Finding affordable car insurance in Little Rock may vary by coverage and driver specifics. For full coverage, Southern Farm Bureau stands out, differing from Allstate, which is best for families with teens. When it comes to customer service, Auto-Owners also leads, and is the same company rated as best overall for a blend of price and service. The right choice for you, however, will hinge on personal needs and coverage priorities.
Cheapest and Best Car Insurance in Little Rock, AR (2024)
Updated: December 19, 2024
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Key Takeaways
In Little Rock, opting for Southern Farm Bureau's minimum coverage car insurance at $428 per year can save drivers a remarkable $985 compared to Dairyland's most expensive offering of $1,413, underscoring the substantial savings potential from comparing different providers.
In Little Rock, comparing full coverage car insurance premiums reveals substantial savings opportunities, with Southern Farm Bureau offering the most affordable rate at $949 per year, significantly undercutting Dairyland's $3,189 premium by $2,240, underscoring the importance of shopping around for the best rates to potentially save a considerable amount annually.
In Little Rock, military drivers seeking affordable full coverage car insurance will find USAA to be the most cost-effective option, with an annual premium of $650, significantly cheaper than Southern Farm Bureau's rate of $949 per year.
Why Trust MoneyGeek? We analyzed 18,932 quotes in Arkansas, including the city of Little Rock, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Little Rock insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Little Rock, AR, as of July 2024.
18,932Quotes Analyzed
18Companies Compared
Cheapest Minimum Liability Car Insurance in Little Rock
MoneyGeek found that Southern Farm Bureau is the cheapest option in Little Rock, with a notable difference in annual premiums for minimum coverage car insurance.
- Southern Farm Bureau: $428 per year
- State Farm: $473 per year
Dairyland offers the most expensive minimum coverage policy in Little Rock, with an annual premium of $1,413. This is a staggering $985 difference compared to Southern Farm Bureau.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Minimum Coverage
| Southern Farm Bureau | $428 | $36 |
| State Farm | $473 | $39 |
| Nationwide | $509 | $42 |
| Progressive | $513 | $43 |
| Auto-Owners Insurance Co | $535 | $45 |
| Travelers | $575 | $48 |
| GEICO | $590 | $49 |
| Shelter | $621 | $52 |
| AAA | $633 | $53 |
| Farmers | $635 | $53 |
| Alfa | $747 | $62 |
| Allstate | $755 | $63 |
| Hanover | $851 | $71 |
| Home State Ins Group | $907 | $76 |
| Dairyland | $1,413 | $118 |
In Arkansas, all cities, including Little Rock, adhere to state-mandated minimum car insurance requirements. Here's what the law stipulates:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage liability per accident
Consider you're carrying the minimum coverage, and you're responsible for an accident that injures another driver. Your policy will cover up to $25,000 for their injuries, but if their medical bills exceed this limit, you're expected to cover the difference out of pocket. Likewise, if multiple people are injured and the total expenses surpass the per accident limit of $50,000, those extra costs are your responsibility.
Cheapest Full Coverage Car Insurance in Little Rock
MoneyGeek found that Southern Farm Bureau is the cheapest option in Little Rock for cheapest full coverage car insurance. The most affordable providers are:
- Southern Farm Bureau: $949 per year
- Nationwide: $1,021 per year
Dairyland has the most expensive full coverage policy in Little Rock, with an annual rate of $3,189. That's $2,240 more expensive than Southern Farm Bureau.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
| Southern Farm Bureau | $949 | $79 |
| Nationwide | $1,021 | $85 |
| Travelers | $1,082 | $90 |
| Auto-Owners Insurance Co | $1,100 | $92 |
| State Farm | $1,152 | $96 |
| Shelter | $1,236 | $103 |
| GEICO | $1,251 | $104 |
| Farmers | $1,275 | $106 |
| Allstate | $1,347 | $112 |
| AAA | $1,404 | $117 |
| Progressive | $1,580 | $132 |
| Alfa | $1,732 | $144 |
| Hanover | $2,158 | $180 |
| Home State Ins Group | $2,230 | $186 |
| Dairyland | $3,189 | $266 |
A full coverage plan in Little Rock enhances your protection significantly by expanding the liability limits beyond the basic minimum. This enhanced policy offers $100,000 for bodily injury per individual, $300,000 for bodily injury per collision, and $100,000 for property damage per collision. In industry terms, professionals refer to this as a 100/300/100 policy.
