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Get Cheap Car Insurance in Little Flock, AR

We monitor insurance prices, helping the average driver in Little Flock save up to 33.0% on car insurance.

 

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The Cheapest Minimum Coverage in Little Flock

The chart below shows the cheapest car insurance company in Little Flock for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safeco Insurance, followed by Farm Bureau, Geico, and Jupiter.

 
Little Flock Insurer Monthly Cost
Safeco Insurance $52
Farm Bureau $54
Geico $55
Jupiter $57

Savings for Every Kind of Little Flock Driver

The table shows how much the average auto insurance customer in Little Flock might save by following our recommendations.

Based on our extensive insurance data, we know the average Little Flock driver will save about 20% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $319 per year by choosing the right vehicle insurance company. Some Little Flock residents are paying out over $1,613 extra every year for auto insurance in Little Flock. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Little Flock Car Insurance vs. Arkansas

People living in Little Flock pay an average of 4.15% less than the typical driver in the state. The average driver in Little Flock can expect to pay about $873 per year, or $1,613 for full coverage.

Based on our analysis, Travelers will be the cheapest provider in Little Flock for most people.

Car Insurance Prices by Little Flock Neighborhood

Little Flock, AR map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Little Flock?

The map shows insurance prices in and around Little Flock, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $39 per year within the city boundaries, with insurance premiums ranging from a high of $1,628 to a low of $1,589. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of Little Flock.

Pick the Best Car Insurance Company for You in Little Flock

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Little Flock insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Little Flock

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $319 over the average Little Flock car insurance company.

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We use the average good driver, paying $108 per month, as our baseline for pricing in Little Flock. State Farm, Travelers, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Little Flock drivers with accidents on their records

In Little Flock getting into an accident will raise premiums an average 37% for a yearly cost of $2,543. That's $930 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Gainsco, and Safeco Insurance are good choices for drivers with accidents.

In our analysis, Gainsco saved the average person who had been in an accident the most, with annual savings averaging $565 over the competition.

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The best car insurance company for Little Flock drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $455 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Little Flock, tickets raise premiums on new quotes about $516. If you have a speeding ticket, we recommend Geico, Gainsco, and Farm Bureau for savings that beat the average insurance cost of $2,129 per year.

The best auto insurance for Little Flock drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,688 per year in auto insurance premiums, which was $1,075 more than a driver with no major issues. Progressive, Farm Bureau, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Farm Bureau may cost the average person with a DUI about $701 less each year.

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The least expensive car insurance company for new and young drivers in Little Flock

In Little Flock, Farm Bureau costs young drivers $1,811 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Little Flock. With an average cost of $5,486 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Travelers, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Little Flock

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $180. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Little Flock.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $321 saved each year compared to an average Little Flock couple's premiums.

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The cheapest car insurance in Little Flock for drivers with bad credit

People with poor credit saved an average of $450 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $921 every year. Premiums for people with poor credit were about $2,534 in Little Flock. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Dairyland, and Farm Bureau.

The best Little Flock car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Little Flock, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Shelter Insurance as the best provider in Little Flock.

Nationwide was the best company for customer service in Little Flock according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Little Flock, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Little Flock. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Little Flock

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 40% of Little Flock residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Little Flock driver can expect to pay about $113 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Little Flock, USAA has the best prices for drivers with speeding tickets, married couples, drivers with bad credit, drivers with accidents, good drivers, drivers with a DUI conviction, and young drivers.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Little Flock

What Influences the Cost of Car Insurance in Little Flock?

On average, car insurance in Little Flock is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Little Flock is 21 minutes, which is far less than average for a driver in the state.
  • Arkansas state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Little Flock are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
  • Little Flock is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Little Flock is $73 per month for minimum coverage and $134 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

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* Who is the average Little Flock driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Little Flock with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.