Cheap Quotes for Little Rock, AR Car Insurance (2021)

Little Rock, Arkansas car insurance rates average $392 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Little Rock, AR companies, you can find cheap Little Rock car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • The cheapest car insurance company in Little Rock is USAA
  • Average car insurance rates in Little Rock, AR for senior drivers are $2,387/year
  • Average car insurance rates in Little Rock, AR after a DUI are $5,665/year

How do the Little Rock, Arkansas monthly average car insurance rates of $392/month compare to nearby cities like North Little Rock car insurance rates, Fayetteville car insurance rates, and Bentonville car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Little Rock, AR.

We’ll cover the Arkansas minimum coverage requirements, Arkansas car insurance laws, and Little Rock, AR statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Little Rock, Arkansas companies to find the most affordable Little Rock car insurance rates.

Enter your ZIP code above to find cheap Little Rock, AR car insurance quotes today.

What are the minimum Little Rock, AR car insurance requirements?

To meet Arkansas minimum car insurance coverage requirements, Little Rock, AR drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Little Rock, Arkansas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Average Little Rock, AR Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Little Rock, AR you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Little Rock, Arkansas

ZIP Code Average Annual Rates
72103 $4,580
72201 $5,043
72202 $5,097
72204 $5,047
72205 $4,886
72206 $4,937
72207 $4,649
72209 $4,953
72210 $4,758
72211 $4,710
72212 $4,645
72223 $4,660
72227 $4,810

How do age, gender, and marital status affect Little Rock, AR car insurance rates?

Three of the criteria that most affect car insurance rates in Little Rock, Arkansas are age, gender, and marital status. Let’s take a look at how each of these stack up with top Little Rock car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Little Rock, Arkansas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,290 $3,290 $2,951 $3,156 $12,644 $15,241 $3,602 $3,896
Farmers $2,502 $2,491 $2,226 $2,352 $11,038 $11,470 $2,860 $2,990
GEICO $2,578 $2,536 $2,367 $2,301 $7,209 $7,180 $2,566 $2,603
Liberty Mutual $2,594 $2,778 $2,506 $2,802 $9,597 $10,573 $2,806 $2,923
Nationwide $3,145 $3,196 $2,821 $2,973 $7,930 $10,081 $3,635 $3,915
Progressive $2,950 $2,765 $2,434 $2,553 $13,102 $14,739 $3,514 $3,795
State Farm $2,096 $2,096 $1,904 $1,904 $6,477 $8,115 $2,372 $2,734
Travelers $2,499 $2,539 $2,508 $2,510 $15,439 $24,962 $2,695 $3,038
USAA $1,449 $1,454 $1,354 $1,349 $4,785 $4,979 $1,867 $2,000

How much do teen drivers pay for car insurance in Little Rock, AR?

Little Rock, Arkansas car insurance rates for teens are often higher than rates for other drivers. Compare Little Rock car insurance rates from multiple Little Rock, Arkansas car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Little Rock, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,644 $15,241
Farmers $11,038 $11,470
GEICO $7,209 $7,180
Liberty Mutual $9,597 $10,573
Nationwide $7,930 $10,081
Progressive $13,102 $14,739
State Farm $6,477 $8,115
Travelers $15,439 $24,962
USAA $4,785 $4,979

How much do senior drivers pay for car insurance in Little Rock, AR?

With a little research, seniors can find affordable car insurance in Little Rock, Arkansas. Here’s a look at how the top Little Rock car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Little Rock, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,951 $3,156
Farmers $2,226 $2,352
GEICO $2,367 $2,301
Liberty Mutual $2,506 $2,802
Nationwide $2,821 $2,973
Progressive $2,434 $2,553
State Farm $1,904 $1,904
Travelers $2,508 $2,510
USAA $1,354 $1,349

How does coverage level affect Little Rock, AR car insurance rates?

