Cheap Car Insurance in Little Rock

Written by Xuyun Zeng and 1 other
Updated Mar 18, 2025
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Cheap Car Insurance in Little Rock

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There’s plenty to see and do in Little Rock, from tooling around the Capitol to soaking up picturesque views along the Arkansas River. However, bridges over the river can create bottlenecks, especially during rush hour, and sudden storms or winter ice make conditions unpredictable. Ongoing development and a growing population add to congestion in key areas.

A robust car insurance policy can protect your finances if you’re in an accident. Jerry can help drivers in Little Rock find the best deals on car insurance, and understand how factors like age, ZIP code and driving history can affect the cost of coverage.

Cheapest minimum coverage in Little Rock

These are the cheapest quotes that drivers in Little Rock have received via Jerry for minimum coverage.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$41 $490 National General 52 January 17, 2025 Little Rock, AR 72209
$43 $514 Progressive 40 March 5, 2025 Little Rock, AR 72201
$43 $516 National General 46 July 24, 2024 Little Rock, AR 72206
$45 $538 Trexis 58 October 20, 2024 Little Rock, AR 72209
$46 $552 National General 58 October 20, 2024 Little Rock, AR 72209
$46 $556 Progressive 32 March 15, 2025 Little Rock, AR 72227
$47 $559 Progressive 28 March 21, 2025 Little Rock, AR 72205
$48 $574 National General 45 February 6, 2025 Little Rock, AR 72211
$51 $616 Aspen 58 October 20, 2024 Little Rock, AR 72209
$52 $620 National General 80 September 29, 2024 Little Rock, AR 72207
Last Updated Mar 24, 2025

Arkansas requires drivers to carry these minimum coverages:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $25,000 in property damage liability.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

Cheapest full coverage in Little Rock

Arkansas has seen a few cases of severe weather such as tornadoes, hail, heavy snow and floodings in the past 10 years. If your car is damaged by bad weather, minimum coverage won’t pay for your repairs, however full coverage could. These are the cheapest quotes that drivers in Little Rock have received via Jerry for full coverage.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$47 $559 Progressive 28 March 21, 2025 Little Rock, AR 72205
$64 $768 National General 49 December 17, 2024 Little Rock, AR 72202
$66 $786 Progressive 51 March 13, 2025 Little Rock, AR 72206
$68 $816 National General 40 February 18, 2025 Little Rock, AR 72227
$71 $852 National General 37 October 23, 2024 Little Rock, AR 72211
$72 $858 National General 47 December 9, 2024 Little Rock, AR 72212
$72 $868 Progressive 31 March 12, 2025 Little Rock, AR 72205
$74 $886 National General 34 March 5, 2025 Little Rock, AR 72211
$75 $902 National General 34 February 22, 2025 Little Rock, AR 72206
$76 $908 National General 46 December 14, 2024 Little Rock, AR 72227
Last Updated Mar 24, 2025

Cheapest car insurance for young drivers in Little Rock (18-29 years old)

Young drivers typically pay more for auto insurance because they have limited driving experience. It’s a good idea to shop around for quotes to ensure you’re getting the most affordable coverage possible. These are the cheapest quotes that drivers between 18 and 29 years old in Little Rock have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$47 $559 Progressive 28 Yes March 21, 2025 Little Rock, AR 72205
$47 $559 Progressive 28 No March 21, 2025 Little Rock, AR 72205
$66 $790 National General 27 No August 11, 2024 Little Rock, AR 72202
$68 $812 Trexis 25 No January 20, 2025 Little Rock, AR 72227
$73 $876 National General 24 No March 14, 2025 Little Rock, AR 72211
Last Updated Mar 24, 2025

Cheapest car insurance for mature drivers in Little Rock (30-54 years old)

Drivers between 30 and 54 years old typically pay less for auto insurance than younger drivers. These are the cheapest quotes that mature drivers in Little Rock have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$39 $468 National General 38 No February 3, 2025 Little Rock, AR 72212
$41 $490 National General 52 No January 17, 2025 Little Rock, AR 72209
$43 $514 Progressive 40 No March 5, 2025 Little Rock, AR 72201
$43 $516 National General 46 No July 24, 2024 Little Rock, AR 72206
$46 $556 Progressive 32 No March 15, 2025 Little Rock, AR 72227
Last Updated Mar 24, 2025

Cheapest car insurance for older drivers in Little Rock (55+ years old)

