Progressive
$94/mo
General
$93/mo
Allstate
$170/mo
State Farm
$111/mo
CSAA
$114/mo
Progressive
General
Allstate
State Farm
CSAA
Various factors contribute to higher auto insurance rates in cities. Some states even have lower average insurance rates when compared to their cities. For example, Arkansas has a slightly higher average insurance rate than the national average. But how about the cost of car insurance in Little Rock, Arkansas's capital and most populated city?
The fact is that Little Rock car insurance costs more than the state and national averages. But why is that so? Because Arkansas has one of the country's highest rates of uninsured drivers, car insurance may be a little more expensive there. However, Little Rock residents have access to auto insurance rates far lower than the state's average.
A driver will always focus on buying the cheapest car insurance. Therefore, you can always decrease the cost of car insurance in Little Rock by getting quotes from multiple insurers, comparing, and buying the cheapest one. However, your age, the ZIP Code of your area, driving behavior, and credit score can significantly influence car insurance rates.
So, how much does car insurance in Little Rock costs? Which insurer offers cheap car insurance in Little Rock, Arkansas? Our review of Little Rock auto insurance will answer all your queries!
Are you looking for low-priced car insurance in Arkansas? Get a quote today!
A driver must pay around $1,958 to buy car insurance in Little Rock. It is higher than the state average of $1,581 and the national average of $1,557.
| Little Rock (annual average) | Arkansas (annual average) | United States |
|---|---|---|
| $1,958 | $1,581 | $1,557 |
Our review of Little Rock car insurance includes average rates based on driving record, age, gender, credit score, and ZIP Code. Keep reading to know more about car insurance in Little Rock!
You must get quotes from multiple insurers to find cheap car insurance in Little Rock, Arkansas. Finding the ideal insurer is the key to getting the most affordable car insurance in Little Rock. With an average annual rate of $1,353, Liberty Mutual offers the most affordable Little Rock auto insurance. State Farm is the second lowest, with a yearly average rate of $1,369.
| Car insurance company | Average Annual Rate |
|---|---|
| Liberty Mutual | $1,353 |
| State Farm | $1,369 |
| Southern Farm Bureau | $1,692 |
| Shelter | $1,697 |
| Progressive | $1,891 |
Comparing the quotes can always be a good option to lower your insurance premiums in Little Rock. Or, you can ask your insurer about the available discounts and use the ones you qualify for.
Age is always a vital factor that decides how much you pay for auto insurance. Like in most cities, teenagers pay the most for buying car insurance in Little Rock. They need to pay around $7,310 yearly for Little Rock car insurance.
With an average annual rate of $1,716, drivers in their 50s pay the lowest for car insurance in Little Rock. So, expect to pay lower premiums as your age increases.
Your marital status and gender can influence the insurance premiums you pay in Little Rock. Like in most cities, single drivers pay more for car insurance in Little Rock than married drivers. They pay an average yearly rate of $1,958, $210 more than what married drivers pay. The insurance rates are higher as the insurers see single drivers as riskier and likely to file more claims.
Gender is another factor that will increase or decrease your insurance premiums. For example, in Little Rock, with a yearly average rate of $1,961, female drivers pay more than male drivers.
| Gender/Marital Status | Average Annual Rate |
|---|---|
| Male | $1,958 |
| Female | $1,961 |
| Single | $1,958 |
| Married | $1,748 |
| Widowed | $1,841 |
| Divorced | $1,958 |
What is another way by which you can keep the insurance rates low? First, keep a clean driving record! Insurers will offer you cheap car insurance in Little Rock, Arkansas, if your driving record doesn't have driving offenses. However, the rates will increase if your driving record has citations of reckless driving, speeding tickets, at-fault accidents, DUI/DWI, or other offenses.
