Cheapest car insurance companies in Little Rock
Travelers and Nationwide offer the cheapest car insurance rates in Little Rock for 2023, according to a study by Insurance.com.
In Little Rock, Travelers provides the cheapest auto insurance rates to drivers at an average annual premium of $1,570 annually.
Car insurance costs may vary in Little Rock based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Little Rock.
| Companies | Average annual rates |
|---|---|
| USAA | $1,133 |
| Travelers | $1,570 |
| Nationwide | $1,658 |
| Geico | $1,761 |
| Shelter Insurance | $1,889 |
| Southern Farm Bureau | $2,227 |
| State Farm | $2,400 |
| Farmers | $2,473 |
| Progressive | $2,574 |
| Allstate | $2,956 |
Cheapest car insurance cost in Little Rock by Age Group
USAA stands out as Little Rock's cheapest auto insurance company for teen drivers at an average annual of $3,917. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
USAA provides the cheapest car insurance coverage for young drivers in Little Rock, with an annual premium of $1,626 on average.
Drivers in Little Rock stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. USAA has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $1,138 a year.
USAA tops the list in terms of affordability for senior drivers in Little Rock. With an average annual premium of $1,173, USAA offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $3,917 | $1,626 | $1,138 | $1,173 |
| Travelers | $4,378 | $2,426 | $1,598 | $1,602 |
| Southern Farm Bureau | $4,668 | $3,312 | $2,238 | $2,046 |
| Shelter Insurance | $5,879 | $3,519 | $1,965 | $1,762 |
| Nationwide | $6,118 | $2,946 | $1,630 | $1,597 |
| Geico | $6,221 | $2,779 | $1,730 | $1,643 |
| State Farm | $7,298 | $4,134 | $2,421 | $2,341 |
| Alfa Corporation | $8,439 | $5,610 | $3,207 | $3,418 |
| Farmers | $11,358 | $3,285 | $2,359 | $2,484 |
| Progressive | $11,743 | $4,139 | $2,598 | $2,512 |
| Allstate | $13,198 | $4,875 | $2,931 | $3,060 |
Cheapest car insurance companies in Little Rock by driver profile
Insurers in Little Rock consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.
It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Little Rock that suits your budget.
Below are some of the cheapest car insurance companies in Little Rock by driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: State Farm
- Cheapest for DUI: Geico
Cheapest for a driver with poor credit: Geico
The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Little Rock drivers at about $1,639 per year.
Drivers with poor or bad credit scores in Little Rock can consider the following car insurance companies to get the affordable car insurance coverage.
| Company | Average annual rates |
|---|---|
| Geico | $1,639 |
| USAA | $2,037 |
| Nationwide | $2,192 |
| Farmers | $2,233 |
| Travelers | $2,336 |
| Progressive | $2,967 |
| Allstate | $3,519 |
| State Farm | $7,165 |
Cheapest for drivers with a speeding ticket: USAA
USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Little Rock. It provides full coverage car insurance for drivers aged 30 at about $1,363 per year.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Company | Average annual premium |
|---|---|
| USAA | $1,363 |
| Geico | $1,444 |
| State Farm | $1,488 |
| Farmers | $1,972 |
| Travelers | $2,050 |
| Nationwide | $2,271 |
| Progressive | $2,452 |
| Allstate | $2,704 |
Cheapest auto insurance after an at-fault accident: State Farm
State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Little Rock is $1,605. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Company | Average annual rates |
|---|---|
| State Farm | $1,605 |
| USAA | $1,871 |
| Travelers | $1,994 |
| Geico | $2,127 |
| Farmers | $2,237 |
| Nationwide | $2,657 |
| Progressive | $3,399 |
| Allstate | $3,652 |
Cheapest auto insurance after a DUI: Geico
Geico is the cheapest option for Little Rock drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $1,309, on average.
Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.
| Company | Average annual rates |
|---|---|
| Geico | $1,309 |
| State Farm | $1,488 |
| USAA | $2,204 |
| Farmers | $2,364 |
| Travelers | $2,459 |
| Progressive | $2,561 |
| Allstate | $3,648 |
| Nationwide | $5,665 |
Average car insurance cost in Little Rock
In Little Rock, the average annual cost for full coverage car insurance is around $2,064, which breaks down to approximately $172 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Little Rock is about $522.
Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as
| Average annual Rates | State minimum average |
|---|---|
| $2,064 | $522 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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