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Get Cheap Car Insurance in Little Rock, AR

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

 

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The Cheapest Minimum Coverage in Little Rock

The chart below shows the cheapest car insurance company in Little Rock 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 Rock Insurer Monthly Cost
Safeco Insurance $56
Farm Bureau $58
Geico $59
Jupiter $61

Savings for Every Kind of Little Rock Driver

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

Based on our extensive insurance data, we know the average Little Rock 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 $343 per year by choosing the right vehicle insurance company. Some Little Rock residents are paying out over $1,733 extra every year for auto insurance in Little Rock. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Little Rock, AR Savings / Yr.
Drivers with good records
$343
Drivers with accidents
$608
Drivers with speeding tickets
$489
Drivers with a DUI conviction
$753
Young drivers
$1,945
Married drivers
$345
Drivers with bad credit
$483

Little Rock Car Insurance vs. Arkansas

People living in Little Rock pay an average of 2.97% more than the typical driver in the state. The average driver in Little Rock can expect to pay about $938 per year, or $1,733 for full coverage.

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

Car Insurance Prices by Little Rock Neighborhood

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

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Little Rock?

The map shows insurance prices in and around Little Rock, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $479 per year within the city boundaries, with insurance premiums ranging from a high of $2,082 to a low of $1,603. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of Little Rock.

Pick the Best Car Insurance Company for You in Little Rock

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 Rock insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Little Rock

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $343 over the average Little Rock car insurance company.

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We use the average good driver, paying $116 per month, as our baseline for pricing in Little Rock. 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 Rock drivers with accidents on their records

In Little Rock getting into an accident will raise premiums an average 37% for a yearly cost of $2,732. That's $999 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 $608 over the competition.

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

>Geico gave the average person with a speeding ticket the most savings, averaging $489 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 Rock, tickets raise premiums on new quotes about $554. If you have a speeding ticket, we recommend Geico, Gainsco, and Farm Bureau for savings that beat the average insurance cost of $2,287 per year.

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

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,888 per year in auto insurance premiums, which was $1,155 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 $753 less each year.

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

In Little Rock, Farm Bureau costs young drivers $1,945 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 Rock. With an average cost of $5,894 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 Rock

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $194. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Little Rock.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $345 saved each year compared to an average Little Rock couple's premiums.

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

People with poor credit saved an average of $483 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $990 every year. Premiums for people with poor credit were about $2,723 in Little Rock. 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 Rock car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Little Rock, 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 Rock.

Nationwide was the best company for customer service in Little Rock 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 Rock, 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 Rock. 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 Rock

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 34% of Little Rock 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 Rock 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 Rock, 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.
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Auto Insurance Prices in and Around Little Rock

What Influences the Cost of Car Insurance in Little Rock?

On average, car insurance in Little Rock is more expensive than the rest of the state. These high 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 the Little Rock area is 28 minutes, which is a little 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 the Little Rock area are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
  • Little Rock is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Little Rock is $78 per month for minimum coverage and $144 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

Cities with Similar Populations

* Who is the average Little Rock driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Little Rock 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.