Car Insurance in Fayetteville, AR

Explore the Athens of the Ozarks, but don't forget car insurance in Fayetteville, AR.
Compare, shop and customize quotes from top-rated insurance carriers.

Auto Insurance for NW Arkansas Residents

Northwest Arkansas is known for its winemaking and serene Ozark Mountains. With about 95,230 residents. Fayetteville is a thriving university town with a diverse downtown area. There is something for everyone, including charming boutiques, historic neighborhoods, live music, sporting events and thousands of acres of natural parks. While Fayetteville has a public transport system, including the Razorback Transit for trips to and from the campus, it is also a city designed to be driven. The business and entertainment districts, along with Wilson Park, are filled with parking and metered spaces.

If you want to get out of Fayetteville and enjoy the scenic drives in surrounding areas. Take East Mission to U.S. Highway 412 to visit Osage or drive along the Pig Trail Scenic Byway down steep inclines to Ozark. When traveling through the Ozarks, however, you'll need adequate protection from car insurance in Fayetteville, AR.

The Stormy Side of Fayetteville, AR

Fayetteville, AR, is a vulnerable city in the middle of Tornado Alley. Arkansas averages about 45 tornadoes each year, with Fayetteville experiencing about two. The summer months bring thunderstorms and the potential for massive tornadoes. While a massive tornado causing extensive damage has not occurred since the 1950s, there is still potential for a devastating storm. For drivers, auto insurance that protects against storm and hail damage may be necessary.

Required Coverages for Car Insurance in Fayetteville, AR

In Arkansas, all vehicle owners must carry liability insurance. Liability coverage pays for claims when you are found at fault for an accident. By law, you must carry $25,000 per person for bodily injury, $50,000 per accident and $25,000 for damage to the other driver's property. With VIU by HUB, you can compare the cost of minimal coverage between providers.

While not required, you must receive an opportunity to purchase uninsured motorist coverage. This is an additional protection in case the other driver lacks coverage for injuries you sustain.

Drivers who do not abide by the insurance laws can face monetary fines or jail time. Third offenses and subsequent offenses can result in imprisonment for one year.

Additional Coverages for Fayetteville Drivers

Other common coverages to obtain include comprehensive and collision coverage.

Comprehensive coverage can cover damages caused by vandalism, hail, fire or theft. When your vehicle suffers damages because of a covered peril, your coverage may help you to repair the car or to replace it up to its cash value. While comprehensive coverage is typically an option, some car lenders require you to carry it before paying off your vehicle.

Collision coverage is for any accident with other vehicles or with objects. Following an accident, many people cannot afford to replace or repair their car. Collision helps cover damages to your vehicle when the damages are caused by an accident.

Auto Insurance Rate Factors

The average cost of car insurance in Fayetteville, AR, is $154 per month for minimal coverage and $288 per month for comprehrensive coverage. However, your rate will depend on various personal factors, including:

  • Age, number of years driving
  • Driving record and yearly mileage
  • Model and make of vehicle

In Arkansas, there are discounts for college graduates and insured drivers over 55 who complete a defensive driving course. In addition to those discounts, car insurance providers may also have individual discounts.

To save money, you can use VIU by HUB to compare quotes and evaluate your options. When shopping for car insurance in Fayetteville, AR, you can choose between minimum coverage and comprehensive coverage, depending on your individual needs.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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