Cheap Car Insurance in Little Rock, Arkansas
The capital of Arkansas is a thriving metropolis with many historical and cultural experiences to enjoy. Its heart is downtown Little Rock and the River Market District, one of the best places to sample its unique shops, art galleries, and live music. Little Rock’s Quapaw Quarter is also a can’t-miss spot with architecture dating back to the 1870s. Finally, it is home to the MacArthur Museum of Arkansas Military History and the majestic Bernice Gardens.
Other popular attractions in Little Rock, AR or Conway, AR include the Rock Town Distillery, Old Mill, Little Rock Zoo, and the Big Dam Bridge, the longest pedestrian and cyclist bridge in the United States.
You must have auto insurance if you want to drive legally in Little Rock-North Little Rock-Conway. Let’s learn more about car insurance in Arkansas, including average rates paid in each zip code, how to earn discounts, and the state’s minimum liability requirements.
Quick Facts
- Little Rock is Arkansas’ main government and transportation hub.
- Former president Bill Clinton was born in the small town of Hope, 115 miles away from Little Rock. Despite this, Little Rock has many buildings bearing his name, such as the Bill and Hillary Clinton National Airport and Clinton Presidential Centre and Park.
- The Esse Purse Museum is the only brick-and-mortar purse museum in the United States.
- The “cheese dog” (frankfurter with cheese) was invented in Little Rock by the Finkbeiner Meat Packing Company.
How Much Does Car Insurance Cost in Little Rock, AR?
In Little Rock or Conway, drivers pay an average monthly rate of $166 for full coverage car insurance. This is slightly higher than the national average of $140 per month and close to the Arkansas average of $160 monthly. The cheapest car insurance in Little Rock, AR is the state-required minimum insurance, which comes in at an average of $50 per month. This is close to the national average of $47 and higher than Arkansas’ average overall of $39 monthly.
Even though it is cheaper, the state-required liability insurance only helps pay for injuries and property damage you cause in an accident that is your fault. Any bills over that amount will be coming out of your pocket. You’ll also be responsible for paying for your own injuries and damages. That’s why some drivers choose full coverage, which adds collision insurance and comprehensive insurance to liability.
Check out our list below to see average monthly car insurance prices in cities near to Conway, Arkansas:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Little Rock | $166 | $50 |
| North Little Rock | $160 | $50 |
| Conway | $138 | $42 |
| Fayetteville | $134 | $38 |
| Hot Springs | $151 | $41 |
| Mena | $144 | $33 |
| Pine Bluff | $158 | $45 |
Affordable Car Insurance Rates by Zip Code in Little Rock, AR
Generally, the more accidents and claims a zip code has, the higher the auto insurance premiums paid by its residents. Therefore, each zip code has a different average monthly rate.
Check out our list below for average monthly car insurance prices by zip code:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 72076 | $143 | $43 |
| 72103 | $155 | $47 |
| 72116 | $146 | $45 |
| 72117 | $148 | $44 |
| 72118 | $148 | $45 |
| 72120 | $145 | $44 |
| 72201 | $166 | $50 |
| 72202 | $166 | $52 |
| 72204 | $166 | $53 |
| 72205 | $161 | $50 |
| 72206 | $165 | $50 |
| 72207 | $154 | $48 |
| 72209 | $164 | $51 |
| 72210 | $157 | $48 |
| 72211 | $154 | $48 |
| 72212 | $154 | $48 |
| 72215 | $166 | $53 |
| 72217 | $166 | $53 |
| 72219 | $166 | $53 |
| 72223 | $153 | $47 |
| 72227 | $159 | $50 |
| 72231 | $166 | $53 |
Low-Cost Car Insurance Rates by Age in Little Rock, AR
Young drivers are more likely to have a riskier driving profile than others, since as a group they tend to have more accidents and citations. This driving profile leads to much higher rates than those of older drivers. Expect your rates to stay elevated before leveling off in your 30s.
