Springdale, AR
Auto and home insurance in Springdale, Arkansas
How Springdale households can compare car and home coverage, with local Census data. A quote is not a binder.
In Springdale (89,368 people), 78% of workers commute by driving alone, compared with 79% across Arkansas. Homeownership runs at 53%.
Springdale driving profile
| Measure | Springdale | Arkansas |
|---|---|---|
| Drive alone to work | 78% | 79% |
| Carpool | 13% | 9% |
| Work from home | 8% | 9% |
| Commute of 45 minutes or more | 5% | 11% |
| Commute under 15 minutes | 34% | 34% |
| Households with no vehicle | 4% | 6% |
| Households with 3 or more vehicles | 27% | 23% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Long commutes are shorter in Springdale than statewide: 5% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Fewer Springdale workers telecommute (8%) than the state average, which means more cars on the road at rush hour.
27% of Springdale households keep three or more vehicles, and 4% have none. Multi-car households can usually save by insuring every vehicle on one policy.
The Springdale homeowners picture
The median owner-occupied home in Springdale is valued at $261,800, and half of the city's homes were built before 1994. The Arkansas median value is $188,000. Your dwelling limit should match rebuild cost, which can differ from market value.
NAIC data for 2023 show Arkansas HO-3 policyholders with $250,000–$274,999 of dwelling coverage paying an average of $1,741; the all-amounts state average was $1,870.
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 Springdale
Drivers in Springdale must carry Arkansas's minimum of 25/50/25 in liability coverage (none beyond liability). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
Bundling auto and home in Springdale
A bundle can simplify life in Springdale: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
Weather and road risks around Springdale
Plan for spring hail, along with flooding on rural roads. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
County hazard detail: FEMA National Risk Index.
How Springdale compares in Arkansas
In Fayetteville, 42% own their home and 15% of households have three or more vehicles. Little Rock shows 12% working from home and a median home value of $236,400. Fort Smith: 77% drive alone, 4% commute 45+ minutes, median home $178,100. For share of 45-minute-plus commutes, Springdale is 15th of 20 Arkansas cities on this site.
Springdale quote checklist
- Commute distance and typical yearly miles
- Drivers' names and dates of birth
- Vehicle year, make, model, and VIN
- Liability limits you want
- Mortgage company for the home
- Current declarations pages for auto and home
Springdale auto and home insurance FAQ
What auto insurance is required in Springdale?
Arkansas requires liability of 25/50/25; none beyond liability.
Do Springdale drivers have long commutes?
About 5% of Springdale workers commute 45 minutes or more and 34% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Springdale?
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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Auto and home insurance in Arkansas
Last updated October 15, 2026 · How we research