Best Cheap Auto Insurance in Little Rock, Arkansas (2025)
State Farm offers the cheapest car insurance in Little Rock, with minimum-coverage policies as low as $58 per month.
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Courtney MikulskiSenior Editor, Auto
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Table of contents
Little Rock is the capital of Arkansas and the most populous city in the state. Therefore, it’s no surprise that its car insurance rates are higher than in the rest of Arkansas. The average monthly cost of a liability-only policy in Little Rock is $206, while a full-coverage policy is $309 per month.
Even though premiums are more expensive in Little Rock, cheap car insurance is still available. Here’s what you need to know about finding an affordable auto policy in Little Rock.
Quick Facts
Car insurance rates in Little Rock are more expensive than in cities like Conway and Fayetteville.
Because Arkansas follows modified comparative negligence standards, you can’t recover damages if you’re 50% or more at fault for a car accident.[1]
Arkansas requires insurers to offer a college graduate discount and defensive driver discount to qualifying drivers in the state.[2]
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Best car insurance companies in Little Rock
When shopping for a car insurer, consider factors like your budget, coverage level choices, and driving record. Start your search for coverage with Insurify’s picks for the best car insurance companies in Little Rock.
Best insurer for full coverage: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $96/mo |
4.1
Best choiceBased on 11,365 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,074)
Thomas
Verified Review
Car insurance rip-off!
Reviewed in New Jersey on July 2025
My family has been driving for over 70 years. Dad has had 1 accident, Mom no accidents, me 2 accidents not my fault, and my son no accidents. No accident claims with State Farm, which we have had for over 20 years, but rates keep going up. We bundle 2 vehicles and homeowners, but can't find a company that will reduce our monthly premium.
Shawn
Verified Review
I like State Farm overall but I do not like their rates and their customer service
Reviewed in Oregon on July 2025
The agent is not attentive.
Christine
Verified Review
It's Real and Affordable!
Reviewed in West Virginia on July 2025
State Farm is great! Prices! What you need! Understanding and will help you save! Customer service is awesome!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm has offered car insurance for more than 100 years. It provides various standard and non-standard insurance coverages and potentially lower-than-average premiums through a variety of discounts. Plus, State Farm earned an above-average J.D. Power customer satisfaction rating in the Central region in 2023.
Pros
Strong financial strength ratings
Rental car and travel expenses coverage
Cons
Gap insurance not available
Can’t purchase a policy online
Best insurer for discounts: Progressive
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $84/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $146/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (6,972)
Duane
Verified Review
Good
Reviewed in Texas on July 2025
Great service with a very high price tag!
Frank
Verified Review
Well, it is what it is.
Reviewed in Minnesota on July 2025
Don't believe everything you hear about these guys. They have no rebate options. Their prices seem to be good at first, then boom, you're going to have to sell a kidney to afford these prices.
Janelle
Verified Review
Very professional
Reviewed in Florida on July 2025
Fast and effective.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Progressive has been around since 1937. It offers a number of basic car insurance coverages, as well as optional coverages like personal injury protection (PIP) and uninsured motorist coverage. Despite its lower-than-average J.D. Power customer satisfaction rating, it offers plenty of discounts for drivers.
Pros
Many advertised discounts
Snapshot telematics program rewards safe driving
Cons
No anti-theft device discount advertised
Below-average J.D. Power customer satisfaction rating
Best insurer for high-risk drivers: Bristol West
| User Reviews | 3.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $167/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $433/mo |
3.1
A solid optionBased on 413 verified guest reviews and ratings
How drivers feel about Bristol West
Customers appreciate the company’s helpful customer service and ease of online policy access. But they dislike the high and often increasing premiums, and some report difficulties with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Drivers who've had a lapse in coverage
Rideshare coverage
How drivers feel about Bristol West
Customers appreciate the company’s helpful customer service and ease of online policy access. But they dislike the high and often increasing premiums, and some report difficulties with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Drivers who've had a lapse in coverage
Rideshare coverage
Reviews (171)
Glen
Verified Review
Disappointed Clients
Reviewed in Montana on July 2025
They started out good but suddenly decided to raise their rates. I was paying $70.00 a month, then it went up to $94.00. That is why I am looking for another company.
Beverley
Verified Review
I was very satisfied purchasing my insurance. However, I kept receiving text messages about quotes afterward.
Reviewed in Colorado on July 2025
I was very satisfied purchasing my insurance. However, I kept receiving text messages about quotes afterward.
