Little Rock Car Insurance

Your Complete Car Insurance Guide for Little Rock, AR

Find the right car insurance policy for you.

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 U.S.

There is a lot to do in and around Little Rock, from hiking, boating and outdoor recreation to cultural activities, such as museums, and to 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.

Trusted Choice® Independent Insurance Agents are available to help Little Rock residents tackle their unique risks. Our local agents will work hard to find you a policy that meets your needs while staying within your budget.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

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 others', it may 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 a Trusted Choice agent.

Here are a few ways that Little Rock car insurance protects what’s important to you.

  • Fix Your Car - We officially call this "Comprehensive & Collision Coverage." Nothing required.
  • Fix Someone Else's Car - We officially call this "Property Damage Liability." Required min. $25,000.
  • Pay Your Medical Bills - We officially call this "Personal Injury Protection" or "PIP." Required min $5,000.
  • Pay Someone Else's Medical Bills - We officially call this "Bodily Injury Liability." Required min. $25,000 per person, $50,000 per accident.

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.

16.6% of Arkansas drivers are uninsured.

That's 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 ninth highest percentage of uninsured drivers in the U.S., 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 the following:

  • 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, for example, 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, for example, 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 Trusted Choice 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:

Commute time: 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 U.S. 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): 2.94
  • 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 whole 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; for example,

  • 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 down to one insurance company, you can get quotes from multiple carriers and find the best policy for your needs and budget.

A local Trusted Choice independent agent is just a few clicks away. Start your search now for affordable Little Rock car insurance.

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