Conway, AR
Auto and home insurance in Conway, Arkansas
Commute, vehicle, and housing data for Conway, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Census data show Conway drivers commuting alone at a rate of 80% and homeowners making up 45% of households. Here is what that means for auto and home coverage in a city of about 70,711.
Cars, commutes, and households in Conway
| Measure | Conway | Arkansas |
|---|---|---|
| Drive alone to work | 80% | 79% |
| Carpool | 7% | 9% |
| Work from home | 10% | 9% |
| Commute of 45 minutes or more | 17% | 11% |
| Commute under 15 minutes | 43% | 34% |
| Households with no vehicle | 6% | 6% |
| Households with 3 or more vehicles | 18% | 23% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
About 17% of Conway commuters travel 45 minutes or more each way (Arkansas: 11%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
With 10% of Conway workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
Vehicle counts vary: 18% of households in Conway have at least three vehicles (Arkansas: 23%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
The Conway homeowners picture
Homes in Conway carry a median value of $252,100 and a median construction year of 1998. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
Benchmark: $1,741 was the average 2023 Arkansas HO-3 premium at the $250,000–$274,999 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Conway
The state minimum is 25/50/25. Additional requirement: none beyond liability. See our state minimums guide for how these compare across our ten states.
Should Conway homeowners bundle?
With 45% of households owning their home, bundling is an option for most Conway families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Local risks for Conway cars and homes
Plan for tornadoes and straight-line winds, along with spring hail. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
County hazard detail: FEMA National Risk Index.
Neighboring cities and Conway
Little Rock: 76% drive alone, 5% commute 45+ minutes, median home $236,400. In Fayetteville, 42% own their home and 15% of households have three or more vehicles. In Fort Smith, 53% own their home and 18% of households have three or more vehicles. Conway ranks 2nd for long commutes among the 20 Arkansas cities we profile.
Conway quote checklist
- Mortgage company for the home
- Accidents, tickets, and claims from the last five years
- When the roof was replaced
- Vehicle year, make, model, and VIN
- Your existing policies and renewal dates
- Annual mileage for each car
Conway auto and home insurance FAQ
What auto insurance is required in Conway?
Arkansas requires liability of 25/50/25; none beyond liability.
Do Conway drivers have long commutes?
About 17% of Conway workers commute 45 minutes or more and 43% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Conway?
There is no single price. As context, Arkansas HO-3 policies averaged $1,870 in 2023 (NAIC), and averages rise with dwelling coverage.
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Last updated October 15, 2026 · How we research