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Hanover offers the cheapest minimum and full coverage policy in Little Rock. State Farm is the cheapest with a driving violation, such as a speeding ticket, an at-fault accident or a DUI, while Allstate is the least expensive for teen drivers on a family policy.

Auto-Owners Insurance Co is MoneyGeek’s pick for the best overall cheap car insurance in Little Rock, whereas Shelter is our winner for the best customer service.

MoneyGeek Logo IconCheapest + BestCar InsuranceLittle Rock
2023

Cheapest and Best Car Insurance in Little Rock, AR

Cheapest Minimum Liability Car Insurance in Little Rock

Little Rock drivers looking for a minimum coverage policy may find the average lowest rates from the following companies:

  • Hanover: $294 per year
  • State Farm: $341 per year

The highest rate is with Dairyland at approximately $1,432 per year. State Farm is the cheapest car insurance company in Arkansas overall, costing roughly $237 per year for minimum coverage. Where you live in the state can significantly affect how much you pay for car insurance.

Company
Annual Premium
Monthly Premium

Hanover

$273

$23

Hanover

$294

$24

State Farm

$321

$27

State Farm

$341

$28

Louisiana Farm Bureau

$343

$29

Southern Farm Bureau

$343

$29

South Carolina Farm Bureau

$343

$29

Hanover

$373

$31

Southern Farm Bureau

$386

$32

South Carolina Farm Bureau

$386

$32

Louisiana Farm Bureau

$386

$32

State Farm

$415

$35

GEICO

$427

$36

Auto-Owners Insurance Co

$434

$36

Progressive

$437

$36

Progressive

$443

$37

Auto-Owners Insurance Co

$445

$37

Nationwide

$449

$37

GEICO

$450

$37

Nationwide

$468

$39

Louisiana Farm Bureau

$477

$40

South Carolina Farm Bureau

$477

$40

Southern Farm Bureau

$477

$40

Farmers

$482

$40

GEICO

$499

$42

Farmers

$505

$42

Travelers

$511

$43

AAA

$532

$44

Progressive

$534

$44

Travelers

$545

$45

AAA

$579

$48

Travelers

$581

$48

Farmers

$598

$50

Alfa

$608

$51

Nationwide

$608

$51

Allstate

$609

$51

Shelter

$609

$51

Allstate

$617

$51

Auto-Owners Insurance Co

$628

$52

Alfa

$654

$54

Allstate

$666

$55

Hanover

$671

$56

State Farm

$715

$60

AAA

$723

$60

South Carolina Farm Bureau

$727

$61

Louisiana Farm Bureau

$727

$61

Southern Farm Bureau

$727

$61

Hanover

$773

$64

State Farm

$782

$65

Shelter

$803

$67

Auto-Owners Insurance Co

$814

$68

South Carolina Farm Bureau

$818

$68

Louisiana Farm Bureau

$818

$68

Southern Farm Bureau

$818

$68

GEICO

$837

$70

Alfa

$842

$70

Auto-Owners Insurance Co

$848

$71

GEICO

$881

$73

Nationwide

$886

$74

Farmers

$895

$75

Home State Ins Group

$907

$76

Hanover

$907

$76

Farmers

$940

$78

Home State Ins Group

$970

$81

Nationwide

$975

$81

Travelers

$976

$81

Travelers

$987

$82

Louisiana Farm Bureau

$1,001

$83

Southern Farm Bureau

$1,001

$83

South Carolina Farm Bureau

$1,001

$83

State Farm

$1,002

$83

GEICO

$1,049

$87

Allstate

$1,056

$88

Shelter

$1,056

$88

Allstate

$1,125

$94

AAA

$1,127

$94

Allstate

$1,137

$95

Farmers

$1,139

$95

Home State Ins Group

$1,142

$95

Travelers

$1,160

$97

Nationwide

$1,215

$101

Auto-Owners Insurance Co

$1,223

$102

Shelter

$1,231

$103

AAA

$1,239

$103

Progressive

$1,310

$109

Progressive

$1,367

$114

Shelter

$1,389

$116

Dairyland

$1,415

$118

Dairyland

$1,432

$119

Alfa

$1,465

$122

Alfa

$1,489

$124

AAA

$1,538

$128

Dairyland

$1,705

$142

Progressive

$1,711

$143

Alfa

$2,047

$171

Shelter

$2,104

$175

Home State Ins Group

$2,230

$186

Home State Ins Group

$2,303

$192

Dairyland

$2,543

$212

Home State Ins Group

$2,718

$227

Dairyland

$2,733

$228

Dairyland

$3,325

$277

The minimum car insurance requirement in Arkansas only covers bodily injury liability and property damage liability with the following amounts:

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

Minimum coverage or liability-only car insurance only protects against the cost of damages to the other driver in an at-fault accident. If you have $25,000 in bodily injury liability per person and $50,000 per accident, your insurance provider will only cover medical costs for each person up to $25,000, for a maximum of $50,000 per accident.

