Little Rock, AR Car Insurance

How does Little Rock compare to the surrounding area and the rest of Arkansas? What rates can residents of Little Rock expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Little Rock?

As you can tell from the chart above, the cost of coverage in Little Rock is about $18 a month more expensive than the rest of Arkansas.

Likewise, Little Rock residents should prepare to pay higher rates for coverage than the rest of the country. The average monthly payment in Little Rock is about $1 more expensive than the rate for the rest of the U.S.

These may be the average auto insurance rates for Little Rock, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

We've broken down the average rates for Little Rock to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may climb back up a bit in Little Rock.

Average Car Insurance Rates by Gender

Car insurance rates for men are usually slightly more expensive than they are for women. The difference in Little Rock is about $13 per month. Based on the chart above, you can see that male drivers pay $89 on average, while female drivers typically pay $76 each month.

Average Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Little Rock, having a single accident on your record will usually get you rates around $97 a month. Similarly, drivers with one ticket will typically pay around $89 on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

As you can see in the first table above, the cheapest vehicles to insure in Little Rock are typically SUVs, which run about $74 per month.

Truck and van drivers will see rates of about $78 for auto insurance, while car owners by and large pay around $87 a month.

Vehicle age 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. The most expensive vehicles to insure in Little Rock are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

More often than not, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Little Rock can be as much as $19 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your housing situation. If you rent your home or apartment in Little Rock, expect to pay around $15 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Little Rock, AR

Recent trends in car insurance for Little Rock drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

The cost of insurance in Little Rock increased from 2017-2020, before steadying out in 2021. Car insurance rates finished down in 2022, at $85 per month

How does Little Rock compare to neighboring areas?

Why are car insurance rates in Little Rock different from other areas?

When considering how much to charge for coverage, car insurance companies will review a variety of factors. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

• Area laws
• Number of drivers in the area
• Rate of crime
• Road Safety (total number of local car accidents)
• Off-street parking accessibility

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Little Rock?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But hold on! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies providing policies in Little Rock.

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Little Rock Insurance FAQs

What factors affect car insurance quotes in Little Rock?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.

Why is the cost of car insurance in Little Rock different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Little Rock?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Little Rock?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Little Rock or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?