Fayetteville, AR Car Insurance – Cheapest Rates (2023) + Comparisons

• Fayetteville car insurance rates average $1,714 per year for full coverage, or approximately $143 per month.
• Fayetteville, AR, auto insurance averages $132 per year less than the Arkansas state average cost ($1,846) and $29 per year more than the rate average for the entire United States ($1,685).
• Car insurance rates for a few popular models in Fayetteville include the Subaru Outback at $1,476 per year, Mazda CX-5 at $1,346, and Jeep Grand Cherokee at $1,820.
• SUV models like the Nissan Rogue Sport, Chevrolet Trailblazer, Buick Envision, and Kia Seltos have the best chance of getting cheap car insurance in Fayetteville.
• A few vehicles with segment-leading car insurance rates in Fayetteville include the Acura Integra, Subaru Legacy, Lexus RX 350, Nissan Titan, and Cadillac CT5.

How much does Fayetteville car insurance cost?

In Fayetteville, the average cost of car insurance is $1,714 per year, which is 1.7% more than the national average rate of $1,685. Per month, Fayetteville drivers can expect to pay an average of $143 for a policy with full coverage.

The average cost of car insurance in Arkansas is $1,846 per year, so Fayetteville, AR, drivers pay an average of $132 less per year than the overall Arkansas state-wide average rate. When compared to other larger cities in Arkansas, the cost of auto insurance in Fayetteville is approximately $10 per year more expensive than in Fort Smith, $72 per year less than in Jonesboro, and $354 per year cheaper than in Little Rock.

The chart below summarizes average auto insurance cost in Fayetteville broken out based on a variety of different driver ages and policy risk profiles. Rates are averaged for all 2023 vehicle models including luxury cars and SUVs.

In the chart above, the cost of car insurance in Fayetteville ranges from $1,424 per year for a 40-year-old driver with many policy discounts to $3,892 per year for a 30-year-old driver who has a few accidents and violations and has to buy a high risk policy. When those numbers are converted to a monthly rate, the average cost in the previous chart ranges from $119 to $324 per month.

Car insurance rates are extremely variable and are impacted by many different factors. The likelihood of a wide range of rates stresses the need to get multiple auto insurance quotes when shopping online for the cheapest Fayetteville auto insurance.

The age of the driver is probably the number one factor that determines the cost of auto insurance, so the list below illustrates this point by showing the difference in average car insurance rates for different driver ages.

Fayetteville, AR, car insurance cost for drivers age 16 to 60

• 16 year old – $6,136 per year or $511 per month
• 17 year old – $5,740 per year or $478 per month
• 18 year old – $5,360 per year or $447 per month
• 19 year old – $4,854 per year or $405 per month
• 20 year old – $3,408 per year or $284 per month
• 30 year old – $1,806 per year or $151 per month
• 40 year old – $1,714 per year or $143 per month
• 50 year old – $1,562 per year or $130 per month
• 60 year old – $1,530 per year or $128 per month

The rates in the list above for drivers age 16 to 19 were based on the rated driver being male. The chart below goes into more detail regarding the cost of insuring teen drivers and breaks out average teen driver car insurance rates by gender. Females are generally slightly cheaper to insure than males, notably at younger ages.

Car insurance for a female 16-year-old driver in Fayetteville costs an average of $732 less per year than the cost for a male driver, while at age 19, the cost difference is less but females still cost $538 less per year.

Insuring Fayetteville’s favorite cars, trucks, and SUVs

The previously discussed car insurance rates take all 2023 models and come up with an average cost, which is suitable for making overall comparisons like the difference in average auto insurance cost for two different locations in Arkansas. Average auto insurance rates are perfect when answering questions like “are car insurance rates in Fayetteville cheaper than in Springdale?” or “is Arkansas car insurance cheaper than Texas?”.

For more accurate auto insurance cost comparisons, however, the rates will be more accurate if we look at the specific make and model of vehicle being insured. Every make and model has different characteristics for calculating how much auto insurance costs and this data allows us to perform detailed insurance cost comparisons.

The next chart breaks down average car insurance cost in Fayetteville for the more popular vehicles. Later on, we’ll explore the ins-and-outs of insuring some of these models in more detail.

Which cars have cheap insurance in Fayetteville, Arkansas?

The models with the lowest cost average auto insurance quotes in Fayetteville, AR, tend to be small SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Buick Envision. Average car insurance quotes for those crossover SUVs cost $114 or less per month to have full coverage.

Some other vehicles that have affordable car insurance rates in our car insurance cost comparison are the Subaru Impreza, Ford Maverick, Ford Edge, and Subaru Ascent.

The average insurance cost is somewhat higher for those models than the cheapest crossovers and small SUVs that rank near the top, but they still have an average insurance cost of $1,452 or less per year in Fayetteville.

