Table of contents
How much is car insurance in Springdale?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Springdale are about the same as the rest of Arkansas.
Likewise, car insurance rates in Springdale are often favorable when viewed against the rest of the country. You can expect to pay about $19 below the national average for auto insurance in Springdale.
Although these are the average car insurance rates in Springdale, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Springdale and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay $45 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Springdale drivers may see their rates climb back up once they hit retirement age.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Springdale is around $8 per month. As you can see in the table above, male drivers in the area typically pay $64 on average, while female drivers typically pay $56 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Springdale, drivers with one accident on their record will experience rates around $69 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $81.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$59|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Springdale, with drivers paying around $53 per month for insurance coverage.
Car owners, on the other hand, typically pay around $65 a month, while SUV drivers can expect to pay about $58 per month for insurance coverage.
You may also see different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Springdale are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
More often than not, those who are currently married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
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 $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Springdale, expect to pay around $9 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
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 shopping for coverage.
The cost of car insurance coverage in Springdale increased from 2016-2019, before steadying out in 2020. Rates finished up in 2021, at $69 a month
How does Springdale compare to neighboring areas?
Why are car insurance rates in Springdale different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot 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:
- Off-street parking accessibility
- Road safety
- Prevalence of crime
- Total amount of drivers in the area
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. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Springdale?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But wait! 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 loads of the car insurance companies providing plans in Springdale.
Springdale Insurance FAQs
What factors affect car insurance quotes in Springdale?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Springdale different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Springdale?
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 however, by using sites like Compare.com to compare multiple quotes at once.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Springdale or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.