Best Little Rock, AR Auto Insurance in 2024 (Check Out the Top 10 Companies)

Top Little Rock AR Pick: State Farm

17,759 reviews

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4.1

Company Facts

Full Coverage in Little Rock AR

$205/mo

A.M. Best Rating

B

Complaint Level

High

» State Farm Auto Insurance Review

17,759 reviews

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Best Little Rock AR Rates: Geico

19,116 reviews

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4.1

Company Facts

Full Coverage in Little Rock AR

$190/mo

A.M. Best Rating

A++

Complaint Level

High

» Geico Auto Insurance Review

19,116 reviews

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Best Little Rock AR Tools: Progressive

13,128 reviews

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4.1

Company Facts

Full Coverage in Little Rock AR

$210/mo

A.M. Best Rating

A+

Complaint Level

Low

» Progressive Auto Insurance Review

13,128 reviews

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Comparing the leading providers will help Little Rock residents find the best balance between cost and coverage. Don’t forget to consider all your options, including car insurance discounts, to maximize the benefits of your auto insurance policy.

Our Top 10 Company Picks: Best Little Rock, AR Auto Insurance

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	12%	B	Teen Discounts	State Farm
	#2	10%	A++	Competitive Rates	Geico
	#3	11%	A+	Budgeting Tools	Progressive
	#4	18%	A+	Comprehensive Coverage	Allstate
	#5	14%	A	24/7 Support	Liberty Mutual
	#6	9%	A	Personalized Service	Farmers
	#7	13%	A+	Diverse Coverage	Nationwide
	#8	15%	A++	Military Focus	USAA
	#9	10%	A++	Innovative Solutions	Travelers
	#10	13%	A	Young Volunteers	American Family

Enter your five-digit ZIP code into our FREE quote comparison tool above to see rates for the cheapest auto insurance in Little Rock, AR. We’ll help you answer that age-old question, “Who has cheap auto insurance near me?

Little Rock Auto Insurance Coverage Discounts

As you search for Arkansas auto insurance, also be on the lookout for the available car insurance discounts in Little Rock offered by the best Little Rock auto insurance companies. Many offer a discount for safe drivers, holding multiple policies with them and completing defensive driving courses, which greatly reduces your premiums.

Understanding the available discounts will save you money and make your policy exactly what you need. Browsing among the best Little Rock auto insurance providers will open even more doors to savings so you can get the most for your money.

Auto Insurance Discounts From the Top Providers in Little Rock, AR

Insurance Company	Available Discounts
	Safe Driver, Multi-Policy, New Car, Early Signing, Responsible Payer
	Multi-Policy, Safe Driver, Loyalty, Early Bird, Good Student
	Multi-Policy, Signal (driving habits), Good Driver, Homeowner
	Multi-Policy, Military, Good Driver, Defensive Driving, Federal Employee
	Multi-Policy, Vehicle Safety Features, Paperless, New Car, RightTrack
	Multi-Policy, SmartRide, Accident-Free, Homeowner, Paperless
	Multi-Policy, Snapshot, Continuous Coverage, Good Student
	Multi-Policy, Safe Driver, Good Student, Steer Clear, Drive Safe & Save
	Multi-Policy, IntelliDrive, New Car, Homeownership, Green Vehicle
	Military, Safe Driver, Multi-Vehicle, Loyalty, Vehicle Storage

In addition, most of the best auto insurance companies in Little Rock, AR, offer discounts for continuous coverage and good driving records. If you inquire about all possibilities, savings from auto insurance discounts can pile up and probably provide you with a better package deal.
With these coverage discounts, you’ll be one step ahead when selecting a policy among the best Little Rock auto insurance companies.

Understanding Little Rock Auto Insurance Monthly Rates

Little Rock, AR Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$85	$225
	$80	$210
	$82	$220
	$72	$190
	$88	$215
	$77	$200
	$80	$210
	$78	$205
	$75	$205
	$70	$195

Minimum coverage might not usually include comprehensive and collision coverage, but full coverage normally does. This provides more protection in case of theft, vandalism, or damage from a collision. Progressive and Allstate are known for being strong full-coverage plans.

Drivers in Little Rock, Arkansas, have to compare auto insurance quotes to identify the best one for the driver and where there might be discounts to significantly lower the overall amount spent on car insurance.

Factors Influencing Auto Insurance

Little Rock, AR auto insurance rates can be calculated in many ways. Fortunately, not all of it is out of your control. There are plenty of actions you can take to earn discounts.

