Car Insurance in Springdale, AR

Car insurance in Springdale, AR, protects you while you're on the road in Washington and Benton counties.
Compare, shop and customize quotes from top-rated insurance carriers.

Drive Confidently with Car Insurance in Springdale

In 2022, there were 2,658 crashes in Springdale. Whether your drive takes you over Spring Creek, shopping in the city's heart or to school and back, you must protect your car. You can find auto insurance using the tools at VIU by HUB. The site compares companies and products and helps you select one that fits your lifestyle.

Commuting in Springdale

Ozark Regional Transit and Northwest Arkansas Regional Transportation Authority provide bus services throughout Springdale. However, you're not alone if you rely on a personal vehicle to get you to work. Almost 79% of Springdale residents drive their cars to commute to their jobs. Fortunately, a good car insurance policy can help you get back on the road to work after a covered peril.

Heavy traffic can increase your chances of getting in an accident. Traffic can get busy in Springdale, especially along Highway 412 and Highway 71 during rush hour. Knowing you have car insurance in Springdale, AR, to protect your ride can give you peace of mind as you commute.

Weather Conditions in Washington and Benton Counties

The weather in Northwest Arkansas can sometimes present driving hazards, so it's good to be aware of (and prepared for) the risks.


While rain isn't always a problem for drivers, it can make it hard to see other cars and traffic signals. Rain can also cause slippery roads. Springdale gets an average of 47 inches of rain annually, higher than the national average of 38 inches.

Snow and Ice

Springdale averages only 7 inches of snow yearly. It isn't much, but when it falls, drivers may have little experience with snowy conditions, making accidents more likely. It may also take road crews longer to treat the roads than in cities farther north. Snow and ice can make roads quite slippery, especially when melted snow refreezes and creates ice patches.

Springdale Auto Insurance Coverage

Liability coverage is mandatory in Arkansas. The policy minimums are:

  • $25,000 bodily injury coverage per person
  • $50,000 bodily injury coverage for two or more people per accident
  • $25,000 property damage coverage

Many drivers choose to purchase more than the minimum coverage. Insurers will offer you uninsured/underinsured motorist coverage and Personal Injury Protection. You can also select other coverage types.

Uninsured/Underinsured Motorist Coverage

This coverage helps with expenses if the at-fault driver doesn't have adequate insurance.

Personal Injury Protection

This type of car insurance in Springdale, AR, pays for medical expenses, wage loss and death benefits regardless of fault.

Comprehensive Coverage

Sometimes accidents happen when you're not driving your car. Comprehensive insurance covers damage from theft, fire, vandalism, storms or hitting an animal.

Collision Insurance

This coverage type helps pay for repairing or replacing your vehicle if you collide with another car or a stationary object.

Average Insurance Cost in Springdale

Springdale residents pay an average of $115 monthly for car insurance. Many factors influence premiums. Your age plays a significant role. Generally, younger drivers with less experience get in more accidents and have higher premiums.

Other factors that influence your rates include:

  • Vehicle age
  • Marital status
  • Gender
  • City and state

Your credit history can also influence your credit score.

Shop With VIU by HUB for Springdale Auto Insurance

VIU by HUB can help you find car insurance in Springdale, AR, that fits your budget and requirements. The online tools show quotes from multiple insurers, giving you an overall view of your options. You can confidently drive, knowing your policy is right for your lifestyle.

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


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