Full coverage extends beyond increased liability limits, encompassing two other key components:
Collision Insurance: This part of the policy provides financial protection for damages to your automobile as a result of a crash, whether it involves another vehicle or an object like a lamppost or a fence, a tree or light pole. It also covers rollover accidents and pothole damage.
Comprehensive Insurance: This insurance pays for car damages caused by incidents that aren't crash-related, such as theft, vandalism and damage from natural disasters and being struck by an animal like a deer.
For owners of new vehicles, opting for full coverage insurance is a good choice. For old vehicles, the added expense of full coverage may not be cost-effective. More comprehensive insurance translates to higher premiums, yet more modest coverage could leave you vulnerable financially if an accident occurs. To decide how much car insurance you need evaluate your specific situation.
Cheapest Car Insurance in Little Rock After a Driving Offense
MoneyGeek found that Southern Farm Bureau is the most affordable insurance option in Little Rock for drivers with a poor driving record, offering different rates depending on the specific violation.
- Speeding Ticket: Southern Farm Bureau ($1,056 per year)
- At-fault accident: Southern Farm Bureau ($1,278 per year)
- DUI: Southern Farm Bureau ($1,184 per year)
Among the companies listed, Dairyland tends to have the highest annual rates for drivers with these infractions, with the greatest difference in annual premiums being between the cheapest rates after a speeding ticket and after a DUI: a difference of $128, illustrating how the type of offense can significantly influence car insurance costs.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
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Incident:Speeding
| Southern Farm Bureau | $1,056 | $88 |
| State Farm | $1,293 | $108 |
| Nationwide | $1,337 | $111 |
| GEICO | $1,402 | $117 |
| Auto-Owners Insurance Co | $1,508 | $126 |
| Travelers | $1,518 | $127 |
| Allstate | $1,577 | $131 |
| Farmers | $1,609 | $134 |
| Hanover | $1,616 | $135 |
| AAA | $2,019 | $168 |
| Progressive | $2,140 | $178 |
| Shelter | $2,213 | $184 |
| Home State Ins Group | $2,322 | $193 |
| Alfa | $2,659 | $222 |
| Dairyland | $4,545 | $379 |
Insurance rates in Little Rock, and similar cities, are typically elevated for drivers with infractions because serious offenses are linked to higher risks for insurers. For example, drivers with a speeding ticket may face an average annual rate of $2,580, while those with a DUI could encounter rates around $2,910.
Cheapest Car Insurance in Little Rock for Teens and Their Families
MoneyGeek found that Allstate is the cheapest option in Little Rock for families seeking the cheapest car insurance for teens. Here are the most affordable providers:
- Allstate: $1,846 per year for female teens and $1,986 per year for male teens
- Nationwide: $1,871 per year for female teens and $2,117 per year for male teens
Progressive has the most expensive teen family policy in Little Rock, with annual premiums of $3,178 for female teens and $3,563 for male teens. The $1,332 difference between the cheapest and most expensive option for female teens is why you should compare quotes.
Data filtered by:Results filtered by:
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Age:16
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Gender:Female
| Allstate | $1,846 | $7,248 |
| Nationwide | $1,871 | $3,915 |
| State Farm | $2,039 | $2,905 |
| Travelers | $2,369 | $4,033 |
| GEICO | $2,450 | $6,370 |
| Farmers | $2,968 | $7,843 |
| Progressive | $3,178 | $9,773 |
| Auto-Owners Insurance Co | $3,477 | $3,288 |
In Little Rock, teens seeking car insurance face steep premiums; on average an individual annual policy costs $6,487, in contrast to the more economical $2,819 added to a family plan. This difference is due to the risks associated with insuring inexperienced drivers,
Cheapest Car Insurance in Little Rock for Military Drivers
MoneyGeek found that USAA offers the cheapest full coverage car insurance for military backgrounds in Little Rock. Here are the two least expensive options available:
- USAA: $650 per year
- Southern Farm Bureau: $949 per year
USAA not only offers the lowest annual premium but also provides services particularly tailored to the needs of active-duty military members().
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
| USAA | $650 | $54 |
| Southern Farm Bureau | $949 | $79 |
| Nationwide | $1,021 | $85 |
| Travelers | $1,082 | $90 |
| Auto-Owners Insurance Co | $1,100 | $92 |
| State Farm | $1,152 | $96 |
| Shelter | $1,236 | $103 |
| GEICO | $1,251 | $104 |
| Farmers | $1,275 | $106 |
| Allstate | $1,347 | $112 |
| AAA | $1,404 | $117 |
| Progressive | $1,580 | $132 |
| Alfa | $1,732 | $144 |
| Hanover | $2,158 | $180 |
| Home State Ins Group | $2,230 | $186 |
| Dairyland | $3,189 | $266 |
How to Compare Cheap Little Rock Car Insurance Quotes Online
You can use MoneyGeek's car insurance calculator to get car insurance rate estimates. By merely inputting age, driving history, credit score and desired coverage among a handful of determinants, users receive a tailored rate estimate.