Cheapest Full Coverage Car Insurance in Little Rock

For full coverage, on average, the least expensive car insurance providers in Little Rock are:

  • Hanover: $773 per year
  • State Farm: $782 per year

Dairyland offers the most expensive premium at around $2,733 per year. The cheapest full coverage car insurance in Arkansas costs an average of $619 per year from Southern Farm Bureau. Your location is an important factor when calculating rates.

Company
Annual Premium
Monthly Premium

Hanover

$273

$23

Hanover

$294

$24

State Farm

$321

$27

State Farm

$341

$28

Louisiana Farm Bureau

$343

$29

Southern Farm Bureau

$343

$29

South Carolina Farm Bureau

$343

$29

Hanover

$373

$31

Southern Farm Bureau

$386

$32

South Carolina Farm Bureau

$386

$32

Louisiana Farm Bureau

$386

$32

State Farm

$415

$35

GEICO

$427

$36

Auto-Owners Insurance Co

$434

$36

Progressive

$437

$36

Progressive

$443

$37

Auto-Owners Insurance Co

$445

$37

Nationwide

$449

$37

GEICO

$450

$37

Nationwide

$468

$39

Louisiana Farm Bureau

$477

$40

South Carolina Farm Bureau

$477

$40

Southern Farm Bureau

$477

$40

Farmers

$482

$40

GEICO

$499

$42

Farmers

$505

$42

Travelers

$511

$43

AAA

$532

$44

Progressive

$534

$44

Travelers

$545

$45

AAA

$579

$48

Travelers

$581

$48

Farmers

$598

$50

Alfa

$608

$51

Nationwide

$608

$51

Allstate

$609

$51

Shelter

$609

$51

Allstate

$617

$51

Auto-Owners Insurance Co

$628

$52

Alfa

$654

$54

Allstate

$666

$55

Hanover

$671

$56

State Farm

$715

$60

AAA

$723

$60

South Carolina Farm Bureau

$727

$61

Louisiana Farm Bureau

$727

$61

Southern Farm Bureau

$727

$61

Hanover

$773

$64

State Farm

$782

$65

Shelter

$803

$67

Auto-Owners Insurance Co

$814

$68

South Carolina Farm Bureau

$818

$68

Louisiana Farm Bureau

$818

$68

Southern Farm Bureau

$818

$68

GEICO

$837

$70

Alfa

$842

$70

Auto-Owners Insurance Co

$848

$71

GEICO

$881

$73

Nationwide

$886

$74

Farmers

$895

$75

Home State Ins Group

$907

$76

Hanover

$907

$76

Farmers

$940

$78

Home State Ins Group

$970

$81

Nationwide

$975

$81

Travelers

$976

$81

Travelers

$987

$82

Louisiana Farm Bureau

$1,001

$83

Southern Farm Bureau

$1,001

$83

South Carolina Farm Bureau

$1,001

$83

State Farm

$1,002

$83

GEICO

$1,049

$87

Allstate

$1,056

$88

Shelter

$1,056

$88

Allstate

$1,125

$94

AAA

$1,127

$94

Allstate

$1,137

$95

Farmers

$1,139

$95

Home State Ins Group

$1,142

$95

Travelers

$1,160

$97

Nationwide

$1,215

$101

Auto-Owners Insurance Co

$1,223

$102

Shelter

$1,231

$103

AAA

$1,239

$103

Progressive

$1,310

$109

Progressive

$1,367

$114

Shelter

$1,389

$116

Dairyland

$1,415

$118

Dairyland

$1,432

$119

Alfa

$1,465

$122

Alfa

$1,489

$124

AAA

$1,538

$128

Dairyland

$1,705

$142

Progressive

$1,711

$143

Alfa

$2,047

$171

Shelter

$2,104

$175

Home State Ins Group

$2,230

$186

Home State Ins Group

$2,303

$192

Dairyland

$2,543

$212

Home State Ins Group

$2,718

$227

Dairyland

$2,733

$228

Dairyland

$3,325

$277

Full coverage means having comprehensive and collision insurance with liability on your auto policy.

  • Collision Insurance: It covers the cost of repairing or replacing your vehicle if it’s damaged due to colliding with another car or an object.
  • Comprehensive Insurance: It covers the cost of repairing or replacing your vehicle if it’s damaged due to a non-accident incident like fire, vandalism or theft.

While a full coverage policy provides the ultimate financial protection, spending hundreds more for extra coverage may not be a wise decision if your vehicle is older or has a lower value.