Elizabeth
Verified Review
Don't Choose Freeway as a Broker for Bristol West!
Reviewed in California on July 2025
Overpriced! Continues to add charges monthly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.16A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Bristol West began in 1973 as a private passenger-car insurance agency in Florida. Since then, it has expanded to states like Arkansas and offers several products and policies for high-risk drivers.
Pros
Caters to high-risk drivers
Can file an SR-22 on your behalf
Cons
Limited advertised discounts
Higher average premium costs than competitors
Cheapest liability-only car insurance in Little Rock
Arkansas law requires drivers to purchase and maintain liability car insurance. A liability-only policy covers the other driver’s property damage and injury costs from an at-fault accident. Because liability-only insurance meets the state-minimum requirements and has no additional coverage, it’s typically the cheapest car insurance you can buy.
Here’s a look at the cheapest quotes for liability-only auto policies, on average, in Little Rock.
The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT.
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $58 |
| USAA | $70 |
| Progressive | $84 |
| Root | $90 |
| GEICO | $92 |
| Auto-Owners | $97 |
| GAINSCO | $108 |
| Safeco | $108 |
| Direct Auto | $121 |
| National General | $125 |
| Shelter | $126 |
| Allstate | $127 |
| Farmers | $128 |
| Nationwide | $128 |
| Dairyland | $132 |
| Travelers | $135 |
| The General | $145 |
| Bristol West | $167 |
| Liberty Mutual | $210 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Little Rock
Full-coverage car insurance is optional in Little Rock and usually includes liability, collision, and comprehensive insurance. But if you have a loan or lease on your vehicle, your lender may require it. It offers additional protection for vehicle damages, including for accidents you cause.
The table below shows the cheapest full-coverage car insurance rates in Little Rock.
The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $96 |
| USAA | $116 |
| Progressive | $146 |
| GEICO | $146 |
| Auto-Owners | $162 |
| Root | $173 |
| National General | $200 |
| Safeco | $207 |
| Shelter | $210 |
| Allstate | $212 |
| Farmers | $215 |
| Nationwide | $215 |
| Travelers | $225 |
| Direct Auto | $234 |
| GAINSCO | $253 |
| The General | $302 |
| Dairyland | $333 |
| Liberty Mutual | $362 |
| Bristol West | $433 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Little Rock, Arkansas
Drivers in and around Little Rock, Arkansas have found policies from Trexis One, Direct Auto, Trexis, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Little Rock, Arkansas within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Little Rock, Arkansas within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Arkansas
Arkansas is an at-fault — or tort — state, which means the at-fault driver must pay for the damage and injuries they cause to drivers or passengers in another vehicle. But the state’s car insurance laws are unique in that modified comparative negligence standards apply. This means you can only collect damages from the other driver if you’re less than 50% at fault.[1]
The state mandates that drivers carry bodily injury liability coverage and property damage liability coverage, but they can purchase other coverage for extra protection. Drivers who fail to show proof of insurance may face legal and financial consequences.
Here are the minimum insurance requirements in Arkansas:[2]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $25,000 per accident |
Coverage beyond Arkansas’ minimum liability requirements is optional for drivers in Little Rock but can offer additional protection in certain situations. Here are some optional car insurance policies you might want to explore:
Comprehensive coverage
Comprehensive insurance protects you from non-accident-related incidents that damage your vehicle, like theft, fires, and hitting an animal.
Collision coverage
If your car requires repairs or a replacement after an accident with another vehicle or object, such as a tree or fence, collision coverage will kick in, regardless of fault.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage will protect you from financial losses if someone without insurance or enough insurance causes an accident.
Personal injury protection (PIP) coverage
Also known as no-fault insurance, personal injury protection helps cover medical bills, lost wages, and funeral costs, no matter who caused the accident.
Gap coverage
If you took out a car loan, gap insurance can cover the difference between your loan balance and your insurance settlement after a total loss.
)
Learn More: How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
A few examples of incidents that can increase your car insurance premiums are at-fault accidents, speeding tickets, and driving under the influence (DUI) convictions. Little Rock drivers with clean records usually land the most affordable rates because car insurers view them as less risky.
Auto insurance companies often charge the highest rates to high-risk drivers in order to offset the potential loss in claims. To land the best possible deal on a policy, you should always drive safely and prevent these incidents. Here’s an overview of the average cost of car insurance in Little Rock, based on driving history.
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Cheapest car insurance for drivers with a speeding ticket
Speeding can cause you to lose control of your vehicle and impair your ability to drive safely, according to the National Safety Council.[3] That’s why Little Rock drivers with speeding tickets often face higher rates.
