Best Car Insurance in Little Rock 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Little Rock.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
August 31, 2021Honda Accord LX7220972Progressive$130/mo.$76/mo.
January 19, 2021Honda Civic Touring7220639Progressive$240/mo.$93/mo.
June 29, 2021Chrysler Town & Country Touring7220232Dairyland$260/mo.$128/mo.
August 20, 2021Toyota Highlander LE7222730Progressive$167/mo.$136/mo.
August 25, 2021GMC Sierra C15007220240Allstate$195/mo.$168/mo.
Here’s more information about what impacts the insurance rates in your Little Rock.

How much does car insurance cost in Little Rock?

Car insurance in Little Rock, Arkansas costs single-car drivers an average of $2,645 annually, or about $220 per month. Compared to the state annual average of $2,593, auto insurance in Little Rock is $51 higher higher.
Both the capital and most populous city in Arkansas, Little Rock is the state’s cultural and economic hub. With a population of over 200,000, Little Rock is home to a wide variety of cultural sights, shopping centers, and must-see museums.
One thing that might not be so little in Little Rock? Your car insurance bill. Thankfully, insurance broker Jerry is here to help.
Jerry is an app created to make insurance shopping easy. After a free, fast sign-up, Jerry provides its users with dozens of competitive car insurance quotes to peruse and compare. Plus, with personalized recommendations and policy filters, you’ll find your dream policy in no time. Join Jerry today!
Here’s a rundown of what you need to know about car insurance in Little Rock.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Little Rock$2,912$2,053$2,536$1,591$5,280$4,132
National Average$3,223$2,143$3,086$1,764$3,423$2,486
Little RockNational Average
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
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Choosing a carrier in Little Rock

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
What insurance carrier you choose affects more than just your rates. It also impacts the policies available to you, the discounts you can benefit from, and the level of customer service you can expect.
Auto Owners is a regional change that is popular with locals. GEICO and USAA are also popular.
Here’s what drivers pay with some of the most popular insurance providers in Little Rock before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Dairyland$3,189$1,256Compare Prices
Progressive$3,219$1,107Compare Prices
State Auto$3,680$879Compare Prices
Allstate$2,356$765Compare Prices
Safeco$2,680$663Compare Prices
Travelers$2,372$591Compare Prices
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What kind of car insurance you need in Little Rock

In Little Rock, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
All drivers in the state of Arkansas must adhere to the state’s minimum auto insurance requirements.
The Arkansas state minimums are:
Be sure to carry proof of insurance in your vehicle. You’ll need it if you get pulled over or if you are involved in an accident.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
While the state minimum will help you if you cause damage to other vehicles or drivers, it does not protect you or your car.
Consider these recommended additional coverages to keep you fully protected in Little Rock:
FactorRecommended coverageDescription
Crowded roadsCollision insuranceLittle Rock is Arkansas’ most populous city. The roads are often crowded with traffic, raising the chance of a collision. Protect yourself from crash damage with collision coverage.
Property crimeComprehensive coverageWith a property crime rate almost triple the national average, Little Rock drivers are more likely to be victims of car theft or car vandalism. Keep yourself covered from these crimes with comprehensive insurance.
TrafficAccident forgivenessWith commuters heading in and out of Little Rock, your chase of a collision rises. Accident forgiveness will stop your first incident from ruining your insurance rates.
Road tripsRoadside assistanceNeed a break from the big city? Hit the road with roadside assistance, which will keep you protected from mishaps like flat tires, dead batteries, and more.

What determines your car insurance cost in Little Rock

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Little Rock, you could be paying as much as $122 more per month than an adult driver. These are average rates for Jerry customers in Little Rock broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Little Rock with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,824$854
Failure to Obey Traffic Sign$5,690$1,396
Speeding under 15$2,781$510
Careless Driving$2,040$352
Driving on Sus. License$3,696$216
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Where in Little Rock you live

It may seem like insurance rates in Little Rock should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Little Rock, residents of 72209, 72223, 72202, 72205 and 72204 will have the most expensive car insurance rates, while people who live in 72207, 72212, 72210, 72103 and 72227 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Little Rock:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
September 30, 202172209Chevrolet Cobalt LTAR32Allstate$153/mo.$57/mo.
October 11, 202172223Honda Pilot LXAR36Dairyland$160/mo.$66/mo.
August 8, 202172205Infiniti Q50 BaseAR44State Auto$160/mo.$112/mo.
October 7, 202172211Honda Civic LXAR28Gainsco$295/mo.$217/mo.
October 6, 202172204Dodge Charger R/TAR27Safeco$290/mo.$222/mo.
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Why is car insurance in Little Rock so expensive?

A variety of considerations determine baseline car insurance rates in Little Rock. Insurance companies often consider the following:
Here are a few factors that are causing your insurance bill to be so expensive in Little Rock.

City size

Urban areas almost always have higher insurance costs than rural areas. This is because there are more cars on the road and more congestion.
As the biggest city in Arkansas, the chance of a collision is higher than in other parts of the state, leading to more expensive monthly bills.

Crime rate

Little Rock has an extremely high crime rate, with residents having a one in sixteen chance of being a victim of property crime.
This greatly increases the chance of a comprehensive insurance payout. To offset this added risk, insurance companies may raise their rates.

Uninsured drivers

Almost 20% of Arkansas drivers are illegally uninsured. If you’re involved in an accident with an uninsured driver, your provider is more likely to payout. This can lead to a spike in insurance prices.

How can you save money on car insurance in Little Rock?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

You know what rocks in Little Rock? Qualifying for insurance discounts!
That’s right, you can save on your insurance bill by using discounts offered by your insurance company. Plus, these discounts can usually be stacked, allowing for more savings.
Good gradesStudents can use their As to save—good grades are often rewarded with insurance discounts.
Driving coursesTaking defensive driving classes can earn you a discount.
TelematicsTrack your safe driving habits using your insurance provider’s mobile app. The better you drive, the more you can save.
Green vehicleDrive an electric or hybrid car to receive a discount.
Safety featuresDrivers who keep their cars protected with advanced safety features can save.
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