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Get Cheap Car Insurance in Stephens, Little Rock, AR

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

 

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The Cheapest Minimum Coverage in Stephens

The chart below shows the cheapest car insurance company in Stephens 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.

 
Stephens Insurer Monthly Cost
Safeco Insurance $63
Farm Bureau $65
Geico $67
Jupiter $69

Savings for Every Kind of Stephens Driver

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

Based on our extensive insurance data, we know the average Stephens 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 $386 per year by choosing the right vehicle insurance company. Some Stephens residents are paying out over $1,949 extra every year for auto insurance in Stephens. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Stephens, Little Rock, AR Savings / Yr.
Drivers with good records
$386
Drivers with accidents
$683
Drivers with speeding tickets
$550
Drivers with a DUI conviction
$847
Young drivers
$2,188
Married drivers
$388
Drivers with bad credit
$543

Stephens Car Insurance vs. Little Rock

People living in Stephens pay an average of 15.83% more than the typical driver in the state. The average driver in Stephens can expect to pay about $1,055 per year, or $1,949 for full coverage.

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

Car Insurance Prices by Stephens Neighborhood

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

Insurance Prices

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Average
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Where is insurance cheapest within Stephens?

The map shows insurance prices in and around Stephens, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $292 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,005 to a low of $1,713. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Northwest parts of Stephens.

Pick the Best Car Insurance Company for You in Stephens

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

The best car insurance provider for most drivers in Stephens

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $386 over the average Stephens car insurance company.

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We use the average good driver, paying $130 per month, as our baseline for pricing in Stephens. 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 Stephens drivers with accidents on their records

In Stephens getting into an accident will raise premiums an average 37% for a yearly cost of $3,073. That's $1,124 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 $683 over the competition.

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The best car insurance company for Stephens drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $550 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 Stephens, tickets raise premiums on new quotes about $623. If you have a speeding ticket, we recommend Geico, Gainsco, and Farm Bureau for savings that beat the average insurance cost of $2,573 per year.

The best auto insurance for Stephens drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,249 per year in auto insurance premiums, which was $1,300 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 $847 less each year.

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

In Stephens, Farm Bureau costs young drivers $2,188 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 Stephens. With an average cost of $6,630 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 Stephens

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $218. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Stephens.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $388 saved each year compared to an average Stephens couple's premiums.

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The cheapest car insurance in Stephens for drivers with bad credit

People with poor credit saved an average of $543 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,113 every year. Premiums for people with poor credit were about $3,063 in Stephens. 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 Stephens car insurance company for customer service

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

Nationwide was the best company for customer service in Stephens 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 Stephens, 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 Stephens. 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 Stephens

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 54% of Stephens residents who are renting, and don't plan to be in the neighborhood or city 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 Stephens 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 Stephens, 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 Stephens

What Influences the Cost of Car Insurance in Stephens?

On average, car insurance in Stephens 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 neighborhood are influenced by the following factors:

  • The average commute time in Stephens is 25 minutes, which is far more than average for a driver in the city.
  • 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 Stephens are among the lowest 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 B- according to CrimeGrade.org.
  • Stephens is one of the most densely populated areas in the state. The neighborhood’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 Stephens is $88 per month for minimum coverage and $162 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 Neighborhoods

Neighborhoods with Similar Populations

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