Fayetteville, AR
Insuring your car and home in Fayetteville, AR
Commute, vehicle, and housing data for Fayetteville, plus what it means for your auto and homeowners quotes. A quote is not a binder.
In Fayetteville (99,000 people), 72% of workers commute by driving alone, compared with 79% across Arkansas. Homeownership runs at 42%.
Cars, commutes, and households in Fayetteville
| Measure | Fayetteville | Arkansas |
|---|---|---|
| Drive alone to work | 72% | 79% |
| Carpool | 8% | 9% |
| Work from home | 15% | 9% |
| Commute of 45 minutes or more | 5% | 11% |
| Commute under 15 minutes | 39% | 34% |
| Households with no vehicle | 5% | 6% |
| Households with 3 or more vehicles | 15% | 23% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
About 5% of Fayetteville 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.
Remote work is common here: 15% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
Vehicle counts vary: 15% of households in Fayetteville have at least three vehicles (Arkansas: 23%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Home values and housing age in Fayetteville
The median owner-occupied home in Fayetteville is valued at $349,600, and half of the city's homes were built before 1997. The Arkansas median value is $188,000. Your dwelling limit should match rebuild cost, which can differ from market value.
For context, the NAIC's 2023 average HO-3 premium in Arkansas was $1,995 for homes insured in the $325,000–$349,999 range, and $1,870 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Fayetteville drivers
Arkansas requires liability limits of at least 25/50/25. Other required coverage: none beyond liability. Those are floors; with Fayetteville's median home value at $349,600, most homeowners choose much higher liability limits to protect their equity.
Bundling auto and home in Fayetteville
A bundle can simplify life in Fayetteville: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
Local risks for Fayetteville cars and homes
Insurers in Arkansas price for tornadoes and straight-line winds and spring hail. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
County hazard detail: FEMA National Risk Index.
How Fayetteville compares in Arkansas
In Springdale, 53% own their home and 27% of households have three or more vehicles. Little Rock: 76% drive alone, 5% commute 45+ minutes, median home $236,400. In Fort Smith, 53% own their home and 18% of households have three or more vehicles. Fayetteville ranks 12th for long commutes among the 20 Arkansas cities we profile.
Fayetteville quote checklist
- Accidents, tickets, and claims from the last five years
- Drivers' names and dates of birth
- Liability limits you want
- When the roof was replaced
- Vehicle year, make, model, and VIN
- Your Fayetteville address, square footage, and year built
Fayetteville auto and home insurance FAQ
What auto insurance is required in Fayetteville?
Arkansas requires liability of 25/50/25; none beyond liability.
How long are commutes in Fayetteville?
About 5% of Fayetteville workers commute 45 minutes or more and 39% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Fayetteville?
Prices depend on the home and coverage. The NAIC's 2023 Arkansas HO-3 average was $1,870; see the Arkansas page.
Other city guides near Fayetteville
Auto and home insurance in Arkansas
Last updated October 15, 2026 · How we research