Here’s a look at the cheapest car insurance companies in Little Rock for drivers with a speeding ticket on their records.
The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $117 | $71 |
| USAA | $143 | $86 |
| Progressive | $183 | $105 |
| GEICO | $185 | $117 |
| Auto-Owners | $201 | $121 |
| Root | $224 | $117 |
| National General | $246 | $154 |
| Allstate | $261 | $156 |
| Safeco | $263 | $137 |
| Farmers | $266 | $158 |
| Nationwide | $267 | $159 |
| Shelter | $270 | $162 |
| Travelers | $280 | $168 |
| Direct Auto | $291 | $150 |
| GAINSCO | $299 | $128 |
| The General | $394 | $189 |
| Dairyland | $412 | $163 |
| Liberty Mutual | $454 | $263 |
| Bristol West | $541 | $208 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
If you cause a car accident, car insurers will perceive you as a greater risk on the road and likely charge you higher premiums as a result. How much your rates increase depends on the severity of the accident and the value of the claim.[4]
The table below shows the cheapest monthly quotes for Little Rock drivers with an at-fault accident on their records.
The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $120 | $72 |
| USAA | $146 | $88 |
| GEICO | $173 | $109 |
| Progressive | $184 | $106 |
| Auto-Owners | $203 | $121 |
| Root | $215 | $112 |
| National General | $251 | $157 |
| Shelter | $263 | $158 |
| Allstate | $266 | $159 |
| Farmers | $272 | $162 |
| Nationwide | $272 | $162 |
| Safeco | $276 | $144 |
| Travelers | $285 | $171 |
| Direct Auto | $304 | $157 |
| GAINSCO | $311 | $133 |
| The General | $398 | $191 |
| Dairyland | $422 | $167 |
| Liberty Mutual | $463 | $269 |
| Bristol West | $549 | $212 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
Arkansas reported more than 6,500 DUI arrests in 2019.[5] The state takes DUIs very seriously and imposes consequences like fines and jail time. A DUI can also lead to higher auto insurance premiums and warrant the need for an SR-22 insurance form if you caused a fatal accident.
The table below shows the cheapest car insurance companies for drivers with a DUI in Little Rock.
The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $150 | $91 |
| USAA | $182 | $110 |
| GEICO | $229 | $144 |
| Progressive | $235 | $135 |
| Auto-Owners | $254 | $152 |
| Root | $271 | $141 |
| National General | $313 | $196 |
| Shelter | $329 | $197 |
| Safeco | $330 | $172 |
| Allstate | $332 | $199 |
| Farmers | $337 | $200 |
| Nationwide | $337 | $200 |
| Travelers | $352 | $211 |
| Direct Auto | $366 | $189 |
| GAINSCO | $396 | $169 |
| The General | $473 | $227 |
| Dairyland | $522 | $207 |
| Liberty Mutual | $567 | $329 |
| Bristol West | $678 | $262 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Because senior drivers are more likely to cause an accident than middle-aged drivers, car insurance companies charge them more expensive premiums. Average rates tend to go down around age 35 and pick back up a bit again around age 75, but seniors still typically have lower-than-average rates.[6]
Here are the cheapest car insurance companies for senior drivers in Little Rock.
The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $57 | $34 |
| USAA | $77 | $46 |
| GEICO | $89 | $56 |
| Auto-Owners | $100 | $60 |
| Shelter | $107 | $64 |
| Progressive | $109 | $63 |
| Nationwide | $122 | $73 |
| Root | $122 | $63 |
| National General | $122 | $76 |
| Farmers | $131 | $78 |
| Allstate | $138 | $83 |
| Travelers | $142 | $85 |
| Direct Auto | $148 | $76 |
| Safeco | $158 | $82 |
| GAINSCO | $188 | $80 |
| The General | $202 | $97 |
| Dairyland | $228 | $90 |
| Liberty Mutual | $249 | $144 |
| Bristol West | $294 | $113 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Compared to older drivers, teen drivers have less experience behind the wheel and usually face higher car insurance costs as a result. Fortunately, they can save on a policy if they stay on their parents’ insurance, complete a defensive driving course, and take advantage of good student discounts.
The table below shows the average monthly car insurance quotes for teens and young drivers in Little Rock.
