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We shop, and you save on your car insurance in Fayetteville, AR!

If you own a car in Fayetteville, Arkansas, G&G can help you save time, aggravation, and money on your insurance. We proactively shop the nation's top insurance carriers to find you the best coverage at the best price based on your specific needs and budget.

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We save our clients $497 each year on average!

Driving in Fayetteville, AR

Fayetteville is surrounded by scenic views and outdoor beauty. When driving around the city, you can enjoy breathtaking views of the Ozarks. The scenery changes with every season. During spring and summer, you will notice an array of green leaves. The green leaves will then have vibrant colors of orange and yellow during fall in October and November. This is the reason why people usually visit Fayetteville more than once per year.

What are the minimum requirements for car insurance in Fayetteville, AR?

Currently, it is required of all drivers in Fayetteville on the road to have insurance in order to drive. An auto insurance policy with 25/50/25 liability coverage is the minimum requirement in Fayetteville, Arkansas.  Simply put, having 25/50/25 coverage means you are protected up to:

  • $25,000 in medical bills
  • $50,000 for all injured parties 
  • $25,000 in property damages 


Although this is the bare minimum required to be on the road, we highly recommend several other insurance options while living in Fayetteville, Arkansas.

What does car insurance usually cover?

Liability Coverage

Your liability coverage is there to protect you in the event of an accident, due to your negligence. It covers any repair fees, medical costs or legal fees for the other party involved in the wreck. While liability coverage does not cover your own personal damage expenses, there are coverage options available to include that additional protection.

For example, say you have a 50/100/50 liability coverage. What this means is in the event of an accident, your car insurance provider will pay up to $50,000 in medical bills, up to $100,000 for all parties injured and $50,000 in property damages.

Collision coverage

Collision coverage is there for you to help pay for the cost of repairing or replacing your vehicle after an accident.  Whether you hit a tree, guardrail, or another vehicle, your comprehensive coverage should protect you up to your limit amount minus the deductible.

For example, let’s say you are in an accident, the overall cost to fix your vehicle totaled $5,000 and you have a $1,000 deductible. Your provider would expect you to pay $1,000 and the remaining $4,000 would be covered by them. Essentially, you are expected to pay a small portion of the expenses when in an accident and that small portion (your deductible) can vary. The larger the deductible, the less your monthly car insurance payment will be, and vice versa. 

Comprehensive coverage

Think of comprehensive as your “what if” coverage. What if a tree falls on my parked car? You’re covered. What if a deer runs out in front of me? You’re covered. This is commonly known as other than collision coverage. This will help you when life throws you a curveball.

What is the average cost of car insurance in Fayetteville, AR?

The cost of car insurance also varies depending on which city you live in Arkansas. Here is a table of the average annual auto insurance rates in different cities in Arkansas from Bankrate.com


Arkansas State

Average Annual Car Insurance Rate









Fort Smith






North Little Rock


Little Rock



What happens if I drive in Fayetteville without car insurance?

First Offense — If you can't present your insurance ID cards, and it's your first time for such an offense, you could get a fine ranging from $50 to $250. You even run the risk of losing your license plate for ten days after that. If you produce the papers within ten days, you'll be pardoned.

Second Offense — The payable fine, in this case, will range from $250 to $500. The suspension of the license plate will be the same as well.

Third and Subsequent Offenses — By this time, you're actually in big-time trouble. The fine imposed will be a significant amount ranging between $500 to $1,000 or even more. The worst bit is that there's an added risk of imprisonment for a whole year.

How can you save money on car insurance in Fayetteville, AR?

Bundle up

Buying insurance for your car and your home can lead to big savings, and you don’t have to own a house to see the benefits. On average, bundling these two insurance coverages together saves you 8% on your car insurance, whether you rent, own, or have a condo. Homeowners see the biggest benefit (about 10% off their car insurance), but condo owners (8%) and renters (5%) get in on the action, too.

Pay up front

If you can pay for your entire term of coverage up front, it will pay off down the line. Payment in full, rather than installments, can save you 12%. Think of it as having each monthly payment be $9 less. Doing business digitally is a bonus, too.

Compare quotes and shop often

Getting car insurance quotes from different car insurance companies may be time consuming and requires effort from your end. But through comparison, you will be able to find the best rates with best coverage. Good thing, there are independent insurance companies like G&G to help you.

What Our Customers Say

Mica Schuler
2 months ago
I recently purchased a new home and needed to secure a home insurance policy. I reached out to G&G and was thoroughly impressed with the...
Jody Haley
4 months ago
Diego at G&G was the best! This was my first time shopping for homeowners insurance and he took the time to explain everything to me....
Macie Hendrix
2 months ago
My experience at G&G Insurance was amazing — all thanks to Phillip!!!! It was my first time buying renters insurance, and it was so easy!...

How to get the best and cheapest auto insurance in Fayetteville, AR?

With G&G Independent Insurance, you could close your eyes (just not while driving) and rely on us. G&G has proven, best-in-class service and provides the best rates for customers shopping for car insurance in Fayetteville. 

Are you one of those people who are irked by the very idea of shopping for your insurance? At G&G, we understand. That is the reason why our advanced in-house software program will assist you in finding the best auto insurance in Fayetteville. Avoid the hassles of overpriced insurance policies and count on G&G to compare among 50+ insurance companies to present you with the one best suited to your needs.

If you're looking for cheap car insurance in Fayetteville, G&G has got you absolutely covered.

Call us now to get a quote!