How to find the cheapest car insurance in Little Rock
On average, car insurance in Little Rock costs $60 per month for minimum liability coverage, or about $153 per month for full-coverage insurance. Little Rock drivers pay close. to the Arkansas state average.
Smart car insurance shoppers in Little Rock, Arkansas turn to Jerry every month, because Jerry makes it easy for customers to compare and purchase affordable car insurance. Below are some of the cheapest car insurance quotes Jerry found for customers in Little Rock.
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Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Progressive | $663 | 36 | 72404 | Dodge Challenger Sxt | 25/50 | Yes |
| Gainsco | $172 | 28 | 72401 | Nissan Versa S | 25/50 | Yes |
| Aspen | $218 | 31 | 72405 | Audi Q7 Premium Plus | 25/50 | Yes |
| Progressive | $845 | 22 | 72405 | Ford Ranger Super | 25/50 | No |
| Bristol West | $332 | 26 | 72401 | Chevrolet Malibu Ls | 25/50 | Yes |
Best car insurance companies in Little Rock
We asked real policyholders about the best car insurance rates in Arkansas in one of the largest shopping surveys in the nation. Here’s what they said:
- Safeco and Dairyland welcomed the highest number of drivers in the state with low rates and great customer service.
- USAA helped military members and their families save with amazing discounts.
- Progressive had a lower rating for policy cost but earned strong ratings for customer service.
When it comes to shopping for car insurance, every customer receives different quotes based on their profile—meaning that the “best” insurance company can be different for everyone.
Aside from the cost of insurance, you’ll also want to consider factors such as claims handling and customer service when choosing a provider.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Safeco | 4.8 | 4.3 | N/A | 4.8 |
| Allstate | 4.8 | 3.7 | N/A | 4.2 |
| Progressive | 4.5 | 4.1 | 4.7 | 4.6 |
| State Farm | 4 | 3 | 3 | 3.6 |
| Geico | 3.3 | 2.5 | N/A | 3 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Little Rock
To legally hit the road in Little Rock, Arkansas, drivers are required to carry set amounts of liability insurance. Liability coverage helps compensate for costs associated with accident-related injuries or property damage for other drivers if you cause a collision while driving.
But minimum liability may not offer enough financial coverage in the event of an accident—so drivers in Little Rock should consider purchasing full coverage for the best protection.
Cheap minimum liability insurance quotes in Little Rock
Minimum liability coverage in Arkansas means at least $25,000 of bodily injury liability coverage per person, $50,000 of bodily injury liability coverage per accident, and $25,000 of property damage liability coverage per accident.
This amount of coverage is commonly simplified to 25/50/25. If you’re looking for the cheapest option for car insurance, this is it.
With this basic liability coverage, you’ll be protected up to your policy’s limits in the event that you are responsible for injuries or property damage while driving.
Do you need more than minimum coverage in Little Rock?
If you’re at fault in a car accident whose damages exceed your liability coverage limits, you’re underinsured.
In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the state’s 25/50/25 limit—especially if you cause serious injuries to another person.
The plaintiff may sue you if the property damages or bodily injuries you caused are severe—and Arkansas car accident laws allow personal injury lawsuits up to three years after an accident!
The bottom line: Raise your coverage level to 50/100/50 if you have space in your budget, especially if you live in a densely-populated area.
Cheap full coverage car insurance quotes in Little Rock
Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your own vehicle.
An average full-coverage car insurance policy includes liability coverage along with collision coverage and comprehensive coverage. Collision coverage pays for any damage to your car caused by an impact with another vehicle or a stationary object. Damages from vandalism, theft, or inclement weather fall under comprehensive coverage.
Lease and financing agreements often require you to carry both collision and comprehensive coverage. On top of a full-coverage policy, you can purchase uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.
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Liability Limits
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Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
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Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| 25/50 | Yes | Aspen | $182 | 50 | 72211 | Kia Optima Lx |
| 25/50 | Yes | National General | $72 | 46 | 72212 | Nissan Maxima S |
| 25/50 | No | National General | $109 | 34 | 72204 | Chevrolet Equinox Ls |
| 25/50 | Yes | National General | $278 | 39 | 72204 | Gmc Terrain Slt |
| 25/50 | No | Trexis | $90 | 36 | 72202 | Mazda 3 I |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.
