UPDATED: Oct 23, 2020
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Ready to get the cheapest auto insurance in Little Rock, Arkansas? Many factors impact your Little Rock, AR auto insurance rates, including your ZIP code, age, driving record, and even your credit history. Read through our comprehensive guide to learn what goes into calculating your rates, and to secure cheap insurance in Little Rock.
By the time you’re done, you’ll be able to easily find and compare cheap automobile insurance in Little Rock, Arkansas.
Are you already ready to start comparison shopping for affordable auto insurance quotes in Little Rock, Arkansas?
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?”
Auto Insurance Coverage Requirements in Arkansas
Did you know every state has different auto insurance requirements? Let’s look at the Arkansas auto insurance requirements.
Arkansas law requires you to have 25/50/25 minimum in liability coverage. However, liability insurance will only help pay for damages if you are responsible for an accident. Therefore, we recommend carrying more than the Little Rock insurance minimum. Additional coverage options include collision, comprehensive, uninsured motorist protection, and more.
The following table compares the Arkansas legal driving requirements to the most common policies Arkansas motorists usually invest in. Check it out below.
|Bodily injury liability||$25,000/$50,000||$25,000/$50,000|
|Property damage liability||$25,000||$25,000|
|Uninsured motorist bodily injury||Not required||$25,000/$50,000|
|Medical payments||Not required||$5,000|
|Collision||Not required||$500 deductible|
|Comprehensive||Not required||$100 deductible|
If you are currently financing your vehicle, your lender may require additional coverage regardless of the state legal minimums, like GAP coverage. Keep in mind that liability coverage pays for claims if the incident in question was something you caused or are found liable for. It pays for damages to the other party only.
Therefore, purchasing full coverage auto insurance in Arkansas is becoming more popular. An estimated 14 percent of cars on the road in your state are uninsured. Getting hit by an uninsured motorist without proper protection can end up costing you an arm and a leg.
Fortunately, in January 2020, a new law passed in Arkansas that allows the state and law enforcement to keep better track of uninsured motorists on the roads.
KARK 4 News covers the story in more detail in the following video.
The typical Arkansas motorist might pay $391 for their monthly insurance premium. However, it is possible to drive legally for much less in Little Rock. As the state continues to crack down on uninsured drivers in the state, you might see your premiums decrease.
The following graph compares average monthly auto insurance premiums by Little Rock, AR auto insurance company.
As you can see, there are plenty of cheap insurance companies in Little Rock, Arkansas to choose from, but not every company will provide you with competitive rates. For example, the data from the graph above shows that Nationwide insurance in Little Rock, AR is more expensive than State Farm.
Keep in mind that your quotes will vary depending on your individual demographics as a driver. Your age, gender, credit history, and driving record will all impact your monthly premium. All of these factors must be taken into account when answering the question of who has the cheapest auto insurance in Arkansas.
All you need is a good knowledge of how the industry works and you’ll be able to find some huge discounts. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
Enter your zip code below to view companies that have cheap auto insurance rates.
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What affects auto insurance in Little Rock, AR?
There are many ways Little Rock, AR auto insurance rates can be calculated. 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.
|Companies||Married 60-Year-Old Female||Married 60-Year-Old Male||Married 35-Year-Old Female||Married 35-Year-Old Male||Single 25-Year-Old Female||Single 25-Year-Old Male||Single 17-Year-Old Female||Single 17-Year-Old Male|
As you can see, USAA offers the lowest rates regardless of your age or gender. However, USAA is a military auto insurance company, which means 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 charges incredibly high and unreasonable rates for teenage male drivers in Little Rock. However, it’s not the most expensive option for drivers aged 60 and older.
Similarly, 25-year-old female drivers are more likely to get lower rates from State Farm than GEICO. However, male drivers of the same age receive better average rates from GEICO, not State Farm.
Keep reading and we’ll cover some of the major factors that impact your auto insurance rates in greater detail to help you secure cheap auto insurance in Little Rock, Arkansas.
What ZIP codes have the cheapest auto insurance rates in Little Rock, Arkansas?
Your Little Rock ZIP code will also impact what you pay for auto insurance. The cheapest auto insurance is usually found in areas with a lower population density. With fewer vehicles on the road, there are fewer opportunities for you to get into a major car accident with another driver.
According to DataUSA, the Little Rock population is 197,780 and there are 13 different ZIP codes throughout the city. What’s the best area to live in Little Rock, Arkansas for the best auto insurance rates? Find out in the table below.
|ZIP Codes||Average Annual Auto Insurance Rates|
Where you park your car at night really does matter. Auto insurance in downtown Little Rock tends to be higher than average because there are more vehicles on the roads.
If your ZIP code is 72103, you’re paying around $516 less per year on average than your neighbors in the 72202 ZIP code.
How do auto insurance rates in the city of Little Rock compare to other Arkansas metropolitan areas? Find out in the graph below.
Unfortunately, Little Rock auto insurance rates are quite a bit higher than the rates in neighboring cities. Springdale, Arkansas tends to have the lowest rates. Little Rock has a higher population density, so living there comes with slightly higher average auto insurance rates.
Automotive Accidents in Little Rock
Naturally, if you live in a dangerous area where serious accidents occur frequently, you’ll have to pay higher monthly rates than someone living in a safer city.
While the fatal accident statistics are fairly high for Little Rock, they’re not as high as some cities with a similar population size. The following graph provides more details.