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Cheapest Car Insurance in Little Rock After a Driving Offense

In Little Rock, on average, the most affordable car insurance companies after a driving violation are:

  • Speeding ticket: State Farm ($884 per year)
  • At-fault accident: State Farm ($962 per year)
  • DUI: State Farm ($884 per year)

Expect the average highest rate for full coverage from Dairyland after a speeding ticket ($3,374 per year) or an at-fault accident ($3,824 per year). Shelter offers the most expensive full coverage policy after a DUI at around $3,311 per year. A driving violation has a significant impact on the premium, so even the cheapest rate will be higher than those for drivers with clean records.

Company
Annual Premium
Monthly Premium

State Farm

$369

$31

State Farm

$369

$31

Louisiana Farm Bureau

$381

$32

South Carolina Farm Bureau

$381

$32

Southern Farm Bureau

$381

$32

State Farm

$391

$33

State Farm

$391

$33

Hanover

$396

$33

State Farm

$405

$34

Hanover

$424

$35

Hanover

$425

$35

Hanover

$427

$36

Louisiana Farm Bureau

$429

$36

Southern Farm Bureau

$429

$36

South Carolina Farm Bureau

$429

$36

State Farm

$431

$36

Southern Farm Bureau

$433

$36

Louisiana Farm Bureau

$433

$36

South Carolina Farm Bureau

$433

$36

Hanover

$456

$38

Louisiana Farm Bureau

$461

$38

Southern Farm Bureau

$461

$38

South Carolina Farm Bureau

$461

$38

Hanover

$468

$39

GEICO

$475

$40

State Farm

$477

$40

State Farm

$477

$40

Southern Farm Bureau

$487

$41

Louisiana Farm Bureau

$487

$41

South Carolina Farm Bureau

$487

$41

Hanover

$489

$41

Hanover

$489

$41

Auto-Owners Insurance Co

$499

$42

GEICO

$500

$42

Auto-Owners Insurance Co

$512

$43

Southern Farm Bureau

$520

$43

Louisiana Farm Bureau

$520

$43

South Carolina Farm Bureau

$520

$43

State Farm

$525

$44

Southern Farm Bureau

$531

$44

South Carolina Farm Bureau

$531

$44

Louisiana Farm Bureau

$531

$44

GEICO

$537

$45

Progressive

$540

$45

GEICO

$544

$45

GEICO

$545

$45

Hanover

$579

$48

Nationwide

$584

$49

Farmers

$594

$50

GEICO

$594

$50

Southern Farm Bureau

$602

$50

South Carolina Farm Bureau

$602

$50

Louisiana Farm Bureau

$602

$50

Nationwide

$603

$50

Progressive

$608

$51

Progressive

$612

$51

Progressive

$642

$53

Southern Farm Bureau

$642

$54

South Carolina Farm Bureau

$642

$54

Louisiana Farm Bureau

$642

$54

GEICO

$644

$54

Farmers

$671

$56

Allstate

$685

$57

Farmers

$688

$57

Allstate

$694

$58

Auto-Owners Insurance Co

$694

$58

GEICO

$695

$58

Travelers

$699

$58

Farmers

$699

$58

Progressive

$701

$58

Farmers

$709

$59

Auto-Owners Insurance Co

$711

$59

Progressive

$716

$60

Auto-Owners Insurance Co

$723

$60

Travelers

$731

$61

GEICO

$733

$61

Travelers

$740

$62

Allstate

$755

$63

Allstate

$763

$64

Nationwide

$763

$64

Travelers

$774

$65

Nationwide

$774

$65

Allstate

$775

$65

Farmers

$779

$65

AAA

$782

$65

Farmers

$788

$66

Allstate

$792

$66

Louisiana Farm Bureau

$797

$66

South Carolina Farm Bureau

$797

$66

Southern Farm Bureau

$797

$66

Travelers

$799

$67

Nationwide

$799

$67

Allstate

$803

$67

Farmers

$805

$67

State Farm

$811

$68

