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Cheapest car insurance in Conway, Arkansas (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Conway, Arkansas.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance in Conway

On average, car insurance in Conway costs $98 per month for minimum liability coverage, or about $140 per month for full-coverage insurance. Conway drivers pay 8% more the
Arkansas
state average. 
Smart car insurance shoppers in Conway, Arkansas turn to Jerry every month, because Jerry makes it easy for customers to
compare and purchase affordable car insurance
. Below are some of the cheapest car insurance quotes Jerry found for customers in Conway.  
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$90
Andre, 27
Zip: 72032
Hyundai Sonata Hybrid
• 25,000/50,000 Liability
• Comp / Collision
Allstate
$150
Billy, 29
Zip: 72034
Toyota RAV4 XLE
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$83
Harvey, 23
Zip: 72035
Toyota Corolla L
• 25,000/50,000 Liability
coverageLast Updated Apr 9, 2024

Best Car Insurance Companies in Conway

We asked real policyholders about the best car insurance rates in Arkansas in one of the largest shopping surveys in the nation. Here’s what they said:
  • Safeco and Dairyland welcomed the highest number of drivers in the state with low rates and great customer service.
  • USAA helped military members and their families save with amazing discounts.
  • Progressive had a lower rating for policy cost but earned strong ratings for customer service.
When it comes to shopping for car insurance, every customer receives different quotes based on their profile—meaning that the “best” insurance company can be different for everyone. 
Aside from the cost of insurance, you’ll also want to consider factors such as claims handling and customer service when choosing a provider.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Safeco
4.8
4.3
N/A
4.8
Allstate
4.8
3.7
N/A
4.2
Progressive
4.5
4.1
4.7
4.6
State Farm
4
3
3
3.6
Geico
3.3
2.5
N/A
3
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Conway

To legally hit the road in Conway, Arkansas, drivers are required to carry set amounts of
liability insurance
. Liability coverage helps compensate for costs associated with accident-related injuries or property damage for other drivers if you cause a collision while driving. 
But minimum liability may not offer enough financial coverage in the event of an accident—so drivers in Conway should consider purchasing full coverage for the best protection.

Cheap minimum liability insurance quotes in Conway

Minimum liability coverage in Arkansas means at least $25,000 of
bodily injury liability
coverage per person, $50,000 of bodily injury liability coverage per accident, and $25,000 of
property damage liability
coverage per accident. 
This amount of coverage is commonly simplified to 25/50/25. If you’re looking for the cheapest option for car insurance, this is it. 
With this basic liability coverage, you’ll be protected up to your policy’s limits in the event that you are responsible for injuries or property damage while driving. 
Here are some examples of Conway car owners that Jerry has assisted in obtaining minimum liability coverage.
card cover
Elnora (32 years old)
coverageCoverage
State Minimum
locationConway, AR
(Zip Code: 72035)
$71
per month
card cover
Francisco (32 years old)
coverageCoverage
State Minimum
locationConway, AR
(Zip Code: 72035)
$70
per month

Do you need more than minimum coverage in Conway?

If you're at fault in a car accident whose damages exceed your liability coverage limits, you're underinsured. 
In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the state’s 25/50/25 limit—especially if you cause serious injuries to another person. 
The plaintiff may sue you if the property damages or bodily injuries you caused are severe—and
Arkansas car accident laws
allow personal injury lawsuits up to three years after an accident! 
The bottom line: Raise your coverage level to 50/100/50 if you have space in your budget, especially if you live in a densely-populated area.

Cheap full coverage car insurance quotes in Conway

Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your own vehicle. 
An average full-coverage car insurance policy includes liability coverage along with
collision coverage
and
comprehensive coverage
. Collision coverage pays for any damage to your car caused by an impact with another vehicle or a stationary object. Damages from vandalism, theft, or inclement weather fall under comprehensive coverage.
Lease and financing agreements often require you to carry both collision and comprehensive coverage. On top of a full-coverage policy, you can purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. 
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 25,000/50,000 Liability
• Comp / Collision
Progressive
$90
Andre, 27
Zip: 72032
Hyundai Sonata Hybrid
• 25,000/50,000 Liability
• Comp / Collision
Safeco
$124
Julia, 53
Zip: 72034
Ford Fusion SE
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$110
Della, 36
Zip: 72032
Buick Enclave
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$150
Billy, 29
Zip: 72034
Toyota RAV4 XLE
coverageLast Updated Apr 9, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.
Jerry,
a top insurance agency
, offers a free app that lets you compare car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in Conway