Check out our list below for average monthly car insurance prices by age:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $712 | $247 |
| 20s | $184 | $58 |
| 30s | $166 | $53 |
| 40s | $152 | $49 |
| 50s | $150 | $50 |
| 60s | $164 | $57 |
| 70s | $174 | $61 |
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Arkansas. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
Get a Quote for Car Insurance in Arkansas Today!
Driving Conditions in Little Rock, AR
How Many Fatal Accidents Happen in Little Rock or Conway?
In 2020, there were 40 fatal wrecks in Little Rock, 7 in North Little Rock and 3 in Conway.
In 2019, Little Rock had 32 fatal car crashes and road traffic accidents, resulting in 33 fatalities. Of these, there were a total of 45 vehicles, 65 people, and 12 pedestrians involved.
How Are the Road Infrastructure and Bridges in Little Rock, AR?
The city of Little Rock has a strong Public Works department that manages everything from upgrading drainage systems to maintaining all traffic systems. Its divisions include, but are not limited to, parking enforcement, operations, solid waste services, building services, and traffic engineering.
Its traffic engineering division works to install, operate, and maintain all traffic systems in the city. These include maintaining 300 traffic signals, road signs, pavement markings, and reviewing traffic impact studies.
For more information on its Traffic Operations Division, visit City of Little Rock Arkansas – Traffic Engineering Division.
Minimum Car Insurance Requirements in Little Rock, Arkansas
Required car insurance in Arkansas consists of the most basic liability car insurance, which includes bodily injury/death liability insurance and property damage liability insurance. Here are Arkansas state minimum requirements for car insurance:
- Bodily injury liability coverage: $25,000 per person
- Bodily injury liability coverage: $50,000 per accident
- Property damage liability coverage: $25,000 per person
We highly recommend increasing your coverage amounts and opting for a full policy, which includes comprehensive and collision insurance. This protects against vehicle-to-vehicle, vehicle-to-object, rollover collisions, and damages outside your control such as theft or weather-related incidents. However, the coverage that meets the mandatory requirements set by the state may not be enough to cover you in a severe accident.
What Are the Penalties for Driving Without Insurance in Little Rock, AR?
Arkansas Code § 27-19-713 under the Motor Vehicle Safety Responsibility Act requires that all drivers carry auto insurance.
Failure to have an active policy while pulled over at a traffic stop can result in a registration and driver’s license suspension and fines anywhere from $50 to $1,000, depending on the number of past offenses. Third and subsequent offenses could also see you serve one year in jail. It’s easy for the Arkansas Office of Motor Vehicle (OMV) to know if you are covered or not, with all lapsed insurance policies communicated by your insurer to the state.
Remember, all Arkansas drivers must carry the minimum limits of 25/50/25.
Car Insurance Factors Allowed in Little Rock, AR Insurance Rates
Each state determines what information insurance companies can use to determine your auto insurance premiums.
In Little Rock or Conway, car insurance rates are set by these factors (not an all-inclusive list):
- Driving record
- Age
- Gender
- Zip code
- Marital status
- Type of vehicle
- Credit rating
Another factor that determines your car insurance rate is your elected coverage limits and deductible amount. Higher liability limits and a lower deductible will increase your premiums. Be sure to speak with your insurance agent to understand the policy that’s right for you.
Discounts for Car Insurance in Little Rock, Arkansas
There are many car insurance discounts available to Little Rock drivers. Some of them depend on your driving record, with good drivers getting a discount.
Other discounts available include but are not limited to:
One of the best ways to save on car insurance is to take advantage of low mileage discounts. If you drive less than the average number of miles per year, expect to see savings. Another way to save on car insurance is to choose two or more types of insurance from the same insurer, such as auto and home insurance.
Get a Quote for Low-Cost Car Insurance in Little Rock, AR Today!
By now, you’ve become an expert on car insurance in Little Rock-North Little Rock-Conway. So let’s take the next step with an affordable auto insurance policy from Freeway Insurance.
If you wish to get started, you can reach out to us in three ways. Request a quote for car insurance online, visit us at a Little Rock-North Little Rock-Conway office near you, or call us at 800-777-5620.