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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.
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.
$35/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.
$71/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.
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
8.4/10
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.
$83/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.
$168/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
I've been with them for 10 years, but the rates keep going up. I have liability insurance and it costs $78 a month! I'm on social security and I never drive on the highway. I don't go out of town more than 5 miles a day. I hardly drive at all, just for basic stuff like going to the doctor. That's it. I will try to find a cheaper plan. I just feel that the price is unfair in my situation.
Maureen - July 25, 2024
Verified
Expensive for Seniors Who Drive Less Than 4000 Miles/Year
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.
5.2/10
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.
$178/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.
$438/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.
Their rates are exorbitant. I find the policy too expensive.
Edgar - July 19, 2024
Verified
Poor Insurance Service
I wouldn't recommend Bristol West for your insurance. They have very poor customer support. They put you on hold for 30 minutes and never get back to you.
…
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$35
USAA
$42
GEICO
$53
Auto-Owners
$59
Safeco
$65
National General
$77
Shelter
$77
Allstate
$78
Farmers
$78
Nationwide
$78
Progressive
$83
Travelers
$83
Hallmark
$105
Liberty Mutual
$109
GAINSCO
$114
Dairyland
$115
Midvale Home & Auto
$119
The General
$152
Direct Auto
$176
Bristol West
$178
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$71
USAA
$86
GEICO
$107
Auto-Owners
$120
Safeco
$142
Shelter
$156
Allstate
$157
Nationwide
$158
Farmers
$159
Progressive
$168
Travelers
$168
Midvale Home & Auto
$199
National General
$201
State Auto
$223
GAINSCO
$249
Liberty Mutual
$260
Dairyland
$287
Hallmark
$288
The General
$316
Direct Auto
$401
Bristol West
$438
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.
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.
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.
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
$93
$46
USAA
$113
$55
GEICO
$141
$70
Auto-Owners
$159
$78
Safeco
$190
$87
Allstate
$207
$103
Farmers
$209
$102
Nationwide
$211
$104
Shelter
$215
$106
Progressive
$223
$110
Travelers
$224
$110
National General
$265
$101
Midvale Home & Auto
$272
$163
GAINSCO
$360
$165
Liberty Mutual
$376
$158
Hallmark
$380
$139
Dairyland
$381
$153
The General
$423
$203
Direct Auto
$531
$233
Bristol West
$576
$234
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
$97
$48
USAA
$118
$58
GEICO
$148
$73
Auto-Owners
$165
$81
Safeco
$190
$87
Allstate
$216
$107
Farmers
$218
$107
Nationwide
$220
$108
Shelter
$223
$110
Travelers
$233
$115
Progressive
$235
$116
National General
$279
$107
Midvale Home & Auto
$290
$173
GAINSCO
$331
$151
Hallmark
$383
$140
Liberty Mutual
$389
$163
Dairyland
$394
$158
The General
$443
$213
Direct Auto
$564
$248
Bristol West
$596
$242
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
$120
$59
USAA
$146
$71
GEICO
$182
$90
Auto-Owners
$204
$100
Safeco
$241
$110
Shelter
$265
$131
Allstate
$266
$132
Nationwide
$268
$132
Farmers
$270
$132
Progressive
$285
$141
Travelers
$285
$141
Midvale Home & Auto
$338
$202
National General
$341
$131
GAINSCO
$423
$193
Liberty Mutual
$441
$185
Dairyland
$487
$195
Hallmark
$489
$178
The General
$536
$258
Direct Auto
$680
$299
Bristol West
$743
$302
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
$38
$19
USAA
$52
$25
GEICO
$63
$31
Auto-Owners
$67
$33
Shelter
$71
$35
Progressive
$80
$39
Nationwide
$81
$40
Farmers
$89
$43
Safeco
$91
$42
Allstate
$93
$46
Travelers
$98
$48
Midvale Home & Auto
$111
$67
National General
$123
$47
Liberty Mutual
$157
$66
Hallmark
$175
$64
Dairyland
$176
$71
GAINSCO
$176
$81
The General
$205
$99
Direct Auto
$235
$103
Bristol West
$269
$109
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
$117
$58
USAA
$139
$68
GEICO
$164
$81
Auto-Owners
$201
$99
Shelter
$261
$129
Nationwide
$264
$130
Allstate
$269
$134
Farmers
$273
$134
Safeco
$288
$132
Travelers
$295
$146
Progressive
$296
$146
Midvale Home & Auto
$335
$200
National General
$379
$145
GAINSCO
$431
$197
Dairyland
$466
$187
Liberty Mutual
$467
$196
Hallmark
$497
$181
The General
$497
$239
Direct Auto
$713
$313
Bristol West
$727
$295
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.
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.
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.
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.
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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