Insurance Costs in Fayetteville, AR
Auto insurance in Fayetteville averages $1,615 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Fayetteville, AR: What You Need to Know
Fayetteville residents pay an average of $1,615 per year for full coverage auto insurance, which is 8.0% below the Arkansas state average and 3.5% below the national average.
With a population of 93,949, Fayetteville is a growing city in Arkansas. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,615 | $135 |
| Standard Coverage (50/100/50) | $1,324 | $110 |
| State Minimum (25/50/25) | $678 | $56 |
Homeowners Insurance in Fayetteville, AR
The average cost of homeowners insurance in Fayetteville is $2,003 per year ($167/month), which is 10.1% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Fayetteville, AR
Renters insurance in Fayetteville averages $218 per year ($18/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Arkansas Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Little Rock | $2,018/yr | $2,458/yr |
| Fort Smith | $1,790/yr | $2,048/yr |
How to Save on Insurance in Fayetteville
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Fayetteville can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Fayetteville, AR?
The average cost of car insurance in Fayetteville, AR is $1,615 per year for full coverage, or about $135 per month. Minimum coverage costs around $678 per year.
Is car insurance expensive in Fayetteville?
Car insurance in Fayetteville is about average for the U.S.
How much is home insurance in Fayetteville?
Homeowners insurance in Fayetteville costs an average of $2,003 per year. Your actual cost depends on your home's value, age, construction type, and specific location.