Knowing who has the lowest cost car insurance in Little Rock can help you save money. Average car insurance rates in Little Rock are $617 per year for minimum coverage, and $2,029 per annum for full coverage. You can sometimes beat this average if you choose the right insurance company. Arkansas’ average driver is uninsured at 17% Without auto insurance, driving can cause a variety of legal and financial problems. Arkansas isn’t one of the most dangerous states for car accidents. However, they had 472 fatalities in 2018.
The most well-known insurance companies in Little Rock were chosen and arranged according to average premium costs. This was done in order to determine the best car insurance in Little Rock. Then, J.D. ranked them. Power score. The final five were determined by combining scores from Better Business Bureau (BBB), discounts, and other factors.
The best car insurance companies of Little Rock
Their J.D. compared the cheapest Little Rock car insurance companies. Power scores and discounts available. Companies that maintained higher J.D. The top five companies made it to the top by maintaining high J.D. power scores and keeping their average premiums low. These are the top five companies that were selected.
| Insurance Company | J.D. J.D. | Average Annual Premium for Minimum Insurance | Average annual premium for full coverage |
|---|---|---|---|
| USAA | 905 / 100 | $361 | $1,196 |
| Geico | 855 / 100 | $492 | $2,219 |
| Progressive | 849 / 100 | $529 | $1,669 |
| State Farm | 849 / 100 | $528 | $1,473 |
| All over the country | 815 / 100 | $447 | $1,468 |
USAA
USAA has not been ranked by J.D. It is only available to military personnel, veterans, and their families, but it receives a very high J.D. score. Power auto insurance report. They also offer the cheapest car insurance in Little Rock. USAA received an A rating from the BBB. Only problem is that you must be eligible to apply.
Geico
Geico was a top-rated provider in the Little Rock region for 2020. Geico policies are at the lower end of our list. Nationwide and USAA have higher annual average coverage rates. Geico offers the most variety of auto insurance discounts, balancing their slightly higher rates. Geico received an A+ from the BBB.
Progressive
Progressive provides products and services in most parts of the United States. Although they have higher rates than some other companies on our list, they make up for it with exceptional J.D. Power score. Progressive was also awarded an A+ in the BBB. Progressive is Little Rock’s best-rated car insurance company because of its ability to lower rates and high ratings.
State Farm
State Farm is known for its flexibility and ability to customize policies. Progressive is in a close match when it comes to J.D. Annual rates and power scores for minimum coverage. State Farm still offers full coverage, but at a slightly lower rate. State Farm offers fewer discounts to offset the rates. State Farm has been awarded an A by the BBB. State Farm offers a wide range of auto insurance options in Little Rock, with strong ratings and decent discounts.
All over the country
Nationwide provides extensive coverage options and a variety of discounts. They scored lower in the J.D. They scored lower on the J.D. Power report than our four other companies, but were still at the top overall. Nationwide’s annual rates are lower than our top five. There are many discounts that can help reduce this. Nationwide has an A+ rating from the BBB. Nationwide offers a wide range of policies and discounts that can lower your rates. It also has good ratings.
Little Rock has the lowest car insurance
Arkansas‘s average annual auto insurance cost is $470 for minimum coverage, and $1914 for complete. Nationally, the average annual cost for auto insurance is $565 for minimum coverage and $1674 for full. Little Rock’s average annual minimum coverage is $617 and full coverage is $2,029 each – both higher than the Arkansas and national averages. There are however local options that are cheaper than these averages.
The best car insurance provider in Little Rock is the one that strikes the perfect balance. Geico offers discounts but has higher average premiums. USAA offers the lowest premiums, but it is only available to a small number of people. These five are good choices for cheap Little Rock car insurance. The best car insurance in Little Rock will provide the coverage you require at a reasonable cost.
| Insurance Company | Average Annual Premium for Minimum Insurance | Average annual premium for full coverage |
|---|---|---|
| USAA | $361 | $1,196 |
| Farmers | $431 | $1,189 |
| All over the country | $447 | $1,468 |
| Geico | $492 | $2,219 |
| State Farm | $528 | $1,473 |
Little Rock Insurance requirements
Arkansas has mandatory minimal insurance laws, as do most other states. This minimum amount of coverage is required by the state for all drivers:
- Bodily Injury Liability Insurance: $25,000 per person, $50,000 per accident
- Property Damage Liability Insurance: $25,000 per Person
These laws may not require enough insurance. Car accidents can be costly and the driver who is found to be responsible for the accident will almost always be liable for its financial consequences.
Because of the high cost of modern cars and the associated medical bills, some people opt to buy more coverage than is necessary. You should also understand that minimum liability insurance does not cover property damage or medical expenses. This is why full coverage policies are so popular.
Little Rock offers car insurance discounts
- Good student
- Safe driver
- Multiple policies
- Multiple vehicles
- Paperless billing
Many insurance companies offer discounts in the region. There are some types that are more popular than others. These are the discounts most commonly offered in Little Rock.
While safe driver discounts can provide significant savings, they are not always easy to implement. While they can have many potential effects on your rates, paperless billing discounts are the easiest, fastest, and most accessible way to save money on auto insurance.
You will usually get a discount if you have multiple vehicles that require insurance, or need policies for more than one vehicle. To get the best savings, it is a good idea to take advantage of as many discounts possible.
Questions frequently asked
Which is the best auto insurance company?
You will find the best auto insurance company for you and your budget. The exact answer will depend on your driving record, vehicle and age. Consider the Bankrate guide to the Best Car Insurance Companies in 2021.
What amount of car insurance do you need in Little Rock
The minimum state requirement is the minimum. This is $25,000 per person in Little Rock and $50,000 per accident for bodily injuries. Additional $25,000 per accident for damage to property. There are many variables involved in determining the amount of auto insurance you need. Use the Bankrate guide to help you determine the right amount of insurance for you.
