Cheap Auto Insurance in Springdale, Arkansas (2024)
Springdale drivers can find the lowest car insurance rates through State Farm. The insurer's minimum-coverage policies start at $29 per month.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
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Edited byKatie Powers
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Updated November 21, 2024
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Table of contents
Car insurance rates in Springdale are on par with Arkansas' average costs, which means they're higher than national averages. Springdale drivers pay, on average, $254 per month for full coverage and $119, according to Insurify data. Arkansas' averages are similar, but national average costs are significantly lower – $204 and $104, respectively.
Arkansas' higher-than-average fatality rate contributes to higher insurance costs in the state. Fortunately, Springdale has a comparatively low rate of fatal crashes,[1] which likely helps keep its car insurance costs more in line with the state's. Comparing quotes from multiple insurers could help Springdale residents find below-average rates.
Quick Facts
State Farm, USAA, and GEICO are the cheapest insurers for Springdale drivers.
Springdale had 2,658 crashes in 2022, 13 of which were fatal. In most accidents, drivers weren't injured at all.
With nearly 1,800 residents per square mile,[2] Springdale is densely populated, which could lead to traffic congestion and accidents.
Cheapest car insurance companies in Springdale
Researching the most affordable car insurance coverage options in Springdale is important — especially if you have a tight budget. You don’t need to find the cheapest coverage, but you should aim for the right amount of coverage for your needs at a price point that works for you.
Here’s a breakdown of some affordable car insurance companies in Springdale.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $61 | $30 | Cheap coverage |
| USAA | 9.4 | $75 | $36 | Seniors |
| GEICO | 9.0 | $93 | $45 | Teenagers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best car insurance for a DUI: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $29/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $60/mo |
4.2
Best choiceBased on 9040 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State farm consistently offers some of the lowest minimum-coverage rates for drivers of every type and age group in Springdale. On top of its low rates, the insurer offers multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Higher-than-average customer satisfaction rating in J.D. Power's 2023 U.S. Auto Insurance Study
Offers rideshare insurance
Cons
No gap insurance offering
Can't buy a policy online
Best car insurance for seniors: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $35/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $73/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
879NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
About 10% of Springfield's population is older than 65, and the city is home to more than 3,000 veterans. Senior drivers who are veterans will find affordable coverage and superior customer service with USAA. The insurer, which only provides coverage to active-duty members of the military, veterans, or their qualifying family members, consistently scores the highest of any insurer in J.D. Power customer satisfaction studies.
Pros
Low rates
SafePilot program rewards good driving with up to 30% discount
Cons
Limited to members of the military community
No 24/7 customer phone support
Best car insurance for teenagers: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $91/mo |
4.0
Best choiceBased on 10275 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO's rates for teen drivers in Springdale are competitive, but it's the insurer's discounts that make it a good choice for families with teenagers on their policies. GEICO offers numerous discounts that can help drivers mitigate the cost of having a teen driver in the household, including ones for vehicle safety equipment, having multiple vehicles on one policy, and a teen who gets good grades. Teens' parents can also qualify for additional discounts if they're a federal employee, in the military, or affiliated with certain groups.
Pros
Good rates for most drivers, including teens
Accident forgiveness coverage available
Cons
May not be the cheapest choice for drivers with moving violations
Doesn't offer new car replacement coverage
How to get the cheapest car insurance in Springdale
Finding cheap car insurance in Springdale involves considering various factors. Insurance companies assess your driving history, the type of vehicle you own, your age, and your credit rating.
To secure affordable rates, follow these tips:
Keep a clean record. Maintain a clean driving record by avoiding accidents and traffic violations. Safe drivers earn the lowest rates when accounting for driving record.
Choose a high deductible. Increasing your deductible amount can lower your premium.
Bundle policies. Bundle your car insurance with other policies to receive multi-policy discounts.
Ask about discounts. Ask potential insurance companies about discounts for safety features in your vehicle, like anti-theft devices and anti-lock brakes. Other common discounts reward drivers for good driving.
