Cheap Car Insurance in Little Rock

Written by Xuyun Zeng and 1 other
Updated Jul 23, 2025
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Cheap Car Insurance in Little Rock

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There’s plenty to see and do in Little Rock, from tooling around the Capitol to soaking up picturesque views along the Arkansas River. However, bridges over the river can create bottlenecks, especially during rush hour, and sudden storms or winter ice make conditions unpredictable. Ongoing development and a growing population add to congestion in key areas.

A robust car insurance policy can protect your finances if you’re in an accident. Jerry can help drivers in Little Rock find the best deals on car insurance, and understand how factors like age, ZIP code and driving history can affect the cost of coverage.

Cheapest minimum coverage in Little Rock

These are the cheapest quotes that drivers in Little Rock have received via Jerry for minimum coverage.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$25 $300 Geico 45 April 15, 2025 Little Rock, AR 72209
$38 $459 Geico 36 February 19, 2025 Little Rock, AR 72207
$40 $476 National General 45 June 28, 2025 Little Rock, AR 72103
$42 $500 National General 67 July 28, 2025 Little Rock, AR 72206
$42 $501 Geico 28 February 15, 2025 Little Rock, AR 72223
$43 $510 Progressive 66 July 2, 2025 Little Rock, AR 72207
$43 $516 Trexis 45 April 15, 2025 Little Rock, AR 72209
$46 $546 Geico 31 March 10, 2025 Little Rock, AR 72206
$47 $558 Progressive 54 March 22, 2025 Little Rock, AR 72210
$47 $565 Geico 38 February 9, 2025 Little Rock, AR 72206
Last Updated Jul 30, 2025

Arkansas requires drivers to carry these minimum coverages:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $25,000 in property damage liability.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

Cheapest full coverage in Little Rock

Arkansas has seen a few cases of severe weather such as tornadoes, hail, heavy snow and floodings in the past 10 years. If your car is damaged by bad weather, minimum coverage won’t pay for your repairs, but full coverage could. These are the cheapest quotes that drivers in Little Rock have received via Jerry for full coverage.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$43 $510 Progressive 66 July 2, 2025 Little Rock, AR 72207
$57 $687 Progressive 54 March 22, 2025 Little Rock, AR 72210
$58 $700 Progressive 38 June 17, 2025 Little Rock, AR 72205
$61 $732 Progressive 33 May 31, 2025 Little Rock, AR 72204
$63 $758 Progressive 82 July 28, 2025 Little Rock, AR 72209
$66 $786 Progressive 40 June 18, 2025 Little Rock, AR 72202
$68 $810 Geico 47 February 6, 2025 Little Rock, AR 72205
$69 $833 Progressive 43 June 22, 2025 Little Rock, AR 72211
$70 $839 Progressive 37 June 13, 2025 Little Rock, AR 72223
$70 $840 Safeco 66 July 2, 2025 Little Rock, AR 72207
Last Updated Jul 30, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

Cheapest car insurance for young drivers in Little Rock (18-29 years old)

Young drivers typically pay more for auto insurance because they have limited driving experience. It’s a good idea to shop around for quotes to ensure you’re getting the most affordable coverage possible. These are the cheapest quotes that drivers between 18 and 29 years old in Little Rock have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$35 $424 Progressive 26 No May 7, 2025 Little Rock, AR 72223
$40 $476 Progressive 23 No May 14, 2025 Little Rock, AR 72209
$41 $494 Progressive 25 No April 11, 2025 Little Rock, AR 72202
$42 $501 Geico 28 No February 15, 2025 Little Rock, AR 72223
$42 $504 ROOT 21 No July 25, 2025 Little Rock, AR 72223
Last Updated Jul 30, 2025

Cheapest car insurance for mature drivers in Little Rock (30-54 years old)

Drivers between 30 and 54 years old typically pay less for auto insurance than younger drivers. These are the cheapest quotes that mature drivers in Little Rock have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$21 $252 Progressive 32 No June 23, 2025 Little Rock, AR 72211
$24 $292 Progressive 40 No June 18, 2025 Little Rock, AR 72202
$24 $292 Progressive 43 No June 22, 2025 Little Rock, AR 72211
$25 $296 Progressive 33 No May 31, 2025 Little Rock, AR 72204
$25 $296 Progressive 39 No June 16, 2025 Little Rock, AR 72223
Last Updated Jul 30, 2025