The next table ranks the vehicles with the cheapest overall insurance rates in Fayetteville, ordered by cost.

The above table containing 20 of the cheapest vehicles to insure in Fayetteville serves the purpose if you’re just looking for any vehicle with cheap insurance rates. Considering the fact that we rate over 700 vehicles, less than 3% of makes and models are shown in the table. So let’s dig deeper and show the models with the lowest rates in a more sensible format, by vehicle segment.

This next section further discusses the average cost of car insurance for each vehicle segment. The rates shown in the chart should provide a good idea of which types of cars, trucks, and SUVs that have the cheapest average auto insurance rates. Then the six subsequent sections rank the models with the most affordable auto insurance in each segment.

Fayetteville auto insurance rates by vehicle segment

When shopping for a new or used vehicle, it’s useful to know which kinds of vehicles have more affordable car insurance rates in Fayetteville. For example, you may be wondering if SUVs are more affordable to insure than minivans or if sports cars have cheaper insurance than luxury cars.

The chart below shows the average cost of car insurance rates in Fayetteville for different vehicle segments. From an overall average perspective, small and midsize SUVs, vans and minivans, and midsize pickup trucks have the most affordable average auto insurance rates, while sports cars and performance luxury models have the most expensive overall car insurance rates.

Average insurance rates by segment are fine for getting a ballpark comparison, but rates vary substantially within each vehicle segment shown in the chart above.

For example, in the small SUV segment, Fayetteville auto insurance rates range from the Chevrolet Trailblazer at $1,296 per year up to the Ford Mustang Mach-E at $1,938 per year.

For another example, in the large truck segment, the average cost of insurance ranges from the Nissan Titan at $1,696 per year to the GMC Hummer EV Pickup at $2,162 per year, a difference of $466 within that segment.

In the next sections of the article, we eliminate much of the variability by analyzing the cost of car insurance in Fayetteville at a model level.

Cheapest car insurance rates in Fayetteville, Arkansas

The four most affordable non-luxury cars to insure in Fayetteville are the Subaru Impreza at $1,418 per year, Volkswagen Jetta at $1,566 per year, Subaru Legacy at $1,576 per year, and Nissan Sentra at $1,592 per year.

Other models that have affordable average insurance rates include the Kia K5, Mazda 3, Volkswagen Golf, and Toyota Camry, with an average car insurance cost of $1,652 per year or less.

From a monthly standpoint, auto insurance rates in this segment starts at around $118 per month, depending on where you live and the company you use.

The table below ranks the cars with the lowest-cost car insurance in Fayetteville, starting with the Subaru Impreza at $1,418 per year ($118 per month) and ending with the Volkswagen Arteon at $1,798 per year ($150 per month).

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Don’t see rates for your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Fayetteville car insurance quotes from top auto insurance companies in Arkansas.

Cheapest SUV insurance rates in Fayetteville

The four highest ranking SUVs with the lowest-cost average insurance rates in Fayetteville are the Chevrolet Trailblazer at $1,296 per year, Subaru Crosstrek at $1,310 per year, Nissan Kicks at $1,314 per year, and Honda Passport at $1,332 per year.

Not the cheapest in the list, but still ranking well, are models like the Buick Encore, Buick Envision, Kia Seltos, and Mazda CX-5, with an average cost of $1,394 per year or less.

Additional SUVs that rank well include the Hyundai Kona, Volkswagen Atlas, Subaru Forester, Hyundai Venue, and Chevrolet Trax, which average between $1,394 and $1,472 per year for insurance.

Full-coverage insurance in this segment for a middle-age safe driver will start around $108 per month, depending on your location and insurance company. The comparison table below ranks the SUVs with the most affordable car insurance rates in Fayetteville, starting with the Chevrolet Trailblazer at $108 per month and ending with the Chevrolet Trax at $123 per month.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Don’t see insurance rates for your SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Arkansas.

Cheapest sports car insurance rates in Fayetteville

The lowest-cost sports cars to insure in Fayetteville are the Mazda MX-5 Miata at $1,582 per year, the Audi TT at $1,776 per year, and the Ford Mustang at $1,860 per year.

Not the cheapest, but still in the top 10, are cars like the Subaru BRZ, BMW M2, Nissan Z, and Toyota GR Supra, with an average cost to insure of $2,068 per year or less.

Ranking between positions 10 and 20, models like the BMW M3, Lexus RC F, Porsche Taycan, Porsche 718, Lexus LC 500, and Mercedes-Benz AMG GT53 average between $2,068 and $2,576 to insure per year.

From a monthly standpoint, full-coverage auto insurance on this segment in Fayetteville for a good driver can cost as low as $132 per month, depending on where you live.