Shop around. Compare quotes from different insurance companies to find the most affordable coverage.
Cheapest liability-only car insurance in Springdale: State Farm
Liability-only auto insurance covers expenses for injuries and damages you cause others in an accident but excludes coverage for your own vehicle repairs or medical bills. It typically includes bodily injury liability, which pays for medical costs and legal fees for others’ injuries, and property damage liability, which covers repairs or replacement of damaged property.[3]
The following table shows minimum-coverage quotes from top insurers in Springdale.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $29 |
| USAA | $35 |
| GEICO | $44 |
| Auto-Owners | $50 |
| Allstate | $64 |
| Shelter | $64 |
| Farmers | $65 |
| Nationwide | $65 |
| Root | $68 |
| Progressive | $69 |
| Travelers | $69 |
| Safeco | $71 |
| National General | $92 |
| GAINSCO | $95 |
| Dairyland | $96 |
| Liberty Mutual | $123 |
| The General | $128 |
| Bristol West | $141 |
| Direct Auto | $180 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Springdale: State Farm
Liability-only insurance covers damages and injuries you cause to others, while full-coverage insurance provides coverage for your vehicle and any medical costs. With collision and comprehensive coverage, full-coverage insurance provides coverage for collision and non-collision incidents.
If you have a new or high-value vehicle, you should opt for full-coverage insurance. And if you lease or finance your vehicle, your leasing company or lender will require you to buy full coverage.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $60 |
| USAA | $73 |
| GEICO | $91 |
| Auto-Owners | $102 |
| Root | $118 |
| Safeco | $130 |
| Shelter | $133 |
| Allstate | $134 |
| Farmers | $135 |
| Nationwide | $135 |
| Travelers | $143 |
| Progressive | $144 |
| National General | $165 |
| GAINSCO | $213 |
| Dairyland | $240 |
| Liberty Mutual | $262 |
| The General | $270 |
| Bristol West | $361 |
| Direct Auto | $400 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Springdale, Arkansas
Drivers using Insurify have found quotes as cheap as $55/mo for liability only and $93/mo for full coverage in Springdale and other Arkansas cities.
*Quotes generated for Insurify users in and around Springdale, Arkansas within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Springdale, Arkansas within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Arkansas
Arkansas drivers must carry liability insurance. The minimum liability limits mandated by law include bodily injury and property damage liability.[4] Insurers typically offer higher coverage limits if you want additional coverage.
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $25,000 per accident |
Beyond liability coverage, you can also purchase the following optional types of standard coverage:
Collision
If you cause a collision, this coverage pays for car damage, excluding mechanical issues and wear and tear.
Comprehensive
This provides protection against theft and damages from non-collision incidents such as fire, flood, vandalism, hail, and falling objects.
Glass coverage
With this insurance you can get no-deductible coverage for windshields, side windows, rear windows, and glass sunroofs. Additional glass coverage options are also available.
Cheapest car insurance for drivers with an incident
Various driving-related occurrences that can affect your insurance rates include speeding tickets, driving under the influence (DUI) charges, at-fault accidents, and other moving violations. Having these incidents on your record can indicate to insurers a greater likelihood of filing a claim.[5]
In Springdale, drivers with moving violations on their records face higher average monthly insurance rates of $340 for full coverage and $159 for liability-only policies.
Find Car Insurance in Springdale
Minimum coverage starts at $36/mo. for Springdale drivers with incidents on their records
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Though typically a less significant charge than a DUI or at-fault accident, speeding tickets can have a notable influence on your car insurance costs. Insurance companies view speeding violations as indicators of risky driving behavior, which often leads to higher premiums. Springdale saw 141 speed-related accidents in 2022, resulting in three fatalities.