How much coverage do you need? Are you comfortable with the Arkansas minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Little Rock, AR car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Little Rock, Arkansas

Insurance Company Low Medium High
Allstate $5,816 $6,006 $6,205
Farmers $4,465 $4,681 $5,077
GEICO $3,494 $3,666 $3,842
Liberty Mutual $4,399 $4,537 $4,781
Nationwide $4,722 $4,611 $4,803
Progressive $5,122 $5,598 $6,475
State Farm $3,268 $3,461 $3,657
Travelers $6,613 $7,040 $7,418
USAA $2,290 $2,395 $2,529

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How does your driving record affect Little Rock, AR car insurance rates?

Safe driving pays off. The more traffic violations you have in Little Rock, AR, the higher your car insurance rates will be. Compare rates based on driving infractions from top Little Rock, Arkansas companies.

Annual Little Rock, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,903 $6,234 $6,978 $5,920
Farmers $4,010 $5,143 $5,034 $4,778
GEICO $2,516 $3,823 $5,623 $2,708
Liberty Mutual $3,099 $5,072 $5,939 $4,180
Nationwide $3,660 $4,738 $6,419 $4,031
Progressive $4,929 $6,905 $5,191 $5,901
State Farm $3,151 $3,773 $3,462 $3,462
Travelers $5,874 $6,068 $8,946 $7,207
USAA $1,837 $2,350 $3,390 $2,041

How does a DUI affect Little Rock, AR car insurance rates?

With even one DUI on your record, you can see an increase in your Little Rock, AR car insurance rates.

Annual Car Insurance Rates After a DUI in Little Rock, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,978
Farmers $5,034
GEICO $5,623
Liberty Mutual $5,939
Nationwide $6,419
Progressive $5,191
State Farm $3,462
Travelers $8,946
USAA $3,390

How does your credit history affect Little Rock, AR car insurance rates?

Take a look at the data here to see how your Little Rock, Arkansas car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Little Rock, Arkansas

Insurance Company Poor Fair Good
Allstate $7,549 $5,792 $4,685
Farmers $5,368 $4,535 $4,320
GEICO $4,390 $3,616 $2,996
Liberty Mutual $6,597 $3,995 $3,125
Nationwide $5,573 $4,482 $4,081
Progressive $6,451 $5,556 $5,188
State Farm $5,023 $3,018 $2,346
Travelers $8,035 $6,735 $6,302
USAA $3,171 $2,180 $1,863

How does your commute affect Little Rock, AR car insurance rates?

Little Rock, AR car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Arkansas can be seen here. Remember, though, that you may have to carry substantially more car insurance in Little Rock if you’re financing.

Annual Car Insurance Rates by Commute Length in Little Rock, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,009 $6,009
Farmers $4,741 $4,741
GEICO $3,634 $3,701
Liberty Mutual $4,572 $4,572
Nationwide $4,712 $4,712
Progressive $5,732 $5,732
State Farm $3,377 $3,548
Travelers $7,024 $7,024
USAA $2,337 $2,472

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Who has the cheapest Little Rock, AR car insurance rates?

Here’s a breakdown of Little Rock, Arkansas car insurance rates by company. You can see which company offers the cheapest Little Rock car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Little Rock, Arkansas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

What are the top Little Rock, AR car insurance companies?

Which Little Rock, Arkansas car insurance company will best fit your needs and budget? Check out this comparison of the top Little Rock companies to find the one for you.

Average Annual Car Insurance Rates by Company in Little Rock, Arkansas

Insurance Company Average Annual Rates
Allstate $6,009
Farmers $4,741
GEICO $3,667
Liberty Mutual $4,572
Nationwide $4,712
Progressive $5,732
State Farm $3,462
Travelers $7,024
USAA $2,405

What factors affect Little Rock, AR car insurance rates?

Why are Little Rock, Arkansas car insurance rates different than rates in North Little Rock or Fayetteville? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Little Rock, AR?

More time spent behind the wheel can lead to higher Little Rock, Arkansas car insurance rates. In Little Rock, AR, the average commute length is 18.6 minutes.

What is the traffic like in Little Rock, AR

Like commute length, time spent in traffic also increase risk of accidents. Little Rock, AR is listed as 624th in INRIX congested cities data.

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Car Insurance Quotes for Little Rock, AR

Shop for affordable Little Rock, Arkansas car insurance rates today. Enter your ZIP code to compare quotes from multiple Little Rock, AR car insurance companies.

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