Jerry, a top insurance agency, offers a free app that lets you compare car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Little Rock
Based on Jerry’s work with drivers in Little Rock, we’ve found that the average annual cost minimum liability coverage is $722 each year. That works out to about $60 per month. For full coverage, Little Rock drivers typically pay $1,834 per year or $153 per month.
While average insurance rates can help you predict your own insurance costs, it’s important to note that every driver’s insurance premium is calculated differently.
Car insurance companies look at many different factors when calculating your annual premiums, including your demographics, driving record, and discount eligibility—so your actual insurance costs could vary significantly from the state averages.
Car insurance quotes in Little Rock by rating factors
Insurance companies in Little Rock use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: Accidents, tickets, or other traffic violations on your driving record could result in higher premiums.
- Your age: Teen and senior drivers often face the highest insurance premiums, as these age groups are considered high-risk among insurers.
- Your vehicle: Liability coverage could cost more for popular models. Collision and comprehensive coverage costs more for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Your annual mileage can play a role in what you pay for coverage. Insurance companies often charge more when you put more miles on your car.
Cheap car insurance quotes in Little Rock after driving violations
A poor driving record is one of the biggest obstacles to finding cheap car insurance rates in Arkansas. Violations on your record can drive up the cost of your annual premiums, especially if you have serious infractions on your record.
Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
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Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Minor | National General | $76 | 45 | 72227 | Acura Tl | 25/50 | Yes |
| Speeding 16-20 | Aspen | $983 | 24 | 72207 | Nissan Rogue S | 50/100 | Yes |
| Speeding Violation-Minor | Aspen | $77 | 34 | 72209 | Volvo S80 | 25/50 | No |
| Speeding 16-20 | Aspen | $88 | 27 | 72209 | Toyota Camry Le | 25/50 | No |
| Speeding Violation-Minor | Progressive | $69 | 36 | 72209 | Honda Civic Ex | 25/50 | No |
Cheapest car insurance in Little Rock after DUI
Under Arkansas’s DUI laws, a conviction for driving with a blood-alcohol level of 0.08% or higher will remain on your driving record for five years.
That’s five years of sky-high car insurance premiums! Not to mention the possibility of expensive fines, license suspension, and possible jail time.
Cheapest car insurance in Little Rock after an at-fault accident
If an at-fault car accident derailed your insurance rates, trust Jerry to help you find affordable quotes like these Arkansas drivers did:
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Accident type
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Insurance Company
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Premium (monthly)
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Age
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Zip Code
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Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Not At Fault | National General | $76 | 45 | 72227 | Acura Tl | 25/50 | Yes |
| At Fault With No Injury | Trexis | $445 | 55 | 72205 | Ford Fusion Se | 25/50 | Yes |
| At Fault With No Injury | Aspen | $983 | 24 | 72207 | Nissan Rogue S | 50/100 | Yes |
| At Fault With No Injury | National General | $278 | 39 | 72204 | Gmc Terrain Slt | 25/50 | Yes |
| At Fault With No Injury | Aspen | $350 | 30 | 72209 | Ford Fusion Se | 50/100 | Yes |
Cheapest car insurance in Little Rock after other driving violations
Car insurance premiums are sensitive to any mistake, big or small—whether it’s a speeding ticket, DUI conviction, or any other traffic violation. Here are some examples of how Jerry has helped other Little Rock drivers find cheap car insurance despite previous violations.
