Best Little Rock, AR Car Insurance in 2024
Car insurance in Little Rock, AR averages $392 a month. Little Rock, Arkansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Little Rock car insurance rates, compare quotes from the top car insurance companies in Little Rock, AR.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Little Rock, AR are $4,703/year
- The cheapest car insurance company in Little Rock is USAA
- Average car insurance rates in Little Rock, AR after a DUI are $5,665/year
If you need to buy Little Rock, Arkansas car insurance, the options can be confusing. Everything you need to know about car insurance in Little Rock, AR is right here.
You’ll find Little Rock car insurance rates, the cheapest Little Rock, AR car insurance companies, and information on Arkansas car insurance laws. You can also compare Little Rock, Arkansas car insurance rates to Fayetteville car insurance rates, Conway car insurance rates, and Rogers car insurance rates.
Ready to find affordable Little Rock, AR car insurance today? Enter your ZIP code for fast, free Little Rock car insurance quotes.
Cheapest Little Rock, AR Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Little Rock, AR car insurance rates? Every Little Rock, Arkansas car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,290 | $3,290 | $2,951 | $3,156 | $12,644 | $15,241 | $3,602 | $3,896 |
| Farmers | $2,502 | $2,491 | $2,226 | $2,352 | $11,038 | $11,470 | $2,860 | $2,990 |
| Geico | $2,578 | $2,536 | $2,367 | $2,301 | $7,209 | $7,180 | $2,566 | $2,603 |
| Liberty Mutual | $2,594 | $2,778 | $2,506 | $2,802 | $9,597 | $10,573 | $2,806 | $2,923 |
| Nationwide | $3,145 | $3,196 | $2,821 | $2,973 | $7,930 | $10,081 | $3,635 | $3,915 |
| Progressive | $2,950 | $2,765 | $2,434 | $2,553 | $13,102 | $14,739 | $3,514 | $3,795 |
| State Farm | $2,096 | $2,096 | $1,904 | $1,904 | $6,477 | $8,115 | $2,372 | $2,734 |
| Travelers | $2,499 | $2,539 | $2,508 | $2,510 | $15,439 | $24,962 | $2,695 | $3,038 |
| USAA | $1,449 | $1,454 | $1,354 | $1,349 | $4,785 | $4,979 | $1,867 | $2,000 |
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Minimum Car Insurance in Little Rock, AR
Every driver must carry the minimum car insurance required by the state in Little Rock, AR. Take a look at the Arkansas car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Little Rock, AR Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Little Rock, AR. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Little Rock from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,549 | $5,792 | $4,685 |
| Farmers | $5,368 | $4,535 | $4,320 |
| Geico | $4,390 | $3,616 | $2,996 |
| Liberty Mutual | $6,597 | $3,995 | $3,125 |
| Nationwide | $5,573 | $4,482 | $4,081 |
| Progressive | $6,451 | $5,556 | $5,188 |
| State Farm | $5,023 | $3,018 | $2,346 |
| Travelers | $8,035 | $6,735 | $6,302 |
| USAA | $3,171 | $2,180 | $1,863 |
Cheapest Little Rock, AR Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Little Rock, AR to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,903 | $6,234 | $6,978 | $5,920 |
| Farmers | $4,010 | $5,143 | $5,034 | $4,778 |
| Geico | $2,516 | $3,823 | $5,623 | $2,708 |
| Liberty Mutual | $3,099 | $5,072 | $5,939 | $4,180 |
| Nationwide | $3,660 | $4,738 | $6,419 | $4,031 |
| Progressive | $4,929 | $6,905 | $5,191 | $5,901 |
| State Farm | $3,151 | $3,773 | $3,462 | $3,462 |
| Travelers | $5,874 | $6,068 | $8,946 | $7,207 |
| USAA | $1,837 | $2,350 | $3,390 | $2,041 |
Cheapest Little Rock, AR Car Insurance for Teen Drivers
Teen car insurance in Little Rock, AR can be expensive. Take a look at rates from the top car insurance companies in Little Rock for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,644 | $15,241 |
| Farmers | $11,038 | $11,470 |
| Geico | $7,209 | $7,180 |
| Liberty Mutual | $9,597 | $10,573 |
| Nationwide | $7,930 | $10,081 |
| Progressive | $13,102 | $14,739 |
| State Farm | $6,477 | $8,115 |
| Travelers | $15,439 | $24,962 |
| USAA | $4,785 | $4,979 |
Cheapest Little Rock, AR Car Insurance for Seniors
Take a look at Little Rock, AR rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,951 | $3,156 |
| Farmers | $2,226 | $2,352 |
| Geico | $2,367 | $2,301 |
| Liberty Mutual | $2,506 | $2,802 |
| Nationwide | $2,821 | $2,973 |
| Progressive | $2,434 | $2,553 |
| State Farm | $1,904 | $1,904 |
| Travelers | $2,508 | $2,510 |
| USAA | $1,354 | $1,349 |
Cheapest Little Rock, AR Car Insurance Rates After a DUI
A DUI in Little Rock, AR increases car insurance rates. Compare Little Rock, Arkansas car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,978 |
| Farmers | $5,034 |
| Geico | $5,623 |
| Liberty Mutual | $5,939 |
| Nationwide | $6,419 |
| Progressive | $5,191 |
| State Farm | $3,462 |
| Travelers | $8,946 |
| USAA | $3,390 |
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Cheapest Little Rock, AR Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Little Rock, AR by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,009 | $6,009 |
| Farmers | $4,741 | $4,741 |
| Geico | $3,634 | $3,701 |
| Liberty Mutual | $4,572 | $4,572 |
| Nationwide | $4,712 | $4,712 |
| Progressive | $5,732 | $5,732 |
| State Farm | $3,377 | $3,548 |
| Travelers | $7,024 | $7,024 |
| USAA | $2,337 | $2,472 |
Cheapest Little Rock, AR Car Insurance Rates by ZIP Code
Little Rock car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Little Rock, AR.
