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Best Cheap Auto Insurance in Little Rock, AR (2021)

Things to Remember

  • The best cheap auto insurance in Little Rock, Arkansas comes from USAA.
  • Auto insurance rates in Little Rock are impacted by traffic congestion and auto theft rates.
  • Little Rock car insurance costs are the highest in the state of Arkansas.

Little Rock, Arkansas auto insurance costs are the most expensive in the state.

Read through our guide to learn how to secure affordable Little Rock, AR auto insurance rates regardless of your age and driving record.

Table of Contents

Monthly Little Rock, AR Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the 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

What city you reside in will impact your car insurance. That’s why it’s essential to compare Little Rock, AR against other top US metro areas’ auto insurance costs.

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When you’re ready, buy Little Rock, AR car insurance by entering your ZIP code into our free quote tool above.

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

The cheapest Little Rock, AR auto insurance company is USAA, with costs averaging $200 per month or $2,404 annually.

However, only military personnel are eligible to use USAA. State Farm offers the next lowest average rates in your city and is available to everyone.

The cheapest Little Rock, AR car insurance providers can be found below. You also might be wondering, “How do those Little Rock, AR rates compare against the average Arkansas car insurance company rates?” We uncover that too.

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Below, see a list of the top insurance providers in Little Rock from least to most expensive:

  • USAA – $2,404.57
  • State Farm – $3,462.26
  • GEICO – $3,667.46
  • Liberty Mutual – $4,572.41
  • Nationwide – $4,712.05
  • Farmers – $4,741.11
  • Progressive – $5,731.62
  • Allstate – $6,008.83
  • Travelers – $7,023.87

Your Little Rock, AR auto insurance quotes may be higher or lower depending on your age, driving record, and the level of coverage you require.

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

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

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

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

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

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Age is a significant factor for Little Rock, AR car insurance rates. Young drivers are often considered high-risk. This Little Rock, Arkansas does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Little Rock, AR.

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

Little Rock residents are legally obligated to carry the Arkansas state minimum auto insurance requirements.

Getting caught driving without insurance can lead to hefty fines and suspension of vehicle registrations.

Arkansas requires you to purchase the following coverage amounts:

  • $25,000 per person and $50,000 per accident in bodily injury liability coverage.
  • $25,000 per accident in property damage liability.
  • Optional $5,000 minimum in Personal Injury Protection (PIP) must be offered.

Arkansas is an at-fault state. If you are found liable for an accident, you are responsible for paying for any personal injury or property claims.

What affects auto insurance rates in Little Rock, AR?

Little Rock auto insurance costs are influenced by mild traffic congestion and high vehicle theft rates.

Data from the annual traffic scorecard report by INRIX place Little Rock as the 241st most congested city in the country. Limited access to public transportation in Little Rock means more drivers on the roads.

According to City-Data, the average commute time for Little Rock residents is 17.3 minutes, shorter than the national average of 26 minutes.

Auto theft statistics in your city also impact your auto insurance costs. The Federal Bureau of Investigation (FBI) recorded 1,130 car theft incidents in 2017. That’s a rate of 566.9 thefts per every 100,000 people.

Little Rock, AR Auto Insurance: The Bottom Line

Little Rock car insurance rates are the highest in the state of Arkansas.
However, you can secure cheap auto insurance premiums by comparing quotes from multiple providers and seeking auto insurance discounts.

Compare Little Rock, AR auto insurance quotes for free now by entering your ZIP code into our tool below.

References:

  1. https://inrix.com/scorecard-city/?city=Little%2C%20Rock%20AR&index=911
  2. http://www.city-data.com/city/Little-Rock-Arkansas.html
  3. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/arkansas.xls

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