Little Rock Car Insurance

The Zebra
May 30, 2018

Car Insurance in Little Rock

With premiums within $31 of the national average, Arkansas has rates that are relatively equivalent to the nation. Why don't we take a look at how to save on car insurance in Little Rock?

  • City Average: $1,615
  • State Average: $1,458
  • National Average: $1,427

Little Rock Car Insurance by Credit Rating

Improving your credit can save you a sizable chunk of money. Those in the bottom credit tier (300-579) pay an average of more than twice as much on premiums than those in the top credit tier (800-850). In terms of percent change, moving from Fair (580-669) to Good (670-739) brings in the biggest percent decrease in premiums, as drivers save close to 18% per year.

  • Very Poor: $2,937
  • Fair: $2,503
  • Good: $2,058
  • Very Good: $1,717
  • Exceptional: $1,419

Little Rock Car Insurance by Gender and Marital Status

Quite a few driver traits, including marital status and gender, have an effect on car insurance premiums in Little Rock. In your city, marital status actually has a substantial impact on premiums. Being single can cost you around 12% more per year compared to being married. Rates for those who are widowed are moderately cheaper than rates for those who are single. Premiums for men and women usually differ by a mere 1%, with women paying more.

  • Female: $1,633
  • Male: $1,615
  • Single: $1,615
  • Married: $1,441
  • Divorced: $1,615
  • Widowed: $1,576

Little Rock Car Insurance by Accident or Violation History

Do you realize how much an accident or violation on your record can cost you in terms of car insurance premiums? An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. For those in Little Rock with at-fault accidents, $799 is the amount by which annual insurance premiums can be expected to rise. In Little Rock, drivers with a DUI have rates $642 higher than the city average ($1,615). Reckless driving will drive your rates up as well, with typical rates of $2,350. That is 46% higher than the city average.

  • DUI: $2,257
  • Reckless Driving: $2,350
  • At-fault Accident (damages less than $1000): $2,414
  • At-fault Accident (damages greater than $2000): $2,414
  • Speeding Ticket (16-20 mph over speed limit): $2,016

Little Rock Car Insurance by Age

Drivers in their 50s save money on car insurance, as they have the smallest rates among all age groups, paying only $1,438 a year. Those in their 60s ($1,449) aren’t paying significantly more. Teenage drivers have the largest premiums of any age group. They have car insurance payments that average $6,638. The most significant drop in premiums for Little Rock drivers happens when they hit their 20s. Once out of the teenage age range, they save an average of 67% on car insurance. Insurance rates in Little Rock continue to trend downward up until drivers turn 60.

  • Teenagers: $6,638
  • 20s: $2,216
  • 30s: $1,576
  • 40s: $1,516
  • 50s: $1,438
  • 60s: $1,449
  • 70s: $1,763

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