Springdale drivers with speeding tickets face average car insurance rates of $368 per month for full coverage and $172 for liability only. The following table shows the impact a speeding ticket has on liability-only car insurance quotes from top insurers in Springdale.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| State Farm | $29 | $38 |
| USAA | $35 | $46 |
| GEICO | $44 | $58 |
| Auto-Owners | $50 | $67 |
| Allstate | $64 | $85 |
| Shelter | $64 | $88 |
| Farmers | $65 | $86 |
| Nationwide | $65 | $87 |
| Root | $68 | $96 |
| Progressive | $69 | $91 |
| Travelers | $69 | $92 |
| Safeco | $71 | $95 |
| National General | $92 | $122 |
| GAINSCO | $95 | $135 |
| Dairyland | $96 | $127 |
| Liberty Mutual | $123 | $175 |
| The General | $128 | $172 |
| Bristol West | $141 | $188 |
| Direct Auto | $180 | $238 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
At-fault accidents can significantly affect your car insurance costs. Insurance companies consider accidents as indicators of higher risk and potential future claims. If you have an at-fault accident on your driving record, expect your insurance premiums to increase.
The average cost of car insurance for Springdale drivers who've caused an accident is $385 per month for full coverage and $180 for liability. Here's how an at-fault accident affects car insurance quotes in Springdale.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $29 | $40 |
| USAA | $35 | $49 |
| GEICO | $44 | $61 |
| Auto-Owners | $50 | $70 |
| Allstate | $64 | $89 |
| Shelter | $64 | $93 |
| Farmers | $65 | $90 |
| Nationwide | $65 | $91 |
| Root | $68 | $101 |
| Progressive | $69 | $97 |
| Travelers | $69 | $97 |
| Safeco | $71 | $98 |
| National General | $92 | $128 |
| GAINSCO | $95 | $127 |
| Dairyland | $96 | $133 |
| Liberty Mutual | $123 | $182 |
| The General | $128 | $181 |
| Bristol West | $141 | $196 |
| Direct Auto | $180 | $256 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
When it comes to car insurance costs, DUIs can result in a dramatic increase in premiums. Due to the severity of the charge, insurance companies view DUIs as a strong indicator of high-risk behavior, which leads to higher rates. Some insurers may refuse to cover drivers with DUIs.
Springdale had relatively few DUI-related accidents in 2022. Still, average car insurance costs for city drivers with DUIs are much higher than averages for those with clean records. Full coverage averages $435 per month in Springdale for drivers with DUIs and $204 for minimum coverage. Here are liability-only quotes for top Springdale insurers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $29 | $49 |
| USAA | $35 | $59 |
| GEICO | $44 | $74 |
| Auto-Owners | $50 | $84 |
| Allstate | $64 | $108 |
| Shelter | $64 | $108 |
| Farmers | $65 | $109 |
| Nationwide | $65 | $109 |
| Root | $68 | $103 |
| Progressive | $69 | $116 |
| Travelers | $69 | $116 |
| Safeco | $71 | $111 |
| National General | $92 | $155 |
| GAINSCO | $95 | $160 |
| Dairyland | $96 | $161 |
| Liberty Mutual | $123 | $207 |
| The General | $128 | $215 |
| Bristol West | $141 | $237 |
| Direct Auto | $180 | $303 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Age plays a crucial role in determining car insurance rates. Around age 35, insurance premiums often decrease as drivers gain experience and demonstrate responsible behavior. However, as drivers approach age 70, insurance costs tend to increase slightly due to changes to vision, mobility, reflexes, and cognitive abilities that can increase the risk of an accident.
Senior drivers in Springdale face average monthly car insurance costs of $199 for full coverage and $93 for liability-only policies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $22 | $45 |
| USAA | $27 | $57 |
| GEICO | $34 | $71 |
| Auto-Owners | $38 | $78 |
| Shelter | $45 | $94 |
| Nationwide | $47 | $98 |
| Progressive | $48 | $101 |
| Farmers | $49 | $103 |
| Allstate | $50 | $105 |
| Travelers | $53 | $109 |
| Root | $56 | $97 |
| Safeco | $59 | $108 |
| National General | $68 | $123 |
| Dairyland | $75 | $187 |
| GAINSCO | $78 | $174 |
| Liberty Mutual | $101 | $214 |
| The General | $101 | $213 |
| Bristol West | $110 | $282 |
| Direct Auto | $136 | $303 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
“Teen drivers typically pay the highest rates due to their lack of experience behind the wheel and very high accident frequency rate,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute. “Rates begin to drop when a driver is in their mid-20s.”
