Cheapest and Best Car Insurance in Little Rock, AR (July 2024)


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Updated: July 1, 2024

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Finding affordable car insurance in Little Rock may vary by coverage and driver specifics. For full coverage, Southern Farm Bureau stands out, differing from Allstate, which is best for families with teens. When it comes to customer service, Auto-Owners also leads, and is the same company rated as best overall for a blend of price and service. The right choice for you, however, will hinge on personal needs and coverage priorities.

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2024

Cheapest and Best Car Insurance in Little Rock

Why Trust MoneyGeek? We analyzed 18,932 quotes in Arkansas, including the city of Little Rock, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Little Rock insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Little Rock, AR, as of July 2024.

18,932Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Little Rock

MoneyGeek found that Southern Farm Bureau is the cheapest option in Little Rock, with a notable difference in annual premiums for minimum coverage car insurance.

  • Southern Farm Bureau: $428 per year
  • State Farm: $473 per year

Dairyland offers the most expensive minimum coverage policy in Little Rock, with an annual premium of $1,413. This is a staggering $985 difference compared to Southern Farm Bureau.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Southern Farm BureauAnnual Premium$428Monthly Premium$36
State FarmAnnual Premium$473Monthly Premium$39
NationwideAnnual Premium$509Monthly Premium$42
ProgressiveAnnual Premium$513Monthly Premium$43
Auto-Owners Insurance CoAnnual Premium$535Monthly Premium$45
TravelersAnnual Premium$575Monthly Premium$48
GEICOAnnual Premium$590Monthly Premium$49
ShelterAnnual Premium$621Monthly Premium$52

In Arkansas, all cities, including Little Rock, adhere to state-mandated minimum car insurance requirements. Here's what the law stipulates:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage liability per accident

Consider you're carrying the minimum coverage, and you're responsible for an accident that injures another driver. Your policy will cover up to $25,000 for their injuries, but if their medical bills exceed this limit, you're expected to cover the difference out of pocket. Likewise, if multiple people are injured and the total expenses surpass the per accident limit of $50,000, those extra costs are your responsibility.

Cheapest Full Coverage Car Insurance in Little Rock

MoneyGeek found that Southern Farm Bureau is the cheapest option in Little Rock for cheapest full coverage car insurance. The most affordable providers are:

  • Southern Farm Bureau: $949 per year
  • Nationwide: $1,021 per year

Dairyland has the most expensive full coverage policy in Little Rock, with an annual rate of $3,189. That's $2,240 more expensive than Southern Farm Bureau.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Southern Farm BureauAnnual Premium$949Monthly Premium$79
NationwideAnnual Premium$1,021Monthly Premium$85
TravelersAnnual Premium$1,082Monthly Premium$90
Auto-Owners Insurance CoAnnual Premium$1,100Monthly Premium$92
State FarmAnnual Premium$1,152Monthly Premium$96
ShelterAnnual Premium$1,236Monthly Premium$103
GEICOAnnual Premium$1,251Monthly Premium$104
FarmersAnnual Premium$1,275Monthly Premium$106

A full coverage plan in Little Rock enhances your protection significantly by expanding the liability limits beyond the basic minimum. This enhanced policy offers $100,000 for bodily injury per individual, $300,000 for bodily injury per collision, and $100,000 for property damage per collision. In industry terms, professionals refer to this as a 100/300/100 policy.

Full coverage extends beyond increased liability limits, encompassing two other key components:

  • Collision Insurance: This part of the policy provides financial protection for damages to your automobile as a result of a crash, whether it involves another vehicle or an object like a lamppost or a fence, a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This insurance pays for car damages caused by incidents that aren't crash-related, such as theft, vandalism and damage from natural disasters and being struck by an animal like a deer.

For owners of new vehicles, opting for full coverage insurance is a good choice. For old vehicles, the added expense of full coverage may not be cost-effective. More comprehensive insurance translates to higher premiums, yet more modest coverage could leave you vulnerable financially if an accident occurs. To decide how much car insurance you need evaluate your specific situation.

Cheapest Car Insurance in Little Rock After a Driving Offense

MoneyGeek found that Southern Farm Bureau is the most affordable insurance option in Little Rock for drivers with a poor driving record, offering different rates depending on the specific violation.