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Violation
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Insurance Company
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Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Careless Driving | Progressive | $258 | 42 | 72206 | Toyota Corolla | 25/50 | No |
| Failure to Stop | Aspen | $80 | 30 | 72206 | Dodge Charger Sxt | 25/50 | No |
| Driving on Sus. License | National General | $101 | 42 | 72205 | Jeep Grand Cherokee Laredo | 25/50 | No |
| Careless Driving | Gainsco | $315 | 35 | 72204 | Toyota Camry | 25/50 | No |
| Driving on Sus. License | National General | $108 | 32 | 72206 | Toyota Corolla L | 25/50 | No |
Cheap car insurance quotes in Little Rock by age
Teen drivers will want to mark their calendars for their 25th birthday—because that’s when car insurance rates typically start to decline for young drivers. At age 75 rates begin to rise again.
Whether you’re a teenage driver or senior driver who falls outside this golden bracket, here’s how to make the most of your age.
Cheapest car insurance in Little Rock for young drivers
Teen drivers aged 16 to 19 are most likely to be involved in an accident. This risk—coupled with a limited driving and insurance history—means that teen drivers pay the highest premiums of any age group.
Consider a full-coverage car insurance policy if you’re insuring an inexperienced driver. No matter who is at fault for an accident, collision coverage will pay for repairs to your teen’s vehicle.
Cheapest car insurance in Little Rock for senior drivers
Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies. This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.
As a result, insurance providers feel justified in charging seniors higher rates for car insurance. The exception comes with companies like AARP, which specifically insure older adults and offer some of the best car insurance rates for seniors.
Cheap car insurance quotes in Little Rock based on insurance history
Another factor that can impact your rates is your insurance history—i.e., whether you are currently insured or not. Any lapse in coverage usually leads to an increase in car insurance rates.
To stop a car insurance lapse from impacting your rates, call your provider and ask if they offer a grace period, and whether they can reinstate your policy. If not, try shopping around for a better rate.
Cheap car insurance quotes in for drivers with poor credit
Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though credit scores don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
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Credit Score
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Insurance Company
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Monthly Quote
|
Age
|
Zip Code
|
Car Make Model Trim
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 550-659 | National General | $297 | 20 | 72209 | Hyundai Tiburon Gs | 25/50 | No |
| 550-659 | National General | $73 | 34 | 72206 | Ford F-150 | 25/50 | No |
| 550-659 | National General | $76 | 45 | 72227 | Acura Tl | 25/50 | Yes |
| 550-659 | Progressive | $152 | 25 | 72204 | Nissan Altima 2.5 | 25/50 | No |
| 550-659 | Trexis | $445 | 55 | 72205 | Ford Fusion Se | 25/50 | Yes |
Cheap car insurance quotes in Little Rock for popular cars
The cheapest cars to insure have low repair costs, great security systems, and excellent safety ratings. Insurance providers love these vehicles, because there’s less likelihood of pricey repair bills, auto theft, and costly crash injuries.
For most Arkansas drivers, these five models are the cheapest to insure:
- GMC Sierra 1500
- Ford F-150
- RAM 1500 Limited
- Chevrolet Silverado
- Toyota RAV 4
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Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Ford F-150 | National General | $73 | 34 | 72206 | 25/50 | No |
| Chevrolet Silverado C1500 | Trexis | $66 | 32 | 72205 | 25/50 | No |
| Ford F-150 | Progressive | $118 | 37 | 72206 | 25/50 | No |
| Ford F-150 | Dairyland | $127 | 24 | 72206 | 25/50 | No |
| Toyota Rav4 Xle Premium | Progressive | $148 | 26 | 72211 | 100/300 | Yes |
How to lower car insurance costs in Little Rock
1. Shop around and compare quotes
Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place. To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.
That’s where Jerry can help. In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discounts offered—and whether or not you qualify for them—can vary among insurers. Commonly available discounts for Arkansas drivers include:
- Good driver discounts: Drivers with a clean driving record and claims-free insurance history typically enjoy lower rates—and often receive discounts anywhere from 10% to 30% off their insurance premiums.
- Telematics discounts: Many providers offer discounts to drivers who use telematics to monitor their driving habits. You might even get a discount just for enrolling!
- Good student discounts: Full-time high school and college students that maintain a B average or higher may qualify for a discounted car insurance rate.
- Bundling discounts: Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, opting for a higher deductible can help keep your monthly expenses low without sacrificing coverage.
FAQ
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Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
