Car Insurance in Springdale, Arkansas
Estimated full coverage in Springdale runs about $1,535 a year ($128/month) — ▲ +9% versus the Arkansas average, ranking 2nd most expensive of the 8 Arkansas cities we cover.
Why car insurance in Springdale costs more than the Arkansas average
Insurers price by territory, and Springdale's numbers explain most of the gap. With 89,368 residents on 49.8 square miles, the city's density (1,796 people per square mile) is 8.0 times the density where the typical Arkansas resident lives (225). The average commute is 19.3 minutes (Arkansas: 22.5), and 78% of workers drive alone. Together these put our location factor at 1.09× the state baseline for liability and collision.
| Factor | Springdale | Arkansas ref. | Why it matters |
|---|---|---|---|
| Population density | 1,796 / sq mi | 225 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 19.3 min | 22.5 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 2.0% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 77.6% | — | Share of workers commuting by car. |
| Public transit to work | 0.1% | — | Transit use lowers how much residents drive. |
| Work from home | 7.6% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 3.9% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 81.3 | 82.4 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Springdale
Rates can change from one ZIP code to the next. Across 2 Springdale ZIP codes, our full-coverage estimate ranges from $1,475 in 72762 to $1,485 in 72764. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 72764 | 58,719 | 887 | 19.8 min | 4.8% | $1,485 | −3% |
| 72762 | 46,092 | 793 | 19.6 min | 2.0% | $1,475 | −4% |
Minimum car insurance in Springdale
Springdale drivers follow Arkansas's rules: at least 25/50/25 liability coverage. Arkansas is at-fault (tort). We estimate state-minimum coverage in Springdale at $490 a year, and $710 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | 5,000 medical Policies must include personal injury protection (at least $5,000 medical plus wage-loss and death benefits) unless the named insured rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured motorist coverage is included in the policy unless the named insured signs a rejection. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage must be offered and may be rejected in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are addressed through the PIP benefits described above. | Medical bills for you and your passengers |
Risk factors that shape Springdale premiums
Accidents
Arkansas recorded 603 traffic deaths, or 1.53 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Arkansas's vehicle theft rate is 141 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Washington County as relatively high for hail, relatively moderate for inland flooding and relatively moderate for strong wind, and very low for hurricanes.
Traffic & commuting
2.0% of Springdale commuters spend an hour or more getting to work, and there are 2.01 vehicles per household. 7.6% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 94.1 | Comprehensive (car); roof claims (home) | |
| Tornado | 95.4 | Comprehensive; dwelling | |
| Hurricane | 54.4 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 90.1 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 72.7 | Comprehensive; dwelling | |
| Winter weather | 96.9 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Springdale by driver profile
A clean-record driver in their 50s pays the least in our Springdale model (about $1,410 for full coverage); an 18-year-old on their own policy pays about $4,215, and a DUI pushes a 30-something to $2,835.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,345 | $1,950 | $4,215 | $351 |
| Young adult (22) | $780 | $1,135 | $2,455 | $205 |
| Adult in their 30s | $490 | $710 | $1,535 | $128 |
| Adult in their 50s | $450 | $650 | $1,410 | $118 |
| Senior (72) | $545 | $795 | $1,715 | $143 |
| 30s, one at-fault accident | $710 | $1,025 | $2,225 | $185 |
| 30s, DUI on record | $905 | $1,310 | $2,835 | $236 |
Minimum vs. standard vs. full coverage in Springdale
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $490 | $41 | $400–$575 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $710 | $59 | $580–$835 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,535 | $128 | $1,255–$1,810 |
Estimate your premium in Springdale
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Cheap car insurance in Springdale: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Springdale's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $120 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $110 | You're among the 7.6% of Springdale workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $450 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $825 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $335 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Springdale
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 21 offices listed below.
- Check complaint records with the Arkansas Insurance Department (complaint information) before you buy.
- Mention your ZIP code accurately — within Springdale, our estimates differ by up to $10 a year between neighborhoods.
