best car indemnity Little Rock
2022
The Cheapest and Best Car Insurance in Little Rock
The Cheapest Car Insurance Companies in Little Rock
The be indemnity companies offer the most low-cost full coverage indemnity in Little Rock :
- Southern Farm Bureau: $843 per year
- GEICO: $866 per year
Veterans and stream members of the military in Little Rock will find that USAA has the cheapest wax coverage cable car at an median annual agio of $ 663. southern Farm Bureau ’ s premium of $ 843 is the cheapest car policy in Little Rock for most drivers. In fact, their average premium is 127 % — about $ 1,075 — lower than MetLife, the most expensive in the city at $ 1,918 a year. A wax coverage car policy policy includes comprehensive examination and collision coverage. While it ’ second always more expensive than liability-only insurance, the actual monetary value varies based on the floor of liability you choose .
Cheapest Car Insurance in Little Rock
Full Coverage 100/300/100
- company 100/300/100
per year
- 1 .USAA
$663
- 2. southern Farm Bureau
$843
- 3 .GEICO
$866
- 4 .Farmers
$924
- 5 .State Farm
$1,012
- 6 .Nationwide
$1,018
- 7 .Allstate
$1,110
- 8 .Shelter
$1,281
- 9 .Travelers
$1,288
- 10 .Progressive
$1,363
- 11 .AAA
$1,456
- 12 .MetLife
$1,918
MoneyGeek ’ second analysis used rates for a 40-year-old male driver with broad coverage as set out in our methodology. While it costs more liability-only, full coverage car indemnity provides extra security in the event of an accident by helping to cover the costs of car damage. This is authoritative since it guards you against possibly major, unexpected cash outlays .
- Collision Insurance: This pays to repair your car if you hit another vehicle or a stationary object.
- Comprehensive Insurance: This pays for non-collision damage and loss, such as damage from weather events or loss due to theft.
If your car is several years old, you may wish to consider state minimum or liability-only indemnity. That ’ s because the premiums for full coverage may add up to more than the replacement value of your car .
Compare Car Insurance Rates in Little Rock
see you ‘re getting the best rate for your car policy. Compare quotes from the top policy companies. widget-location-pin
Cheapest Car Insurance in Little Rock for Minimum Coverage
The cost of car insurance in Little Rock and elsewhere is based on different factors, such as how much coverage you choose. On average, a basic policy lone meeting the submit minimum costs $ 622 in Little Rock. On the early hand, a entire coverage policy typically costs $ 1,189. That is $ 567 more expensive .
Cheapest Minimum Liability Car Insurance in Little Rock
state Minimum
- company State Minimum
per year
- 1 .USAA
$304
- 2 .GEICO
$373
- 3. southern Farm Bureau
$394
- 4 .Nationwide
$483
- 5 .Farmers
$502
- 6 .State Farm
$506
- 7 .Progressive
$565
- 8 .Allstate
$617
- 9 .AAA
$700
- 10 .Shelter
$778
- 11 .Travelers
$889
- 12 .MetLife
$1,039
In Arkansas, drivers must by law have 25/50/25 minimum liability indemnity. While this is the cheapest policy option, it provides the least protection. You may have to make a large payment out of pocket after an accident to cover the balance outstanding. For exemplar, if the other driver in an accident you ’ re found at blame for incur medical bills of $ 50,000, minimum coverage policy only pays up to $ 25,000. You will be responsible for the remaining $ 25,000 .
Arkansas Minimum Liability Requirements
- token description
- Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 25,000 for property damage. A more protective flush is 100/300/100 .
Cheapest Car Insurance in Little Rock if You Have Driving Violations
Your car indemnity premium is affected by your drive record. Having violations such as speeding tickets, at-fault accidents and DUIs normally results in higher premiums. The insurers that provide the best value for your specific rape are as follows :
- Cheapest after a ticket: GEICO, $866 per year
- Cheapest after an at-fault accident: Southern Farm Bureau, $1,075 per year
- Cheapest after a DUI: Southern Farm Bureau, $1,010 per year
If you ’ re able to improve your driving history after a slate or a car accident, you may be able to reduce your premium. In the meanwhile, it doesn ’ t hurt to shop around for quotes to see which company offers the best bum cable car indemnity for drivers with badly records .
Cheapest Car Insurance in Little Rock With a Violation
Speeding slate
- company Speeding Ticket
per year
- 1 .USAA
$780
- 2 .GEICO
$866
- 3. southerly Farm Bureau
$914
- 4 .State Farm
$1,104
- 5 .Farmers
$1,170
- 6 .Nationwide
$1,216
- 7 .Allstate
$1,281
- 8 .Travelers
$1,644
- 9 .Progressive
$1,871
- 10 .AAA
$2,016
- 11 .Shelter
$2,267
- 12 .MetLife
$3,227
Average Cost of Car Insurance in Little Rock
Little Rock
$1,189
Arkansas
$1,189
U.S.