State Farm

$811

$68

Farmers

$816

$68

Travelers

$838

$70

Allstate

$847

$71

Travelers

$848

$71

AAA

$854

$71

Travelers

$877

$73

Progressive

$877

$73

Allstate

$881

$73

State Farm

$884

$74

State Farm

$884

$74

State Farm

$884

$74

South Carolina Farm Bureau

$893

$74

Louisiana Farm Bureau

$893

$74

Southern Farm Bureau

$893

$74

South Carolina Farm Bureau

$899

$75

Louisiana Farm Bureau

$899

$75

Southern Farm Bureau

$899

$75

AAA

$904

$75

AAA

$911

$76

Auto-Owners Insurance Co

$921

$77

Home State Ins Group

$951

$79

Travelers

$960

$80

State Farm

$962

$80

Southern Farm Bureau

$963

$80

Louisiana Farm Bureau

$963

$80

South Carolina Farm Bureau

$963

$80

Nationwide

$967

$81

Auto-Owners Insurance Co

$977

$81

GEICO

$980

$82

Home State Ins Group

$987

$82

AAA

$987

$82

Nationwide

$992

$83

Alfa

$992

$83

AAA

$994

$83

Nationwide

$998

$83

Progressive

$1,000

$83

Auto-Owners Insurance Co

$1,000

$83

Auto-Owners Insurance Co

$1,005

$84

GEICO

$1,008

$84

South Carolina Farm Bureau

$1,009

$84

Louisiana Farm Bureau

$1,009

$84

Southern Farm Bureau

$1,009

$84

Hanover

$1,012

$84

Hanover

$1,015

$85

Home State Ins Group

$1,017

$85

Progressive

$1,027

$86

Hanover

$1,036

$86

Alfa

$1,039

$87

Home State Ins Group

$1,055

$88

AAA

$1,064

$89

Hanover

$1,067

$89

GEICO

$1,070

$89

GEICO

$1,078

$90

Alfa

$1,084

$90

Hanover

$1,086

$90

Southern Farm Bureau

$1,089

$91

Louisiana Farm Bureau

$1,089

$91

South Carolina Farm Bureau

$1,089

$91

Southern Farm Bureau

$1,102

$92

South Carolina Farm Bureau

$1,102

$92

Louisiana Farm Bureau

$1,102

$92

Shelter

$1,116

$93

Alfa

$1,131

$94

State Farm

$1,134

$95

State Farm

$1,134

$95

GEICO

$1,141

$95

Alfa

$1,142

$95

Nationwide

$1,147

$96

GEICO

$1,154

$96

Hanover

$1,156

$96

Home State Ins Group

$1,161

$97

Hanover

$1,163

$97

Auto-Owners Insurance Co

$1,167

$97

Hanover

$1,180

$98

Alfa

$1,189

$99

Nationwide

$1,191

$99

Home State Ins Group

$1,198

$100

Farmers

$1,204

$100

Farmers

$1,218

$102

Allstate

$1,227

$102

AAA

$1,229

$102

State Farm

$1,236

$103

AAA

$1,238

$103

Louisiana Farm Bureau

$1,240

$103

Southern Farm Bureau

$1,240

$103

South Carolina Farm Bureau

$1,240

$103

Home State Ins Group

$1,242

$104

Home State Ins Group

$1,243

$104

Nationwide

$1,246

$104

Alfa

$1,253

$104

Shelter

$1,277

$106

Farmers

$1,313

$109

Allstate

$1,317

$110

Allstate

$1,324

$110

GEICO

$1,330

$111

Southern Farm Bureau

$1,336

$111

South Carolina Farm Bureau

$1,336

$111

Louisiana Farm Bureau

$1,336

$111

Farmers

$1,344

$112

Alfa

$1,346

$112

Farmers

$1,346

$112

GEICO

$1,358

$113

Shelter

$1,360

$113

Hanover

$1,380

$115

Farmers

$1,382

$115

Travelers

$1,395

$116

Farmers

$1,402

$117

Alfa

$1,404

$117

Allstate

$1,404

$117

Dairyland

$1,408

$117

Auto-Owners Insurance Co

$1,414

$118

Dairyland

$1,426

$119

Allstate

$1,453

$121

Travelers

$1,459

$122

Home State Ins Group

$1,465

$122

Shelter

$1,466

$122

Travelers

$1,479

$123

Nationwide

$1,508

$126

Farmers

$1,513

$126

Travelers

$1,516

$126

Allstate

$1,517

$126

Nationwide

$1,518

$127

Allstate

$1,520

$127