Car insurance agents near Springdale, AR
We found 21 insurance offices within about 5 miles of central Springdale, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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David Lyle Compton - Farmers Insurance
124 N Thompson St, Springdale, AR 72764 -
Gregory L Collier - Farmers Insurance
704 W Emma Ave, Springdale, AR 72764 -
Clint Lee Atwood - Farmers Insurance
3277 W Sunset Ave, Springdale, AR 72762 -
Stephanie Riggins Agency Llc
3277 W Sunset Ave, Ste G, Springdale, AR 72762 -
James Henry Atkinson - Farmers Insurance
1006 S Pleasant St, Springdale, AR 72764 -
Phil Ford - State Farm
1153 W Sunset, Springdale, AR 72764 -
Shelter Insurance
111 Holcomb Street, #A, Springdale, AR 72764 -
John William McCain - Farmers Insurance
1402 Arapaho Ave, Springdale, AR 72764 -
Dennis Habib - Allstate
3291 S Thompson St, Ste A105, Fayetteville, AR 72764 -
Juan Barcenas - State Farm
1301 E Robinson Avenue, Suite C9, Springdale, AR 72764 -
Demond Howell - Farmers Insurance
4700 S Thompson St, Springdale, AR 72764 -
Justin Ray - State Farm
1345 E Henri De Tonti Blvd, Suite B, Springdale, AR 72762 -
Nathan Andrew Mcintyre - Farmers Insurance
155 E Fantinel Dr, Springdale, AR 72762 -
State Farm
200 South Bloomington Street, Lowell, AR 72745 -
Jeff Cook - Allstate
108 Crossover Ave, Ste E1, Lowell, AR 72745 -
Patrick William Burton - Farmers Insurance
6417 S Hendrix Heights Dr, Fayetteville, AR 72704 -
Farmers Insurance - Ivan Hristoskov
225 North Bloomington Street, #F, Lowell, AR 72745 -
Gene Long
AR -
State Farm
AR -
Davis & Garratt Insurance Group
AR -
Brad Scott - State Farm
2020 E Joyce Blvd, Suite 3, Fayetteville, AR 72703
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Springdale
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,140 | −26% |
| Subaru Outback | Wagon | $1,150 | −25% |
| Tesla Model 3 | Midsize car | $1,625 | +6% |
| Subaru Forester | Small SUV | $1,125 | −27% |
| Honda Civic | Compact car | $1,730 | +13% |
| Toyota Corolla | Compact car | $1,610 | +5% |
| Jeep Wrangler | Midsize SUV | $1,215 | −21% |
| Mazda CX-5 | Small SUV | $1,280 | −17% |
| MINI Cooper | Subcompact car | $1,150 | −25% |
| Tesla Model Y | Midsize SUV | $1,460 | −5% |
Car insurance in nearby Arkansas cities
- Fayetteville $1,525/yr · 8 mi
- Rogers $1,525/yr · 9 mi
- Fort Smith $1,470/yr · 59 mi
- Conway $1,565/yr · 122 mi
- Little Rock $1,525/yr · 143 mi
- North Little Rock $1,515/yr · 145 mi
- Jonesboro $1,465/yr · 196 mi
All Arkansas cities and state rules · Homeowners insurance in Springdale
Frequently asked questions
How much is car insurance in Springdale, AR?
We estimate full coverage in Springdale at about $1,535 a year ($128 a month) for a driver in their 30s with a clean record, and about $490 for Arkansas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Springdale more expensive than the Arkansas average?
Our Springdale estimate is 9% higher than the statewide figure. The model reflects a population density of 1,796 people per square mile (the typical Arkansas resident lives at about 225) and an average commute of 19.3 minutes versus 22.5 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Springdale?
Drivers in Springdale follow Arkansas law: at least 25/50/25 liability coverage.
Which ZIP code in Springdale has the cheapest car insurance?
Among Springdale's 2 ZIP codes, 72762 has the lowest estimate (about $1,475 a year for full coverage) and 72764 the highest (about $1,485), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Springdale?
An 18-year-old with their own full-coverage policy would pay around $4,215 a year in Springdale by our estimate ($1,345 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Springdale?
Yes. FEMA's National Risk Index rates Washington County for hail (relatively high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Springdale?
We list 21 insurance offices in and around Springdale, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Arkansas DFA Office of Driver Services: Safety Responsibility (25/50/25 proof)
- Arkansas Code 23-89-202 (required first-party PIP coverage)
- Arkansas Code 23-89-403 (uninsured motorist coverage)
- Arkansas Insurance Department: Automobile Insurance brochure
- Arkansas Insurance Department: File A Complaint
- Arkansas Code 23-89-209 (underinsured motorist coverage)
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Springdale and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places