North Little Rock, AR Car Insurance

The average cost for car insurance in North Little Rock is about $78 a month. For information on policy rates, coverage, and more check out our guide below.
Are rates in North Little Rock higher or lower than those in neighboring areas? How do they compare to the rest of Arkansas? How much can residents of North Little Rock expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in North Little Rock?

Area Average Monthly Car Insurance Premium
North Little Rock$78
AR$62
United States$80

Car insurance policies across the rest of Arkansas are about $16 a month cheaper than the rates drivers pay in North Little Rock.

Compared to the national average cost of auto insurance coverage, North Little Rock has lower rates. The average monthly payment in North Little Rock is about $2 less than the rate for the rest of the U.S.

While these are the average car insurance rates for North Little Rock, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for North Little Rock residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$226
18-24$113
25-34$75
35-44$68
45-54$69
55-64$48
65+$68

The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay $45 more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may begin to increase again in North Little Rock.

Average Car Insurance Rates by Gender

Gender Average
Male$85
Female$73

On average, female drivers pay slightly less than male drivers for car insurance. In North Little Rock, this difference shakes out to about $12 a month. Looking at the table above, you can see that female drivers pay around $73 on average, while male drivers typically pay $85 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$118
Multiple Accidents$101
1 Ticket$133
Multiple Tickets$388

Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In North Little Rock, having a single accident on your record will usually get you rates around $118 a month. In addition, drivers with one ticket can expect to pay around $133 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$79
2-3 Years$61
4-5 Years$58
6-7 Years$75
8-10 Years$84
11-14 Years$74
15 Years or Older$82

According to the first table above, the cheapest vehicles to insure in North Little Rock are usually trucks and vans, at $66 per month.

Car owners will see a monthly rate of about $81, while SUV owners by and large pay around $77 per month.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In North Little Rock, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$82
Married$66
Divorced$61
Widowed$60

Overall, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

At a national level, single drivers usually pay more than married couples do for auto insurance. North Little Rock follows that pattern, with the difference totaling to around $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$70
Rent$79
Live with parents$92

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in North Little Rock, expect to pay around $9 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in North Little Rock, AR

Recent trends in car insurance for North Little Rock drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

In North Little Rock, the rates for car insurance had been increasing from 2016-2019, before leveling out in 2020. Rates finished up in 2021, at $80 a month

How does North Little Rock compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Total number of drivers
  • Crime levels
  • Frequency of car accidents
  • Area regulations
  • Off-street parking access

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

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

While getting familiar with 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.

Don't worry, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in North Little Rock.

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North Little Rock Insurance FAQs

What factors affect car insurance quotes in North Little Rock?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, credit score, driving record, and marital status.

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

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 North 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.

Find your best rate in just a few minutes