Which companies offer the lowest average auto insurance rates in Little Rock? Find out in the table below.

Little Rock, AR Average Annual Auto Insurance Rates by Company

As you can see, USAA offers the lowest rates regardless of your age or gender. However, USAA is a military auto insurance company, so those policies are not available to everybody. Luckily, State Farm and Geico are also great options.

However, the most affordable insurance company for you will depend on your unique needs and demographics. Looking at the data in the table, Travelers charge incredibly high and unreasonable rates for teenage male drivers. However, it’s not the most expensive option for drivers aged 60 and older.

Auto Insurance Coverage Options in Little Rock, AR

Coverage options must tailored when selecting auto insurance; you can obtain that from the best Little Rock auto insurance companies. While every driver in Arkansas guarantees to be insured by the minimum required liability coverage, he or she can complement that with comprehensive and collision coverage to help guard against risks ranging from theft to accidents.

Understanding all the diverse coverage options under a Little Rock auto insurance provider will allow you to choose the type of policy most needed and affordable to one’s budget.

Other benefits some of the best Little Rock car insurance companies offer include roadside assistance and rental reimbursement. Such perks can be quite a stress reliever and make driving much easier.

When choosing coverage options, balancing what you want with what you can afford is crucial to ensuring you have good protection from the best Little Rock auto insurance providers without spending more than you should.

Cheapest auto insurance rates by ZIP codes

Your Little Rock ZIP code will affect your auto insurance costs. The lowest rates are found typically in regions with a lower population density. Fewer vehicles on the road mean fewer chances of experiencing a significant car accident with another driver.

This relationship highlights how auto insurance rates by ZIP code can vary. Direct auto insurance in Little Rock can offer competitive pricing and cheap auto insurance in Arkansas.

Little Rock, AR Average Annual Auto Insurance Rates by ZIP Code

DataUSA shows Little Rock’s population is 197,780, with 13 different ZIP codes throughout the city. The best area in Little Rock, AR, is listed below.

Where you park your car at night does matter. Auto insurance in downtown Little Rock tends to be higher than average because more vehicles are on the roads.

Automotive Accidents in Little Rock

Suppose you live in a location known to be risky and frequently characterized by fatalities. In that case, you expect to pay monthly premiums that are going to be much higher than those paid by a citizen residing in a less risky neighborhood. Even for the cheapest car insurance, your location plays a determining factor in your prices, and you may end up paying a surcharge for your coverage.

Additionally, understanding the nuances of negotiating car accident claims can help you manage your costs effectively. Safe driving is always worth it. Not only will you help save lives and keep the streets of Little Rock safe, but you can also qualify for safe driver discounts.

Best Auto Insurance Rates by Coverage Level in Little Rock

You will want to have more auto insurance coverage for many reasons. If your current car becomes a total loss in a car accident, you probably won’t be able to afford a new one. Alternatively, you may wish to enhance your vehicle’s protection against Arkansas’ seasonal tornadoes.

Understanding how accidents change your car insurance rate can help you navigate your coverage options better.

Collision and comprehensive coverage are two of the most common additional policies that offer you broader protection.

How much will higher coverage cost you in Little Rock? Find out in the table below.

Little Rock, AR Average Annual Auto Insurance Rates by Coverage Level

Adding extra coverage will always cost more; however, the investment might be worth it if it’s within your budget.

Fortunately, the number of car thefts in your city is steadily decreasing. However, if you want to add more coverage to your policy but don’t want to pay a fortune in premiums, consider raising your deductible. Even increasing it by a few hundred dollars can reduce your monthly costs.

Best Little Rock Auto Insurance for Credit History Rates

Your credit score is a huge, often overlooked factor in determining your automotive insurance rates. Depending on your company, Little Rock motorists with poor credit can expect to charge twice as much as someone with perfect credit.

See what we mean in the table below.

Little Rock, AR Average Annual Auto Insurance Rates by Credit History

If you have a low credit score and reside in Little Rock, USAA provides the most competitive rates. However, exclusively active or retired military personnel and their families can buy insurance from this company. If you are not affiliated with the military, comparing rates from Geico and State Farm may be beneficial, as your credit score affects car insurance premiums.

Gender and Age on Car Insurance Rates in Little Rock, AR

The following table shows women’s average annual rates for auto insurance in Little Rock versus men’s.

Little Rock, AR Average Annual Auto Insurance Rates by Gender

As you can see, the difference in rates by gender is minimal. Age, on the other hand, is far more impactful. Find your age in the following table to see how much you might pay annually on average for auto insurance in Little Rock.