Luckily, teenagers can utilize strategies to obtain cheaper car insurance. Staying on your parents’ insurance policy and taking advantage of a good student discount can result in more cost-effective rates. Opting for a safe car with good safety ratings can also lead to lower insurance premiums.
The average cost of car insurance for Springdale teens is $441 per month for full coverage and $207 for liability-only policies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $50 | $104 |
| USAA | $59 | $124 |
| GEICO | $71 | $147 |
| Auto-Owners | $85 | $173 |
| Root | $103 | $178 |
| Shelter | $108 | $224 |
| Allstate | $115 | $241 |
| Farmers | $115 | $238 |
| Nationwide | $115 | $238 |
| Progressive | $122 | $255 |
| Travelers | $126 | $261 |
| Safeco | $138 | $253 |
| Dairyland | $156 | $391 |
| GAINSCO | $166 | $371 |
| National General | $183 | $328 |
| The General | $205 | $433 |
| Liberty Mutual | $213 | $454 |
| Bristol West | $240 | $615 |
| Direct Auto | $332 | $739 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Springdale car insurance quotes by credit tier
In Springdale, Arkansas, car insurance companies may take your credit history into account when calculating premiums. Maintaining an excellent or good credit score can help secure lower rates, while a poor credit score may result in higher premiums. Check out the table below to see how your credit score can affect average monthly insurance quotes in Springdale.
Quotes by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Springdale?
Springdale drivers have higher car insurance rates than the national average, but their costs are on par with Arkansas' state averages. Location is a significant rating factor for car insurance due to vehicle theft, vandalism, crash rates, and traffic congestion in an area.
More cities in Arkansas
The following table illustrates average car insurance rates in other Arkansas cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Conway | $238 | $130 |
| Fayetteville | $242 | $122 |
| Fort Smith | $224 | $118 |
| Jonesboro | $269 | $130 |
| Little Rock | $290 | $155 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Springdale car insurance FAQs
Finding the best auto coverage for your needs can feel stressful. The following information should help you navigate the process of buying car insurance in Springdale.
How much is car insurance in Springdale?
In Springdale, car insurance averages $254 per month for full coverage and $119 for minimum coverage. These rates are in line with the Arkansas state averages of $261 and $121, respectively, but higher than the national averages of $204 and $104.
Your actual car insurance rates may be higher or lower than the averages for your city or state, based on individual factors like your age, gender, and driving history.
Who has the cheapest car insurance in Springdale?
State Farm offers the cheapest car insurance rates for Springdale drivers, with liability-only policies starting as low as $29 per month. USAA and GEICO are the second- and third-cheapest auto insurance companies in Springdale, with liability-only rates from $35 and $44, respectively.
What are the best car insurance companies in Springdale?
Also the cheapest insurers, State Farm, USAA, and GEICO provide the best car insurance options for Springdale drivers. State Farm earned an IQ Score of 9.3, while USAA and GEICO have IQ Scores of 9.4 and 9.0. All three insurers offer competitive rates and ample discounts to help Springdale drivers save on car insurance.
How much car insurance do you need in Arkansas?
The minimum car insurance requirements in Arkansas include $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per person for property damage liability. You should consider purchasing additional coverage if you want more financial protection.
Is Arkansas a no-fault state?
Arkansas isn’t technically a no-fault state, but drivers can purchase optional personal injury protection (PIP) coverage. PIP insurance can pay for medical expenses for you and your passengers after an accident, regardless of fault. If you aren’t at fault, you can sue an at-fault driver for damages without needing to meet a specific monetary or verbal threshold because Arkansas isn’t a no-fault state.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Arkansas Department of Transportation. "Arkansas Crash Analytics Tool."
- U.S. Census Bureau. "Quick Facts Springdale city, Arkansas."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Arkansas Insurance Department. "Consumers FAQ: Private Passenger Automobile Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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