| ZIP Code | Average Annual Rates |
|---|---|
| 72103 | $4,580 |
| 72201 | $5,043 |
| 72202 | $5,097 |
| 72204 | $5,047 |
| 72205 | $4,886 |
| 72206 | $4,937 |
| 72207 | $4,649 |
| 72209 | $4,953 |
| 72210 | $4,758 |
| 72211 | $4,710 |
| 72212 | $4,645 |
| 72223 | $4,660 |
| 72227 | $4,810 |
The Best Cheap Car Insurance Companies in Little Rock, AR
Take a look at a side-by-side comparison of the top car insurance companies in Little Rock, AR to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,009 |
| Farmers | $4,741 |
| Geico | $3,667 |
| Liberty Mutual | $4,572 |
| Nationwide | $4,712 |
| Progressive | $5,732 |
| State Farm | $3,462 |
| Travelers | $7,024 |
| USAA | $2,405 |
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Category Winners: Cheapest Car Insurance in Little Rock, Arkansas
Find the cheapest car insurance companies in Little Rock, AR for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Cheapest Little Rock, AR Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Little Rock car insurance rates. Find the cheapest Little Rock, AR car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,816 | $6,006 | $6,205 |
| Farmers | $4,465 | $4,681 | $5,077 |
| Geico | $3,494 | $3,666 | $3,842 |
| Liberty Mutual | $4,399 | $4,537 | $4,781 |
| Nationwide | $4,722 | $4,611 | $4,803 |
| Progressive | $5,122 | $5,598 | $6,475 |
| State Farm | $3,268 | $3,461 | $3,657 |
| Travelers | $6,613 | $7,040 | $7,418 |
| USAA | $2,290 | $2,395 | $2,529 |
What affects car insurance rates in Little Rock, Arkansas?
What are the factors that affect car insurance rates in Little Rock, AR? There are several reasons why Little Rock car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Little Rock, Arkansas.
Commute Time in Little Rock
The more time you spend in your car the higher the risk of an accident. The average commute length in Little Rock, AR is 18.6 minutes according to City-Data.
Traffic in Little Rock
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Little Rock, AR traffic data from INRIX ranks Little Rock as the 624th-most congested in the world.
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Compare Car Insurance Quotes in Little Rock, AR
Ready to find affordable Little Rock, Arkansas car insurance today? Enter your ZIP code for fast, free Little Rock, AR car insurance quotes.
Frequently Asked Questions
How do car insurance rates in Little Rock, AR compare to rates in other cities?
Car insurance rates in Little Rock, AR can vary compared to rates in other cities due to factors such as local demographics, traffic conditions, crime rates, and insurance regulations specific to the state of Arkansas. It’s important to compare rates within the same city to get an accurate understanding of the local market.
What factors influence car insurance rates in Little Rock, AR?
Several factors influence car insurance rates in Little Rock, AR, including the driver’s age, driving record, credit history, the type of vehicle being insured, the coverage options selected, the deductible chosen, and the specific rating factors used by insurance companies in the area.
Are there any specific insurance companies known for offering competitive rates in Little Rock, AR?
Specific insurance companies known for offering competitive rates in Little Rock, AR can vary based on individual circumstances. It’s advisable to consider well-established insurance providers that operate in the area and have a good reputation for customer service and competitive pricing. Examples of such companies may include GEICO, Progressive, State Farm, Allstate, and Farmers Insurance.
How can I find the best car insurance rates in Little Rock, AR?
To find the best car insurance rates in Little Rock, AR, it’s recommended to shop around and obtain quotes from multiple insurance providers. Comparing rates, coverage options, and customer reviews can help you identify insurance companies that offer competitive rates and good customer service in the area.
Can I lower my car insurance rates in Little Rock, AR?
Yes, there are several ways to potentially lower car insurance rates in Little Rock, AR. Some common strategies include maintaining a clean driving record, bundling insurance policies with the same provider, increasing deductibles, installing safety features or anti-theft devices, and inquiring about available discounts such as safe driver discounts, multi-policy discounts, or loyalty discounts.
How does the location within Little Rock, AR affect car insurance rates?
The location within Little Rock, AR can impact car insurance rates due to factors such as crime rates, population density, traffic patterns, and the prevalence of accidents in specific areas. Typically, densely populated areas or neighborhoods with higher crime rates may have slightly higher insurance rates compared to areas with lower risk factors.
Should I consider the insurance cost before moving to Little Rock, AR?
Yes, considering the insurance cost is an important factor when moving to Little Rock, AR or any new location. It’s advisable to obtain insurance quotes for the specific area you plan to reside in to get an idea of the potential insurance costs. This helps ensure that the overall cost of living, including insurance expenses, fits within your budget.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.