Fayetteville Car Insurance

Your Complete Car Insurance Guide for Fayetteville, AR

Find the right car insurance policy for you.

Fayetteville is the third largest city in Arkansas and home to the University of Arkansas. It is located deep within the Ozark Mountains at an elevation of 1,400 feet.

Mountain driving coupled with thousands of visiting Arkansas Razorback fans can make Fayetteville roads treacherous at certain times of the year.

Car insurance can help Fayetteville drivers feel more secure as they go about their busy lives. A Fayetteville auto insurance policy is the best way to protect your assets from the costs of car accidents and other mishaps on the road.

A Trusted Choice® Independent Insurance Agent can assess the needs of Fayetteville residents and help you find the right policy for your needs and budget.Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

How much does Fayetteville car insurance cost?

Fayetteville car insurance costs around $209 per month, on average. Most Fayetteville drivers can find affordable car insurance coverage.

What you pay is based on a variety of personal characteristics such as the following:

  • Your ZIP code
  • The make and model of your car
  • The miles you put on your car each year

If your rates seem higher than average, you may have a car that is more expensive to repair or replace. Or perhaps you drive farther to work every day.

More than anything, you need Fayetteville car insurance that tackles your risks and fits your budget. A Trusted Choice agent will help you do just that.

What does Fayetteville car insurance actually do for me?

Fayetteville car insurance can protect your finances if you are in an accident while on the road. It can pay for injuries and car repairs if you cause an accident.

Arkansas requires drivers to purchase a minimum amount of liability insurance. But the minimum coverage amount likely won’t be enough in case of a serious accident.

Here’s how your Fayetteville car insurance can help pay for mishaps involving your car.

  • Fix Your Car - We officially call this "Comprehensive & Collision Coverage." Nothing required.
  • Fix Someone Else's Car - We officially call this "Property Damage Liability." Required min. $25,000.
  • Pay Your Medical Bills - We officially call this "Personal Injury Protection" or "PIP." Required min $5,000.
  • Pay Someone Else's Medical Bills - We officially call this "Bodily Injury Liability." Required min. $25,000 per person, $50,000 per accident.

Who pays if the accident wasn't my fault?

The driver who caused the accident, of course. Unfortunately, some people drive without insurance.

16.6% of Arkansas drivers are uninsured.

That's when you need “uninsured motorist coverage.” It pays for your vehicle repairs and medical bills if an uninsured driver hits you.

Without it, you could face devastating financial consequences.

Some states require all drivers to purchase a minimum amount of uninsured motorist coverage.

Arkansas has the ninth highest percentage of uninsured drivers in the U.S. But Arkansas drivers are not required to purchase uninsured motorist coverage.

What Affects the Cost of Fayetteville Auto Insurance?

How much you pay for a Fayetteville auto insurance policy is based on how risky you are as a driver. Insurance companies look at several of your personal risk factors, including the following:

  • Your age
  • Your gender
  • Your ZIP code
  • Your driving history
  • Your car
  • The number of drivers in your household

Young drivers, for example, are less experienced behind the wheel and are considered to be riskier than older, more experienced drivers. Teens and young adults should always expect to pay more for car insurance than older drivers.

More expensive or newer cars cost more to insure, too, because insurance companies know their parts cost more to repair or replace if you’re in an accident. If you drive a luxury SUV, you will likely pay more for car insurance than someone who drives a modestly-priced, older car.

Fortunately, insurance companies typically offer discounts to help offset some of the costs for most drivers — even teens. Your Trusted Choice agent can help you maximize the discounts that you are eligible for.

  • National Average: 25.4 minutes
  • Fayetteville Average: 18.3 minutes

Theft in your city: Fayetteville has a relatively high rate of auto theft, compared to the U.S. overall. Auto insurance rates in Fayetteville may be higher as a result.

Car insurance is important no matter where you live. It helps you pay to repair or replace a vandalized or stolen vehicle, minimizing the time that you are without a car. It also helps you pay to replace any belongings that are stolen from your car.

To minimize the chance of your car being stolen, always take precautions.

  • Never leave your vehicle running while unattended.
  • Never leave your keys in your car.
  • Never leave valuables visible in your car.
  • Always park in busy, well-lit areas.
  • Always lock your car, even at home.

If your car is stolen, be sure to report it to the police and your insurance agent right away.

  • Auto Theft Rate in U.S. (per 1,000 vehicles): 2.94
  • Auto Theft Rate in Fayetteville (per 1,000 vehicles): 4.88

How to Find Affordable Auto Insurance in Fayetteville

Trusted Choice Independent Insurance Agents aren't tied down to one carrier. They can get quotes from multiple insurance companies and offer a variety of policy options.

Whether you just purchased a new vehicle or have had the same policy for a decade, it’s time to shop around.

Our agents will assess your risks, answer your questions and offer quality car insurance that meets the varying needs of Fayetteville residents.

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