Best and Cheapest Car Insurance Quotes in Little Rock, AR (2022)

Cheapest car insurance in Little Rock: State Farm, $111 a month; Southern Farm Bureau, $122; Progressive, $124.

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State Farm has the cheapest car insurance for most drivers in Little Rock, based on our 2022 survey of providers. There, drivers will get minimum-coverage car insurance for an average cost of $101 per month.

For full-coverage car insurance, State Farm also has the best rates. The provider offers policies for a monthly average of $111.

USAA presents an even better option for Little Rock drivers, but only for those who qualify. USAA’s policies are reserved for former or active military members and their families.

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How much does car insurance cost in Little Rock?

In Little Rock, car insurance costs $132 per month, on average. That’s the rate for minimum-coverage insurance, which is more expensive in Little Rock than elsewhere in the state. In Arkansas overall, minimum coverage only costs an average of $69 a month.

The average full-coverage policy in Little Rock costs $144 per month. That compares to the statewide mean of $155.

Whether you buy minimum or full coverage, to get your best price on a policy in Little Rock or anywhere else, you need to compare car insurance rates from several companies.

Cheapest car insurance quotes in Little Rock

State Farm has the most affordable car insurance for a majority of drivers in Little Rock. The company charges an average of $101 per month for minimum-coverage plans.

Other great options include Southern Farm Bureau, GEICO and Farmers, which offer plans for $111, $115 and $125, respectively. Meanwhile, USAA has even better rates — just $86 per month — but those policies are reserved for military members and their families.

In Arkansas, drivers are required to carry liability coverage, which must meet certain legal thresholds. Those requirements are:

  • $25,000 in bodily injury coverage per person per accident
  • $50,000 in bodily injury coverage overall per accident
  • $25,000 in property damage coverage per accident
CHEAPEST CAR INSURANCE IN LITTLE ROCK FOR MINIMUM COVERAGE
Company Monthly rate
State Farm $101
Southern Farm Bureau $111
GEICO $115
Farmers $125
Shelter $129
City average $132
Progressive $136
Allstate $171
Nationwide $213
USAA $86
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

For most drivers, State Farm is also the best choice for full-coverage car insurance. Full-coverage policies from State Farm cost an average of $111 per month, which is well beneath the citywide average of $144.

USAA has great offerings for those who qualify, with plans costing just $94 a month, on average. But again, those policies are reserved for military members and their families.

Full-coverage car insurance typically includes liability, collision and comprehensive coverages. Arkansas state law also requires all drivers to have the opportunity to purchase personal injury protection (PIP), as well as coverage for uninsured and underinsured motorists.

No state requires full coverage, although it’s often recommended for those with new or particularly expensive vehicles. Some lenders and lessors may also ask for it.

CHEAPEST CAR INSURANCE IN LITTLE ROCK FOR FULL COVERAGE
Company Monthly rate
State Farm $111
Southern Farm Bureau $122
GEICO $124
Shelter $125
Farmers $135
City average $144
Progressive $171
Allstate $180
Nationwide $238
USAA $94
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Compare car insurance quotes from top companies

Cheapest car insurance in Little Rock for drivers with incidents

The cheapest car insurance for drivers with a DUI comes from State Farm, based on our data. Its average full-coverage rate is $122 per month, which is by far the lowest among Little Rock’s top providers.

Southern Farm Bureau and Farmers also have policies costing much less than the citywide average for drivers with a DUI, which is $257 per month. And once again, USAA has affordable plans for those who qualify.

CHEAPEST CAR INSURANCE WITH A DUI
Company Monthly rate
State Farm $122
Southern Farm Bureau $148
USAA $181
Farmers $183
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

State Farm has the most affordable car insurance after an accident, too, charging these Little Rock drivers $132 a month for full-coverage policies.

That cost is well below the citywide average of $216 a month, as are the offerings from USAA, Southern Farm Bureau and Farmers.

CHEAPEST CAR INSURANCE WITH AN ACCIDENT
Company Monthly rate
State Farm $132
USAA $137
Southern Farm Bureau $159
Farmers $191
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

State Farm also has the cheapest policies for Little Rock drivers with speeding tickets on their record. According to our survey, the company charges a monthly average of $122 for full coverage.

That average is for drivers with just one speeding ticket on their record. Still, even a single speeding ticket can have a major impact on a driver’s insurance costs. In Little Rock, the average full-coverage policy costs $144 per month — but with a speeding ticket, the cost jumps to $175.

CHEAPEST CAR INSURANCE WITH A SPEEDING TICKET
Company Monthly rate
State Farm $122
GEICO $124
Southern Farm Bureau $133
USAA $112
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheap car insurance in Little Rock for teen drivers

In general, Little Rock’s teen drivers should look to Southern Farm Bureau for the best car insurance rates. There, an 18-year-old with a clean driving record will get minimum coverage for an average of $225 a month.

In Little Rock, car insurance is much more expensive for teen drivers. The teen average for minimum coverage is $469 a month — over 250% more than the citywide mean of just $132.

CHEAPEST CAR INSURANCE FOR TEENS (MINIMUM COVERAGE)
Company Monthly rate
Southern Farm Bureau $225
State Farm $307
GEICO $373
USAA $214
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

For full coverage, Southern Farm Bureau is also the best option for most Little Rock teens. The provider’s average monthly rate of $254 is less than half the citywide average of $532.

USAA has better rates for those who qualify, offering teens full-coverage plans for $238 a month, on average.

CHEAPEST CAR INSURANCE FOR TEENS (FULL COVERAGE)
Company Monthly rate
Southern Farm Bureau $254
State Farm $343
Sheter $384
USAA $238
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Find cheap auto insurance in Little Rock, Arkansas

Cheap car insurance in Little Rock for senior drivers

State Farm is the best source of cheap minimum-coverage car insurance for a majority of Little Rock seniors, charging them an average of $93 a month.

Our survey defined a senior driver as a 60-year-old with a clean driving record. That means someone without any accidents, DUIs or speeding tickets.

CHEAPEST CAR INSURANCE FOR SENIORS (MINIMUM COVERAGE)
Company Monthly rate
State Farm $93
GEICO $99
Southern Farm Bureau $101
USAA $84
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

When it comes to full-coverage car insurance for most senior drivers in Little Rock, Shelter leads the way. The company charges $99 per month to insure a 60-year-old with a clean driving record.

USAA has better rates for those who qualify, while State Farm and GEICO also present solid choices. All three providers offer senior drivers full-coverage car insurance policies for less than the citywide average of $129 a month.

CHEAPEST CAR INSURANCE FOR SENIORS (FULL COVERAGE)
Company Monthly rate
Shelter $99
State Farm $103
GEICO $107
USAA $91
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Senior drivers often pay lower rates for car insurance than younger drivers do, thanks in part to the fact that they have a lot of experience behind the wheel.

Little Rock car insurance requirements

Arkansas state law requires all drivers to have liability car insurance coverage, which must meet certain minimum thresholds:

  • $25,000 in bodily injury coverage per person per accident
  • $50,000 in bodily injury coverage overall per accident
  • $25,000 in property damage coverage per accident

Additionally, the law states that all drivers must have the option to purchase personal injury protection, uninsured motorist coverage and underinsured motorist coverage, but none are required.

Full coverage may often include some of those extra coverages, as well as collision and comprehensive coverages. No state requires full-coverage car insurance, but it’s not a bad idea for those with expensive or brand-new vehicles.

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Little Rock ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Arkansas’ minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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