Drivers 55 and older typically pay a low rate for car insurance, though rates may tick upward at around 70 years old. These are the cheapest quotes that older drivers in Little Rock have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$45 $538 Trexis 58 October 20, 2024 Little Rock, AR 72209 No
$46 $552 National General 58 October 20, 2024 Little Rock, AR 72209 No
$51 $616 Aspen 58 October 20, 2024 Little Rock, AR 72209 No
$52 $620 National General 80 September 29, 2024 Little Rock, AR 72207 No
$56 $668 Trexis 70 July 7, 2024 Little Rock, AR 72211 No
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with clean records in Little Rock

Driving safely and avoiding accidents, fines and insurance claims typically gets you a lower premium. Here are the cheapest quotes that drivers in Little Rock with clean records have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$41 $490 National General 52 January 17, 2025 No Little Rock, AR 72209
$43 $514 Progressive 40 March 5, 2025 No Little Rock, AR 72201
$45 $538 Trexis 58 October 20, 2024 No Little Rock, AR 72209
$46 $552 National General 58 October 20, 2024 No Little Rock, AR 72209
$48 $574 National General 45 February 6, 2025 No Little Rock, AR 72211
$51 $616 Aspen 58 October 20, 2024 No Little Rock, AR 72209
$52 $620 National General 80 September 29, 2024 No Little Rock, AR 72207
$56 $668 Trexis 70 July 7, 2024 No Little Rock, AR 72211
$56 $676 Trexis 45 July 14, 2024 No Little Rock, AR 72207
$58 $692 Trexis 80 September 29, 2024 No Little Rock, AR 72207
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with low credit scores in Little Rock

Arkansas allows insurers to use your credit score to determine your premium. A low credit score may cause your rates to be higher. These are the cheapest quotes that drivers in Little Rock with credit scores below 550 have received via Jerry.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $56 $676 Trexis 45 July 14, 2024 Little Rock, AR 72207
<550 $61 $732 Trexis 45 August 29, 2024 Little Rock, AR 72207
<550 $68 $818 Trexis 45 July 16, 2024 Little Rock, AR 72207
<550 $68 $818 Aspen 50 May 14, 2024 Little Rock, AR 72223
<550 $71 $848 Aspen 45 July 16, 2024 Little Rock, AR 72207
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with at-fault accidents in Little Rock

If you’ve recently been in an at-fault accident, your premium may rise. Compare various quotes to ensure you’re getting the cheapest rate possible. Here are the cheapest quotes that Jerry has served to customers in Little Rock with at-fault accidents.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $39 $468 National General 38 No February 3, 2025 Little Rock, AR 72212
At Fault With No Injury $43 $516 National General 46 No July 24, 2024 Little Rock, AR 72206
At Fault With No Injury $46 $556 Progressive 32 No March 15, 2025 Little Rock, AR 72227
At Fault With No Injury $68 $812 Trexis 25 No January 20, 2025 Little Rock, AR 72227
At Fault With No Injury $71 $850 Trexis 35 No June 28, 2024 Little Rock, AR 72206
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with speeding tickets in Little Rock

If you’ve recently been cited for speeding, your rates could rise when your policy is up for renewal. Shop around to ensure you’re getting the best rate possible. These are the cheapest quotes that drivers with speeding tickets in Little Rock have received via Jerry.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $53 $630 Trexis 46 June 9, 2024 Little Rock, AR 72227
Speeding under 15 $60 $717 Trexis 46 December 14, 2024 Little Rock, AR 72227
Speeding under 15 $66 $792 National General 46 December 14, 2024 Little Rock, AR 72227
Speeding under 15 $67 $806 Trexis 46 January 10, 2025 Little Rock, AR 72227
Speeding under 15 $68 $818 Aspen 50 May 14, 2024 Little Rock, AR 72223
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with DUIs in Little Rock

A DUI may cause your premium to rise, and insurers may consider you a “high-risk” driver, which could make it difficult to find coverage. Compare auto policies to get the right coverage at the cheapest rate. These are the cheapest quotes that drivers in Little Rock with DUIs have received via Jerry.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
DUI $88 $1,050 National General 33 July 4, 2024 Little Rock, AR 72206
DUI $100 $1,202 Trexis 33 July 4, 2024 Little Rock, AR 72206
DUI $108 $1,290 National General 33 July 14, 2024 Little Rock, AR 72206
DUI $124 $1,489 National General 33 July 5, 2024 Little Rock, AR 72206
DUI $144 $1,726 Trexis 33 July 14, 2024 Little Rock, AR 72206
Last Updated Mar 24, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.