Compare Little Rock, AR Car Insurance Rates (2021)

The average annual car insurance rates in Little Rock, AR are around $4,703 ($392/mo). The cheapest car insurance company in Little Rock, AR is USAA followed by State Farm, although rates will vary for each person. Little Rock, AR auto insurance must meet the state minimum requirements with coverage levels of 25/50/25 for liability and property damage. Compare Little Rock, Arkansas car insurance rates online to get the best price for you.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 12, 2021

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Here’s What you Need to Know

  • The average annual car insurance rates for Little Rock, AR are $4,703 ($392/mo)
  • The cheapest car insurance company in Little Rock, AR is USAA, and the second cheapest is State Farm
  • Little Rock rates are affected by the traffic that is shared with Benton and Jacksonville
  • The average commute time for Little Rock is 23 min

Little Rock, AR car insurance rates are, on average, about $550 cheaper than Jacksonville and about $500 more than Benton.

You can save on Little Rock, Arkansas car insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on cheap car insurance in Little Rock, AR for every age, credit history, and driving record.

Monthly Little Rock, AR Car Insurance Rates by ZIP Code

Find more info about the monthly Little Rock, AR auto insurance rates by ZIP Code below:

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Little Rock, AR Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Little Rock, AR against other top US metro areas’ auto insurance rates.

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Ready to find affordable car insurance in Little Rock, AR? Enter your ZIP code above to get started.

What is the cheapest car insurance company in Little Rock, AR?

The cheapest car insurance company in Little Rock, based on average rates, is USAA followed by State Farm. Keep in mind, however, that USAA is available only to military affiliates.

The cheapest Little Rock, AR car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Arkansas car insurance company rates?” We cover that as well.

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The best car insurance companies in Little Rock, AR, ranked from cheapest annual rates to most expensive are:

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

There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

If these rates seem steep, all of the top car insurance companies in the market have a usage-based car insurance program that can help you save big on your auto insurance rates.

Little Rock, Arkansas car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Little Rock, AR car insurance rates. Find the cheapest Little Rock, Arkansas car insurance rates by coverage level below:

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Your credit score will play a major role in your Little Rock, AR car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Little Rock, Arkansas car insurance rates by credit score below.

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Your driving record will affect your Little Rock car insurance rates. For example, a Little Rock, Arkansas DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Little Rock, AR car insurance rates by driving record.

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Factors affecting car insurance rates in Little Rock, AR may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Little Rock, Arkansas car insurance.

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These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Little Rock. AR does use gender, so check out the average monthly car insurance rates by age and gender in Little Rock, AR.

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What car insurance coverage is required in Little Rock, AR?

All Little Rock drivers have to meet the Arkansas state law minimum requirements to buy car insurance.

In Arkansas, you have to carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

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What affects car insurance rates in Little Rock, AR?

Little Rock is the largest city in Arkansas, but not necessarily the most expensive when it comes to car insurance. Let’s take a look at how Little Rock car insurance rates compared to cities nearby in Arkansas.

  • College Station, AR — $4,813 (most expensive)
  • Jacksonville, AR — $4,256
  • Little Rock, AR — $4,703
  • Benton, AR — $4,272
  • Cotter, AR $3,676 (cheapest)

INRIX ranks Little Rock as the 116th-most congested city in the U.S. With traffic coming from Benton and Jacksonville, expect longer commute times.

City-Data reports the average commute time for Little Rock is 16.6 minutes, but that can vary based on the time of day.

Car theft also affects rates. The FBI’s most recent annual statistics report Little Rock having 1,130 car thefts in a city population of 199,314. That’s a rate of 567 cars stolen per 100,000 population.

Little Rock, AR Car Insurance: The Bottom Line

Little Rock has about the same rates when compared to the state average, but you can still save by shopping around and comparing.

Before you buy car insurance in Little Rock, AR, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Little Rock, AR car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Little Rock, AR Car Insurance Rates by ZIP Code
Little Rock, AR Car Insurance Rates vs. Top US Metro Car Insurance Rates
Little Rock, AR Car Insurance Rates by Company vs. City Average
Little Rock, AR Car Insurance Rates by Company and Age
The Cheapest Little Rock, AR Car Insurance Rates by Coverage Level
The Cheapest Little Rock, AR Car Insurance Rates by Credit Score
The Cheapest Little Rock, AR Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Little Rock, AR
Average Monthly Car Insurance Rates by Age & Gender in Little Rock, AR
Monthly Little Rock, AR Car Insurance Rates by ZIP Code
Little Rock, AR Car Insurance Rates vs. Top US Metro Car Insurance Rates
Little Rock, AR Car Insurance Rates by Company vs. City Average
Little Rock, AR Car Insurance Rates by Company and Age
The Cheapest Little Rock, AR Car Insurance Rates by Coverage Level
The Cheapest Little Rock, AR Car Insurance Rates by Credit Score
The Cheapest Little Rock, AR Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Little Rock, AR
Average Monthly Car Insurance Rates by Age & Gender in Little Rock, AR