Cheapest Car Insurance In Little Rock, AR 2025
State Farm offers the lowest price for minimum coverage car insurance in Little Rock, averaging $37 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Searching for the most affordable car insurance in Little Rock, AR, can lead to a wide range of options.
State Farm is the top choice for the most affordable liability-only coverage, while GEICO provides the best rates for full coverage. Young drivers, on the other hand, get the lowest prices from USAA.
Cheapest Car Insurance Companies In Little Rock, AR 2025
Cheapest Liability-only Car Insurance In Little Rock: State Farm
In Little Rock, State Farm offers the most affordable minimum coverage car insurance, averaging $37 per month.
Refer to the table below to compare insurance rates from various providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $37 | $444 |
| GEICO | $55 | $660 |
| Allstate | $80 | $960 |
| Auto-Owners | $62 | $744 |
| Nationwide | $82 | $984 |
Cheapest Full Coverage Insurance Rates In Little Rock: GEICO
GEICO offers the lowest full coverage car insurance rates in Little Rock with an average monthly cost of $102.
The table below shows a comparison of average car insurance quotes from budget-friendly providers in Little Rock.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $102 | $1,224 |
| Allstate | $150 | $1,800 |
| Auto-Owners | $115 | $1,380 |
| Nationwide | $151 | $1,812 |
| Travelers | $160 | $1,920 |
Cheapest Car Insurance Rates For Seniors: Erie
State Farm offers the lowest car insurance rates for seniors in Little Rock, with an average monthly cost of $87.
The table below displays average quotes from the most affordable car insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $62 | $744 |
| USAA | $81 | $972 |
| Southern Farm Bureau | $99 | $1,188 |
| Direct auto | $71 | $852 |
| Nationwide | $101 | $1,212 |
Cheapest Rates In Little Rock For Teenagers: State Farm
In Little Rock, teen drivers can get the most affordable car insurance from State Farm, with an average cost of $125 per month.
The table below lists the insurance companies offering the lowest rates for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $125 | $1,500 |
| Auto-Owners | $194 | $2,328 |
| GEICO | $167 | $2,004 |
| Shelter | $250 | $3,000 |
| Farmers | $270 | $3,240 |
Cheapest Auto Insurance For Young Adults in Little Rock: USAA
In Little Rock, young adults can find the lowest insurance rates with USAA, averaging $105 per month.
The table below lets you compare the lowest auto insurance rates for young adults in Little Rock.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $105 | $1,260 |
| Safeco | $145 | $1,740 |
| Southern Farm Bureau | $149 | $1,788 |
| State Farm | $142 | $1,704 |
| Direct Auto | $161 | $1,932 |
Cheapest Car Insurance In Little Rock For Good Drivers: State Farm
State Farm offers the lowest car insurance rates for good drivers in Little Rock, averaging $37 per month.
If you have a clean driving record, check the table below for average quotes from the cheapest insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $37 | $444 |
| GEICO | $55 | $660 |
| Allstate | $80 | $960 |
| Auto-Owners | $62 | $744 |
| Nationwide | $82 | $984 |
Find affordable Little Rock rates
Cheapest Car Insurance In Little Rock After A Speeding Ticket: State Farm
State Farm is one of the most affordable options in Little Rock, offering an average rate of $91 per month for drivers with a speeding ticket.
The table below shows average insurance rates for drivers who have a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $91 | $1,092 |
| Nationwide | $202 | $2,424 |
| Auto-Owners | $154 | $1,848 |
| Allstate | $198 | $2,376 |
| Progressive | $213 | $2,556 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the lowest car insurance rates for drivers with an at-fault accident, averaging $95 per month.
These car insurance companies offer the lowest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $95 | $1,140 |
| GEICO | $141 | $1,692 |
| Auto-Owners | $160 | $1,920 |
| Allstate | $207 | $2,484 |
| Farmers | $210 | $2,520 |
Cheapest Rates In Little Rock For Drivers After A DUI: State Farm
State Farm provides the lowest car insurance rates for drivers with a DUI, offering Little Rock drivers an average monthly premium of $114.
The table below shows the most affordable car insurance rates for Little Rock drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $114 | $1,368 |
| Auto-Owners | $189 | $2,268 |
| USAA | $136 | $1,632 |
| Nationwide | $250 | $3,000 |
| GEICO | $168 | $2,016 |
Best Car Insurance Companies In Little Rock
In Little Rock, State Farm offers the cheapest insurance at $37 per month, while GEICO at $55 and USAA at $45 are also good options.
The table below lists the top 10 car insurance companies in Little Rock, AR, ranked by their average monthly rates.
| Company | Monthly Premium |
| State Farm | $37 |
| GEICO | $55 |
| Allstate | $80 |
| Auto-Owners | $62 |
| Nationwide | $82 |
| USAA | $45 |
| Shelter | $79 |
| Farmers | $82 |
| Root | $85 |
| Travelers | $84 |
Average Rates In Little Rock – By Vehicle
The kind of car you drive greatly affects your insurance rates. Insurers consider the make, model, year, and body style, with newer and luxury vehicles generally costing more to insure.
The table below shows the average insurance rates for various vehicles in Little Rock.
| Vehicle | Average Monthly Rate |
| Toyota Camry | $139 |
| Hyundai Xg | $64 |
| Chevrolet Impala | $110 |
| Ford Focus | $85 |
| Nissan Altima | $106 |
Average Auto Insurance Rates In Little Rock – By Age
Age plays a major role in determining car insurance rates. Younger drivers usually face higher premiums because they have less experience and a greater risk of accidents and traffic violations. On average, teens pay about $2,074 per year for coverage.
Once drivers turn 25, their insurance rates typically drop, provided they have a clean driving history.
Drivers in their 50s and early 60s often get the lowest insurance rates since companies factor in age when evaluating experience and risk.
| Age | Average Yearly Rate |
| Teenagers | $2,074 |
| 20s | $1,742 |
| 30s | $1,233 |
| 40s | $1,223 |
| 50s | $1,140 |
| 60s | $1,177 |
| 70s | $1,383 |
Average Cost Of Auto Insurance In Little Rock – By Zip Code
Insurance companies use zip codes to assess crime levels, which is why car insurance rates vary by location.
The table below shows the average car insurance rates for various zip codes in Little Rock.
| City | Average Monthly Rate |
| 72210 | $116 |
| 72204 | $119 |
| 72201 | $150 |
| 72227 | $117 |
| 72103 | $98 |
How Much Is Car Insurance In Other Cities in Arkansas?
Where you live has a big impact on your car insurance costs. Insurers consider accident rates, theft, and vandalism, which tend to be higher in cities, leading to pricier premiums.
In Pine Bluff, drivers typically pay about $112 per month for car insurance, whereas those in Springdale see an average rate of $176 per month.
| City | Average Monthly Rate |
| Arkadelphia | $109 |
| Pine Bluff | $112 |
| Benton | $106 |
| North Little Rock | $109 |
| Fayetteville | $111 |
| Monticello | $106 |
| Fort Smith | $105 |
| Springdale | $97 |
| Hot Springs National Park | $116 |
| Jonesboro | $111 |
Find affordable Little Rock rates
Our Methodology
After analyzing factors like customer service, pricing, product options, and online reviews, I’ve put together a detailed overview of car insurance providers in Little Rock, AR.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Little Rock?
In Little Rock, State Farm has the cheapest rates for minimum coverage, while GEICO offers the most affordable full coverage, including comprehensive and collision.
What is the average cost of car insurance in Little Rock?
In Little Rock, the average car insurance rate is around $120 per month, though your actual cost depends on factors like zip code, vehicle type, and driving history.
