Cheapest Car Insurance Quotes in Little Rock

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Little Rock Car Insurance

^$ 32

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. 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.

Table of Contents

How Much Is Car Insurance in Little Rock

The car insurance rate in Little Rock is $1035 for a six-month policy, which is $111 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $539, making it a popular choice for budget-conscious drivers. Rates in Little Rock can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Little Rock

$1035

Avg. Car Insurance in Arkansas

$924

National Average

$1140

Cheapest Car Insurance Companies in Little Rock

1st place: AutoOwners Insurance Co

At $539 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $706 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $725 for six months, making it the third cheapest auto insurance company in Little Rock.

Little Rock Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Little Rock, AR is AutoOwners Insurance Co, offering policies at just $539 for a six-month term. This is followed by Travelers, which has an average six-month premium of $706.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1916 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Little Rock drivers find the best deals.

Cheap Car Insurance Companies in Little Rock, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$539	$92
Travelers	$706	$119
AAA	$725	$123
Southern Farm Bureau	$778	$131
USAA	$792	$133
State Farm	$892	$150
Farm Bureau	$912	$155
Shelter	$978	$165
Nationwide	$1038	$175
Auto-Owners	$1071	$178
Farmers	$1211	$204
Alfa	$1417	$236
Allstate	$1516	$255
Progressive	$1916	$323

Key Takeaways

Way's key takeaways about car insurance in Little Rock

The auto insurance costs in Little Rock fall around $539 for six months.
The cheapest auto insurance company in Little Rock is USAA.
Teen drivers pay the highest rate in Little Rock at $1145 per month.

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Cheapest Minimum Liability Car Insurance in Little Rock

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Little Rock are given below.

USAA provides the cheapest minimum car insurance coverage in Little Rock. Their Average 6 Month Premium is $193. Farmers is the most expensive at $665 for the same period.

Cheapest Liability Coverage in Little Rock, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$193	$32
Auto-Owners Insurance Co	$213	$36
State Farm	$240	$40
Auto-Owners	$253	$43
Travelers	$260	$44
AAA	$267	$45
Southern Farm Bureau	$273	$46
Farm Bureau	$279	$47
Alfa	$292	$49
Shelter	$319	$54
Nationwide	$333	$56
Progressive	$353	$59
Allstate	$612	$103
Farmers	$665	$111

Cheapest Full Coverage Car Insurance in Little Rock

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Little Rock is AutoOwners Insurance Co at $92 per month and $539 for six months.

Cheapest Full Coverage Car Insurance Quotes in Little Rock, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$539	$92
Travelers	$706	$119
AAA	$725	$123
Southern Farm Bureau	$778	$131
USAA	$792	$133
State Farm	$892	$150
Farm Bureau	$912	$155
Shelter	$978	$165
Nationwide	$1038	$175
Auto-Owners	$1071	$178
Farmers	$1211	$204
Alfa	$1417	$236
Allstate	$1516	$255
Progressive	$1916	$323

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Average Car Insurance in Little Rock by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Little Rock, AR increasing?

Despite maintaining a clean driving record, your car insurance rates in Little Rock, Arkansas, may be increasing due to several external factors. Arkansas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Little Rock's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Little Rock

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Little Rock,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Little Rock at $29 per month. At $6732 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$172	$29
Travelers	$286	$48
Auto-Owners Insurance Co	$312	$53
AAA	$333	$57
Southern Farm Bureau	$1170	$197
USAA	$1351	$227
Farm Bureau	$1776	$296
State Farm	$1810	$305
Alfa	$2209	$368
Nationwide	$2262	$381
Shelter	$2940	$495
Progressive	$5495	$925
Allstate	$6732	$1133
Farmers	$6732	$1145

Teen Car Insurance Rates in AR by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Little Rock, Southern Farm Bureau is the cheapest car insurance provider. At $326 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Little Rock is State Farm, offering rates of around $4437 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Southern Farm Bureau	$326	$55
Home State Ins Group	$333	$57
Travelers	$392	$65
Alfa	$844	$142
USAA	$1131	$188
Shelter	$1238	$208
Nationwide	$1251	$211
Progressive	$1597	$269
Farm Bureau	$1650	$276
Farmers	$1663	$280
Allstate	$3041	$506
State Farm	$4437	$755

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Car Insurance Rates with An Accident in Little Rock

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Little Rock, AR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Little Rock

The cheapest car insurance companies after an at-fault accident in Little Rock include Hanover and Travelers, offering $199 and $339, respectively. Allstate is an expensive provider with an average six-month premium of $2815.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$199	$34
Travelers	$339	$57
Auto-Owners Insurance Co	$346	$57
Auto-Owners	$405	$69
Home State Ins Group	$426	$71
USAA	$638	$108
State Farm	$659	$111
Farm Bureau	$785	$132
Southern Farm Bureau	$799	$134
Shelter	$991	$167
Farmers	$1537	$259
Nationwide	$1557	$262
Progressive	$1930	$325
Alfa	$2163	$367
Allstate	$2815	$474

Little Rock Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Little Rock AR. For example, the car insurance in Little Rock after a DUI increases to $751 for a six month policy. While the rate increases by $319 for a six-month policy in the case of a speeding ticket.