Cheapest car insurance for older drivers in Little Rock (55+ years old)

Drivers 55 and older typically pay a low rate for car insurance, though rates may tick upward at around 70 years old. These are the cheapest quotes that older drivers in Little Rock have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$21 $250 Progressive 67 July 11, 2025 Little Rock, AR 72204 No
$25 $294 Progressive 82 July 28, 2025 Little Rock, AR 72209 No
$26 $306 Progressive 77 June 15, 2025 Little Rock, AR 72204 No
$27 $322 Progressive 77 June 12, 2025 Little Rock, AR 72204 No
$30 $354 Progressive 62 June 12, 2025 Little Rock, AR 72202 No
Last Updated Jul 30, 2025

Cheapest car insurance for drivers with clean records in Little Rock

Driving safely and avoiding accidents, fines and insurance claims typically gets you a lower premium. Here are the cheapest quotes that drivers in Little Rock with clean records have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$21 $250 Progressive 67 July 11, 2025 No Little Rock, AR 72204
$21 $252 Progressive 32 June 23, 2025 No Little Rock, AR 72211
$24 $292 Progressive 43 June 22, 2025 No Little Rock, AR 72211
$24 $292 Progressive 40 June 18, 2025 No Little Rock, AR 72202
$25 $294 Progressive 82 July 28, 2025 No Little Rock, AR 72209
$25 $296 Progressive 33 May 31, 2025 No Little Rock, AR 72204
$25 $296 Progressive 39 June 16, 2025 No Little Rock, AR 72223
$25 $300 Geico 45 April 15, 2025 No Little Rock, AR 72209
$26 $306 Progressive 37 June 13, 2025 No Little Rock, AR 72223
$26 $306 Progressive 77 June 15, 2025 No Little Rock, AR 72204
Last Updated Jul 30, 2025

Cheapest car insurance for drivers with low credit scores in Little Rock

Arkansas allows insurers to use your credit score to determine your premium. A low credit score may cause your rates to be higher. These are the cheapest quotes that drivers in Little Rock with credit scores below 550 have received via Jerry.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $56 $676 Trexis 45 July 14, 2024 Little Rock, AR 72207
<550 $60 $721 Trexis 45 May 13, 2025 Little Rock, AR 72207
<550 $61 $732 Trexis 45 August 29, 2024 Little Rock, AR 72207
<550 $68 $818 Trexis 45 July 16, 2024 Little Rock, AR 72207
<550 $72 $860 National General 45 August 29, 2024 Little Rock, AR 72207
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with at-fault accidents in Little Rock

If you’ve recently been in an at-fault accident, your premium may rise. Compare various quotes to ensure you’re getting the cheapest rate possible. Here are the cheapest quotes that Jerry has served to customers in Little Rock with at-fault accidents.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $39 $468 National General 38 No February 3, 2025 Little Rock, AR 72212
At Fault With No Injury $66 $796 National General 45 No June 5, 2025 Little Rock, AR 72206
At Fault With No Injury $67 $808 National General 46 No May 9, 2024 Little Rock, AR 72209
At Fault With No Injury $71 $846 National General 35 No July 18, 2025 Little Rock, AR 72206
At Fault With No Injury $71 $850 Trexis 35 No June 28, 2024 Little Rock, AR 72206
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with speeding tickets in Little Rock

If you’ve recently been cited for speeding, your rates could rise when your policy is up for renewal. Shop around to ensure you’re getting the best rate possible. These are the cheapest quotes that drivers with speeding tickets in Little Rock have received via Jerry.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding over 15 $72 $862 National General 30 January 1, 2025 Little Rock, AR 72212
Speeding over 15 $76 $912 Safeco 30 January 1, 2025 Little Rock, AR 72212
Speeding under 15 $82 $984 Progressive 27 July 21, 2025 Little Rock, AR 72211
Speeding under 15 $87 $1,038 Progressive 28 April 29, 2025 Little Rock, AR 72209
Speeding under 15 $87 $1,046 National General 35 September 22, 2024 Little Rock, AR 72204
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with DUIs in Little Rock

A DUI may cause your premium to rise, and insurers may consider you a “high-risk” driver, which could make it difficult to find coverage. Compare auto policies to get the right coverage at the cheapest rate. These are the cheapest quotes that drivers in Little Rock with DUIs have received via Jerry.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.