Car Insurance in Springdale, AR – Cheapest to Insure + Averages (2024)

• Springdale car insurance rates average $1,872 per year for full coverage, or approximately $156 per month.
• Monthly car insurance rates for a few popular vehicles in Springdale include the Nissan Rogue at $140, Toyota Tacoma at $158, and Toyota Highlander at $142.
• For cheap car insurance in Springdale, Arkansas, small SUV models like the Honda CR-V, Toyota Corolla Cross, and Kia Soul have better auto insurance rates.
• A few models with the lowest cost auto insurance in Springdale in their respective segments include the Subaru Crosstrek at $1,382 per year, Jaguar E-Pace at $1,748 per year, Toyota GR Corolla at $1,624 per year, and Chevrolet Tahoe at $1,758 per year.

How much does Springdale car insurance cost?

The average cost of car insurance in Springdale is $1,872 per year, or about $156 per month for a policy with full coverage. It costs 0.6% less to insure the average vehicle in Springdale, Arkansas, than the U.S. average rate of $1,883.

In the state of Arkansas, the average cost of car insurance is $1,988 per year, so the average cost in Springdale is $116 less per year. The average cost of auto insurance in Springdale compared to other Arkansas locations is about $14 per year more expensive than in Fayetteville, $342 per year less than in Little Rock, and $58 per year cheaper than in Jonesboro.

The age of the rated driver is the largest factor that influences the price of auto insurance. The list below details how driver age influences cost by breaking out average car insurance rates depending on driver age.

Average cost of car insurance in Springdale by driver age

• 16-year-old rated driver – $6,663 per year or $555 per month
• 17-year-old rated driver – $6,454 per year or $538 per month
• 18-year-old rated driver – $5,784 per year or $482 per month
• 19-year-old rated driver – $5,266 per year or $439 per month
• 20-year-old rated driver – $3,764 per year or $314 per month
• 30-year-old rated driver – $1,996 per year or $166 per month
• 40-year-old rated driver – $1,872 per year or $156 per month
• 50-year-old rated driver – $1,658 per year or $138 per month
• 60-year-old rated driver – $1,554 per year or $130 per month

The chart below shows examples of average Springdale auto insurance cost broken out based on a range of driver ages, risk profiles, and policy deductibles. Rates are averaged for all 2024 model year vehicles including luxury vehicles.

Average car insurance rates in the prior chart range from $1,554 per year for a 40-year-old driver who receives an exceptional discount rate to $4,302 per year for a 30-year-old driver with too many driving violations or at-fault accidents.

When average annual cost is converted to monthly rates, the average cost of car insurance per month in Springdale ranges from $130 to $359.

Car insurance rates are different for every driver and seemingly inconsequential changes in personal situations can cause measureable price changes. The potential for large premium differences emphasizes the need for multiple auto insurance quotes when searching online for the cheapest rate.

Insurance rates for Springdale’s most popular vehicles

The car insurance rates mentioned previously take all 2024 models and come up with an average cost, which is useful for making broad comparisons such as the difference in average auto insurance cost for two different locations in Arkansas.

Average auto insurance rates are good when trying to find the answer to questions like “are Springdale car insurance rates cheaper than in Fort Smith?” or “is car insurance in Arkansas cheaper than Colorado?”.

For more comprehensive price comparisons, however, the data will be more precise if we compare rates for the specific vehicle being insured. Each individual model has a slightly different risk profile for liability and physical damage claims, and this data enables us to make more detailed insurance cost analysis.

The chart below shows average insurance rates for the more popular models you’ll find driving the streets of Springdale.

Vehicle models that are popular in Springdale tend to be compact and midsize sedans like the Nissan Sentra and Honda Accord and small or midsize SUVs like the Nissan Rogue and Jeep Grand Cherokee.

Additional popular models from other vehicle segments include luxury models like the BMW 530i and Cadillac XT5, pickup trucks like the Ram 1500 and Chevy Silverado, and sports cars like the Chevy Corvette and Porsche 911.

We will explore rates in much more detail coming up in the article, but before we get into those numbers, let’s go over some of the key concepts that we covered in the earlier charts and data.

• Car insurance is generally cheaper as you age – Auto insurance rates for a 40-year-old driver in Springdale are $1,892 per year cheaper than for a 20-year-old driver.
• Insurance rates decrease significantly between ages 20 and 30 – The average 30-year-old Springdale, AR, driver will pay $1,768 less each year than a 20-year-old driver, $1,996 compared to $3,764.
• Springdale car insurance prices are cheaper than the Arkansas state average – $1,872 (Springdale average) versus $1,988 (Arkansas average)
• Springdale, Arkansas, car insurance cost is less than the U.S. average – $1,872 (Springdale average) compared to $1,883 (U.S. average)
• Teenage females have cheaper rates than teen males – Teenage female drivers age 16 to 19 pay $816 to $442 less annually than males of the same age.
• Average car insurance cost per month ranges from $130 to $555 – That’s the average car insurance cost range for drivers from age 16 to 60 in Springdale, AR.