Little Rock auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1331	$222
One Med/PIP claim	$1351	$230
Not-at-fault accident	$1357	$226
One comp claim	$1357	$231
Two Med/PIP claims	$1378	$230
Two comp claims	$1410	$240
Failure to wear a seat belt	$1597	$267
Child safety restraint	$1609	$273
Driving without lights	$1609	$269
Failure to show documents	$1630	$277
Driving with expired registration	$1650	$276
Speeding 6 - 10 MPH over limit	$1650	$280
Driving too slowly	$1656	$277
Speeding 11 - 15 MPH over limit	$1656	$281
Speeding in school zone	$1656	$277
Speeding 16 - 20 MPH over limit	$1663	$283
Failure to stop at a red light	$1670	$278
Failure to yield	$1670	$284
Wrong way/wrong lane	$1677	$279
Cell phone violation	$1683	$287
In 65 MPH zone	$1683	$280
Texting while driving	$1683	$287
Following too closely	$1690	$281
Illegal turn	$1690	$288
Improper passing	$1690	$281
Speeding 21 - 25 MPH over limit	$1723	$293
At-fault accident - less than $1000	$1729	$288
Passing school bus	$1743	$297
Operating a vehicle without permission	$1796	$299
Open container	$1830	$311
At-fault accident - $1000-$2000	$1869	$311
At-fault accident - greater than $2000	$1876	$319
DUI	$2082	$347
Racing	$2082	$354
Refusal to submit to a chemical test	$2082	$347
Reckless driving	$2116	$360
Driving with a suspended license	$2175	$363
Leaving scene of an accident/hit and run	$2215	$376

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Little Rock after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Little Rock.

The cheapest car insurance premiums in Little Rock are offered by Hanover at $213 for a six-month policy. However, it can be as expensive as $2834 with companies like Nationwide.

Little Rock car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$213	$36
Home State Ins Group	$360	$59
Travelers	$373	$63
State Farm	$699	$118
Farm Bureau	$725	$122
Southern Farm Bureau	$738	$124
USAA	$1011	$170
Progressive	$1264	$213
Shelter	$1584	$267
Alfa	$2096	$349
Allstate	$2468	$416
Farmers	$2555	$426
Nationwide	$2834	$477

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Little Rock are offered by Hanover at $186. However, it can be as expensive as $2182 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Little Rock after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$186	$31
Southern Farm Bureau	$199	$34
Auto-Owners Insurance Co	$246	$41
Travelers	$326	$55
Home State Ins Group	$346	$57
State Farm	$625	$105
USAA	$758	$127
Farm Bureau	$991	$168
Nationwide	$1131	$190
Progressive	$1224	$206
Shelter	$1284	$214
Farmers	$1491	$251
Alfa	$2043	$340
Allstate	$2182	$371

Car Insurance Price Trends in Little Rock, Arkansas

Car insurance rates in Little Rock have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Little Rock remained steady at $222 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Little Rock remained steady at $52 in both December and November, indicating no change over the two month period.

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Average Car Insurance Cost in Little Rock by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Little Rock. At $1076 for a six-month policy, insuring your car at 72207 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
72207	$1076	$180
72227	$1086	$182
72205	$1138	$190
72206	$1138	$190
72204	$1179	$197
72201	$1034	$173
72212	$1086	$182
72223	$1138	$190
72202	$1076	$180
72210	$1117	$187
72211	$1138	$190
72209	$1179	$197

Frequently Asked Questions

How much is car insurance in Little Rock?

The car insurance in Little Rock is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Little Rock?

The cheapest car insurance in Little Rock is $92 per month for full coverage.

How much is car insurance in Little Rock for teenagers?

Car insurance for teenagers costs $172 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Little Rock?

The average cost of car insurance is $924 for a six-month policy. It will cost around $174 per month to insure your car in Little Rock.

Is car insurance expensive in Little Rock?

Car insurance can be expensive in Little Rock if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Little Rock can be affordable.

Cheapest Car Insurance Quotes in Little Rock

Why you can trust Way?

How Much Is Car Insurance in Little Rock

Avg. Car Insurance in Little Rock

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Little Rock

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Little Rock Car Insurance Rates by Company

Cheap Car Insurance Companies in Little Rock, AR

Way's key takeaways about car insurance in Little Rock

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Little Rock

Cheapest Liability Coverage in Little Rock, AR

Cheapest Full Coverage Car Insurance in Little Rock

Cheapest Full Coverage Car Insurance Quotes in Little Rock, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Little Rock by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Little Rock, AR increasing?

Car Insurance Premiums by Age in Little Rock

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Little Rock,AR

If you are in your twenties N/A is the best choice for car insurance in Little Rock.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Little Rock

Cheapest Car Insurance Companies after an At-Fault Accident in Little Rock

Little Rock Car Insurance Rates by Violation

Little Rock auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Little Rock after a DUI

Little Rock car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Little Rock after Speeding ticket

Car Insurance Price Trends in Little Rock, Arkansas

Average Car Insurance Cost in Little Rock by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Little Rock, AR

Car Insurance Rates by State in the USA (2025 Update)

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