Reckless driving and DUI/DWI are two citations that will surge the rate of car insurance in Little Rock. These citations will increase the city insurance rate by $2,870 and $2,773, respectively. So, always try to stay out of traffic violations.
| Offense | Average Annual Rate |
|---|---|
| Reckless Driving | $2,870 |
| DUI/DWI | $2,773 |
| Speeding Ticket | $2,519 |
| At-Fault Accident (damages < $,1000) | $2,790 |
| At-Fault Accident (damages > $2,000) | $2,992 |
It isn't a secret that your credit rating can increase or decrease the rate of car insurance in Little Rock. For instance, a 'Very Poor' (300-579) credit rating will increase your yearly average rate to $3,474. It is $1,516 more than the average city rate. But, having 'Very Good' and 'Exceptional' credit ratings decrease your auto insurance rates to $1,802 and $1,650, respectively.
But you can pay less for car insurance in Little Rock if you have a better credit rating. For instance, moving to a 'Fair' credit rating from 'Very Poor' saves $1,115 on auto insurance rates.
| Credit Rating | Average Annual Rate |
|---|---|
| Very Poor | $3,474 |
| Fair | $2,359 |
| Good | $1,958 |
| Very Good | $1,802 |
| Exceptional | $1,650 |
Always be aware that Little Rock auto insurance rates can change depending on the ZIP code. If you reside in a region with a high risk of theft, crime, and uninsured drivers, be prepared to pay a higher insurance cost. As a result, insurance companies can consider you a high risk to cover if you reside in an area where people don't get along. It might lead to higher rates than a friend living in the next neighborhood.
The following are the rates of car insurance in Little Rock based on some ZIP Codes.
| ZIP Code | Average Annual Rate |
|---|---|
| 72207 | $1,908 |
| 72212 | $1,939 |
| 72211 | $1,942 |
| 72223 | $1,945 |
| 72227 | $1,961 |
| 72201 | $2,023 |
| 72202 | $2,062 |
| 72204 | $2,137 |
| 72205 | $1,989 |
| 72206 | $2,075 |
Suppose you get caught driving a car in Little Rock without the required insurance coverage. You will earn a penalty of $50-$250 for a first violation, $250-$500 for a second offense, and $500-$1,000 for a third violation. Also, expect to have your license plate taken off, suspend your registration, or car impoundment if you cause an accident.
Like most states, Arkansas mandates that all drivers maintain a minimum level of auto insurance to drive a car legally. For example, no one can drive a car in Arkansas without having the following insurance coverage.
Since Little Rock is the most populous city in the state, it is fair always to expect good traffic on the roads. Here are some tips for driving a car on city roads.
Unfortunately, Little Rock is a city with a high crime rate. As a result, the auto theft rate is much higher than the state average. In 2019, there were around 1,069 auto thefts in the city. The auto theft rate was 538.9 per 100,000 persons, higher than the state average and the national average rate of 219.
When buying car insurance in Little Rock, one with comprehensive coverage is always safe. It will give you sufficient protection if your car gets stolen.
| Little Rock theft rate (per 100,000 persons) | United States theft rate (per 100,000 persons) |
|---|---|
| 538.9 | 219 |
The accident rates in the city are also higher than in many cities. In 2019, around 45 vehicles were involved in fatal accidents in the city. On the other hand, 65 persons were involved in fatal accidents, causing 33 fatalities. Also, there were 11 fatal accidents involving drunk persons, with 12 pedestrians involved in fatal accidents in Little Rock.
To get cheap car insurance quotes in Little Rock, Arkansas, you must compare quotes from multiple insurers. That's how you can find the best insurer in the city. Additionally, our car insurance agents in Little Rock can assist you in understanding the state's most complex insurance laws and terms, discounts, and coverages. Therefore, contact our vehicle insurance agents if you want to purchase the top and most affordable auto insurance in Little Rock.
These are some of the major insurance providers in the area.
| Liberty Mutual | Safeco |
| State Farm | Amica |
| Southern Farm Bureau | Dairyland |
| Shelter | Mercury |
| Progressive | Direct Auto |
| Nationwide | |
| Travelers | Mapfre |
| USAA | Kemper |
| Farmers | Auto-Owners |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Our research found that areas with ZIP Code 72202 have the cheapest car insurance in Little Rock. On average, auto insurance costs around $1,908.
On average, car insurance in Little Rock costs you around $1,958 yearly.
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