The older drivers in Little Rock tend to have low auto insurance premiums. However, the younger drivers often end up getting higher premiums. This is mainly because the insurance companies perceive the younger drivers as a bigger risk than the older drivers, who would have gained considerable experience behind the wheel.

Little Rock, AR Average Annual Auto Insurance Rates by Age

According to the data, auto insurance rates for teenagers are substantially higher than any other age group. Auto insurance rates in your city drastically decrease once you turn 35. But what age demographic has the cheapest auto insurance in Little Rock? Drivers aged 60 and older earn the cheapest rates.

Fortunately, young drivers can easily qualify for a handful of discounts that can help lower those high rates. We recommend seeking out good student discounts and safe driver discounts.

Safety Features

When you find auto insurance through some of Little Rock’s highly-rated auto carriers, you should check the safety features installed on your vehicle.
As such, most new cars already provide equipping owners with state-of-the-art technologies, such as adaptive cruise control and collision avoidance. These systems help ensure driver safety on the road and often yield savings on driver’s insurance. That raises your question in Little Rock: “How do I know if I chose the right coverages?”

Little Rock, AR Auto Accident & Insurance Claim Statistics

Adding safety features to a vehicle generally saves a pretty penny on Little Rock, AR auto insurance premiums. Around 7,500 accidents happen in a year, and weather-related incidents are high, so features like anti-lock brakes and airbags not only save the driver’s life but also reduce claims, benefiting both the driver and the insurer.

It is obvious that the rate of stolen cars in the city and the percentage of drivers without car insurance are quite worrisome issues relating to safety. The development of technologies for improving car safety will help lower the rate of car theft and decrease motor insurance costs, but much more important is when individual drivers consider safety an essential factor in their cars.

Customer Reviews

Customer reviews for auto insurance are very helpful, particularly for leading companies in Little Rock. They will be able to paint a better view of how the service is going for existing customers and pinpoint other considerable strengths, such as responsive customer service and efficient claim processing.

Many firms offer incentives, such as claim-free discounts, to please their customers more. Reading customers ‘ reviews can help you estimate whether an insurer is dependable and credible, which will help you make the right decisions about your auto insurance.

Whether you’re looking for fast-claimed insurance or are angry with customer service, this might define your final choice. We’ll read directly from real customers’ reviews, taking you to the right options among top Little Rock auto insurance providers.

Best Auto Insurance Rates for Driving Records in Little Rock

Your driving history significantly influences your auto insurance premium. Those who maintain a perfect, clean record will consistently enjoy lower rates than drivers with numerous traffic violations. Understanding how traffic violations increase car insurance rates is crucial for managing insurance costs effectively.

See how various traffic incidents can cause your rates to increase in Little Rock in the table below.

Little Rock Average Annual Auto Insurance Rates by Driving Record

Depending on which company you buy Little Rock, AR auto insurance from, a single speeding ticket can increase your rates by hundreds of dollars annually. A more serious offense, like a DUI, can increase your rates by over $1,000 a year.

Rate increases are not the only consequence of dangerous driving. Some insurance companies may refuse to insure you if you are responsible for multiple accidents or traffic violations.

Online and Digital Processes

Online and digital processes have also become necessary when deciding which of the best auto insurance Little Rock providers to opt for.

Most insurance providers now offer accessible websites and mobile applications; managing your policy becomes much easier with such options. Such options include “Government Auto Insurance,” among many others, that are accessible and usable.

You can get quotes, pay bills, and update your information most comfortably. These digital tools can make a difference and give you a much better experience with the best options in Little Rock auto insurance.

Additionally, most Little Rock car insurers apply technology in their customer service. Most implement online chatting capabilities and direct links to the claims-handling process, which enhances customers’ experience and facilitates claims handling so you can operate your insurance smoothly.

Going online and digital will provide you with a better information base and greater participation with your policy, thanks to the best Little Rock car insurance companies.

Claiming Process

Understanding the claims process is a very important aspect of auto insurance management, especially with the main service providers in the city of Little Rock. Generally, this process involves timely reporting of the incident and all necessary documentation, ranging from details about the incident to the auto insurance deductible information.

Most major car insurance companies in Little Rock make claiming fast and easy. You can also claim online, meaning your claims will likely be evaluated and responded to faster. Knowing these steps will ease your mind about the claiming process and empower you.

Little Rock, AR Report Card: Auto Insurance Premiums