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Ava Lynch

Insurance Analyst

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  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Ross Martin

Insurance Writer

Credentials
  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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How much does car insurance cost in Little Rock?

The typical Little Rock driver pays $973 per six-months for auto insurance. That's more expensive than the average in Arkansas ($849) and more expensive than the national average of $880. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Little Rock. Read on to learn more!

Car insurance in Little Rock vs. Arkansas Average 6 Mo. Premium
Little Rock average $973
Arkansas average $849

The Zebra's key takeaways about car insurance in Little Rock:

  • The average cost of a car insurance policy in Little Rock is $973 per six-month policy — $162 per month.
  • The cheapest company in Little Rock is Liberty Mutual ($670).
  • 32% of Zebra customers in Little Rock stated they used our product because they were need insurance now for car insurance with their current provider.

Are you paying too much for auto insurance?

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Little Rock car insurance rates 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.

Cheapest car insurance companies in Little Rock, AR
Company Avg. 6 Mo. Premium
Liberty Mutual $670
State Farm $678
Southern Farm Bureau $840
Shelter $842
Progressive $939

The Zebra’s auto insurance data methodology

The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.


Shop around for the best rates


The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Little Rock.

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Little Rock auto insurance rates by age

Our data tells us that drivers between the ages of 20-29 make up 27% of Little Rock drivers. The age group that pays the least for car insurance in Little Rock are drivers in their 50s ($852 per six-months). Rates for Little Rock drivers in their 60s are also relatively affordable, at just $882 per six-months.

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. The difference in rates paid by teenage drivers and drivers in their 20s is $5,534 more than the second-most expensive rate paid by an age group.

Little Rock auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $3,649
20s $1,300
30s $943
40s $897
50s $852
60s $882
70s $1,070

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 $557 decrease in six-month car insurance rates. Our data tells us 42% of drivers in Little Rock have a credit score of average (580-679). 

 

credit score
Little Rock auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,731
Fair $1,173
Good $973
Very Good $895
Exceptional $819

Little Rock car insurance rates by violation

Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault accidents, DUIs and DWIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as auto 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 $815 per year in extra insurance expenditures.

Little Rock auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $1,380
Reckless Driving $1,429
At-fault Accident (damages < $1,000) $1,389
At-fault Accident (damages greater than $2,000) $1,490
Speeding Ticket (16-20 mph over speed limit) $1,253

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.