Which cars have cheap insurance in Springdale?

The models with the cheapest average auto insurance prices in Springdale tend to be small SUVs like the Chevrolet Trailblazer, Kia Soul, Toyota Corolla Cross, and Nissan Kicks. Average car insurance quotes for those crossover SUVs cost $1,520 or less per year, or $127 per month, for a policy with full coverage.

A few other vehicles that are in the top 20 in our overall cost comparison are the Acura RDX, Buick Envista, Buick Encore, and Ford Bronco Sport. Rates are a little bit more for those models than the cheapest crossovers and small SUVs at the top of the rankings, but they still have an average insurance cost of $1,604 or less per year, or about $134 per month in Springdale.

The next table ranks the 50 cheapest vehicles to insure in Springdale, ordered by annual cost.

A table of 50 vehicles with the cheapest insurance in Springdale is fine if you just want the lowest rates. Considering we track over 700 vehicles, that’s a lot of vehicles that get omitted from the list. So let’s rethink this and break out the cheapest models in a more sensible format.

The section below goes into the average cost of car insurance for each different vehicle segment. The average rates shown in the chart should give you a decent idea of which automotive segments have the overall best average auto insurance rates. Then the six sections that follow the chart rank the most affordable rates for individual models for each automotive segment.

Average insurance rates by automotive segment

If you’re considering buying a different vehicle, it’s useful to know which styles of vehicles have less expensive car insurance rates in Springdale.

To illustrate this, maybe you’re curious if midsize cars cost less to insure than midsize SUVs or if luxury models have more expensive auto insurance than regular vehicles.

The next chart displays average car insurance rates by segment in Springdale. In general, small and midsize SUVs, vans and minivans, and midsize pickup trucks tend to have the best average rates, with sports cars and performance luxury models having the highest average cost to insure.

Average rates by automotive segment are precise enough to make a general comparison, but auto insurance cost varies greatly within each automotive segment listed above.

For example, in the midsize luxury car segment, auto insurance rates in Springdale range from the Mercedes-Benz CLA250 at $1,926 per year for full coverage insurance up to the BMW M8 at $3,152 per year, a difference of $1,226 within that segment.

Also, in the large truck segment, the cost of insurance ranges from the Nissan Titan costing $1,750 per year to the Toyota Tundra at $2,228 per year, a difference of $478 within that segment.

In the next parts of this article, we remove some of this variability by comparing the cost of car insurance in Springdale for individual models.

Cheapest cars to insure in Springdale, AR

Taking the top spot in Springdale for the lowest-cost insurance in the car segment is the Toyota GR Corolla, with a cost of $1,624 per year. Second place is the Nissan Leaf costing $1,636 per year, the third most affordable is the Honda Civic, at an average of $1,658 per year, and ranking fourth is the Nissan Sentra, costing an average of $1,714 per year.

Additional cars that have affordable average insurance rates include the Hyundai Ioniq 6, Kia K5, Chevrolet Malibu, and Toyota Prius, with average rates of $1,814 per year or less.

Car insurance rates in this segment for a good driver can cost as low as $135 per month, depending on the company.

When vehicle size is factored in, the cheapest compact car to insure in Springdale is the Toyota GR Corolla at $1,624 per year, or $135 per month. For midsize models, the Hyundai Ioniq 6 is cheapest to insure at $1,718 per year, or $143 per month. And for full-size sedans, the Chrysler 300 has the most affordable rates at $1,776 per year, or $148 per month.

The rate comparison table below ranks the cars with the lowest-cost average auto insurance rates in Springdale.

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 your car in the list? 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 SUV insurance rates in Springdale

Ranking highest for the cheapest Springdale auto insurance rates in the non-luxury SUV segment are the Honda Passport, Subaru Crosstrek, Nissan Kicks, Chevrolet Trailblazer, and Kia Soul. Car insurance quotes for these 2024 models average $124 or less per month.

Other models that are affordable to insure include the Toyota Corolla Cross, Buick Envision, Hyundai Venue, and Mazda CX-5, with an average cost of $1,532 per year or less.

From a monthly standpoint, full-coverage car insurance in Springdale on this segment starts at around $115 per month, depending on where you live.

If rates are ranked by vehicle size, the most affordable non-luxury compact SUV to insure in Springdale is the Subaru Crosstrek at $1,382 per year. For midsize 2024 models, the Honda Passport is the cheapest model to insure at $1,492 per year. And for large SUVs, the Chevrolet Tahoe has the cheapest rates at $1,758 per year.

The table below ranks the twenty SUVs with the lowest-cost average insurance rates in Springdale, starting with the Subaru Crosstrek at $1,382 per year and ending with the Honda HR-V at $1,628 per year.

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

Need rates for a different SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Springdale car insurance quotes from the best auto insurance companies in Arkansas.

Cheapest pickup truck insurance rates

Ranking in the top five for the cheapest Springdale auto insurance rates in the pickup segment are the Ford Ranger, Nissan Titan, Ford Maverick, Nissan Frontier, and Chevrolet Colorado. Rates for these 2024 models average $1,812 or less per year, or around $151 per month.

