Little Rock, AR Car Insurance

How much does car insurance cost in Little Rock?


The typical Little Rock driver pays $1,946 per year for auto insurance. That's more expensive than the average in Arkansas ($1,698) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Little Rock.


LITTLE ROCK AUTO INSURANCE RATES
Little Rock Average (per year)Arkansas AverageU.S. Average
$1,946$1,698$1,548

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Little Rock car insurance costs by company


One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, Liberty Mutual offers Little Rock's cheapest rates. See below the best options for affordable auto insurance in Little Rock. Don't forget to get car insurance quotes based on your driving profile.


LITTLE ROCK CAR INSURANCE RATES BY COMPANY
CompanyAverage Yearly Rate
Liberty Mutual$1,341
State Farm$1,357
Southern Farm Bureau$1,680
Shelter$1,685
Progressive$1,879

Read our guide to finding the best cheap auto insurance.



Little Rock car insurance premiums by age

The age group that pays the least for car insurance in Little Rock are drivers in their age_50s ($1,704per year). Rates for Little Rock drivers in their age_60s are also relatively affordable, at just $1,764 per year.

Teen drivers pay Little Rock's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Little Rock is to age out of your teens. In Little Rock, teenage drivers pay $7,298 — a full $5,534 more than the second-most expensive rate paid by an age group.


CAR INSURANCE RATES BY AGE TIER IN LITTLE ROCK
Age bracketAverage Yearly Rate
Teenagers$7,298
20s$2,601
30s$1,887
40s$1,794
50s$1,704
60s$1,764
70s$2,140

Learn more about the impact of age on auto insurance rates.



Little Rock car insurance rates by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Little Rock pay $210 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Little Rock, single drivers pay more than those who are widowed.

Gender is another factor that can affect auto insurance rates. In Little Rock, female drivers pay $3 per year more than do male drivers for car insurance.


LITTLE ROCK CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,949
Male$1,946
Single$1,736
Married$1,736
Divorced$1,946
Widowed$1,829

Learn more about how gender and marital status have on car insurance rates.



Little Rock auto insurance costs by driving history


Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Little Rock drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $912 per year versus the city average. A ticket for speeding results in a $561 rate hike while a DWI or DUI violation costs $815per year in extra insurance expenditures.


LITTLE ROCK CAR INSURANCE RATES AFTER A COLLISION OR CITATION
CitationAverage Annual Rate
DUI/DWI$2,761
Reckless Driving$2,858
At-fault Accident (damages < $1,000)$2,778
At-fault Accident (damages greater than $2,000)$2,980
Speeding Ticket (16-20 mph over speed limit)$2,507

Learn more about citations' impact on your auto insurance rates.



Little Rock car insurance rates by credit score


Credit score is often closely correlated with car insurance costs. In Little Rock, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 53% drop in car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Little Rock, improving your credit to "Fair" corresponds with a $1,115 decrease in annual car insurance rates.


LITTLE ROCK AUTO INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Annual Rate
Very Poor$3,462
Fair$2,347
Good$1,946
Very Good$1,790
Exceptional$1,638

Get additional information on how credit impacts car insurance costs.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.