Auto insurance costs vary depending on various factors, so getting a quote based on your location and driving record can help you find the best rates. Each location has different minimum liability requirements, crime and accident rates, and number of drivers, so prices can vary from one region in the same city to the next. The best way to find the most accurate price, suitable to your needs, is to compare personalized car insurance quotes in Little Rock.
Compare the Cheapest Car Insurance Quotes in Little Rock, AR
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Average Cost of Car Insurance in Little Rock
Little Rock$1,189
Arkansas$1,189
U.S.$1,424
Annual premiums for car insurance can differ by hundreds or thousands of dollars. Knowing the average car insurance rate in Little Rock can help you weigh your options well and find the right carrier for your budget. The average cost of an auto insurance policy in the city is $1,189, similar to the state average annual premium. In comparison, Little Rock’s rates are lower than the national average. Little Rock drivers pay about 16.5% less than the $1,424 average rate in the country.
Compare Car Insurance Rates in Little Rock
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Cheap Car Insurance Companies in Little Rock
Shopping around and comparing quotes from various insurance companies can help you find cheap car insurance in Little Rock. In terms of affordability, USAA has the cheapest average annual premium of $663. However, only military members, veterans and their families qualify for USAA policies. The second most affordable choice is Southern Farm Bureau, with an average annual premium of $843. It is about $346 less than the city average.
Following USAA and Southern Farm Bureau on the top five most affordable car insurance companies in Little Rock are GEICO, Farmers and State Farm. The most expensive company in the city is MetLife. The average annual premium for a MetLife policy is $1,918, which is about $729 more than the city average and more than twice the cost of a Southern Farm Bureau policy.
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- CompanyAmountper year
- 1. USAA$663
- 2. Southern Farm Bureau$843
- 3. GEICO$866
- 4. Farmers$924
- 5. State Farm$1,012
Personalized Quotes to Get You the Cheapest Car Insurance in Little Rock
Car insurance quotes in Little Rock also vary depending on individualized factors. Insurance providers evaluate the risks associated with a specific driver. These can be determined by your age, gender, driving history and experience, ZIP code, credit history and vehicle. For instance, in Little Rock, teen drivers tend to get higher premiums compared to middle-aged drivers.
A Southern Farm Bureau policy for a 40-year-old male averages around $843. An 18-year-old male could pay more than twice that amount — on average, $1,775 per year. Your circumstances may change as time goes by. Regularly getting personalized quotes can help you find the right provider with the best rate. Doing so can also help you see if you qualify for certain discounts, rebates or savings.
Compare Car Insurance Rates in Little Rock
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Little Rock by Coverage Amount
How much car insurance coverage you purchase in Little Rock also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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Arkansas Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Each type of insurance policy reflects the limits and levels of coverage. For basic protection, a minimum liability coverage plan will typically do. Among the car insurance companies in Little Rock, USAA offers the cheapest average annual premium of $304 for minimum liability coverage. Southern Farm Bureau comes in second with an average cost of $394 per year.
If you think this coverage is not enough, you can choose either a 50/100/50 liability-only or full-coverage policy. Compare the costs. If the difference is small, then it may be better to go for full coverage. For instance, Travelers’ liability-only policy costs $959 annually on average. Its full-coverage plan is about $285 higher, which means you pay an average of $1,243 per year.
You can also get a comprehensive policy that provides more protection for you and your vehicle. Insurance providers in the city offer 100/300/100 full coverage. Average rates for this coverage in the city level range from $663 to $1,918.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$304$345
- 2. Southern Farm Bureau$394$455
- 3. GEICO$373$443
- 4. Farmers$502$549
- 5. Nationwide$483$523
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$605$663
- 2. Southern Farm Bureau$783$843
- 3. GEICO$795$866
- 4. Farmers$865$924
- 5. Nationwide$993$1,018
Compare Car Insurance Rates in Little Rock
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Little Rock if You Have Tickets
One way of maintaining cheap car insurance in Little Rock is by keeping a clean driving record. Having moving violations like speeding tickets, DUIs and at-fault accidents could lead to higher premiums. For example, if you have no citations in your record, you can get a MetLife policy for an average premium of $1,918 per year. However, a speeding ticket could increase that rate to an average of $3,227 per year. An at-fault accident could make it rise to an average of $3,517 with the same carrier. If you have a DUI and a MetLife policy, the cost could increase to an average of $5,082, which is almost three times the amount of a policy for a driver with a clean record.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. USAA$780$953$1,214
- 2. Southern Farm Bureau$914$1,075$1,010
- 3. State Farm$1,104$1,195$1,104
- 4. Farmers$1,170$1,323$1,283
- 5. Allstate$1,281$1,505$1,460
Average Cost of Car Insurance by Postal Code
Your place of residency in also has an impact on your auto insurance premium. Each ZIP code has a different average car insurance rate in Little Rock. Drivers with ZIP code 72206 pay an average annual premium of $1,182. Meanwhile, neighborhoods in the ZIP code 72204 have higher average premiums per year for car insurance. Drivers in this area may pay $17 more on average a year on car insurance than those living in the 72206 ZIP code. Although auto insurance rates may differ among ZIP codes, these rates in Little Rock are minimal — ranging from $4 to $17 on average per year.
- Zip CodeState Minimumper year
- 72206$1,182
- 72209$1,186
- 72204$1,199
Insurance Providers That Serve Little Rock
Factors That Impact Insurance Costs in Little Rock
In addition to individual driver needs and history, location-specific factors like the rate of fatal accidents and the percentage of uninsured motorists also contribute to car insurance rates in Little Rock. How Little Rock ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Shopping around for car insurance in Little Rock could save you $346, which is enough to buy:
115Cups of Coffee
27Months of Your Favorite Streaming Service
Methodology and Assumptions
MoneyGeek’s average premium rates for Little Rock are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
Compare Car Insurance Rates in Little Rock
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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