Car Insurance in Little Rock, Arkansas
Estimated full coverage in Little Rock runs about $1,525 a year ($127/month) — ▲ +8% versus the Arkansas average, ranking 3rd most expensive of the 8 Arkansas cities we cover.
Why car insurance in Little Rock costs more than the Arkansas average
Insurers price by territory, and Little Rock's numbers explain most of the gap. With 204,774 residents on 121.2 square miles, the city's density (1,689 people per square mile) is 7.5 times the density where the typical Arkansas resident lives (225). The average commute is 18.5 minutes (Arkansas: 22.5), and 76% of workers drive alone. Together these put our location factor at 1.08× the state baseline for liability and collision, and 1.10× for comprehensive once FEMA weather risk for Pulaski County is included.
| Factor | Little Rock | Arkansas ref. | Why it matters |
|---|---|---|---|
| Population density | 1,689 / sq mi | 225 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 18.5 min | 22.5 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 2.7% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 75.8% | — | Share of workers commuting by car. |
| Public transit to work | 0.8% | — | Transit use lowers how much residents drive. |
| Work from home | 12.4% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 8.0% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 92.0 | 82.4 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Little Rock
Rates can change from one ZIP code to the next. Across 11 Little Rock ZIP codes, our full-coverage estimate ranges from $1,385 in 72201 to $1,565 in 72211. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 72209 | 31,607 | 1,731 | 20.1 min | 10.7% | $1,545 | +1% |
| 72204 | 30,525 | 2,013 | 19.7 min | 12.5% | $1,555 | +2% |
| 72223 | 26,986 | 556 | 22.1 min | 3.4% | $1,485 | −3% |
| 72205 | 23,043 | 2,868 | 14.1 min | 6.9% | $1,510 | −1% |
| 72206 | 22,667 | 203 | 22.8 min | 9.9% | $1,420 | −7% |
| 72211 | 22,335 | 2,688 | 18.9 min | 7.2% | $1,565 | +3% |
| 72212 | 13,698 | 2,251 | 18.1 min | 3.2% | $1,540 | +1% |
| 72227 | 11,284 | 2,999 | 16.2 min | 7.8% | $1,540 | +1% |
| 72207 | 10,631 | 2,809 | 15.2 min | 3.7% | $1,525 | 0% |
| 72202 | 9,704 | 1,371 | 14.0 min | 13.1% | $1,455 | −5% |
| 72201 | 795 | 649 | 12.6 min | 3.9% | $1,385 | −9% |
Minimum car insurance in Little Rock
Little Rock drivers follow Arkansas's rules: at least 25/50/25 liability coverage. Arkansas is at-fault (tort). We estimate state-minimum coverage in Little Rock at $485 a year, and $700 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | 5,000 medical Policies must include personal injury protection (at least $5,000 medical plus wage-loss and death benefits) unless the named insured rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured motorist coverage is included in the policy unless the named insured signs a rejection. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage must be offered and may be rejected in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are addressed through the PIP benefits described above. | Medical bills for you and your passengers |
Risk factors that shape Little Rock premiums
Accidents
Arkansas recorded 603 traffic deaths, or 1.53 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Arkansas's vehicle theft rate is 141 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Pulaski County as relatively high for hail, relatively high for inland flooding and relatively high for strong wind, and relatively low for hurricanes.
Traffic & commuting
2.7% of Little Rock commuters spend an hour or more getting to work, and there are 1.63 vehicles per household. 12.4% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 95.9 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.2 | Comprehensive; dwelling | |
| Hurricane | 71.8 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 96.8 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 96.5 | Comprehensive; dwelling | |
| Winter weather | 98.1 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Little Rock by driver profile
A clean-record driver in their 50s pays the least in our Little Rock model (about $1,405 for full coverage); an 18-year-old on their own policy pays about $4,195, and a DUI pushes a 30-something to $2,820.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,330 | $1,925 | $4,195 | $350 |
| Young adult (22) | $775 | $1,120 | $2,440 | $203 |
| Adult in their 30s | $485 | $700 | $1,525 | $127 |
| Adult in their 50s | $445 | $645 | $1,405 | $117 |
| Senior (72) | $540 | $785 | $1,710 | $143 |
| 30s, one at-fault accident | $700 | $1,015 | $2,210 | $184 |
| 30s, DUI on record | $895 | $1,295 | $2,820 | $235 |
Minimum vs. standard vs. full coverage in Little Rock
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $485 | $40 | $395–$570 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $700 | $58 | $575–$825 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,525 | $127 | $1,250–$1,800 |
Estimate your premium in Little Rock
Runs in your browser — nothing you enter is stored or sent to insurers.
Cheap car insurance in Little Rock: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Little Rock's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $115 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $105 | You're among the 12.4% of Little Rock workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $455 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $825 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $335 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Little Rock
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 36 offices listed below.
- Check complaint records with the Arkansas Insurance Department (complaint information) before you buy.
- Mention your ZIP code accurately — within Little Rock, our estimates differ by up to $180 a year between neighborhoods.