Auto-Owners Insurance Co

$1,520

$127

GEICO

$1,543

$129

Farmers

$1,548

$129

Travelers

$1,552

$129

Auto-Owners Insurance Co

$1,562

$130

Allstate

$1,570

$131

Allstate

$1,571

$131

Travelers

$1,584

$132

AAA

$1,626

$136

Progressive

$1,633

$136

Nationwide

$1,633

$136

Travelers

$1,641

$137

Shelter

$1,678

$140

Auto-Owners Insurance Co

$1,689

$141

Dairyland

$1,698

$141

Travelers

$1,749

$146

Progressive

$1,753

$146

Travelers

$1,781

$148

AAA

$1,784

$149

Shelter

$1,785

$149

Dairyland

$1,809

$151

AAA

$1,854

$155

AAA

$1,864

$155

Nationwide

$1,889

$157

Shelter

$1,892

$158

Progressive

$1,899

$158

Dairyland

$1,943

$162

Nationwide

$1,970

$164

Shelter

$1,981

$165

Progressive

$2,014

$168

Nationwide

$2,014

$168

AAA

$2,034

$170

Dairyland

$2,044

$170

AAA

$2,046

$171

Progressive

$2,058

$172

Dairyland

$2,062

$172

Auto-Owners Insurance Co

$2,089

$174

Auto-Owners Insurance Co

$2,134

$178

Shelter

$2,139

$178

Dairyland

$2,189

$182

AAA

$2,215

$185

Shelter

$2,265

$189

Auto-Owners Insurance Co

$2,277

$190

Progressive

$2,295

$191

Alfa

$2,298

$192

Home State Ins Group

$2,322

$193

Alfa

$2,325

$194

Nationwide

$2,351

$196

Home State Ins Group

$2,396

$200

Home State Ins Group

$2,399

$200

Shelter

$2,412

$201

Dairyland

$2,419

$202

Alfa

$2,430

$202

Alfa

$2,456

$205

Home State Ins Group

$2,476

$206

Shelter

$2,486

$207

Shelter

$2,519

$210

AAA

$2,524

$210

Dairyland

$2,537

$211

AAA

$2,541

$212

Alfa

$2,564

$214

Progressive

$2,575

$215

Alfa

$2,590

$216

Dairyland

$2,726

$227

Home State Ins Group

$2,762

$230

Shelter

$2,812

$234

Home State Ins Group

$2,830

$236

Progressive

$2,858

$238

Home State Ins Group

$2,860

$238

Home State Ins Group

$2,920

$243

Alfa

$2,942

$245

Progressive

$3,037

$253

Alfa

$3,073

$256

Auto-Owners Insurance Co

$3,127

$261

Alfa

$3,206

$267

Shelter

$3,311

$276

Dairyland

$3,317

$276

Shelter

$3,358

$280

Home State Ins Group

$3,367

$281

Dairyland

$3,374

$281

Dairyland

$3,556

$296

Dairyland

$3,759

$313

Shelter

$3,798

$316

Dairyland

$3,824

$319

Dairyland

$4,203

$350

Dairyland

$4,204

$350

Shelter

$4,471

$373

Car insurance may increase with the severity of the driving violation. In Little Rock, for example, drivers with a DUI may pay roughly $174 more for car insurance than those with a speeding ticket. Thus, finding the cheapest car insurance with a bad driving record is critical to saving money on your premium.

Cheapest Car Insurance in Little Rock for Teens and Their Families

A 16-year-old driver on a family policy may find the average cheapest rate for full coverage car insurance from the following companies in Little Rock:

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

Auto-Owners Insurance Co has the highest rate for families adding a female teen to their policy at around $3,477 per year, whereas Progressive is the most expensive when adding a male teen to the policy at roughly $3,563 per year. Male teens tend to have a higher rate than female teens because auto insurers consider them riskier to insure. As they age, the cost difference diminishes.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$1,033

