Car Insurance in Conway, AR
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Conway, AR, is a suburb of Little Rock with just over 64,000 residents, as well as the seat of Faulkner County. Many Conway residents work at one of the city's three colleges or several major tech firms, including Insight Enterprises and Acxiom. Out-of-town travelers and commuters can easily access I-40 for the 30-mile drive to Little Rock. Conway connects locals with the arts through its symphony orchestra as well as Arkansas's only professional Shakespeare theater.
Driving Your Car in Conway
Because of the wealth of job opportunities in Conway, residents have a shorter-than-average commute of just 20.2 minutes. In comparison, the national average commute is 26.4 minutes according to Sperling's Best Places. More than 82% of residents drive their own vehicles to work, 9% carpool with others and 4% work from home. Fewer than 1% of Conway commuters use public transit to get to work or school, and the city has no fixed public transit services (by request only).
Concerns for Conway Motorists
Arkansas drivers should be aware of the risk of serious auto accidents. The state Department of Health reported 638 traffic fatalities in 2020 alone. Motorists who drive under the influence is also a prevalent issue. Of these auto accident deaths, 26% involved the use of drugs or alcohol.
Conway residents may also have concerns about the state's higher-than-average property crime rate. It's about 2.74 incidents per year per 100 residents compared to a national rate of about 2.11. Investing in comprehensive car insurance in Conway, AR, provides protection from non-collision incidents such as theft and vandalism. You can save on full coverage by comparing rates with VIU by HUB.
Average Cost of Car Insurance in Conway, AR
Bankrate reports that Conway residents pay an average premium of $1,833 per year or $153 per month for full-coverage auto insurance. If you live here you'll save about 4% compared to the average state premium of $1,907. You'll also pay less than the U.S. average of $2,014 per year for full coverage.
Arkansas law allows auto insurance companies to adjust your rates based on a variety of factors including age, gender and credit score. Your exact geographic location, the type of car you drive and your claims history also influence your premiums. Every provider has its own algorithm to determine coverage rates. With VIU by HUB, you can shop around to get personalized quotes and find the best prices for your specific situation.
Required Arkansas Auto Insurance
Drivers in Arkansas have to carry at least $25,000 per person and $50,000 per accident for bodily injury liability. The state also requires $25,000 per accident for property damage liability. These coverage types take effect if you have an at-fault accident. Failure to carry sufficient insurance can result in fines and even loss of license.
You can also purchase additional coverage to pay your costs after a collision, regardless of fault. Personal injury protection covers medical expenses for you and passengers in your vehicle. Underinsured and uninsured motorist policies cover the expenses of an accident with an uninsured driver. Collision coverage pays for repair of your vehicle after an accident, while comprehensive car insurance in Conway, AR, covers non-collision events like theft.
Car insurance in Conway, AR, is easy and affordable when you compare personalized quotes with VIU by HUB. Save on your policy in minutes.
This information is intended for general informational purposes only and is not intended to constitute legal advice.