Car insurance agents near Little Rock, AR
We found 36 insurance offices within about 8 miles of central Little Rock, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
-
State Farm
108 South Rodney Parham Road, Little Rock, AR 72205 -
Business Insurance Center
1700 Aldersgate Road, Little Rock, AR 72205 -
CK Agency
6213 Father Tribou St, Ste 1b, Little Rock, AR 72205 -
Nationwide
501 Brookside Drive, Little Rock, AR 72205 -
Andrew Levi Ingle - Farmers Insurance
9624 W Markham St, Little Rock, AR 72205 -
State Farm
AR -
Holly Ann Ramsey - Farmers Insurance
9101 N Rodney Parham Rd, Little Rock, AR 72205 -
State Farm
North Rodney Parham Road, , AR -
Patrick Lee Borecky - Farmers Insurance
10912 Colonel Glenn Rd, Little Rock, AR 72204 -
Frazier Insurance Agency
808 Reservoir Road, Little Rock, AR 72227 -
Whitney Crater Owens - State Farm
11701 West 36th Street, Little Rock, AR 72211 -
Donald Rhodes - Farmers Insurance
5800 Evergreen Dr, Little Rock, AR 72205 -
Don T Barrow - State Farm
301 N Shackleford Road, Suite A3, Little Rock, AR 72211 -
Justin Terry - State Farm
1101 S Bowman Rd, Ste A-3, Little Rock, AR 72211 -
Roger Franks - State Farm
7509 Cantrell Rd STE 101 Tanglewood Ctr & Mississippi St, Little Rock, AR 72207 -
Cody Wallace - Farmers Insurance
7509 Cantrell Rd, Little Rock, AR 72207 -
Pat Frizzell - State Farm
1723 N University Avenue, Little Rock, AR 72207 -
Marecus J Hill - Farmers Insurance
10020 N Rodney Parham Rd, Little Rock, AR 72227 -
Sharon Russell - State Farm
1415 Breckenridge Dr, Ste E, Little Rock, AR 72227 -
Ronald Davis - GEICO
12111 W Markham St, Suite 420, Little Rock, AR 72211 -
Michael Wayne Fason - Farmers Insurance
10700 N Rodney Parham Rd, Little Rock, AR 72212 -
Mike Hart - State Farm
2024 Arkansas Valley Drive, Suite 102, Little Rock, AR 72212 -
McGriff Insurance Services
1500 Riverfront Drive, Little Rock, AR 72202 -
Jimmy Dale Stewart - Farmers Insurance
11524 N Rodney Parham Rd, Little Rock, AR 72212 -
Shelter Insurance
8300 Stagecoach Road, Suite 600, Little Rock, AR 72210 -
Jennifer King - Allstate
909 North St, Little Rock, AR 72201 -
Sara Miller - Allstate
1 Stagecoach Village, Ste 2, Little Rock, AR 72210 -
Albert Christopher Jr - Farmers Insurance
201 W Broadway St, N Little Rock, AR 72114 -
Frank Anthony Tombrello - Farmers Insurance
13420 Otter Creek Pkwy, Little Rock, AR 72210 -
Brooke Brolo - Allstate
9307 Maumelle Blvd, North Little Rock, AR 72113 -
Farmers Insurance - The Baker Agency
9839 Maumelle Boulevard, North Little Rock, AR 72113 -
Farmers Insurance
AR -
Charley F Benson - State Farm
16000 Cantrell Road, Little Rock, AR 72223 -
William Michael Stewart - Farmers Insurance
5000 Jfk Blvd, North Little Rock, AR 72116 -
Anthony Smith - State Farm
5111 Kennedy, Suite 1, North Little Rock, AR 72116 -
Parker Clay - Allstate
5600 John F Kennedy Blvd, Ste 1, North Little Rock, AR 72116
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Little Rock
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,135 | −26% |
| Subaru Outback | Wagon | $1,140 | −25% |
| Tesla Model 3 | Midsize car | $1,615 | +6% |
| Subaru Forester | Small SUV | $1,120 | −27% |
| Honda Civic | Compact car | $1,720 | +13% |
| Toyota Corolla | Compact car | $1,600 | +5% |
| Jeep Wrangler | Midsize SUV | $1,210 | −21% |
| Mazda CX-5 | Small SUV | $1,275 | −16% |
| MINI Cooper | Subcompact car | $1,145 | −25% |
| Tesla Model Y | Midsize SUV | $1,450 | −5% |
Car insurance in nearby Arkansas cities
- North Little Rock $1,515/yr · 8 mi
- Conway $1,565/yr · 25 mi
- Jonesboro $1,465/yr · 121 mi
- Fort Smith $1,470/yr · 122 mi
- Fayetteville $1,525/yr · 138 mi
- Springdale $1,535/yr · 143 mi
- Rogers $1,525/yr · 149 mi
All Arkansas cities and state rules · Homeowners insurance in Little Rock
Frequently asked questions
How much is car insurance in Little Rock, AR?
We estimate full coverage in Little Rock at about $1,525 a year ($127 a month) for a driver in their 30s with a clean record, and about $485 for Arkansas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Little Rock more expensive than the Arkansas average?
Our Little Rock estimate is 8% higher than the statewide figure. The model reflects a population density of 1,689 people per square mile (the typical Arkansas resident lives at about 225) and an average commute of 18.5 minutes versus 22.5 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Little Rock?
Drivers in Little Rock follow Arkansas law: at least 25/50/25 liability coverage.
Which ZIP code in Little Rock has the cheapest car insurance?
Among Little Rock's 11 ZIP codes, 72201 has the lowest estimate (about $1,385 a year for full coverage) and 72211 the highest (about $1,565), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Little Rock?
An 18-year-old with their own full-coverage policy would pay around $4,195 a year in Little Rock by our estimate ($1,330 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Little Rock?
Yes. FEMA's National Risk Index rates Pulaski County for hail (relatively high), inland (river) flooding (relatively high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Little Rock?
We list 36 insurance offices in and around Little Rock, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Arkansas DFA Office of Driver Services: Safety Responsibility (25/50/25 proof)
- Arkansas Code 23-89-202 (required first-party PIP coverage)
- Arkansas Code 23-89-403 (uninsured motorist coverage)
- Arkansas Insurance Department: Automobile Insurance brochure
- Arkansas Insurance Department: File A Complaint
- Arkansas Code 23-89-209 (underinsured motorist coverage)
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Little Rock and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places