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How much is car insurance in Springdale?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Springdale as it does in the rest of Arkansas.
Similarly, when compared to the national average, the cost for auto insurance in Springdale is lower. You can expect to pay about $18 less for your policy in Springdale than in the rest of U.S.
While these numbers represent the average monthly payments for coverage in Springdale, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
But don't worry, we've broken down the average rate for Springdale residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates climb back up a bit once you hit retirement in Springdale.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This rings true in Springdale, where women pay around $10 less per month than men. As you can see in the table above, female drivers in the area typically pay $57 on average, while female drivers typically pay $67 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Springdale with one accident will pay around $69 a month. In addition, drivers with a single ticket on their record can expect to pay around $68 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$61|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Springdale, with drivers paying around $58 per month for insurance coverage.
Car owners, on the other hand, typically pay around $66 a month, while SUV drivers can expect to pay about $60 per month to insure their vehicle.
The age of your vehicle has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Springdale, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
Generally speaking, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Springdale follows that pattern, with the difference totaling to around $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
Your living accommodations is another factor that affects your monthly rate. Homeowners in Springdale can expect to pay around $10 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Springdale, AR
Recent trends in car insurance for Springdale drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
Car insurance rates in Springdale had been increasing from 2017-2019, before leveling out in 2020. They finished down in 2022, at $66 a month
How does Springdale compare to neighboring areas?
Why are car insurance rates in Springdale different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Regional laws
- Total amount of drivers in the community
- Road Safety (frequency of local car accidents)
- Local crime rates
- Off-street parking availability
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Springdale?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Springdale.
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Springdale Insurance FAQs
What factors affect car insurance quotes in Springdale?
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 address, credit score, driving record, and marital status.
Why is the cost of car insurance in Springdale different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Springdale?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Springdale?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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 Springdale 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.
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