s a breakdown of some affordable car insurance companies in Springdale.

Best car insurance for a DUI: State Farm

Best car insurance for seniors: USAA

Best car insurance for teenagers: GEICO

How to get the cheapest car insurance in Springdale

Finding cheap car insurance in Springdale involves considering various factors. Insurance companies assess your driving history, the type of vehicle you own, your age, and your credit rating.

To secure affordable rates, follow these tips:

• Keep a clean record. Maintain a clean driving record by avoiding accidents and traffic violations. Safe drivers earn the lowest rates when accounting for driving record.

• Choose a high deductible. Increasing your deductible amount can lower your premium.

• Bundle policies. Bundle your car insurance with other policies to receive multi-policy discounts.

• Ask about discounts. Ask potential insurance companies about discounts for safety features in your vehicle, like anti-theft devices and anti-lock brakes. Other common discounts reward drivers for good driving.

• Shop around. Compare quotes from different insurance companies to find the most affordable coverage.

Cheapest liability-only car insurance in Springdale: State Farm

Liability-only auto insurance covers expenses for injuries and damages you cause others in an accident but excludes coverage for your own vehicle repairs or medical bills. It typically includes bodily injury liability, which pays for medical costs and legal fees for others’ injuries, and property damage liability, which covers repairs or replacement of damaged property.1

The following table shows minimum-coverage quotes from top insurers in Springdale.

Cheapest full-coverage car insurance in Springdale: State Farm

Liability-only insurance covers damages and injuries you cause to others, while full-coverage insurance provides coverage for your vehicle and any medical costs. With collision and comprehensive coverage, full-coverage insurance provides coverage for collision and non-collision incidents.

If you have a new or high-value vehicle, you should opt for full-coverage insurance. And if you lease or finance your vehicle, your leasing company or lender will require you to buy full coverage.

Car insurance requirements in Arkansas

Arkansas drivers must carry liability insurance. The minimum liability limits mandated by law include bodily injury and property damage liability.2 Insurers typically offer higher coverage limits if you want additional coverage.

Beyond liability coverage, you can also purchase the following optional types of standard coverage:

Cheapest car insurance for drivers with an incident

Various driving-related occurrences that can affect your insurance rates include speeding tickets, driving under the influence (DUI) charges, at-fault accidents, and other moving violations. Having these incidents on your record can indicate to insurers a greater likelihood of filing a claim.3

In Springdale, drivers with moving violations on their records face higher average monthly insurance rates of $211 for full coverage and $119 for liability-only policies.

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

Though typically a less significant charge than a DUI or at-fault accident, speeding tickets can have a notable influence on your car insurance costs. Insurance companies view speeding violations as indicators of risky driving behavior, which often leads to higher premiums. Springdale saw 141 speed-related accidents in 2022, resulting in three fatalities.

Springdale drivers with speeding tickets face average car insurance rates of $229 per month for full coverage and $129 for liability only. The following table shows the impact a speeding ticket has on liability-only car insurance quotes from top insurers in Springdale.

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

At-fault accidents can significantly affect your car insurance costs. Insurance companies consider accidents as indicators of higher risk and potential future claims. If you have an at-fault accident on your driving record, expect your insurance premiums to increase.

The average cost of car insurance for Springdale drivers who've caused an accident is $229 per month for full coverage and $129 for liability. Here's how an at-fault accident affects car insurance quotes in Springdale.

Cheapest car insurance for drivers with a DUI: State Farm

When it comes to car insurance costs, DUIs can result in a dramatic increase in premiums. Due to the severity of the charge, insurance companies view DUIs as a strong indicator of high-risk behavior, which leads to higher rates. Some insurers may refuse to cover drivers with DUIs.

Springdale had relatively few DUI-related accidents in 2022. Still, average car insurance costs for city drivers with DUIs are much higher than averages for those with clean records. Full coverage averages $228 per month in Springdale for drivers with DUIs and $129 for minimum coverage. Here are liability-only quotes for top Springdale insurers.

Cheapest car insurance for seniors: State Farm

Age plays a crucial role in determining car insurance rates. Around age 35, insurance premiums often decrease as drivers gain experience and demonstrate responsible behavior. However, as drivers approach age 70, insurance costs tend to increase slightly due to changes to vision, mobility, reflexes, and cognitive abilities that can increase the risk of an accident.

Senior drivers in Springdale face average monthly car insurance costs of $156 for full coverage and $88 for liability-only policies.

Cheapest car insurance for teens: State Farm

“Teen drivers typically pay the highest rates due to their lack of experience behind the wheel and very high accident frequency rate,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute. “Rates begin to drop when a driver is in their mid-20s.”

Luckily, teenagers can utilize strategies to obtain cheaper car insurance. Staying on your parents’ insurance policy and taking advantage of a good student discount can result in more cost-effective rates. Opting for a safe car with good safety ratings can also lead to lower insurance premiums.

The average cost of car insurance for Springdale teens is $329 per month for full coverage and $186 for liability-only policies.

Springdale car insurance quotes by credit tier

In Springdale, Arkansas, car insurance companies may take your credit history into account when calculating premiums. Maintaining an excellent or good credit score can help secure lower rates, while a poor credit score may result in higher premiums. Check out the table below to see how your credit score can affect average monthly insurance quotes in Springdale.

Is car insurance more expensive in Springdale?

Springdale drivers have higher car insurance rates than the national average, but their costs are on par with Arkansas' state averages. Location is a significant rating factor for car insurance due to vehicle theft, vandalism, crash rates, and traffic congestion in an area.

More cities in Arkansas

The following table illustrates average car insurance rates in other Arkansas cities.