The table below ranks the sports cars with the cheapest average car insurance rates in Fayetteville, starting with the Mazda MX-5 Miata at $132 per month and ending with the Lexus LC 500 at $215 per month.

Looking for rates for a different vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Fayetteville.

Cheapest pickup insurance rates in Fayetteville, AR

The Ford Maverick ranks at #1 for the cheapest pickup truck to insure in Fayetteville, followed by the Chevrolet Colorado, Nissan Frontier, Ford Ranger, and GMC Canyon. The 2023 model has an average cost of $1,424 per year for a full-coverage insurance policy.

Additional models that rank well are the Honda Ridgeline, Ford F150, Toyota Tacoma, and Nissan Titan, with average cost of $1,742 per year or less.

On a monthly basis, auto insurance in this segment for a safe driver starts at around $119 per month, depending on your location and insurance company. The comparison table below ranks the twenty pickups with the lowest-cost average auto insurance rates in Fayetteville, starting with the Ford Maverick at $119 per month and ending with the Nissan Titan XD at $160 per month.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Is your pickup truck not in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Arkansas.

Cheapest luxury cars to insure in Fayetteville

Ranking highest for the cheapest Fayetteville auto insurance rates in the luxury car segment are the BMW 330i, Acura TLX, Genesis G70, Cadillac CT4, and Acura Integra. Car insurance rates for these vehicles average $152 or less per month.

Also ranking well in our comparison are models like the Lexus ES 350, Cadillac CT5, BMW 228i, and Lexus ES 250, with an average cost to insure of $1,864 per year or less.

Additional vehicles that rank well include the Audi A3, Lexus RC 300, Mercedes-Benz AMG CLA45, Lexus RC 350, and Volvo S60, which average between $1,864 and $1,914 per year for insurance in Fayetteville.

Full-coverage insurance in Fayetteville for this segment for a middle-age safe driver can cost as low as $128 per month, depending on your location. The table below ranks the twenty cars with the cheapest car insurance in Fayetteville, starting with the Acura Integra at $128 per month and ending with the Volvo S60 at $160 per month.

See our guide for luxury car insurance to compare rates for all makes and models.

Looking for rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Fayetteville car insurance quotes from top-rated auto insurance companies in Arkansas.

Cheapest luxury SUV insurance rates in Fayetteville, AR

The three top-ranked luxury SUVs with the lowest-cost auto insurance rates in Fayetteville are the Acura RDX at $1,430 per year, the Lexus RX 350 at $1,534 per year, and the Cadillac XT4 at $1,546 per year.

Not the cheapest, but still very affordable, are luxury SUVs like the Cadillac XT6, Mercedes-Benz GLB 250, Lexus UX 250h, and Cadillac XT5, with average insurance cost of $1,668 per year or less.

Ranking between positions 10 and 20, models like the BMW X1, Acura MDX, Lexus NX 250, Mercedes-Benz GLC300, Lexus NX 350, and Lexus NX 450h average between $1,668 and $1,746 per year to insure in Fayetteville.

From a cost per month standpoint, car insurance rates on this segment in Fayetteville for a safe driver starts at an average of $119 per month, depending on where you live and the company you use.

The next table ranks the luxury SUVs with the cheapest average insurance rates in Fayetteville.

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Don’t see insurance rates for your luxury SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Fayetteville car insurance quotes from top-rated auto insurance companies in Arkansas.

How to find cheaper auto insurance

Resourceful drivers in Fayetteville are often looking to reduce the monthly expense for car insurance, so take a minute to review the savings tips in the list below to see if you can save a little dough on your next auto insurance policy.

• Your employer could save you money. Many insurance companies offer discounts for specific occupations like high school and elementary teachers, emergency medical technicians, architects, firefighters, accountants, engineers, and others. By qualifying for an occupational discount, you may save between $51 and $173 on your auto insurance bill, subject to policy limits.
• Bring up your credit score to save money. Having an excellent credit rating above 800 may save up to $269 per year compared to a good credit rating of 670-739. Conversely, an imperfect credit score below 579 could cost as much as $312 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Pay small claims out-of-pocket. Most auto insurance companies reduce rates a little if you do not file any claims. Auto insurance should only be used to protect you from large financial hits, not small claims that can be paid out-of-pocket.
• Shop around and save. Setting aside 5-10 minutes to get a few free car insurance quotes is the best way to save money. Rates change often and you can switch companies very easily.
• Driving citations can increase insurance cost. In order to get affordable auto insurance in Fayetteville, it’s necessary to obey traffic laws. A few minor blemishes on your driving record can potentially raise rates by at least $448 per year. Serious violations such as DWI and leaving the scene of an accident could raise rates by an additional $1,576 or more.
• Remove optional coverage on older vehicles. Dropping comprehensive and collision coverage from vehicles whose low value makes coverage cost prohibitive can cheapen the cost substantially.