$1,971

Nationwide

$1,069

$2,255

State Farm

$1,073

$2,333

Nationwide

$1,090

$2,454

Travelers

$1,130

$2,071

Travelers

$1,163

$2,220

Travelers

$1,169

$2,442

Allstate

$1,192

$1,897

Nationwide

$1,195

$3,300

State Farm

$1,199

$2,607

Allstate

$1,201

$2,528

Travelers

$1,201

$2,292

Allstate

$1,220

$1,962

State Farm

$1,239

$2,637

Nationwide

$1,245

$2,627

State Farm

$1,259

$3,165

Allstate

$1,263

$5,833

Nationwide

$1,271

$3,780

Nationwide

$1,273

$3,084

Travelers

$1,286

$2,357

Allstate

$1,287

$2,049

Allstate

$1,294

$3,033

State Farm

$1,310

$2,848

Nationwide

$1,310

$2,949

Nationwide

$1,315

$2,775

Travelers

$1,334

$2,814

Nationwide

$1,338

$3,510

State Farm

$1,343

$3,436

Allstate

$1,347

$2,410

Travelers

$1,378

$2,664

Travelers

$1,384

$2,535

Nationwide

$1,392

$3,133

GEICO

$1,393

$1,776

Allstate

$1,395

$2,220

State Farm

$1,406

$2,991

Allstate

$1,412

$2,272

GEICO

$1,421

$1,517

GEICO

$1,432

$1,826

GEICO

$1,449

$1,547

Auto-Owners Insurance Co

$1,465

$4,193

Auto-Owners Insurance Co

$1,467

$4,199

Allstate

$1,474

$2,742

Allstate

$1,485

$3,128

State Farm

$1,488

$3,741

Allstate

$1,495

$3,788

GEICO

$1,501

$2,838

Auto-Owners Insurance Co

$1,509

$4,223

Allstate

$1,512

$7,580

GEICO

$1,512

$1,928

GEICO

$1,542

$1,646

State Farm

$1,545

$3,952

State Farm

$1,545

$4,470

State Farm

$1,549

$3,296

GEICO

$1,550

$2,494

Auto-Owners Insurance Co

$1,553

$4,347

Auto-Owners Insurance Co

$1,558

$4,457

Allstate

$1,559

$2,507

Auto-Owners Insurance Co

$1,559

$4,996

Farmers

$1,561

$2,100

Travelers

$1,566

$3,028

Travelers

$1,568

$3,403

GEICO

$1,580

$2,529

GEICO

$1,626

$2,234

Travelers

$1,638

$3,146

Farmers

$1,644

$2,327

State Farm

$1,656

$4,160

Allstate

$1,656

$4,582

Auto-Owners Insurance Co

$1,679

$4,698

Auto-Owners Insurance Co

$1,683

$5,569

Nationwide

$1,686

$5,641

Allstate

$1,720

$4,034

State Farm

$1,774

$5,126

Auto-Owners Insurance Co

$1,778

$6,275

Nationwide

$1,817

$6,673

Auto-Owners Insurance Co

$1,819

$5,378

Nationwide

$1,820

$5,028

Allstate

$1,827

$8,435

Progressive

$1,836

$2,879

GEICO

$1,844

$4,027

Allstate

$1,846

$11,301

Nationwide

$1,871

$7,047

Nationwide

$1,878

$6,900

GEICO

$1,888

$5,423

Travelers

$1,891

$3,634

Nationwide

$1,894

$7,088

Travelers

$1,898

$4,116

Travelers

$1,899

$4,166

GEICO

$1,903

$3,598

GEICO

$1,910

$4,887

GEICO

$1,938

$3,619

State Farm

$1,946

$5,611

Progressive

$1,949

$3,993

State Farm

$1,950

$4,899

Progressive

$1,973

$3,094

Allstate

$1,986

$12,188

Auto-Owners Insurance Co

$1,995

$5,897

Progressive

$1,995

$3,261

GEICO

$2,014

$3,240

Allstate

$2,016

$10,107

Auto-Owners Insurance Co

$2,019

$6,630

Nationwide

$2,027

$6,028

State Farm

$2,029

$5,862

State Farm

$2,039

$6,682

Nationwide

$2,059

$8,277

Progressive

$2,060

$3,649

Auto-Owners Insurance Co

$2,070

$8,311

Auto-Owners Insurance Co

$2,076

$7,327

Progressive

$2,103

$3,297

Nationwide

$2,117

$8,718

Nationwide

$2,124

$8,542

GEICO

$2,172

$6,239

Progressive

$2,220

$3,628

GEICO

$2,229

$5,704

State Farm

$2,255

$6,423

Travelers

$2,275

$4,935

Farmers

$2,328

$7,724

Progressive

$2,355

$4,546

Travelers

$2,369

$6,364

Travelers

$2,379

$5,119

Farmers

$2,383

$1,823

Progressive

$2,422

$3,959

Farmers

$2,423

$8,349

Farmers

$2,428

$1,857

Farmers

$2,432

$1,860

Progressive

$2,439

$5,177

Farmers

$2,449

$1,954

GEICO

$2,450

$9,448

Farmers

$2,461

$1,990

Farmers

$2,492

$1,988

Farmers

$2,508

$4,249

Farmers

$2,533

$2,020

Farmers

$2,561

$2,209

State Farm

$2,581

$7,350

Farmers

$2,582

$4,557

State Farm

$2,593

$8,378

GEICO

$2,632

$9,614

Progressive

$2,657

$6,603

Progressive

$2,800

$5,736

Farmers

$2,806

$3,777

Progressive

$2,813

$14,428

Farmers

$2,853

$9,463

Farmers

$2,884

$4,083

Travelers

$2,906

$6,252

Farmers

$2,968

$12,349

Farmers

$2,983

$10,277

Travelers

$3,040

$8,254

Farmers

$3,103

$13,449

Auto-Owners Insurance Co

$3,164

$8,998

Progressive

$3,172

$8,020

Progressive

$3,178

$16,783

Auto-Owners Insurance Co

$3,196

$11,787

Progressive

$3,228

$16,797

Progressive

$3,300

$7,007

Progressive

$3,448

$17,685

Auto-Owners Insurance Co

$3,477

$10,776

Auto-Owners Insurance Co

$3,477

$9,889

Auto-Owners Insurance Co

$3,519

$12,976

Auto-Owners Insurance Co

$3,520

$14,178

Progressive

$3,563

$18,911

Progressive

$3,828

$19,919

Companies tend to charge a higher rate for teens buying auto insurance themselves than when a family policy includes them. For instance, a male teen buying an individual policy in Little Rock may pay around $2,988 more than the family policy. You may save thousands of dollars each year by finding the most affordable auto insurance for teens.

Cheapest Car Insurance in Little Rock for Military Drivers

On average, the least expensive full coverage policy for active or retired military members and their families in Little Rock is with the following car insurance companies:

  • USAA: $595 per year
  • Hanover: $773 per year

If you choose minimum coverage, USAA is also the cheapest auto insurance company for those with a military background at around $243 per year, and Hanover is the second cheapest at roughly $294 per year.

Company
Annual Premium
Monthly Premium

USAA

$243

$20

USAA

$249

$21

Hanover

$273

$23

USAA

$287

$24

Hanover

$294

$24

State Farm

$321

$27

State Farm

$341

$28

Southern Farm Bureau

$343

$29

Louisiana Farm Bureau

$343

$29

South Carolina Farm Bureau

$343

$29

Hanover

$373

$31

South Carolina Farm Bureau

$386

$32

Louisiana Farm Bureau

$386

$32

Southern Farm Bureau

$386

$32

State Farm

$415

$35

GEICO

$427

$36

Auto-Owners Insurance Co

$434

$36

Progressive

$437

$36

Progressive

$443

$37

Auto-Owners Insurance Co

$445

$37

Nationwide

$449

$37

GEICO

$450

$37

Nationwide

$468

$39

Louisiana Farm Bureau

$477

$40

Southern Farm Bureau

$477

$40

South Carolina Farm Bureau

$477

$40

Farmers

$482

$40

GEICO

$499

$42

Farmers

$505

$42

Travelers

$511

$43

AAA

$532

$44

Progressive

$534

$44

Travelers

$545

$45

AAA

$579

$48

USAA

$580

$48

Travelers

$581

$48

USAA

$595

$50

Farmers

$598

$50

Alfa

$608

$51

Nationwide

$608

$51

Allstate

$609

$51

Shelter

$609

$51

Allstate

$617

$51

Auto-Owners Insurance Co

$628

$52

Alfa

$654

$54

Allstate

$666

$55

Hanover

$671

$56

State Farm

$715

$60

USAA

$719

$60

AAA

$723

$60

South Carolina Farm Bureau

$727

$61

Louisiana Farm Bureau

$727

$61

Southern Farm Bureau

$727

$61

Hanover

$773

$64

State Farm

$782

$65

Shelter

$803

$67

Auto-Owners Insurance Co

$814

$68

Southern Farm Bureau

$818

$68

Louisiana Farm Bureau

$818

$68

South Carolina Farm Bureau

$818

$68

GEICO

$837

$70

Alfa

$842

$70

Auto-Owners Insurance Co

$848

$71

GEICO

$881

$73

Nationwide

$886

$74

Farmers

$895

$75

Home State Ins Group

$907

$76

Hanover

$907

$76

Farmers

$940

$78

Home State Ins Group

$970

$81

Nationwide

$975

$81

Travelers

$976

$81

Travelers

$987

$82

Louisiana Farm Bureau

$1,001

$83

Southern Farm Bureau

$1,001

$83

South Carolina Farm Bureau

$1,001

$83

State Farm

$1,002

$83

GEICO

$1,049

$87

Allstate

$1,056

$88

Shelter

$1,056

$88

Allstate

$1,125

$94

AAA

$1,127

$94

Allstate

$1,137

$95

Farmers

$1,139

$95

Home State Ins Group

$1,142

$95

Travelers

$1,160

$97

Nationwide

$1,215

$101

Auto-Owners Insurance Co

$1,223

$102

Shelter

$1,231

$103

AAA

$1,239

$103

Progressive

$1,310

$109

Progressive

$1,367

$114

Shelter

$1,389

$116

Dairyland

$1,415

$118

Dairyland

$1,432

$119

Alfa

$1,465

$122

Alfa

$1,489

$124

AAA

$1,538

$128

Dairyland

$1,705

$142

Progressive

$1,711

$143

Alfa

$2,047

$171

Shelter

$2,104

$175

Home State Ins Group

$2,230

$186

Home State Ins Group

$2,303

$192

Dairyland

$2,543

$212

Home State Ins Group

$2,718

$227

Dairyland

$2,733

$228

Dairyland

$3,325

$277

How to Compare Cheap Little Rock Car Insurance Quotes Online

The process of comparing car insurance quotes in Little Rock online can be tedious. Because of the amount of personal information you have to submit, it can take 15 minutes or more to get a quote from a single company.

MoneyGeek’s car insurance calculator can help ease this process by estimating your rate with multiple insurers based on just your age, coverage level, vehicle type and driving record.

Auto Insurance Calculator

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USAA

Best Car Insurance in Little Rock: Summary

The best car insurance for you depends on how much you value cost, service quality and other factors. Consider these providers in Little Rock depending on your specific needs:

  • Best overall: Auto-Owners Insurance Co (MoneyGeek score of 80 out of 100)
  • Best for service: Shelter (MoneyGeek score of 68 out of 100)
  • Best cheap: Auto-Owners Insurance Co (MoneyGeek score of 79 out of 100)

An auto insurer’s overall MoneyGeek score may change for different categories depending on how factors were weighted.

