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.
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.
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.
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.
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.
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.
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
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Average Annual Auto Insurance Rates
Click the section of the wheel in your price range to see options.
Click an insurer below to visit their review page or continue to your personalized quote.
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?
Affordable rate for a full coverage policy
Above-average customer satisfaction
Has diminished value coverage, an add-on coverage rarely offered by insurers
Lacks original equipment manufacturer (OEM) coverage
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.
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?
Excellent customer service
Variety of add-on coverage options, including gap insurance and new car replacement
Below-average auto claims process
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.
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?
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
No defensive driving discount
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.
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