Cheap Car Insurance In Little Rock

Little Rock, the capital of Arkansas, thrives as a bustling metropolis boasting a plethora of historical and cultural delights.

At its core lies downtown Little Rock and the vibrant River Market District, an epitome of diverse experiences with its array of unique shops, art galleries, and live music venues.

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Moreover, don’t miss the chance to visit the MacArthur Museum of Arkansas Military History and the splendid Bernice Gardens.

Noteworthy attractions in Little Rock and Conway, AR, encompass the Rock Town Distillery, Old Mill, Little Rock Zoo, and the renowned Big Dam Bridge, holding the title of the longest pedestrian and cyclist bridge in the United States.

For legal driving in the Little Rock-North Little Rock-Conway area, possessing auto insurance is imperative.

Let’s delve into the realm of car insurance in Arkansas, examining average rates across different zip codes, opportunities for discounts, and the state’s minimum liability requirements.

Key Points:

  • Little Rock serves as Arkansas’ primary governmental and transportation hub.
  • Despite being born in the town of Hope, former President Bill Clinton’s legacy resonates strongly in Little Rock, evident through landmarks such as the Bill and Hillary Clinton National Airport and Clinton Presidential Centre and Park.
  • Notably, the Esse Purse Museum stands as the sole brick-and-mortar purse museum in the United States.
  • Little Rock boasts the invention of the “cheese dog” (a frankfurter with cheese) by the Finkbeiner Meat Packing Company.

Car Insurance Costs in Little Rock, AR:

  • On average, drivers in Little Rock or Conway pay around $166 monthly for full coverage car insurance, slightly surpassing the national average of $140 per month and closely aligning with Arkansas’ average of $160 monthly.
  • The cheapest car insurance option in Little Rock is the state-required minimum insurance, averaging around $50 per month.
  • Full coverage insurance includes collision and comprehensive coverage in addition to liability, providing broader protection.

Average Monthly Car Insurance Prices in Cities Near Conway, AR:

City Full Coverage Insurance Liability Insurance Coverage
Little Rock $166 $50
North Little Rock $160 $50
Conway $138 $42
Fayetteville $134 $38
Hot Springs $151 $41
Mena $144 $33
Pine Bluff $158 $45


Affordable Car Insurance Rates by Zip Code in Little Rock, AR:

  • Car insurance premiums vary by zip code, influenced by accident and claim rates in the area.

Average Monthly Car Insurance Prices by Zip Code:

Zip Code Full Coverage Insurance Liability Insurance Coverage
72076 $143 $43
72103 $155 $47
72116 $146 $45
72117 $148 $44
72118 $148 $45
72120 $145 $44
72201 $166 $50


Low-Cost Car Insurance Rates by Age in Little Rock, AR:

  • Young drivers generally face higher insurance rates due to their increased risk profile, which gradually decreases with age.

Average Monthly Car Insurance Prices by Age:

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $712 $247
20s $184 $58
30s $166 $53
40s $152 $49
50s $150 $50
60s $164 $57
70s $174 $61


Note: Rates may vary based on factors such as

  • age.
  • gender.
  •  desired coverage.

It’s crucial to obtain adequate coverage beyond the state’s minimum requirements to safeguard against unforeseen incidents.

Ensure compliance with Arkansas’ mandatory insurance regulations to avoid penalties such as license suspension and fines.

Driving Conditions and Road Infrastructure in Little Rock, AR:

Fatal Accidents:

In 2020, Little Rock recorded 40 fatal wrecks, while North Little Rock saw 7 and Conway experienced 3.

In 2019, Little Rock reported 32 fatal car crashes, resulting in 33 fatalities. These incidents involved a total of 45 vehicles, 65 individuals, and 12 pedestrians.

Road Infrastructure:

Little Rock benefits from a robust Public Works department responsible for various tasks ranging from upgrading drainage systems to maintaining traffic systems.

This department oversees divisions such as parking enforcement, operations, solid waste services, building services, and traffic engineering.

The traffic engineering division specifically focuses on installing, operating, and maintaining all traffic systems within the city.

This includes the upkeep of 300 traffic signals, road signs, pavement markings, and the review of traffic impact studies.

For additional details on the Traffic Operations Division, visit the City of Little Rock Arkansas – Traffic Engineering Division website.

Minimum Car Insurance Requirements:

Arkansas mandates the most basic liability car insurance, covering bodily injury/death liability and property damage liability. The state’s minimum requirements are:

  • Bodily injury liability coverage: $25,000 per person
  • Bodily injury liability coverage: $50,000 per accident
  • Property damage liability coverage: $25,000 per person

While meeting these minimum requirements is essential, it’s advisable to consider increasing coverage amounts and opting for a full policy including comprehensive and collision insurance.

This broader coverage protects against various scenarios such as vehicle-to-vehicle collisions, vehicle-to-object collisions, rollovers, theft, and weather-related damages.

Penalties for Driving Without Insurance:

Under Arkansas Code § 27-19-713 of the Motor Vehicle Safety Responsibility Act, all drivers must carry auto insurance.

Failure to have an active policy during a traffic stop can lead to registration and driver’s license suspension, along with fines ranging from $50 to $1,000, depending on prior offenses.

Third and subsequent offenses may result in a one-year jail term.

The Arkansas Office of Motor Vehicle (OMV) can easily verify insurance coverage, as all lapsed policies are reported by insurers to the state.

It’s crucial for Arkansas drivers to maintain insurance coverage meeting the minimum limits of 25/50/25.

Factors Considered in Little Rock, AR Car Insurance Rates:

Each state dictates the factors that insurance companies can utilize to determine your auto insurance premiums.

In Little Rock or Conway, car insurance rates are influenced by the following factors:

  • Driving record
  • Age
  • Gender
  • Zip code
  • Marital status
  • Type of vehicle
  • Credit rating

Additionally, your chosen coverage limits and deductible amount play a role in determining your car insurance rate.

Opting for higher liability limits and a lower deductible will likely increase your premiums.

It’s essential to discuss your policy options with your insurance agent to find the coverage that best suits your needs.

Also read: Cheap Homeowners Insurance In KY

Discount Opportunities for Car Insurance in Little Rock, Arkansas:

Little Rock drivers can access various car insurance discounts, some of which depend on their driving records, with safe drivers often qualifying for discounts.

Other available discounts include, but are not limited to:

  • Military Service Discount
  • Anti-theft Safety Discount
  • Good Student Discount
  • Defensive Driver Discount
  • Customer Loyalty Discount
  • Paperless Billing Discount

One effective strategy for saving on car insurance is to leverage low mileage discounts.

If you drive fewer miles than the average annually, you can anticipate savings.

Additionally, bundling two or more types of insurance from the same insurer, such as auto and home insurance, can lead to cost savings.

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