Fayetteville, AR Car Insurance

Residents of Fayetteville pay around $64 monthly for their car insurance coverage. To learn more about what you're likely to pay in the Fayetteville area, read our guide below.
How does Fayetteville compare to the surrounding area and the rest of Arkansas? What rates should residents of Fayetteville expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Fayetteville?

Area Average Monthly Car Insurance Premium
Fayetteville$64
AR$62
United States$80

As you can see in the chart above, it costs about the same to insure your vehicle in Fayetteville as it does in the rest of Arkansas.

Conversely, the expected monthly payments for an auto insurance policy in Fayetteville are below the national average. The average monthly payment for the United States as a whole is about $16 more expensive than in Fayetteville.

Bear in mind that while these rates represent the expected monthly payments for Fayetteville drivers, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've broken down the average rates for Fayetteville to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$184
18-24$90
25-34$56
35-44$50
45-54Not Enough Data
55-64$45
65+$52

It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Fayetteville drivers may see their rates creep back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$64
Female$64

Car insurance rates for men are usually slightly more expensive than they are for women. Male and female drivers in Fayetteville, however, both pay the same monthly amount for auto insurance.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$63
Multiple Accidents$87
1 Ticket$99
Multiple Tickets$98

Your rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Fayetteville, a driving record with one accident will usually get you a rate around $63 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $99.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$50
2-3 Years$63
4-5 Years$43
6-7 Years$60
8-10 Years$61
11-14 Years$71
15 Years or Older$63

The most affordable vehicles to insure in Fayetteville are usually trucks and vans, which run about $55 per month.

Car owners can expect to pay an average of around $64 a month for their policy, while SUVs usually cost around $68 a month to insure.

Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Fayetteville, vehicles eleven-to-fourteen years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$67
Married$54
Divorced$52
Widowed$53

More often than not, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

The difference in rates based on relationship status in Fayetteville is about $13 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$47
Rent$65
Live with parents$63

Another factor taken into consideration is your housing status. In Fayetteville, homeowners can expect to pay around $18 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Fayetteville, AR

Recent trends in car insurance for Fayetteville drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

In Fayetteville, the rates for auto insurance increased from 2016-2017, before steadying out in 2018. Insurance rates finished up in 2021, at $71 per month

How does Fayetteville compare to neighboring areas?

Why are car insurance rates in Fayetteville different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. Your insurance policy will depend largely on where you live and will be influenced by things such as:

  • General road safety (how many accidents each locality has)
  • Number of drivers
  • Availability of off-street parking
  • Local laws
  • Crime rates

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 Fayetteville?

While getting familiar with 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.

Good news! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies providing plans in Fayetteville.

Compare the cheapest quotes from dozens of insurance companies

Fayetteville Insurance FAQs

What factors affect car insurance quotes in Fayetteville?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, address, and marital status.

Why is the cost of car insurance in Fayetteville different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, parking situations, 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 Fayetteville?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Fayetteville?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Fayetteville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes