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
|
|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $24 | $284 | 46 | 06/28/25 | 72204 | ||
| $26 | $310 | 38 | 09/08/25 | 72202 | ||
| $26 | $312 | 38 | 09/04/25 | 72202 | ||
| $33 | $390 | 40 | 10/11/25 | 72211 | ||
| $33 | $394 | 30 | 10/04/25 | 72223 | ||
| $34 | $407 | 39 | 08/17/25 | 72206 | ||
| $36 | $434 | 27 | 10/26/25 | 72211 | ||
| $36 | $434 | 35 | 09/07/25 | 72212 | ||
| $38 | $450 | 64 | 10/13/25 | 72205 | ||
| $38 | $460 | 64 | 10/13/25 | 72205 |
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
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
|
|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $38 | $460 | 64 | 10/13/25 | 72205 | ||
| $50 | $594 | 64 | 10/13/25 | 72205 | ||
| $58 | $700 | 38 | 06/17/25 | 72205 | ||
| $61 | $732 | 33 | 05/31/25 | 72204 | ||
| $61 | $734 | 64 | 10/13/25 | 72205 | ||
| $63 | $758 | 82 | 07/28/25 | 72209 | ||
| $65 | $782 | 74 | 09/23/25 | 72210 | ||
| $65 | $784 | 43 | 10/31/25 | 72209 | ||
| $66 | $786 | 40 | 06/18/25 | 72202 | ||
| $67 | $800 | 50 | 09/28/25 | 72209 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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
|
|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $34 | $412 | 24 | No | 07/12/25 | 72227 | ||
| $35 | $414 | 28 | No | 10/17/25 | 72209 | ||
| $35 | $420 | 25 | No | 10/31/25 | 72211 | ||
| $35 | $420 | 25 | No | 10/10/25 | 72211 | ||
| $36 | $434 | 27 | No | 10/26/25 | 72211 | ||
| $63 | $758 | 82 | 07/28/25 | 72209 | |||
| $65 | $782 | 74 | 09/23/25 | 72210 | |||
| $65 | $784 | 43 | 10/31/25 | 72209 | |||
| $66 | $786 | 40 | 06/18/25 | 72202 | |||
| $67 | $800 | 50 | 09/28/25 | 72209 |
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
|
|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $21 | $252 | 32 | No | 06/23/25 | 72211 | ||
| $23 | $278 | 40 | No | 10/23/25 | 72223 | ||
| $24 | $284 | 46 | No | 06/28/25 | 72204 | ||
| $24 | $288 | 41 | No | 06/14/25 | 72209 | ||
| $24 | $290 | 33 | No | 09/28/25 | 72209 | ||
| $63 | $758 | 82 | 07/28/25 | 72209 | |||
| $65 | $782 | 74 | 09/23/25 | 72210 | |||
| $65 | $784 | 43 | 10/31/25 | 72209 | |||
| $66 | $786 | 40 | 06/18/25 | 72202 | |||
| $67 | $800 | 50 | 09/28/25 | 72209 |
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
|
|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $21 | $246 | 67 | 09/22/25 | 72204 | No | ||
| $21 | $250 | 67 | 07/11/25 | 72204 | No | ||
| $21 | $256 | 67 | 09/11/25 | 72204 | No | ||
| $24 | $292 | 74 | 09/23/25 | 72210 | No | ||
| $25 | $294 | 82 | 07/28/25 | 72209 | No | ||
| $63 | $758 | 82 | 07/28/25 | 72209 | |||
| $65 | $782 | 74 | 09/23/25 | 72210 | |||
| $65 | $784 | 43 | 10/31/25 | 72209 | |||
| $66 | $786 | 40 | 06/18/25 | 72202 | |||
| $67 | $800 | 50 | 09/28/25 | 72209 |
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
|
|---|
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $21 | $246 | 67 | 09/22/25 | No | 72204 | ||
| $21 | $250 | 67 | 07/11/25 | No | 72204 | ||
| $21 | $252 | 32 | 06/23/25 | No | 72211 | ||
| $21 | $256 | 67 | 09/11/25 | No | 72204 | ||
| $23 | $278 | 40 | 10/23/25 | No | 72223 | ||
| $24 | $284 | 46 | 06/28/25 | No | 72204 | ||
| $24 | $288 | 41 | 06/14/25 | No | 72209 | ||
| $24 | $290 | 33 | 09/28/25 | No | 72209 | ||
| $24 | $292 | 40 | 06/18/25 | No | 72202 | ||
| $24 | $292 | 43 | 06/22/25 | No | 72211 |
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
|
|---|
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $52 | $620 | 55 | 08/27/25 | 72211 | ||
| <550 | $73 | $880 | 42 | 10/27/25 | 72223 | ||
| <550 | $82 | $984 | 27 | 07/22/25 | 72211 | ||
| <550 | $89 | $1,066 | 37 | 10/27/25 | 72210 | ||
| <550 | $89 | $1,070 | 35 | 03/23/25 | 72204 | ||
| $24 | $284 | 46 | 72204 | ||||
| $24 | $288 | 41 | 72209 | ||||
| $24 | $290 | 33 | 72209 | ||||
| $24 | $292 | 40 | 72202 | ||||
| $24 | $292 | 43 | 72211 |
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 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 Injury | $59 | $704 | 42 | No | 07/31/25 | 72205 | ||
| At Fault With No Injury | $72 | $866 | 35 | No | 07/18/25 | 72206 | ||
| At Fault With No Injury | $73 | $878 | 33 | No | 03/26/25 | 72211 | ||
| At Fault With No Injury | $73 | $880 | 42 | No | 10/27/25 | 72223 | ||
| At Fault With No Injury | $74 | $882 | 27 | No | 09/29/24 | 72206 | ||
| $24 | $284 | 46 | No | 72204 | ||||
| $24 | $288 | 41 | No | 72209 | ||||
| $24 | $290 | 33 | No | 72209 | ||||
| $24 | $292 | 40 | No | 72202 | ||||
| $24 | $292 | 43 | No | 72211 |
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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $59 | $708 | 40 | 09/16/25 | 72202 | ||
| Speeding under 15 | $60 | $722 | 35 | 06/27/25 | 72209 | ||
| Speeding under 15 | $69 | $830 | 35 | 06/27/25 | 72209 | ||
| Speeding under 15 | $88 | $1,054 | 40 | 09/16/25 | 72202 | ||
| Speeding over 15 | $97 | $1,163 | 57 | 08/30/25 | 72211 | ||
| $24 | $284 | 46 | 06/28/25 | 72204 | |||
| $24 | $288 | 41 | 06/14/25 | 72209 | |||
| $24 | $290 | 33 | 09/28/25 | 72209 | |||
| $24 | $292 | 40 | 06/18/25 | 72202 | |||
| $24 | $292 | 43 | 06/22/25 | 72211 |
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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $71 | $858 | 63 | 10/08/25 | 72204 | ||
| DUI | $73 | $879 | 63 | 10/08/25 | 72204 | ||
| DUI | $108 | $1,293 | 63 | 10/08/25 | 72204 | ||
| DUI | $112 | $1,344 | 63 | 10/08/25 | 72204 | ||
| DUI | $133 | $1,600 | 63 | 10/08/25 | 72204 | ||
| $24 | $284 | 46 | 06/28/25 | 72204 | |||
| $24 | $288 | 41 | 06/14/25 | 72209 | |||
| $24 | $290 | 33 | 09/28/25 | 72209 | |||
| $24 | $292 | 40 | 06/18/25 | 72202 | |||
| $24 | $292 | 43 | 06/22/25 | 72211 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
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.
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.