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
There are plenty of reasons why you may want to purchase more coverage on your auto insurance policy.
Perhaps it would not be easy for you to purchase a brand new car should your current vehicle get totaled in an accident. Or maybe you want to better protect your vehicle from Arkansas’ seasonal tornadoes.
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.
|Companies||Average Annual Rates with High Coverage||Average Annual Rates with Medium Coverage||Average Annual Rates with Low Coverage|
Adding extra coverage will always cost more; however, the investment might be worth it if it’s within your budget.
For example, if you purchase the Arkansas state minimum liability-only insurance policy, you will not be covered by insurance if your vehicle ever gets stolen. Take a look at the graph below to see the rate of stolen vehicles in Little Rock in 2013.
The total number of stolen vehicles in Little Rock was 1,080 in 2013. To replace your stolen vehicle using auto insurance, you must purchase comprehensive coverage.
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 seriously cut down on your monthly costs.
Best Auto Insurance for Credit History Rates in Little Rock
Your credit score is a huge, yet often overlooked, factor in determining your automotive insurance rates. Depending on what company you’re with, Little Rock motorists with poor credit can expect to pay twice as much as someone with perfect credit.
See what we mean in the table below.
|Companies||Average Annual Rates with Good Credit||Average Annual Rates with Fair Credit||Average Annual Rates with Poor Credit|
If you do have poor credit and live in Little Rock, USAA offers the most competitive rates. But remember, only active or retired military personnel and their families are eligible to purchase insurance through that company. If you are not military, consider comparing rates from GEICO and State Farm.
See how much monthly rates are impacted by credit score in Little Rock in the graph below.
As you can see, having good credit will help you save thousands of dollars annually on auto insurance in Little Rock. However, bad credit doesn’t last forever. Paying your monthly auto insurance premium on time every month will help improve your credit score.
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Do gender and age affect my car insurance rates in Little Rock, Arkansas?
In Little Rock, Arkansas, your rates for auto insurance will change based on your age and gender. Age affects what you pay for auto insurance far more than gender. Young, inexperienced drivers pay some of the highest insurance rates across the country.
Men usually pay only two to three percent more per month than women, and in some states using gender to determine auto insurance rates is now illegal. Men often pay more for auto insurance because, statistically, they cause more car accidents.
According to the Insurance Institute for Highway Safety, men made up 71 percent of all automobile deaths in 2018.
The following table shows the average annual rates women pay for auto insurance in Little Rock versus men.
|Driver Gender||Average Annual Auto Insurance Rate|
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, Arkansas.
|Driver Age||Average Annual Auto Insurance Rate|
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 years old. But what age demographic has the cheapest auto insurance in Little Rock? Drivers aged 60 and older earn the cheapest rates.
Now take a look at the following graph, which compares monthly auto insurance rates by age in Little Rock.
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.
Best Auto Insurance Rates for Driving Record in Little Rock
Your driving record has a major impact on your auto insurance premium. Drivers with perfect, clean records will always receive lower rates than those with many traffic violations.
See how various traffic incidents can cause your rates to increase in Little Rock in the table below.
|Companies||Average Annual Rates with a Clean Record||Average Annual Rates with One Accident||Average Annual Rates with One DUI||Average Annual Rates with One Speeding Violation|
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.
The following graph shows how your driving record will impact your monthly rates.
Rate increases are not the only consequence of dangerous driving. If you are responsible for multiple accidents or traffic violations, some insurance companies may refuse to insure you altogether.
Does your car model affect your auto insurance in Little Rock?
Whether you live in Little Rock, Fort Smith, or Jonesboro, the cheaper your car is to fix or replace, the cheaper it will be to insure.
Therefore, there is often a drastic price difference in monthly insurance costs between economy sedans and luxury vehicles. See what we mean in the graph below.
Owners of luxury vehicles often also purchase higher coverage to protect their valuable vehicles, which also increases auto insurance rates. Therefore, affordable cars in Little Rock, AR will lead to the cheapest insurance rates.
Your Commute Length and Auto Insurance Rates in Little Rock
The average commute time for citizens of Little Rock lasts anywhere from 15 to 19 minutes. However, there are some commuters from the outskirts of the city who will spend more than 20 minutes behind the wheel each way. More than 80 percent of drivers prefer to take their own car to work, whereas around 10 percent choose to carpool.
Some insurance providers and independent insurance agents in Little Rock, AR might make a big deal about how many miles you drive for your commute. A longer than average drive to work could mean higher insurance premiums.
Find out if your commute length is causing your rates to increase in the table below.
|Companies||Average Annual Rates for|
|Average Annual Rates for|
While USAA, GEICO, and State Farm do charge higher premiums for longer commute lengths, the impact is minimal. Some companies, including Nationwide, Farmers, and Liberty Mutual in Little Rock, Arkansas do not charge different rates based on your commute.
You’re now an expert on finding cheap insurance in Little Rock, Arkansas. As you’ve learned, finding affordable Little Rock, AR auto insurance does not have to be a huge hassle. While there’s a lot of information you need to consider, you now have a better understanding of how Little Rock, Arkansas auto insurance companies evaluate your potential risk as a driver.
You’re all ready to start comparing cheap auto insurance in Little Rock, AR. So, whether you are looking for a GEICO insurance quote, or comparing quotes from multiple auto insurance companies in Little Rock, AR,
Just enter your five-digit ZIP code into our FREE quote comparison tool below to find the cheapest Little Rock, AR auto insurance quotes.