Little Rock, AR Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Little Rock.
How much does car insurance cost in Little Rock?
The typical Little Rock driver pays $973 per six-months for auto insurance. That's more expensive than the average in Arkansas ($849) and more expensive than the national average of $880. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Little Rock. Read on to learn more!
| Car insurance in Little Rock vs. Arkansas | Average 6 Mo. Premium |
|---|---|
| Little Rock average | $973 |
| Arkansas average | $849 |
The Zebra's key takeaways about car insurance in Little Rock:
- The average cost of a car insurance policy in Little Rock is $973 per six-month policy — $162 per month.
- The cheapest company in Little Rock is Liberty Mutual ($670).
- 32% of Zebra customers in Little Rock stated they used our product because they were need insurance now for car insurance with their current provider.
Are you paying too much for auto insurance?
Little Rock car insurance rates by company
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, Liberty Mutual offers Little Rock's cheapest rates. See below the best options for affordable auto insurance in Little Rock. Don't forget to get car insurance quotes based on your driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| Liberty Mutual | $670 |
| State Farm | $678 |
| Southern Farm Bureau | $840 |
| Shelter | $842 |
| Progressive | $939 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Little Rock.
Little Rock auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 27% of Little Rock drivers. The age group that pays the least for car insurance in Little Rock are drivers in their 50s ($852 per six-months). Rates for Little Rock drivers in their 60s are also relatively affordable, at just $882 per six-months.
Teen drivers pay Little Rock's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Little Rock is to age out of your teens. The difference in rates paid by teenage drivers and drivers in their 20s is $5,534 more than the second-most expensive rate paid by an age group.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $3,649 |
| 20s | $1,300 |
| 30s | $943 |
| 40s | $897 |
| 50s | $852 |
| 60s | $882 |
| 70s | $1,070 |
Little Rock car insurance rates by credit score
Credit score is often closely correlated with car insurance costs. In Little Rock, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 53% drop in car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Little Rock, improving your credit to "Fair" corresponds with a $557 decrease in six-month car insurance rates. Our data tells us 42% of drivers in Little Rock have a credit score of average (580-679).Â
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| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,731 |
| Fair | $1,173 |
| Good | $973 |
| Very Good | $895 |
| Exceptional | $819 |
Little Rock car insurance rates by violation
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault accidents, DUIs and DWIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as auto insurance companies reward low-risk drivers with the gift of affordable rates.
Little Rock drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $912 per year versus the city average. A ticket for speeding results in a $561 rate hike while a DWI or DUI violation costs $815 per year in extra insurance expenditures.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $1,380 |
| Reckless Driving | $1,429 |
| At-fault Accident (damages < $1,000) | $1,389 |
| At-fault Accident (damages greater than $2,000) | $1,490 |
| Speeding Ticket (16-20 mph over speed limit) | $1,253 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.