Auto-Owners Insurance Co is also the best car insurance company in Arkansas. If you come from a military background, your best option may be USAA, which earned a MoneyGeek score of 85 out of 100.

Best Overall Car Insurance in Little Rock

Overall, the best auto insurance companies in Little Rock that combine affordability and service quality are:

  • Auto-Owners Insurance Co: MoneyGeek score of 80 out of 100 ($848 per year)
  • Hanover: MoneyGeek score of 76 out of 100 ($773 per year)

Auto-Owners Insurance Co scored highly in affordability and has above-average customer service, which are both important factors when choosing a car insurance company since you want a good price and attentive service should a claim arise.

For those with a military background, USAA is the best option for car insurance, earning a MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

Auto-Owners Insurance

pros

Affordable rate for a full coverage policy

Above-average customer satisfaction

Has diminished value coverage, an add-on coverage rarely offered by insurers

cons

Lacks original equipment manufacturer (OEM) coverage

COMPANY HIGHLIGHTS

We selected Auto-Owners Insurance Co as the best overall car insurance company in Little Rock. It offers a competitive rate for its full coverage policy, which you can supplement with valuable optional coverages.

Among the add-on coverage options available with Auto-Owners is diminished value coverage. This unique coverage is useful in the event you get in an accident, ensuring that you will be compensated for a reduction in your vehicle’s value.

Auto-Owners also offers common coverages such as accident forgiveness and gap insurance. With accident forgiveness, you won’t have to worry about a premium increase after your first at-fault accident. By adding gap insurance to your policy, Auto-Owners will cover the difference between the value of your vehicle and the amount you owe on your lease or loan if your car is totaled.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Best Car Insurance in Little Rock for Customer Service

Excluding cost from our scoring system, we found that the following are the best car insurance companies in Little Rock for customer service:

  • Shelter: MoneyGeek score of 68 out of 100 ($1,389 per year)
  • Auto-Owners Insurance Co: MoneyGeek score of 66 out of 100 ($848 per year)

Shelter combines excellent customer satisfaction with various coverage options. Although it provides quality service, its average rate is significantly higher than the runner-up and most competitors.

How was this MoneyGeek score calculated?

Shelter

pros

Excellent customer service

Variety of add-on coverage options, including gap insurance and new car replacement

cons

Below-average auto claims process

COMPANY HIGHLIGHTS

According to our analysis of J.D. Power’s customer satisfaction study and the National Association of Insurance Commissioners (NAIC) customer complaint index, Shelter is the best car insurance company in Little Rock for customer service. Additionally, it offers a variety of optional coverages that may benefit different types of drivers.

For instance, Shelter’s gap insurance helps pay the difference between the value of your vehicle and the amount you still owe on the car if it is totaled. Shelter also includes new car replacement in its auto policies. That replaces your car with a brand new one of the same year, make and model. However, your car must have been bought within the last year and have fewer than 15,000 miles on the odometer to be eligible for this coverage.

Read MoneyGeek's Shelter Auto Insurance Review

Best Cheap Car Insurance in Little Rock

In Little Rock, the following are the best car insurance companies for a policy that only meets the minimum coverage requirements in Arkansas when considering cost and service quality:

  • Auto-Owners Insurance Co: MoneyGeek score of 79 out of 100 ($434 per year)
  • Hanover: MoneyGeek score of 78 out of 100 ($294 per year)

Minimum coverage policies in Little Rock often have the cheapest rates, but they provide little protection against liability costs and no coverage for damages to your car in case of an at-fault accident.

How was this MoneyGeek score calculated?

Auto-Owners Insurance

pros

An affordable minimum coverage policy at around $434 per year

Discounts for bundling, paying in full and responsible payment

Strong affordability and customer service scores

cons

No defensive driving discount

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co scores well in affordability, customer satisfaction, claims management and coverages. That means you can enjoy an inexpensive policy, good customer service and various add-on coverage options with this insurer.

Additionally, Auto-Owners has plenty of discounts to make your policy even more affordable. These include bundling policies, insuring multiple cars, being a safe driver, going paperless or paying your annual premium in full. You can also save by having safety features in your vehicle like airbags, an anti-theft system or anti-lock brakes.

Auto-Owners also has unique discounts. For instance, you may get a discount if you paid your premium on time in the last 36 months. You may also receive a discount if you are a new applicant and you request a quote prior to the effective date of the policy.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Average Cost of Car Insurance in Little Rock

In Little Rock, the average cost of car insurance is $1,128 per year (as of October 2022). That is around $135 more expensive than the average cost of car insurance in Arkansas and roughly $137 lower than the national average of $1,265 per year. These rates are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

Car insurance rates in Little Rock are more expensive than those for the state as a whole. Nonetheless, your geographical location is just one of many factors affecting how much you pay for coverage.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.