  • Speeding Ticket: Southern Farm Bureau ($1,056 per year)
  • At-fault accident: Southern Farm Bureau ($1,278 per year)
  • DUI: Southern Farm Bureau ($1,184 per year)

Among the companies listed, Dairyland tends to have the highest annual rates for drivers with these infractions, with the greatest difference in annual premiums being between the cheapest rates after a speeding ticket and after a DUI: a difference of $128, illustrating how the type of offense can significantly influence car insurance costs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Southern Farm BureauAnnual Premium$1,056Monthly Premium$88
State FarmAnnual Premium$1,293Monthly Premium$108
NationwideAnnual Premium$1,337Monthly Premium$111
GEICOAnnual Premium$1,402Monthly Premium$117
Auto-Owners Insurance CoAnnual Premium$1,508Monthly Premium$126
TravelersAnnual Premium$1,518Monthly Premium$127
AllstateAnnual Premium$1,577Monthly Premium$131
FarmersAnnual Premium$1,609Monthly Premium$134

Insurance rates in Little Rock, and similar cities, are typically elevated for drivers with infractions because serious offenses are linked to higher risks for insurers. For example, drivers with a speeding ticket may face an average annual rate of $2,580, while those with a DUI could encounter rates around $2,910.

Cheapest Car Insurance in Little Rock for Teens and Their Families

MoneyGeek found that Allstate is the cheapest option in Little Rock for families seeking the cheapest car insurance for teens. Here are the most affordable providers:

  • Allstate: $1,846 per year for female teens and $1,986 per year for male teens
  • Nationwide: $1,871 per year for female teens and $2,117 per year for male teens

Progressive has the most expensive teen family policy in Little Rock, with annual premiums of $3,178 for female teens and $3,563 for male teens. The $1,332 difference between the cheapest and most expensive option for female teens is why you should compare quotes.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
AllstateFamily Plan Annual Premium$1,846Individual Plan Monthly Premium$7,248
NationwideFamily Plan Annual Premium$1,871Individual Plan Monthly Premium$3,915
State FarmFamily Plan Annual Premium$2,039Individual Plan Monthly Premium$2,905
TravelersFamily Plan Annual Premium$2,369Individual Plan Monthly Premium$4,033
GEICOFamily Plan Annual Premium$2,450Individual Plan Monthly Premium$6,370
FarmersFamily Plan Annual Premium$2,968Individual Plan Monthly Premium$7,843
ProgressiveFamily Plan Annual Premium$3,178Individual Plan Monthly Premium$9,773
Auto-Owners Insurance CoFamily Plan Annual Premium$3,477Individual Plan Monthly Premium$3,288

In Little Rock, teens seeking car insurance face steep premiums; on average an individual annual policy costs $6,487, in contrast to the more economical $2,819 added to a family plan. This difference is due to the risks associated with insuring inexperienced drivers,

Cheapest Car Insurance in Little Rock for Military Drivers

MoneyGeek found that USAA offers the cheapest full coverage car insurance for military backgrounds in Little Rock. Here are the two least expensive options available:

  • USAA: $650 per year
  • Southern Farm Bureau: $949 per year

USAA not only offers the lowest annual premium but also provides services particularly tailored to the needs of active-duty military members().

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$650Monthly Premium$54
Southern Farm BureauAnnual Premium$949Monthly Premium$79
NationwideAnnual Premium$1,021Monthly Premium$85
TravelersAnnual Premium$1,082Monthly Premium$90
Auto-Owners Insurance CoAnnual Premium$1,100Monthly Premium$92
State FarmAnnual Premium$1,152Monthly Premium$96
ShelterAnnual Premium$1,236Monthly Premium$103
GEICOAnnual Premium$1,251Monthly Premium$104

How to Compare Cheap Little Rock Car Insurance Quotes Online

You can use MoneyGeek's car insurance calculator to get car insurance rate estimates. By merely inputting age, driving history, credit score and desired coverage among a handful of determinants, users receive a tailored rate estimate.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 12, 2024

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Best Car Insurance in Little Rock: Overview

Choosing the ideal auto insurance requires weighing factors like service quality, cost efficiency, coverage options, and more. MoneyGeek's unique scoring systems for each category have determined that in Little Rock, the top car insurance providers are:

  • Best overall: Auto-Owners (MoneyGeek score of 79 out of 100)
  • Best for service: Auto-Owners (MoneyGeek score of 74 out of 100)
  • Best cheap: Auto-Owners (MoneyGeek score of 82 out of 100)

Since Auto-Owners wins across all categories.

