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Cheap Auto Insurance Quotes in Little Rock, AR (August 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Janeth Lopez

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Little Rock, AR

The average cost of Arkansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Little Rock, AR to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Little Rock is $238 per month, or $2856 annually.
  • Car insurance in Little Rock is $57 more than the average cost of car insurance in Arkansas.
  • The cheapest car insurance provider in Little Rock on average is Travelers, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

State Farm
$82
Allstate
$91
Nationwide
$114
Direct Auto
$199
The General
$272

Cheapest Car Insurance in Little Rock, AR

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in Little RockQuotes
State Farm$82 /mo
Allstate$91 /mo
Nationwide$114 /mo
Direct Auto$199 /mo
The General$272 /mo

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Average Car Insurance Cost

Arkansas Cities
Fort Smith$150/mo
Fayetteville$138/mo
Springdale$130/mo
Jonesboro$202/mo
Little Rock$190/mo
Arkansas$162/mo
Springdale
$130
Fayetteville
$138
Fort Smith
$150
Average for AR
$162
Little Rock
$190
Jonesboro
$202
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Arkansas

All motor vehicles operated or parked on Arkansas[1] roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Arkansas are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Arkansas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Find local Little Rock agents

  • Jay Freeman Insurance Agency

    8403 Geyer Springs,
    Little Rock, AR 72209
  • MCGHEE INSURANCE AGENCY, INC.

    1429 Merrill Drive,
    Little Rock, AR 72211
  • Gleason Insurance, LLC

    320 Executive Ct. Ste. 204,
    LITTLE ROCK, AR 72205
  • Frazier Insurance Agency, Inc.

    808-B Reservoir Road,
    Little Rock, AR 72227-5729
  • Hadfield Agency, Inc.

    11601 Pleasant Ridge Rd,
    Ste. 101, Little Rock, AR 72212-2240
  • A+ Insurance Center

    1602 Merrill Dr Ste A,
    Little Rock, AR 72211-1971
  • GrowBrite Risk Management

    221 W. 2nd Street,
    Little Rock, AR 72201-2587
  • Berryhill Insurance Group

    16719 Cantrell Rd.,
    Little Rock, AR 72223
  • Arkansas Insurance Partners, Inc

    11809 Hinson Road,
    Little Rock, AR 72212
  • Meadors, Adams & Lee, Inc.

    100 River Market Avenue,
    Little Rock, AR 72203
View more

FAQs - Little Rock, AR Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Insurify Insights

How Little Rock Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Little Rock, Arkansas below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Little Rock drivers measure up to their fellow motorists across Arkansas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

nissan

Nissan Altima

Most Popular Car in Little Rock

#26

City with the Most Speeding Tickets Rank in Arkansas

#27

City with the Most Moving Violations Rank in Arkansas

#28

City with the Most DUIs Rank in Arkansas

#2

City with the Most Suspended Licenses in Arkansas

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Little Rock drivers rank 10 in the number of car accidents per driver across all cities in Arkansas.

    • Rank within state: #10
    • Percent of drivers in Little Rock with an accident: 8.62%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Little Rock drivers rank 28 in the number of DUI’s per driver across all cities in Arkansas.

    • Rank within state: #28
    • Percent of drivers in Little Rock with a DUI: 1.1%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Arkansas, Little Rock drivers rank 7 in the number of reckless driving offenses per driver.

    • Rank within state: #7
    • Percent of drivers in Little Rock with a reckless driving offense: 0.02%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Arkansas, Little Rock drivers rank 12 in rude driving infractions.

    • Rank within state: #12
    • Percent of drivers in Little Rock with a reckless driving violation: 1.03%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Arkansas, Little Rock drivers rank 26 in the number of speeding infractions per driver.

    • Rank within state: #26
    • Percent of drivers in Little Rock with a speeding ticket: 6.6%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Little Rock drivers rank 5 in clean driving records across all cities in Arkansas.

    • Rank within state: #5
    • Percent of drivers in Little Rock with clean record: 14.86%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Little Rock drivers rank 7 in hybrid and electric vehicle ownership across all cities in Arkansas.

    • Rank within state: #7
    • Percent of drivers in Little Rock with a hybrid/electric vehicle: 0.44%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra
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Insurance Content Project Manager

Tanveen Vohra is an insurance content manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.

Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. Arkansas Insurance Department. "State Minimum Car insurance." Accessed May 28, 2022