Best Car Insurance in Fayetteville 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Fayetteville.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
September 1, 2021Nissan Altima 3.5Se7270320Allstate$205/mo.$94/mo.
July 9, 2021Ford Escape Limited7270329Progressive$188/mo.$112/mo.
September 2, 2021Chevrolet Silverado K1500 LT7270346Progressive$200/mo.$118/mo.
June 5, 2021Ford Focus Titanium7270121Progressive$224/mo.$198/mo.
August 23, 2021Nissan Rogue S7270126Allstate$264/mo.$231/mo.
Here’s more information about what impacts the insurance rates in your Fayetteville.

How much does car insurance cost in Fayetteville?

Car insurance in Fayetteville, Arkansas costs single-car drivers an average of $2,536 annually, or about $211 per month. Compared to the state annual average of $2,593, auto insurance in Fayetteville is $57 lower.
Fayetteville is the second-largest city in Arkansas and ranked one of the best metro areas in the country to live. The cost of living is lower than the national average but the crime rate is one of the highest in the state, making for high car insurance rates.
If you’re looking to save money on car insurance, Jerry provides you with competitive quotes in under a minute. Swapping policies or companies is just as effortless. Jerry takes care of all the paperwork and phone calls and can even assist you in canceling your old policy!
Here is everything you need to know about car insurance in Fayetteville.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Fayetteville$3,224$2,056$3,147$1,518$3,295$2,476
National Average$3,223$2,143$3,086$1,764$3,423$2,486
FayettevilleNational Average
All Coverage Before Jerry
$3,224$3,223
All Coverage After Jerry
$2,056$2,143
Minimum Coverage Before Jerry
$3,147$3,086
Minimum Coverage After Jerry
$1,518$1,764
Full Coverage Before Jerry
$3,295$3,423
Full Coverage After Jerry
$2,476$2,486
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Choosing a carrier in Fayetteville

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Know what coverage you need? Great! Now you need to choose an insurance company.
Drivers in Fayetteville tend to choose reputable insurers like Farmers, State Farm, and Allstate. That said, there are plenty of smaller companies that offer excellent coverage at great rates.
Ultimately, your final premium will depend on factors such as your age, vehicle, and driving history. That’s why it’s important to shop around and compare rates!
Here’s what drivers pay with various insurance providers in Fayetteville before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Safeco$2,580$1,253Compare Prices
Allstate$2,334$804Compare Prices
Dairyland$2,100$649Compare Prices
Progressive$2,174$510Compare Prices
State Auto$2,436$333Compare Prices
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What kind of car insurance you need in Fayetteville

In Fayetteville, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
To legally drive in Arkansas, you must purchase at least the following liability insurance:
Drivers must also carry proof of insurance, a valid driver’s license, and valid car registration in the car at all times.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
After signing up for the liability you need, it’s time to get the coverage you want. Those coverages add extra protection to you and your vehicle so you don’t end up paying a hefty bill after an emergency.
Here are some recommended policy options for drivers in Fayetteville:
FactorRecommended coverageDescription
High populationCollision insuranceOver 85,000 people call Fayetteville home, so there are lots of drivers on the roads. If you get into a car accident, collision insurance will cover vehicle damages.
AccidentsAccident forgivenessI-49 and routes 16, 62, and 74 all bring traffic and congestion to Fayetteville. In the event of your first accident, accident forgiveness will prevent your car insurance rates from increasing.
Inclement weatherComprehensive coverageThe weather in Fayetteville can be unpredictable. If severe storms or tornadoes damage your vehicle, comprehensive insurance will pay for the damage.
Uninsured driversUninsured/underinsured motorist coverageAbout 19% of drivers in Arkansas are uninsured. If you get into an accident with one of them, this policy will cover your property damage, medical bills, and more.

What determines your car insurance cost in Fayetteville

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Fayetteville, you could be paying as much as $7 more per month than an adult driver. These are average rates for Jerry customers in Fayetteville broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,897$1,466
21-24$2,597$1,049
25-34$2,523$689
35-44$2,556$998
45-54$2,632$1,181
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Fayetteville with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,606$968
Leaving scene of an Accident/Hit and Run$2,760$1,620
DUI$2,760$1,620
Speeding over 15$3,108$1,157
Careless Driving$2,760$675
Failure to Obey Traffic Sign$1,734$639
Speeding under 15$1,995$611
Other$3,468$1,293
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Where in Fayetteville you live

It may seem like insurance rates in Fayetteville should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Fayetteville, residents of 72704 will have the most expensive car insurance rates, while people who live in 72701 and 72703 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Fayetteville:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
June 1, 202172703Kia Optima LXAR46State Auto$109/mo.$57/mo.
October 15, 202172703Kia Forte LXAR29Dairyland$160/mo.$67/mo.
October 5, 202172703Ford Taurus LimitedAR40Safeco$215/mo.$94/mo.
August 9, 202172701Acura 3.2TlAR18Commonwealth Insurance$290/mo.$132/mo.
July 31, 202172701Honda Fit LXAR21Travelers$259/mo.$155/mo.
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Why is car insurance in Fayetteville so expensive?

A variety of considerations determine baseline car insurance rates in Fayetteville. Insurance companies often consider the following:

Crime rate

The crime rate in Fayetteville is quite high, which means insurers bear a good amount of risk when insuring your vehicle. To account for this, rates tend to be high.

High population

More than 85,000 people call the area home, which means lots of cars on the road. Since the risk of an accident is high, insurance rates increase.

Inclement weather

Like other cities in Arkansas, Fayetteville is prone to severe weather that can cause serious damage to vehicles. When the risk of claims is higher, comprehensive insurance coverage costs increase.

How can you save money on car insurance in Fayetteville?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Discounts are a great way to lower your car insurance costs. Here are some common options for drivers in Fayetteville:
DiscountDescription
Customer loyaltyBundling multiple insurance policies under a single insurance carrier proves your appreciation for the company and often saves you money.
HomeownerCar owners who also own a home may receive extra discounts on their policy.
Good studentStudents under 25 may get insurance discounts with proof of a high GPA.
PaperlessMany insurers offer a small discount if you agree to receive your bills and documents online.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

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