Based on Jerry’s work with drivers in Conway, we’ve found that the average annual cost minimum liability coverage is $1,176 each year. That works out to about $98 per month. For full coverage, Conway drivers typically pay $1,681 per year or $140 per month. 
While average insurance rates can help you predict your own insurance costs, it's important to note that every driver's insurance premium is calculated differently. 
Car insurance companies look at many different factors when
calculating your annual premiums
, including your demographics, driving record, and discount eligibility—so your actual insurance costs could vary significantly from the state averages.

Car insurance quotes in Conway by rating factors 

Insurance companies in Conway use many rating factors when deciding your auto insurance premium:  
  • Your driving record and claims history: Accidents, tickets, or other traffic violations on your
    driving record
    could result in higher premiums.
  • Your age: Teen and senior drivers often face the highest insurance premiums, as these age groups are considered high-risk among insurers. 
  • Your vehicle: Liability coverage could cost more for popular models. Collision and comprehensive coverage costs more for luxury, high-performance, and sports cars. 
  • Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims. 
  • How you use your car: Your annual mileage can play a role in what you pay for coverage. Insurance companies often charge more when you put more miles on your car.

How do different factors impact your car insurance costs in Conway?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Arkansas currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Conway:

Cheap car insurance quotes in Conway after driving violations

A poor driving record is one of the biggest obstacles to finding cheap car insurance rates in Arkansas.
Violations on your record
can drive up the cost of your annual premiums, especially if you have serious infractions on your record. 
Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license
 
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Travelers
$60
Claudia, 44
Zip: 72035
Subaru Tribeca
• 100,000/300,000 Liability
Speeding 6-10
Allstate
$66
Cody, 40
Zip: 72033
Toyota Land
• 50,000/100,000 Liability
coverageLast Updated Apr 8, 2024

Cheapest car insurance in Conway after DUI

Under
Arkansas's DUI laws
, a conviction for driving with a blood-alcohol level of 0.08% or higher will remain on your driving record for five years
That’s five years of sky-high car insurance premiums! Not to mention the possibility of expensive fines, license suspension, and possible jail time. 
The good news is, Jerry has helped many drivers in Conway obtain affordable auto insurance rates after a DUI. 
card cover
Pauline (42 years old)
coverageCoverage
State Minimum
locationConway, AR
(Zip Code: 72033)
$64
per month
card cover
Madge (41 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationConway, AR
(Zip Code: 72034)
$60
per month

Cheapest car insurance in Conway after an at-fault accident

If an at-fault car accident derailed your insurance rates, trust Jerry to help you find affordable quotes like these Arkansas drivers did:
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$122
Bernice, 32
Zip: 72032
KIA Optima LX
• 25,000/50,000 Liability
• Comp / Collision
Not At Fault
Travelers
$212
Helen, 30
Zip: 72032
KIA Optima LX
• 25,000/50,000 Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$105
Stella, 31
Zip: 72032
Hyundai Sonata SE
• 25,000/50,000 Liability
• Comp / Collision
coverageLast Updated Apr 12, 2024

Cheapest car insurance in Conway after other driving violations

Car insurance premiums are sensitive to any mistake, big or small—whether it’s a speeding ticket, DUI conviction, or any other traffic violation. Here are some examples of how Jerry has helped other Conway drivers find cheap car insurance despite previous violations.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Careless Driving
Progressive
$371
Ida, 26
Zip: 72034
Toyota Corolla LE
• 25,000/50,000 Liability
• Comp / Collision
Improper Passing
Progressive
$77
Dale, 25
Zip: 72034
Toyota Corolla
• 25,000/50,000 Liability
coverageLast Updated Apr 9, 2024

Cheap car insurance quotes in Conway by age

Teen drivers will want to mark their calendars for their 25th birthday—because that's when car insurance rates typically start to decline for young drivers. At age 75 rates begin to rise again. 
Whether you're a teenage driver or senior driver who falls outside this golden bracket, here's how to make the most of your age.

