Best Cheap Auto Insurance in Little Rock, Arkansas (2024)

State Farm offers the cheapest car insurance in Little Rock, with minimum-coverage policies as low as $36 per month.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated May 23, 2024

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Cheapest recent rates near Little Rock, Arkansas

Drivers using Insurify have found quotes as cheap as $29/mo for liability only and $59/mo for full coverage in Little Rock and other Arkansas cities.

*Quotes generated for Insurify users in and around Little Rock, Arkansas within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 23, 2024. 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 May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$36/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.
$74/mo

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

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for discounts: Progressive

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$87/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.
$176/mo

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

Read our Progressive review
Randy - May 22, 2024
Verified

Difficult to Submit Forms Due to Backlogged Office

I would rate them 5 out of 5, or 10 out of 10, except for their backlogged office handling past Proof Of Insurance forms.

Dexter - May 22, 2024
Verified

No

They keep increasing the prices.

Patricia - May 22, 2024
Verified

They are ok

I probably would not recommend them. I have had no dealings with the agent. I only had a phone conversation to renew and received no help. I was only able to renew with what I had.

Best insurer for high-risk drivers: Bristol West

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
2.6
A.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
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.
$190/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.
$454/mo

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

Read our Bristol West review
Anthony - May 21, 2024
Verified

Too Expensive

It's too expensive, but they do have good customer service.

Edgar - May 20, 2024
Verified

The Worst Car Insurance

If I could, I would give them zero stars. I'm significantly overcharged for insurance every month. They've given me an astronomical deductible. I don't have a rental car because the person handling my current accident case never answers her phone or returns calls. I've been with them for a long time, and this is by far the worst experience I've had.

Rebecca - May 19, 2024
Verified

Not Affordable

Finding affordable auto insurance was challenging. The prices kept increasing. I tried three different policies, and the same thing kept happening.

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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm36
USAA44
GEICO55
Auto-Owners62
Safeco68
National General72
Shelter80
Allstate82
Farmers82
Nationwide82
Progressive87
Travelers87
Hallmark111
Liberty Mutual112
GAINSCO119
Dairyland122
Midvale Home & Auto126
The General158
Direct Auto161
Bristol West190
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm74
USAA90
GEICO112
Auto-Owners126
Safeco150
Shelter163
Allstate165
Farmers166
Nationwide166
Travelers175
Progressive176
National General187
Midvale Home & Auto211
State Auto236
GAINSCO258
Liberty Mutual264
Dairyland302
Hallmark303
The General329
Direct Auto363
Bristol West454
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance protects you from non-accident-related incidents that damage your vehicle, like theft, fires, and hitting an animal.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage will protect you from financial losses if someone without insurance or enough insurance causes an accident.

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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?

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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm9747
USAA11958
GEICO14973
Auto-Owners16782
Safeco20292
Allstate218109
Farmers219108
Nationwide222110
Shelter225110
Progressive234116
Travelers234116
National General273105
Midvale Home & Auto289173
GAINSCO376174
Liberty Mutual385163
Hallmark402147
Dairyland403163
The General441212
Direct Auto486216
Bristol West597250
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm10149
USAA12360
GEICO15375
Auto-Owners17284
Safeco19990
Allstate225112
Farmers225111
Nationwide229113
Shelter232114
Travelers241120
Progressive245121
National General25498
Midvale Home & Auto304181
GAINSCO341157
Liberty Mutual393167
Hallmark401147
Dairyland412167
The General458220
Direct Auto507225
Bristol West610255
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm12561
USAA15274
GEICO18993
Auto-Owners213105
Safeco253115
Shelter275135
Allstate279138
Farmers280138
Nationwide280138
Travelers295147
Progressive297147
National General316122
Midvale Home & Auto356213
GAINSCO436201
Liberty Mutual446189
Dairyland510206
Hallmark512187
The General555267
Direct Auto613272
Bristol West767321
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm3819
USAA5225
GEICO6331
Auto-Owners6834
Shelter7135
Nationwide8240
Progressive8341
Farmers9044
Safeco9141
Allstate9547
Travelers9949
Midvale Home & Auto11267
National General12147
Liberty Mutual14963
GAINSCO17380
Hallmark17564
Dairyland18474
Direct Auto20792
The General212102
Bristol West274115
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm12460
USAA14772
GEICO17485
Auto-Owners214105
Shelter277136
Nationwide280138
Allstate285142
Farmers289143
Safeco310141
Travelers311155
Progressive315155
National General344133
Midvale Home & Auto363217
GAINSCO456210
Liberty Mutual485206
Dairyland500202
The General526252
Hallmark532195
Direct Auto654290
Bristol West763319
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.

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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.

CityAverage Monthly QuoteCompared to Little Rock
Conway$275-11%
Fayetteville$288-7%
Fort Smith$268-13%
Hot Springs National Park$260-16%
Jacksonville$269-13%
Jonesboro$35414%
Rogers$255-17%
Springdale$294-5%
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.

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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Nolo. "Arkansas Auto Accident Laws."
  2. Arkansas Insurance Department. "Consumers FAQ."
  3. National Safety Council. "Speeding."
  4. III. "Do auto insurance premiums go up after a claim?."
  5. Federal Bureau of Investigation. "Arrests by State, 2019."
  6. III. "Senior driving safety and insurance tips."
  7. Arkansas Insurance Department. "Understanding How Insurers Use Credit Information."
  8. NAIC. "Credit-Based Insurance Scores."
Anna Baluch
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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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