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Rates updated:
Dec 21, 2024
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Best Car Insurance in Little Rock: Overview
Choosing the ideal auto insurance requires weighing factors like service quality, cost efficiency, coverage options, and more. MoneyGeek's unique scoring systems for each category have determined that in Little Rock, the top car insurance providers are:
- Best overall: Auto-Owners (MoneyGeek score of 79 out of 100)
- Best for service: Auto-Owners (MoneyGeek score of 74 out of 100)
- Best cheap: Auto-Owners (MoneyGeek score of 82 out of 100)
Since Auto-Owners wins across all categories.
Overall Best Car Insurance in Little Rock
MoneyGeek found that Auto-Owners has the top-rated car insurance in Little Rock, offering a combination of high customer satisfaction and cost-effectiveness. When it comes to securing the best car insurance, here are the leading providers in the city:
- Auto-Owners: MoneyGeek score of 79 out of 100 ($1,100 per year)
- Shelter: MoneyGeek score of 74 out of 100 ($1,236 per year)
Auto-Owners stands out primarily because of its superior satisfaction and affordability scores.
Best OverallAuto-Owners Insurance
MoneyGeek Score:
79/ of 100
Overview
Auto-Owners has a perfect coverage score and high marks in affordability and claims. It offers roadside assistance and rental car and/or travel reimbursement. It also offers gap insurance, accident forgiveness and diminished value coverage.
Its personal automobile plus package bundles several advantageous coverages, and the deductible modification is a unique offering that waives your collision deductible under certain circumstances.
Best Car Insurance in Little Rock for Customer Service
MoneyGeek found that Auto-Owners is the best option in Little Rock for those looking for top-notch customer service from their car insurance provider.
- Auto-Owners: MoneyGeek score of 74 out of 100 ($1,100 per year)
- Shelter: MoneyGeek score of 69 out of 100 ($1,236 per year)
Auto-Owners is the frontrunner due to its exceptionally high marks in customer satisfaction and claims processing.
Best for Customer ServiceAuto-Owners Insurance
MoneyGeek Score:
74/ of 100
Overview
Auto-Owners scores well in affordability, customer satisfaction and claims management. It offers above-average customer service and sets itself apart through a coverage score of 10 (out of 10). Customer service is an important factor when choosing a car insurance company since you want excellent service when you need to make a claim. It also offers accident forgiveness, diminished value coverage and gap insurance.
Best Cheap Car Insurance Companies in Little Rock
MoneyGeek found that Auto-Owners is the premier choice for cheap car insurance in Little Rock for cost-conscious drivers, not only for its affordability but also for its performance in claims handling and customer satisfaction.
- Auto-Owners: MoneyGeek score of 82 out of 100 ($535 per year)
- State Farm: MoneyGeek score of 76 out of 100 ($473 per year)
Auto-Owners distinguishes itself with the highest MoneyGeek score, reflecting its exceptional balance between cost-efficiency and quality service.
Best Cheap CompanyAuto-Owners Insurance
MoneyGeek Score:
82/ of 100
Overview
Auto-Owners leads with stellar performance in coverage and claims, securing a top spot in MoneyGeek's ranking system. With an average annual premium of only $535, the cost for minimum coverage translates to a particularly economical $45 per month for the average driver.
Average Cost of Car Insurance in Little Rock
In Little Rock, the average car insurance cost stands at $1,519. This figure surpasses the statewide average in Arkansas, which is $1,349, showing that residents of Little Rock pay an additional $170 on average for their auto insurance. Furthermore, Arkansas' average is notably lower than the national average, with residents paying $432 less than the typical U.S. premium of $1,781.
Car insurance rates are influenced by a range of variables, with location being a significant factor. Insurers consider the frequency of claims in an area, the cost of living, and local laws, among other aspects. Although Little Rock has the most expensive premiums in the state at $1,128, residents of Arkansas typically enjoy premiums that are less than the national average. This is evident when comparing Little Rock's premium with the least expensive city in Arkansas, which shows a difference of $135. The disparity in premiums demonstrates how urban locations with higher traffic density tend to have higher insurance costs, whereas more rural or less populated areas might see even lower rates.
| Little Rock | $1,519 |
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.