Best Car Insurance Rates in Little Rock, Arkansas

On average your neighbors pay $61 a month.

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Compare Car Insurance in Little Rock

Thursday, November 22 2018 By Aaron Besson

Little Rock is the capital city of Arkansas. If you’re looking to compare auto insurance quotes in “The Rock”, QuoteWizard can help. Here you can read about all of Little Rocks’ driving laws, insurance rates, best insurers and more.

Average Little Rock Insurance Rates

How much does car insurance cost in Little Rock, AR? Drivers here enjoy relatively low premiums compared to the rest of the country. Average auto insurance in Arkansas costs $736.43 per year. The national average price is $889.01.

Prices may vary based on your zip code, driving history, credit score and more.

Arkansas Average Annual Car Insurance Rates
Coverage Rates
Liability $394.13
Collision $321.80
Comprehensive $190.41
Total Cost Per Year $736.43
Price Per Month $61.36
Source: Facts + Statistics: Auto insurance

The graph below shows average Arkansas insurance rates from 2011 to 2015. This is the most recent data available. The Insurance Information Institute shows Little Rock car insurance increased from $665 in 2011 to $736 in 2015. This is a jump of $71 dollars, or 10.66 percent.

Arkansas average car insurance rates

Buying car insurance in Little Rock can take a lot of time you probably want to use for other things. QuoteWizard makes it easy to quickly compare rates. In the end, you’ll save time and money while finding the right insurance plan.

Last year, 10,381 drivers used QuoteWizard to compare car insurance quotes in Little Rock, AR from multiple companies to lower their rates.

Best Car Insurance Companies in Little Rock, AR

These are the most popular car insurers reported by QuoteWizard users in Little Rock. Of these users, 2,999 had no insurance when they requested a quote.

  1. GEICO
  2. Progressive
  3. State Farm
  4. Allstate
  5. Farmers
  6. Liberty Mutual
  7. AAA
  8. Nationwide
  9. USAA
  10. Esurance

Top 10 Vehicles

These are the most popular makes and models owned by Little Rock QuoteWizard users last year.

  1. Nissan Altima 2.5/S
  2. Toyota Camry/LE/SE
  3. Honda Accord EX/LX
  4. Ford F-150
  5. Ford Mustang
  6. Chevrolet Impala/LS
  7. Chevrolet Malibu LS
  8. Chevrolet Silverado C1500
  9. Chevrolet Tahoe C1500
  10. Dodge Ram 1500

Minimum Car Insurance Requirements in Little Rock, AR

Little Rock, Arkansas requires drivers to carry minimum liability coverage of 25/50/25. This means your policy must include: 

  • $25,000 Individual Bodily Injury Liability (BIL):
    The max amount paid for a person injured in a car accident.
  • $50,000 Total Bodily Injury Liability:
    The total amount paid for every person injured in a car accident.
  • $25,000 Property Damage Liability (PDL):
    The max amount paid for property damage caused by a car accident

Recommended Coverage Levels

Minimum coverage only provides a small amount of liability coverage. And it’s easy to exceed minimum liability limits after a collision. As such, we recommend the following coverage: 

  • Individual Body Injury Liability: $100,000 
  • Total Bodily Injury Liability: $300,000 
  • Property Damage Liability: $100,000 

Little Rock Drivers

Insurance is going to cost more in areas with a bad drivers and high accident rates. How does Little Rock fare? QuoteWizard ranked state and city drivers from best to worst. According to our data, Little Rock came in as 71st worst city for driving.

Driving Conditions

Factors such as weather, road conditions, and traffic can impact your insurance rates. Areas with riskier driving conditions often have higher premiums.

Weather

Heavy rains in Little Rock can lead to low visibility and losing control while driving. Flooding is a frequent danger as well. Little Rock sees an average 49.57 inches of rain per year. That is almost a foot above the national average annual rainfall!

Road Conditions

TRIP reports that 38 percent of Little Rock's roads are in poor condition and 21% are mediocre. Driving on bad roads can cost Little Rock drivers $771 a year in extra car operating costs.

Traffic Congestion

According to TomTom, Little Rock commuters spent an extra 62 hours driving last year due to traffic.

Moving Violations

Citations and at-fault accidents can affect your driving record. Drivers with tickets and accidents on their driving record often pay more for car insurance. If you get too many moving violations, you could be designated a high-risk driver. Should that happen, you'd need to get an expensive non-standard insurance policy.

DUI and DWAI Arrests

A DUI can hike up your insurance rates. Little Rock Police reported 89 DWI accidents in 2017. Our data shows that drivers with a DUI spend an average of $830 more per year for auto insurance.

SR-22 DUI/DWAI Insurance

Little Rock, Arkansas drivers with a suspended license due to DUI must file an SR-22 form. You are required to carry the SR-22 for 3 years. Arkansas SR-22 insurance minimum is:

  • $25,000 for injury to one person
  • $50,000 for injury to two or more people
  • $25,000 for property damage

Car Accident Statistics

Drivers pay more for insurance in areas with high accident rates. In 2017, Little Rock police filed  6,593 accident reports. 

Traffic Fatalities

Little Rock reported 19 crash fatalities in 2017. That is a fatality rate of .16 per 1,000 Little Rock residents.

Vehicle Theft Rates

Drivers in high car theft areas pay more for car insurance. Little Rock Police reported 1,107 auto thefts in 2017. This is a 4.61 percent decrease from 1,161 auto thefts in 2016.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower rates. Looking for ways to get a discount? Little Rock, AR drivers have many options:

  1. If you’re 55 or over, see if your insurer gives a senior citizens discount
  2. Take a certified defensive driving course 
  3. Make sure your car as up-to-date safety features and anti-theft devices
  4. Bundle your car insurance with your home or renters insurance, you can cut up to 20 percent off your total bill 
  5. There are discount rates for active and retired members of the Military, National Guard, or Reserves

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