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How much is car insurance in Conway?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Conway are about $8 a month more expensive than the rest of Arkansas.
Compared to the national average cost of auto insurance coverage, Conway has lower rates. On average, it's about $9 less to insure your vehicle in Conway than it is in the rest of the U.S.
Although these are the average car insurance rates in Conway, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't sweat it however, we've broken down the average rate for Conway residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $53 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Conway drivers may see their rates creep back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This rings true in Conway, where women pay around $18 less per month than men. Looking at the table above, you can see that female drivers pay around $64 on average, while male drivers typically pay $82 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Conway, a driving record with a single accident will usually get you a rate around $77 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $67.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$160|
|15 Years or Older||$59|
In Conway, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $64 per month to insure their vehicle.
Car owners will see a monthly premium of about $75, while SUV owners usually pay around $69 a month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Conway, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$77|
Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in Conway reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $23 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$65|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $15 a month more than drivers who own property in Conway. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Conway, AR
Recent trends in car insurance for Conway drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
In Conway, car insurance rates rose from 2017-2019, before leveling out in 2020. Rates finished down in 2022, at $75 per month
How does Conway compare to neighboring areas?
Why are car insurance rates in Conway different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Rate of car accidents
- Community regulations
- Amount of drivers in the community
- Regional crime rates
- Off-street parking accessibility
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Conway?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Conway in no time.
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Conway Insurance FAQs
What factors affect car insurance quotes in Conway?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, address, marital status and driving record.
Why is the cost of car insurance in Conway different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Conway?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Conway?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Conway or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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