The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $182 | $110 |
| USAA | $212 | $128 |
| GEICO | $261 | $165 |
| Progressive | $270 | $155 |
| Auto-Owners | $298 | $178 |
| Root | $303 | $158 |
| National General | $406 | $254 |
| Farmers | $409 | $244 |
| Nationwide | $416 | $247 |
| Allstate | $416 | $249 |
| Shelter | $418 | $251 |
| Safeco | $425 | $222 |
| Travelers | $446 | $268 |
| Direct Auto | $460 | $238 |
| GAINSCO | $473 | $202 |
| The General | $519 | $249 |
| Dairyland | $555 | $220 |
| Liberty Mutual | $655 | $380 |
| Bristol West | $777 | $300 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get the cheapest car insurance in Little Rock
To land a great deal on car insurance in Little Rock, you’ll need to shop around and explore your options at different companies. Here are several additional tips that might help you find the lowest rates for your unique situation:
Look for discounts. Most car insurance companies offer various discounts that can lower your car insurance costs. You can call a local agent to ask about discounts like a loyalty discount, good student discount, and anti-theft device discount.
Bundle insurance. If you combine your auto insurance with homeowners insurance, renters insurance, or even life insurance, you may secure a discount on your monthly premiums.
Take a defensive driving course. Some car insurers offer discounts to drivers who complete an approved defensive driving course. You may take it online in many cases and enjoy a lower rate.
Drive safely. A driving record with violations like speeding tickets and DUIs can increase your car insurance rates. Do your best to drive responsibly and maintain a clean driving record.
Compare Car Insurance Quotes in Little Rock
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Little Rock car insurance quotes by credit tier
Arkansas allows car insurance companies to use your credit score when underwriting policies.[7] Insurance companies argue that drivers with good to excellent credit are less risky and typically file fewer claims than those with poor credit.[8] This is why many car insurers look at credit scores of prospective policyholders to help determine rates.
The chart below shows that Little Rock drivers with excellent credit pay $238 per month, on average, while drivers with poor credit pay an average of $480 per month.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Little Rock?
Car insurance premiums for Little Rock drivers are slightly higher than the national average. Rates can even vary by ZIP code and city within Arkansas due to variations in population, crime rates, weather conditions, and other factors.[4] For example, average monthly quotes are higher in Little Rock than in almost every Arkansas city, except for Jonesboro.
More cities in Arkansas
Here’s a look at the average quotes for full-coverage car insurance in other cities in Arkansas compared to Little Rock.
City | Average Monthly Quote | Compared to Little Rock |
|---|---|---|
| Conway | $275 | -11% |
| Fayetteville | $288 | -7% |
| Fort Smith | $268 | -13% |
| Hot Springs National Park | $260 | -16% |
| Jacksonville | $269 | -13% |
| Jonesboro | $354 | 14% |
| Rogers | $255 | -17% |
| Springdale | $294 | -5% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Little Rock car insurance FAQs
Learn more about the factors that affect your car insurance rates and check out Insurify’s answers to frequently asked questions about Little Rock car insurance.
How much is car insurance in Little Rock?
Average auto insurance rates in Little Rock are $206 a month for liability-only coverage and $309 a month for full-coverage insurance.
What are the best car insurance companies in Little Rock?
Some of the best car insurance companies in Little Rock are State Farm and USAA. These two insurers have low average rates, strong J.D. Power ratings, and high Insurify Quality (IQ) Scores. If you’re a high-risk driver, the best insurance company may be Bristol West, as it caters to drivers with marks on their driving record. However, you should always compare quotes to find the company that offers the best rate for your needs.
Why do car insurance rates vary among different insurers in Little Rock?
Insurance companies use their own underwriting processes that place different emphasis on personal factors. For example, one company might have higher rates for young drivers because it heavily considers age when determining rates and another company considers driving records more. This is why it’s important to compare quotes and shop with different insurers.
What factors affect your car insurance premium in Little Rock?
Your age, vehicle, driving record, credit score, and ZIP code can affect your car insurance rates in Little Rock. Insurers also consider the rate of car accidents and thefts in your area, as well as if you park your car on the street, in a driveway, or in a covered garage.[4]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Nolo. "Arkansas Auto Accident Laws."
- Arkansas Insurance Department. "Consumers FAQ."
- National Safety Council. "Speeding."
- III. "Do auto insurance premiums go up after a claim?."
- Federal Bureau of Investigation. "Arrests by State, 2019."
- III. "Senior driving safety and insurance tips."
- Arkansas Insurance Department. "Understanding How Insurers Use Credit Information."
- NAIC. "Credit-Based Insurance Scores."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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