On average your neighbors pay $61 a month.See Your Rates
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.
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.
|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.
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.
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.
These are the most popular makes and models owned by Little Rock QuoteWizard users last year.
Little Rock, Arkansas requires drivers to carry minimum liability coverage of 25/50/25. This means your policy must include:
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:
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.
Factors such as weather, road conditions, and traffic can impact your insurance rates. Areas with riskier driving conditions often have higher premiums.
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!
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.
According to TomTom, Little Rock commuters spent an extra 62 hours driving last year due to traffic.
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, your auto insurance premium go up significantly.
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:
Drivers pay more for insurance in areas with high accident rates. In 2017, Little Rock police filed 6,593 accident reports.
Little Rock reported 19 crash fatalities in 2017. That is a fatality rate of .16 per 1,000 Little Rock residents.
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.
Are you looking for affordable car insurance? Discounts are one of the best ways to lower insurance rates. These are some of the many auto insurance discounts Little Rock drivers can use. Get a quote and find out which discounts you qualify for.
Looking for ways to get a discount? Little Rock drivers have many options:
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