$1,424
annual premiums for car insurance can differ by hundreds or thousands of dollars. Knowing the average car insurance rate in Little Rock can help you weigh your options well and find the right carrier for your budget. The average cost of an car indemnity policy in the city is $ 1,189, similar to the state average annual premium. In comparison, Little Rock ’ second rates are lower than the national average. little Rock drivers pay about 16.5 % less than the $ 1,424 average rate in the area.
Personalized Quotes to Get You the Cheapest Car Insurance in Little Rock
car indemnity quotes in Little Rock besides vary depending on personalize factors. insurance providers evaluate the risks associated with a specific driver. These can be determined by your age, gender, driving history and know, ZIP code, accredit history and vehicle. For example, in Little Rock, adolescent drivers tend to get higher premiums compared to middle-aged drivers. A southern Farm Bureau policy for a 40-year-old male averages around $ 843. An 18-year-old male could pay more than twice that measure — on median, $ 1,775 per year. Your circumstances may change as clock time goes by. regularly getting personalized quotes can help you find the right provider with the best rate. Doing so can besides help you see if you qualify for certain discounts, rebates or savings .
Compare Car Insurance Rates in Little Rock
guarantee you ‘re getting the best pace for your car insurance. Compare quotes from the top policy companies. widget-location-pin
The Best Car Insurance Companies in Little Rock
Everyone values affordability and quality avail, so MoneyGeek ranked the best car indemnity carriers in Little Rock based on those criteria. We found that the best options in the city for most drivers are :
- Auto-Owners Insurance Co: MoneyGeek score of 98 out of 100
- GEICO: MoneyGeek score of 93 out of 100
USAA received the highest score in Little Rock by MoneyGeek ‘s fink system. however, because it is available entirely to military members and their families, we did not list USAA as best overall. MoneyGeek ’ s scoring arrangement takes customer atonement, affordability and insurance company fiscal stability ratings into retainer. We considered multiple resources to perform this study, including findings by data analytics and consumer intelligence company J. D. Power .
1
USAA
score :
100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal constancy 2
Auto-Owners Insurance Co
grade :
97.5
5/5 Affordability 4/5 Claims Ratings 5/5 User Satisfaction A++ fiscal Stability
3
GEICO
score :
92.5
5/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 4
Allstate
score :
85
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A+ fiscal stability 5
Travelers
score :
85
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 6
State Farm
score :
85
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 7
Progressive
score :
85
4/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 8
Auto Club of Southern California Insurance Group
grudge :
82.5
4/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 9
Safeco
score :
77.5
2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 10
Liberty Mutual
score :
77.5
2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 11
American Family
score :
75
2/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 12
Farmers
grudge :
75
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 13
Nationwide
grade :
75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 14
Farm Bureau Ins of MI
score :
72.5
2/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A- fiscal stability
Average Cost of Car Insurance by Postal Code
Your station of residency in besides has an impact on your car indemnity agio. Each ZIP code has a different average car indemnity rate in Little Rock. Drivers with ZIP code 72206 give an average annual premium of $ 1,182. meanwhile, neighborhoods in the ZIP code 72204 have higher average premiums per class for car insurance. Drivers in this area may pay $ 17 more on average a year on car policy than those living in the 72206 ZIP code. Although car indemnity rates may differ among ZIP codes, these rates in Little Rock are minimal — ranging from $ 4 to $ 17 on average per year .
- Zip Code State Minimum
per year
- 72206
$1,182
- 72209
$1,186
- 72204
$1,199
Factors That Impact Insurance Costs in Little Rock
In addition to individual driver needs and history, location-specific factors like the rate of black accidents and the share of uninsured motorists besides contribute to car indemnity rates in Little Rock. How little Rock ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs .
Most Accidents With Fatalities
8th
/ 300
Most car Thefts
204th
/ 300
Most uninsured Motorists by State
9th
/ 50
personal Injury Protection Required No
Most annual rain
42nd
/ 300
Most showery Days
144th
/ 300
Methodology and Assumptions
MoneyGeek ’ south average premium rates for Little Rock are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The median driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and drive record. Learn more about MoneyGeek ’ mho data and methodology here. About the writer
Read more: Low Cost Auto Insurance – Atlanta, Georgia
Mark Fitzpatrick is a senior content director with MoneyGeek specializing in insurance. Mark has years of feel analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a headmaster of Arts .