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Car insurance coverage in Little Rock costs an average of $1,461 annually for full coverage. That's $14 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Little Rock, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.

Read this guide to find out which insurance companies in Little Rock provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.

Cheapest car insurance companies in Little Rock

United Svcs Automobile Assn is the cheapest car insurance company in Little Rock with an average cost of $915 per year, based on insurance.com's rate analysis. While Geico is second in terms of the cheapest car insurance companies in Little Rock. The table below shows how major insurance carriers rank for price.

CompanyAverage Annual Rates
United Svcs Automobile Assn$915
GEICO Advantage Ins Co$1,000
Standard Fire Ins Co$1,114
Nationwide General Ins Co$1,242
State Farm Mutl Automobile Ins$1,302
Progressive Northwestern Ins$1,386
Automobile Club Inter-Ins$1,402
Farmers Ins Co$1,438
Auto-Owners Ins Co$1,439
Allstate P&C Ins Co$1,970
Metropolitan P&C Ins Co$2,867

Cheapest car insurance cost in Little Rock by age group

Among the carriers surveyed by Insurance.com, Geico Gen Ins Co is the cheapest car insurance company for adult drivers. It offers insurance at about $1,338 a year or $112 a month.

Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Progressive Northwestern Ins Co is also the cheapest auto insurance company for seniors with an average cost of $1,325 annually.

Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.

Geico Gen Ins Co offers the cheapest car insurance for young adults in Little Rock at about $2,062 a year. While Geico Gen Ins Co is the cheapest insurance provider for teen drivers for full coverage at an average of $4,332 a year.

The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.

Company NameAdultsSeniorsTeensYoung Adults
Geico Gen Ins Co$1,338$1,575$4,332$2,062
Progressive Northwestern Ins Co$1,530$1,325$8,688$2,525
State Farm Mut Auto Ins Co$1,557$1,477$4,345$2,586
Nationwide Prop & Cas Ins Co$1,815$2,247$6,717$3,343
Farmers Ins Co Inc$2,030$1,863$10,832$3,026
Allstate Prop & Cas Ins Co$2,691$2,681$11,108$4,065

Cheapest car insurance companies in Little Rock by driver profile

Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.

However, you can still find affordable coverage in Little Rock no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.

  • Cheapest for a driver with Poor Credit: Geico
  • Cheapest for a driver with a speeding ticket: United
  • Cheapest for accident: United
  • Cheapest for DUI: Geico

Cheapest for a driver with poor credit: Geico

Geico is the cheapest car insurance company for a driver with poor credit in Little Rock. Its average annual rate is $2,110 or $176 a month.

Insurance companies often require that car drivers have good credit scores, and those with bad or poor credit may face more expensive rates.

CompanyAvgerage Annual Rates
Geico$2,110
United$2,385
Standard Fire Ins Co$2,852
Farmers Ins$2,875
Nationwide$3,151
Automobile Club Inter-Ins$3,519
Progressive$3,825
Allstate$4,362
Auto-Owners Ins Co$5,975
State Farm$9,235
Metropolitan$11,010

Cheapest auto insurance for drivers with a speeding ticket: United

United is the cheapest auto insurance company for a driver with a speeding ticket in Little Rock. Its average annual premium is $1,575 annually or $131 per month.

If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.

CompanyAvgerage Annual Rates
United$1,575
Geico$1,668
State Farm$1,906
Farmers Ins$2,399
Standard Fire Ins Co$2,506
Auto-Owners Ins Co$2,803
Progressive$3,017
Nationwide$3,095
Automobile Club Inter-Ins$3,165
Allstate$3,296
Metropolitan$9,926

Cheapest auto insurance after an at-fault accident: United

United offers the cheapest car insurance rates for a driver with an accident record in Little Rock at about $1,860 per year. Apart from United, State Farm, Geico, and Standard Fire are other cheap insurance companies on our list.

CompanyAvgerage Annual Rates
United$1,860
State Farm$2,063
Geico$2,332
Standard Fire Ins Co$2,347
Farmers Ins$2,564
Nationwide$2,971
Auto-Owners Ins Co$3,449
Automobile Club Inter-Ins$3,558
Progressive$3,659
Allstate$4,227
Metropolitan$9,641

Cheapest auto insurance after a DUI: Geico

Geico is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $1,620 year.

If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.

CompanyAvgerage Annual Rates
Geico$1,620
State Farm$1,906
United$2,417
Farmers Ins$2,473
Standard Fire Ins Co$2,476
Progressive$2,661
Automobile Club Inter-Ins$3,539
Allstate$3,830
Auto-Owners Ins Co$4,656
Nationwide$5,016
Metropolitan$11,073

Average car insurance cost in Little Rock

The average car insurance rate in Little Rock is $1,461 a year for a full coverage policy of 100/300/100 for a driver age 30, $14 more than the national average of $1,447.

The average annual premium in Little Rock for minimum coverage is $481 a year or $40 a month, based on Insurance.com's rate analysis.

Average Annual RatesState Minimum Average
$1,461$481