Anna Baluch es una escritora autónoma de Cleveland con enfoques en seguros y finanzas personales. Disfruta escribir contenido educativo que ayuda a la gente que hagan decisiones inteligentes. Se puede ver sus obras por el internet en varias publicaciones bien conocidas, incluyendo Freedom Debt Relief, Credit Karma, RateGenius, y The Balance.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717
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Basado en más de 3806 reseñas
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Las tarifas más baratas encontradas recientemente en Arkansas
Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $29/mes para solo responsabilidad y $59/mes para cobertura total en Arkansas.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
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.
Datos Breves
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]
Find Car Insurance in Little Rock
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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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
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.
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.
3.9
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.
$85/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.
Ventajas
Many advertised discounts
Snapshot telematics program rewards safe driving
Contras
No anti-theft device discount advertised
Below-average J.D. Power customer satisfaction rating
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.
2.2
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 aaa (exceptional) to c (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.
$189/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.
It was inexpensive, but if you were an hour late in making the payment, the policy would get cancelled and you would be charged a $45.00 late fee.
It was inexpensive, but if you were an hour late in making the payment, the policy would get cancelled and you would be charged a $45.00 late fee.
Terence - April 20, 2024
Verified
Poor
Their prices are too high.
Barry - April 1, 2024
Verified
Terrific
Absolutely great.
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: miércoles, 1 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Monthly Quote
State Farm
36
USAA
43
GEICO
55
Auto-Owners
61
Safeco
71
National General
72
Shelter
79
Allstate
80
Farmers
81
Nationwide
81
Progressive
85
Travelers
85
State Auto
96
Liberty Mutual
104
Hallmark
110
Midvale Home & Auto
118
GAINSCO
121
Dairyland
129
Direct Auto
135
The General
159
Bristol West
189
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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: miércoles, 1 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Monthly Quote
State Farm
74
USAA
90
GEICO
112
Auto-Owners
126
Safeco
160
Shelter
162
Allstate
165
Travelers
165
Farmers
166
Nationwide
166
Progressive
176
National General
189
Midvale Home & Auto
209
State Auto
233
GAINSCO
255
Liberty Mutual
256
Direct Auto
274
Hallmark
293
Dairyland
297
The General
325
Bristol West
438
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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.
Cheapest car insurance for drivers with an incident
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.
Shop for Auto Insurance in Little Rock
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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: miércoles, 1 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
96
47
USAA
118
56
GEICO
147
72
Auto-Owners
170
82
Allstate
216
105
Farmers
218
106
Nationwide
220
107
Travelers
220
113
Safeco
226
100
Shelter
234
114
Progressive
239
115
National General
249
95
GAINSCO
326
155
Liberty Mutual
361
146
Direct Auto
369
182
Dairyland
402
175
The General
443
217
Bristol West
586
253
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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: miércoles, 1 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
100
49
USAA
123
59
GEICO
154
76
Auto-Owners
175
85
Allstate
226
110
Farmers
228
111
Travelers
229
118
Nationwide
230
112
Safeco
238
105
Shelter
242
118
Progressive
249
120
National General
264
100
GAINSCO
343
163
Liberty Mutual
376
153
Direct Auto
387
191
Dairyland
415
180
The General
460
225
Bristol West
602
260
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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: miércoles, 1 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
120
59
USAA
146
70
GEICO
182
90
Auto-Owners
205
99
Shelter
250
122
Safeco
260
116
Allstate
269
130
Travelers
269
138
Farmers
270
132
Nationwide
270
132
Progressive
286
138
National General
308
117
GAINSCO
415
197
Liberty Mutual
417
169
Direct Auto
446
220
Dairyland
483
210
The General
529
259
Bristol West
713
308
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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: miércoles, 1 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
39
19
USAA
53
25
GEICO
64
31
Auto-Owners
69
33
Shelter
76
37
Progressive
79
38
Nationwide
84
41
Farmers
91
45
Travelers
94
49
Allstate
96
47
Safeco
111
49
National General
123
47
Liberty Mutual
154
62
Direct Auto
157
77
GAINSCO
177
84
Dairyland
182
79
The General
209
102
Bristol West
263
113
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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: miércoles, 1 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
127
62
USAA
149
71
GEICO
177
87
Auto-Owners
210
102
Shelter
278
136
Nationwide
285
139
Safeco
285
127
Farmers
290
141
Allstate
291
141
Travelers
298
154
Progressive
316
152
National General
359
137
Liberty Mutual
432
176
GAINSCO
455
216
Dairyland
483
210
Direct Auto
501
247
The General
521
255
Bristol West
730
315
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
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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Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
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.
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]
Metodología
Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.
El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.
Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.
Anna Baluch es una escritora autónoma de Cleveland con enfoques en seguros y finanzas personales. Disfruta escribir contenido educativo que ayuda a la gente que hagan decisiones inteligentes. Se puede ver sus obras por el internet en varias publicaciones bien conocidas, incluyendo Freedom Debt Relief, Credit Karma, RateGenius, y The Balance.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
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State Farm
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