Cheapest car insurance in Conway for young drivers

Teen drivers aged 16 to 19 are most likely to be involved in an accident. This risk—coupled with a limited driving and insurance history—means that teen drivers pay the highest premiums of any age group. 
Consider a full-coverage car insurance policy if you're insuring an inexperienced driver. No matter who is at fault for an accident, collision coverage will pay for repairs to your teen’s vehicle. 
card cover
Elizabeth (23 years old)
coverageCoverage
250,000 per person
500,000 per accident bodily injury
Comp / Collision
locationConway, AR
(Zip Code: 72032)
$124
per month
card cover
Harvey (23 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationConway, AR
(Zip Code: 72035)
$83
per month
card cover
Eric (20 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationConway, AR
(Zip Code: 72034)
carLexus ES 350
$239
per month
card cover
Gainsco
Eliza (23 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationConway, AR
(Zip Code: 72034)
$111
per month

Cheapest car insurance in Conway for senior drivers

Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies. This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.
As a result, insurance providers feel justified in charging seniors higher rates for car insurance. The exception comes with companies like AARP, which specifically insure older adults and offer some of
the best car insurance rates for seniors
Count on Jerry's expert customer service team to help you find affordable plans and coverage options.
card cover
Hattie (66 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationConway, AR
(Zip Code: 72034)
$63
per month
card cover
Eric (74 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationConway, AR
(Zip Code: 72034)
$95
per month

Cheap car insurance quotes in Conway based on insurance history

Another factor that can impact your rates is your insurance history—i.e., whether you are currently insured or not.
Any lapse in coverage
usually leads to an increase in car insurance rates.
To stop a car insurance lapse from impacting your rates, call your provider and ask if they offer a grace period, and whether they can reinstate your policy. If not, try shopping around for a better rate.
Jerry can help you sign up with a new insurance company in just a few taps and send you automatic payment and renewal reminders to avoid a future coverage lapse. 
card cover
Myra (27 years old)
Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
locationConway, AR
(Zip Code: 72032)
$90
per month
card cover
Lily (29 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationConway, AR
(Zip Code: 72034)
$150
per month
card cover
Kathryn (36 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationConway, AR
(Zip Code: 72032)
$110
per month
card cover
Steve (23 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationConway, AR
(Zip Code: 72032)
carGMC Sierra K1500 SLE
$303
per month
card cover
Bobby (20 years old)
Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationConway, AR
(Zip Code: 72034)
carLexus ES 350
$239
per month

Cheap car insurance quotes in for drivers with poor credit

drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$97
Lola, 28
Zip: 72032
Mazda 3 Preferred
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Safeco
$98
Mary, 62
Zip: 72032
Ford Focus SE
• 25,000/50,000 Liability
• Comp / Collision
660 - 750
Gainsco
$156
Ola, 28
Zip: 72032
GMC Yukon SLT
• 25,000/50,000 Liability
• Comp / Collision
550 - 659
Nationwide
$105
Stella, 31
Zip: 72032
Hyundai Sonata SE
• 25,000/50,000 Liability
• Comp / Collision
< 550
State Auto
$98
Vincent, 48
Zip: 72032
Dodge RAM 1500
• 25,000/50,000 Liability
coverageLast Updated Apr 12, 2024

How to lower car insurance costs in Conway

1. Shop around and compare quotes

Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place. To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.
That’s where Jerry can help. In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. 

 2. Hunt for car insurance discounts

Every insurance company offers a set of discounts, but the exact discounts offered—and whether or not you qualify for them—can vary among insurers.
Commonly available discounts
for Arkansas drivers include: 
  • Good driver discounts: Drivers with a clean driving record and claims-free insurance history typically enjoy lower rates—and often receive discounts anywhere from 10% to 30% off their insurance premiums. 
  • Telematics discounts: Many providers offer discounts to drivers who use telematics to monitor their driving habits. You might even get a discount just for enrolling!
  • Good student discounts: Full-time high school and college students that maintain a B average or higher may qualify for a discounted car insurance rate.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, opting for a higher deductible can help keep your monthly expenses low without sacrificing coverage.

FAQ

People living in Conway pay on average $98 per month – or $1,176 per year – on state-minimum liability coverage. Full coverage in Conway costs on average $140 per month of $1,681 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
Based on thousands of Conway drivers Jerry has worked with, car insurance in Conway costs an average of $98 per month for state-minimum coverage and $140 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today! 
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Nationwide
,
Safeco
, and Safe Auto receive good ratings from Conway drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry. 
The state-minimum car insurance in Conway, Arkansas is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
badge icon
Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.