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How much is car insurance in Little Rock?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Little Rock are about $20 a month more expensive than the rest of Arkansas.
Likewise, Little Rock residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $2 more expensive to insure your vehicle in Little Rock compared to the average rate for the rest of the U.S.
Keep in mind that while these are the average car insurance rates for Little Rock, it isn't guaranteed that it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
But worry not, we've done the heavy lifting and broken down the average rate for Little Rock to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $64 more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may climb back up in Little Rock.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This is true in Little Rock, where women pay around $16 less per month. As you can see in the table above, male drivers in the area typically pay $90 on average, while female drivers typically pay $74 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Little Rock with a single accident on their record will usually see rates around $98 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $89.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$86|
|15 Years or Older||$80|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Little Rock, with drivers paying around $71 per month for insurance.
Truck and van drivers will see rates of about $74 for car insurance coverage, while car owners typically pay around $86 a month.
The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. In Little Rock, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$86|
Overall, people who are married will pay slightly less to insure their car. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Little Rock is about $24 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$120|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Drivers who own property in Little Rock can expect to pay around $17 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Little Rock, AR
Recent trends in car insurance for Little Rock drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing your car insurance policy.
Auto insurance rates in Little Rock rose consistently from 2016 through the present, where they hit $97 per month in 2021.
How does Little Rock compare to neighboring areas?
Why are car insurance rates in Little Rock different from other areas?
There are many factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Rate of car accidents
- Regional regulations
- Amount of drivers in the area
- Prevalence of crime
- Availability of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Little Rock?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing auto coverage in Little Rock in no time.
Little Rock Insurance FAQs
What factors affect car insurance quotes in Little Rock?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Little Rock different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Little Rock?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Little Rock?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Little Rock or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.