Overall Best Car Insurance in Little Rock

MoneyGeek found that Auto-Owners has the top-rated car insurance in Little Rock, offering a combination of high customer satisfaction and cost-effectiveness. When it comes to securing the best car insurance, here are the leading providers in the city:

  • Auto-Owners: MoneyGeek score of 79 out of 100 ($1,100 per year)
  • Shelter: MoneyGeek score of 74 out of 100 ($1,236 per year)

Auto-Owners stands out primarily because of its superior satisfaction and affordability scores.

Company logo for Auto-Owners
Best OverallAuto-Owners
MoneyGeek Score:
79/ of 100

Overview

Auto-Owners has a perfect coverage score and high marks in affordability and claims. It offers roadside assistance and rental car and/or travel reimbursement. It also offers gap insurance, accident forgiveness and diminished value coverage.

Its personal automobile plus package bundles several advantageous coverages, and the deductible modification is a unique offering that waives your collision deductible under certain circumstances.

Best Car Insurance in Little Rock for Customer Service

MoneyGeek found that Auto-Owners is the best option in Little Rock for those looking for top-notch customer service from their car insurance provider.

  • Auto-Owners: MoneyGeek score of 74 out of 100 ($1,100 per year)
  • Shelter: MoneyGeek score of 69 out of 100 ($1,236 per year)

Auto-Owners is the frontrunner due to its exceptionally high marks in customer satisfaction and claims processing.

Company logo for Auto-Owners
Best for Customer ServiceAuto-Owners
MoneyGeek Score:
74/ of 100

Overview

Auto-Owners scores well in affordability, customer satisfaction and claims management. It offers above-average customer service and sets itself apart through a coverage score of 10 (out of 10). Customer service is an important factor when choosing a car insurance company since you want excellent service when you need to make a claim. It also offers accident forgiveness, diminished value coverage and gap insurance.

Best Cheap Car Insurance Companies in Little Rock

MoneyGeek found that Auto-Owners is the premier choice for cheap car insurance in Little Rock for cost-conscious drivers, not only for its affordability but also for its performance in claims handling and customer satisfaction.

  • Auto-Owners: MoneyGeek score of 82 out of 100 ($535 per year)
  • State Farm: MoneyGeek score of 76 out of 100 ($473 per year)

Auto-Owners distinguishes itself with the highest MoneyGeek score, reflecting its exceptional balance between cost-efficiency and quality service.

Company logo for Auto-Owners
Best Cheap CompanyAuto-Owners
MoneyGeek Score:
82/ of 100

Overview

Auto-Owners leads with stellar performance in coverage and claims, securing a top spot in MoneyGeek's ranking system. With an average annual premium of only $535, the cost for minimum coverage translates to a particularly economical $45 per month for the average driver.

Average Cost of Car Insurance in Little Rock

In Little Rock, the average car insurance cost stands at $1,519. This figure surpasses the statewide average in Arkansas, which is $1,349, showing that residents of Little Rock pay an additional $170 on average for their auto insurance. Furthermore, Arkansas' average is notably lower than the national average, with residents paying $432 less than the typical U.S. premium of $1,781.

Car insurance rates are influenced by a range of variables, with location being a significant factor. Insurers consider the frequency of claims in an area, the cost of living, and local laws, among other aspects. Although Little Rock has the most expensive premiums in the state at $1,128, residents of Arkansas typically enjoy premiums that are less than the national average. This is evident when comparing Little Rock's premium with the least expensive city in Arkansas, which shows a difference of $135. The disparity in premiums demonstrates how urban locations with higher traffic density tend to have higher insurance costs, whereas more rural or less populated areas might see even lower rates.

Little RockAnnual Premium$1,519

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.