Some other pickups that have affordable insurance rates include the Hyundai Santa Cruz, Honda Ridgeline, GMC Canyon, and Toyota Tacoma, with average insurance cost of $1,924 per year or less.

From a monthly standpoint, car insurance on this segment in Springdale can cost as low as $133 per month, depending on the company and your location. The table below ranks the twenty pickups with the lowest-cost insurance in Springdale, starting with the Chevrolet Colorado at $1,600 per year ($133 per month) and ending with the Ram Truck at $2,164 per year ($180 per month).

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see insurance rates for your pickup? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Arkansas.

Cheapest sports cars to insure in Springdale

The three top-ranked sports cars with the most affordable average auto insurance rates in Springdale are the Mazda MX-5 Miata at $1,732 per year, the Toyota GR86 at $1,970 per year, and the Ford Mustang at $2,054 per year.

Additional models that have cheaper rates include the Lexus RC F, BMW M2, Nissan Z, and Toyota GR Supra, with average rates of $2,236 per year or less.

Full-coverage car insurance in this segment for an average middle-age driver starts at around $144 per month, depending on your location. The table below ranks the twenty sports cars with the cheapest car insurance rates in Springdale, starting with the Mazda MX-5 Miata at $1,732 per year ($144 per month) and ending with the Porsche Taycan at $3,168 per year ($264 per month).

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

Cheapest luxury car insurance rates

The five cheapest luxury cars to insure in Springdale are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. Average insurance rates for for these vehicles range from $1,662 to $1,934 per year.

Additional luxury cars that rank well in our comparison include the Lexus ES 350, Genesis G70, Lexus RC 300, and Cadillac CT4, with average rates of $1,966 per year or less.

Some additional luxury cars on the list include the BMW 228i, Lexus IS 350, Lexus ES 300h, and BMW 330e, which cost between $1,966 and $2,098 to insure per year in Springdale.

Full-coverage insurance for this segment in Springdale for a safe driver will start around $139 per month, depending on where you live and the company you use.

When rates are compared by vehicle size, the cheapest small luxury car to insure in Springdale is the Acura Integra at $1,662 per year. For midsize luxury models, the Mercedes-Benz CLA250 is the cheapest model to insure at $1,926 per year. And for full-size luxury cars, the Audi A5 has the best rates at $2,214 per year.

The rate comparison table below ranks the twenty luxury cars with the most affordable average insurance rates in Springdale.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Don’t see rates for your luxury car? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Springdale car insurance quotes from top-rated companies in Arkansas.

Cheapest luxury SUV insurance rates

The Acura RDX takes the #1 ranking as the cheapest luxury SUV to insure in Springdale, followed closely by the Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. The 2024 model has an average cost of $1,564 per year to insure with full coverage.

Also ranking well are models like the Lexus UX 250h, Lexus NX 450h, Lexus NX 350h, and Mercedes-Benz GLB 250, with average insurance cost of $1,804 per year or less.

Some additional luxury SUVs that make the list include the Lexus RX 350, Mercedes-Benz AMG GLB35, Land Rover Evoque, Mercedes-Benz GLA35 AMG, and Infiniti QX60, which cost between $1,804 and $1,876 per year for insurance.

Auto insurance for this segment in Springdale for an average middle-age driver can cost as low as $130 per month, depending on where you live and the company you use.

The table below ranks the twenty luxury SUVs with the most affordable average auto insurance rates in Springdale, starting with the Acura RDX at $1,564 per year and ending with the Lexus NX 350 at $1,876 per year.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see insurance cost for your luxury 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 top auto insurance companies in Arkansas.

Tips for finding cheaper car insurance quotes

Springdale drivers are always searching for ways to reduce their monthly car insurance expenses, so study the tips in this next list and maybe you can save some money on your next policy.

• Earn policy discounts to save money. Savings may be available if the policyholders sign their policy early, drive low annual mileage, work in certain occupations, are military or federal employees, or many other policy discounts which could save the average Springdale driver as much as $318 per year on car insurance.
• Fewer accidents saves money. Causing frequent accidents will increase insurance cost, potentially as much as $904 per year for a 30-year-old driver and even $458 per year for a 60-year-old driver. So be a careful driver and save!
• Earn a discount from your employment. Just about all auto insurance companies offer policy discounts for being employed in occupations like lawyers, architects, police officers and law enforcement, emergency medical technicians, doctors, dentists, and others. If your profession qualifies you for this discount, you could save between $56 and $182 on your annual car insurance cost, depending on the policy coverages.
• Compare insurance cost before buying a car. Different vehicles can have very different insurance premiums, and insurance companies can price policies with widely varying rates. Check rates before you buy a different vehicle so you can avoid any surprises when you receive your first bill.
• Remove unneeded coverage on older cars. Removing physical damage coverage (comprehensive and collision) from vehicles whose value has dropped to the point where coverage is not cost effective will trim the cost significantly.
• Increasing deductibles makes car insurance cheaper. Raising your policy deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.