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If you're looking for the best and cheapest car insurance in Little Rock, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Little Rock and prepared this guide for you.

The average cost of auto insurance in Little Rock for full coverage is $1,522 per year for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.

The following guide will help you find the best car insurance companies in Little Rock. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.

Cheapest car insurance companies in Little Rock

According to a study by Insurance.com, the cheapest car insurance companies in Little Rock for 2023 are USAA and Geico.

USAA is the cheapest option for most Little Rock drivers, with an average annual rate of $1,076.

Car insurance cost may vary in Little Rock based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Little Rock

CompaniesAverage Annual Rates
USAA$1,076
Geico$1,092
Travelers$1,374
Nationwide$1,415
Auto-Owners$1,442
State Farm$1,496
Farmers$1,510
Auto Club Enterprises (AAA)$1,674
Progressive$1,747
Allstate$2,396

Cheapest car insurance cost in Little Rock by Age Group

The cheapest auto insurance company in Little Rock for teen drivers is USAA. For full coverage, its average annual rate for Little Rock drivers is $3,790. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for insurance.

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on your parents' car insurance policy for as long as possible.

USAA is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Little Rock at about $1,615 per year.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Little Rock is the USAA. Its average rate for a full coverage car insurance policy is $1,099 per year.

If you are a senior driver in Little Rock and looking for a cheap car insurance company, then consider buying insurance from the Geico. It is the cheapest auto insurance company for senior drivers with an average premium of $1,021 per year.

CompaniesAdultsSeniorsTeensYoung Adults
Allstate$2,434$2,495$10,603$3,989
Auto Club Enterprises (AAA)$1,706$1,570$8,845$3,328
Auto-Owners$1,501$1,472$5,018$2,590
Farmers$1,512$1,513$7,392$2,213
Geico$1,104$1,021$3,917$1,757
Nationwide$1,441$1,387$6,021$2,771
Progressive$1,783$1,810$9,202$3,057
State Farm$1,544$1,435$4,973$2,776
Travelers$1,429$1,421$4,342$2,253
USAA$1,099$1,082$3,790$1,615

Cheapest car insurance companies in Little Rock by driver profile

Car insurance rates in Little Rock vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

To find the cheapest car insurance company in Little Rock, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.

Here are some of the cheapest car insurance companies in Little Rock based on driver profile.

Cheapest for a driver with poor credit: Geico

The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Little Rock drivers at about $1,504 per year.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit score.

CompaniesAverage Annual Rates
Geico$1,504
USAA$2,059
Farmers$2,150
Nationwide$2,171
Travelers$2,378
Auto Club Entreprises$2,576
Progressive$2,972
Allstate$3,514
Auto-Owners$4,707
State Farm$7,165

Cheapest for drivers with a speeding ticket: Geico

Geico offers the cheapest auto insurance rates for drivers with a speeding ticket in Little Rock. It offers full coverage car insurance for drivers age 30 at about $1,200 per year.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.

CompaniesAverage Annual Rates
Geico$1,200
USAA$1,307
State Farm$1,488
Nationwide$1,527
Farmers$1,836
Travelers$2,014
Auto-Owners$2,123
Auto Club Entreprises$2,188
Progressive$2,393
Allstate$2,635

Cheapest auto insurance after an at-fault accident: State Farm

State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Little Rock is $1,605. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.

CompaniesAverage Annual Rates
State Farm$1,605
USAA$1,611
Geico$1,715
Travelers$1,906
Farmers$1,983
Nationwide$2,423
Auto Club Entreprises$2,604
Auto-Owners$2,670
Progressive$3,128
Allstate$3,350

Cheapest auto insurance after a DUI: Geico

Geico is the carrier that offers cheap auto insurance rates in Little Rock for drivers after a DUI. Its average annual rate for full coverage is $1,184.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.

CompaniesAverage Annual Rates
Geico$1,184
State Farm$1,488
Farmers$1,906
Progressive$2,061
Travelers$2,067
USAA$2,112
Auto Club Entreprises$2,588
Allstate$3,038
Auto-Owners$3,559
Nationwide$4,389

Average car insurance cost in Little Rock

The average car insurance rate in Little Rock for full coverage is $1,522 per year or $127 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Little Rock is $452 per year.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.

Average Annual RatesState Minimum Average
$1,522$452

Methodology

Insurance.com commissioned 2022 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2022.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Arkansas

Hope
$1,505/year
Hot Springs
$1,457/year
Newport
$1,373/year
Sherwood
$1,410/year
West Memphis
$1,548/year

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