Buy Cheap Little Rock, AR Auto Insurance

The average annual auto insurance rates in Little Rock, AR are around $4,703 ($392/mo). The cheapest auto insurance company in Little Rock, AR is USAA followed by State Farm, although rates will vary for each person. Little Rock, AR auto insurance must meet the state minimum requirements with coverage levels of 25/50/25 for liability and property damage. Compare Little Rock, Arkansas auto insurance rates online to get the best price for you.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: May 2, 2021

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A Concise Overview

  • The average annual auto insurance rates for Little Rock, AR are $4,703 ($392/mo)
  • The cheapest auto insurance company in Little Rock, AR is USAA, and the second cheapest is State Farm
  • Little Rock rates are affected by the traffic that is shared with Benton and Jacksonville
  • The average commute time for Little Rock is 23 min

Little Rock, AR auto insurance rates are, on average, about $550 cheaper than Jacksonville and about $500 more than Benton.

You can save on Little Rock, Arkansas auto insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on how to buy auto insurance in Little Rock, Arkansas for every age, credit history, and driving record.

By examining rates and companies in Little Rock, AR, weather the storm of finding cheap auto insurance.

Ready to find affordable auto insurance in Little Rock, AR? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Little Rock, AR?

The cheapest auto insurance company in Little Rock, based on average rates, is USAA followed by State Farm. Keep in mind, however, that USAA is available only to military affiliates.

The best auto insurance companies in Little Rock, AR, ranked from cheapest annual rates to most expensive are:

  • USAA — $2,405
  • State Farm — $3,462
  • GEICO — $3,667
  • Liberty Mutual — $4,572
  • Nationwide — $4,712
  • Farmers — $4,741
  • Progressive — $5,732
  • Allstate — $6,009
  • Travelers — $7,024

There are a lot of factors that determine your auto insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

If these rates seem steep, all of the top auto insurance companies in the market have a usage-based auto insurance program that can help you save big on your auto insurance rates.

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What auto insurance coverage is required in Little Rock, AR?

All Little Rock drivers have to meet the Arkansas state law minimum requirements to buy auto insurance.

In Arkansas, you have to carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

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What affects auto insurance rates in Little Rock, AR?

Little Rock is the largest city in Arkansas, but not necessarily the most expensive when it comes to car insurance. Let’s take a look at how Little Rock auto insurance rates compared to cities nearby in Arkansas.

  • College Station, AR — $4,813 (most expensive)
  • Jacksonville, AR — $4,256
  • Little Rock, AR — $4,703
  • Benton, AR — $4,272
  • Cotter, AR $3,676 (cheapest)

INRIX ranks Little Rock as the 116th-most congested city in the U.S. With traffic coming from Benton and Jacksonville, expect longer commute times.

City-Data reports the average commute time for Little Rock is 16.6 minutes, but that can vary based on the time of day.

Car theft also affects rates. The FBI’s most recent annual statistics report Little Rock having 1,130 car thefts in a city population of 199,314. That’s a rate of 567 cars stolen per 100,000 population.

Little Rock, AR Auto Insurance: The Bottom Line

Little Rock has about the same rates when compared to the state average, but you can still save by shopping around and comparing.

Before you buy auto insurance in Little Rock, AR, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Little Rock, AR auto insurance quotes.

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