Little Rock is the capital of Arkansas and is the cultural, economic and transportation center of the state. Little Rock also plays an important role in the overall economy of the southern US. There is a lot to do in and around Little Rock, from hiking, boating and outdoor recreation to cultural activities, such as museums, and sporting events. With so much going on, roads can get congested and dangerous.
If you live in Little Rock, you need quality, affordable car insurance to protect you when you are out on the road. Independent insurance agents are available to help Little Rock residents tackle their unique risks. These local agents will work hard to find you a policy that meets your needs while staying within your budget. Try out our independent agent matching system o find the best insurance plan in your area. Provide a few details about what you’re looking for, and get recommendations for the best agents for you. Any information you provide will be sent only to the agents you pick.
How Much Does Little Rock Car Insurance Cost?
At around $245 per month, on average, Little Rock car insurance can be expensive for many drivers. Where you live plays a big role in what you pay for car insurance. Insurance rates also depend on the type of car you drive and the distance you drive to work or school every day. If your Little Rock car insurance rates seem higher than those for others, it may also be because you have a longer commute or drive a newer car.
But no matter where you live, you should make sure you are getting the best rate possible. If you work with an independent insurance agent, you’ll be able to review quotes from multiple insurance companies and choose the best coverage for your needs and budget.
What Does Little Rock Car Insurance Actually Do for Me?
Bills for vehicle damage and injuries can pile up after a car accident. Little Rock car insurance can help you pay for any medical bills or car repairs if you are at fault for a crash. And it can help you pay if your car is stolen or is damaged by weather, vandals or some other mishap. To be sure you’re covered, talk through your options with an independent agent.
Here are a few ways that Little Rock car insurance can protect what’s important to you.
- Fix your car: (Not required) This is called comprehensive & collision coverage.
- Fix someone else's car: (Required minimum $25,000) This is called property damage liability.
- Pay your medical bills: (Required minimum $5,000) This is called personal injury protection or PIP.
- Pay someone else's medical bills: (Required minimum $25,000 per person/$50,000 per accident) This is called bodily injury liability.
Who Pays If the Accident Wasn't My Fault?
The driver who caused the accident, of course. The problem is this: Some drivers don’t bother to buy insurance at all. They drive without the ability to pay if they cause an accident. 18.4% of Arkansas drivers are uninsured, higher than the national average 13%, which is why Little Rock drivers should have uninsured motorist coverage. It pays to fix your vehicle and handles your medical bills if you cannot collect from an uninsured at-fault driver.
Uninsured motorist coverage is required in some states. Despite having the 9th highest percentage of uninsured drivers in the US, Arkansas drivers are not required to have uninsured motorist coverage.
What Affects the Cost of Little Rock Auto Insurance?
Monthly auto insurance premiums vary significantly among Little Rock drivers. Insurance companies determine your rates by predicting how risky you are as a driver. They look at several of your personal risk factors, including:
- Your age and gender
- Your ZIP code
- Your history of accidents and filing insurance claims
- The year, make and model of your car
- The number of cars and drivers in your household
The type of car you drive plays a huge role in what you can expect to pay for a Little Rock car insurance policy. Cars with powerful engines (e.g., sports cars) or those that are expensive to repair or replace (e.g., hybrids or luxury cars) are considered to be riskier for insurance companies. Newer cars typically cost more to insure, too, as do certain models that are more frequently stolen.
If you drive one of these cars, there are still ways to save. Hybrid drivers often qualify for special green discounts offered by insurance companies. And drivers of new cars often qualify for a variety of safety and anti-theft discounts.
Your independent agent can help you determine all of the auto insurance discounts that you qualify for.
Here Are Some City Factors That Will Affect Your Rate
Simply put, the more time you spend on the road, the more likely it is that you'll be in an accident. Little Rock drivers spend less time on the road than most, which can help keep insurance rates relatively low.
- National average: 25.4 minutes
- Little Rock average: 18.2 minutes
Theft in Your City
Little Rock has a high auto theft rate compared to the US overall. This may cause car insurance rates for Little Rock drivers to be higher than for drivers in other cities.
- Auto theft rate in U.S. (per 1,000 vehicles): 2.28
- Auto theft rate in Arkansas (per 1,000 vehicles): 2.36
- Auto theft rate in Little Rock (per 1,000 vehicles): 4.65
Car insurance protects you from the financial consequences of vehicle theft. Even if a car thief is unsuccessful in stealing your car, a break-in can leave you with broken windows to fix and stolen personal property to replace. Without insurance, could you afford to replace your property or fix your car?
If you are a victim of auto theft, your Little Rock car insurance can reimburse you quickly and minimize your worry. And don’t forget to take precautions to protect your car from thieves.
- Park in safe, well-lit places.
- Don’t leave your keys in your car.
- Don’t leave valuables in your car.
- Always lock your car, even at home.
How to Find Affordable Auto Insurance in Little Rock
Because Trusted Choice independent insurance agents aren't tied to one insurance company, you can get quotes from multiple carriers and find the best policy for your needs and budget. A local independent agent is just a few clicks away. Start your search now for affordable Little Rock car insurance.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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