Cheapest Auto Insurance in North Little Rock, Arkansas (2025)

The average cost of car insurance in North Little Rock is $119 per month for liability insurance and $205 for full-coverage insurance.

Drivers in North Little Rock pay more per month than the national average of $104 for liability-only coverage and $184 for full coverage. The higher rates likely stem from the state’s higher-than-average car-related fatalities. Arkansas has 22.9 deaths per 100,000 people, which is much higher than the national average of 12.9 deaths.1

Here’s how to compare quotes and find the cheapest car insurance in North Little Rock.

3 of the cheapest car insurance companies in North Little Rock 

North Little Rock drivers can find some of the cheapest car insurance rates from State Farm, USAA, and GEICO. The best insurance company for you will ultimately depend on your budget, coverage amount, and vehicle. Consider your options and compare quotes from multiple insurance companies before selecting a policy.

Learn more about three of the best cheap insurers in North Little Rock below. The average rates reflect statewide insurance costs in Arkansas.

Best insurer for cheap rates: State Farm

Best insurer for military members and veterans: USAA

Best insurer for mobile app access: GEICO

How to get the cheapest car insurance in North Little Rock

Your age, ZIP code, vehicle, driving record, insurance company, credit history, and more affect how much you pay for your auto policy. Even though you can’t control some of these factors, you can take steps to save money on coverage:5

• Bundle policies. Most car insurance companies offer discounts if you have multiple insurance products with the same company. For example, you can bundle auto insurance, homeowners insurance, life insurance, boat insurance, renters insurance, or business insurance. Companies want to encourage loyalty, and discounts are a way to thank clients for additional business.

• Compare quotes. Comparing car insurance quotes from multiple companies is one of the quickest ways to lower car insurance costs. Insurance companies have different underwriting requirements, discounts, and policy options, which can affect the cost of coverage. Call or visit the company’s website to get quotes from at least three insurers and ask questions before making a decision or payment.

• Raise your deductible. Your deductible is the amount you need to pay when you file a claim. Your monthly premium decreases when you set a higher deductible. If you can afford the deductible, lowering it can effectively decrease coverage costs.

Cheapest liability-only car insurance in North Little Rock: State Farm

Liability-only car insurance covers the cost of the other driver’s car repairs and medical treatment if you cause an accident. Liability-only insurance meets the minimum requirements for coverage in Arkansas. Liability insurance doesn’t cover the cost of your vehicle repairs.6 Because of that, general liability coverage typically works best for drivers with old cars that aren’t worth much.

Liability-only coverage in North Little Rock costs an average of $119 per month. Here are average rates from insurance companies with the cheapest rates.

Cheapest full-coverage car insurance in North Little Rock: State Farm

Full-coverage car insurance provides liability protection that meets the state-minimum requirements for coverage. It also includes comprehensive coverage and collision coverage. A full-coverage insurance policy covers your repairs if you cause an accident, hit an object, or have damage due to severe weather or theft.

The policy also covers the cost of medical treatment and vehicle repairs for the other driver when you cause an accident. Insurance experts typically recommend that drivers have a full-coverage policy.

Drivers in North Little Rock pay an average of $205 per month for full-coverage car insurance. Here are the cheapest full-coverage car insurance options in North Little Rock.

Car insurance requirements in Arkansas

Arkansas is an at-fault state, which means the driver who caused the accident must cover the other party’s resulting vehicle damage and medical costs. Like most states, Arkansas requires drivers to purchase a minimum amount of auto coverage.

The state of Arkansas requires drivers to have liability car insurance coverage in the following minimum amounts. Insurers must also offer you the opportunity to purchase uninsured/underinsured motorist and personal injury protection (PIP), but you don’t have to purchase it.7

Consider the following options if you want more coverage to protect your vehicle than the general liability policy Arkansas requires:

Cheapest car insurance for drivers with an incident

Your driving record is a factor that affects your car insurance rates significantly. Insurers will review your record to determine risk when deciding on premiums. You can expect to pay more for coverage if you have an incident on your record — including at-fault accidents, speeding tickets, and driving under the influence (DUI) charges — because you pose a greater risk for insurers.

Arkansas drivers can also expect to face fees, license suspension, and other consequences depending on the type of violation. The average cost of liability car insurance for North Little Rock drivers with a past incident is $140 per month.

As you shop for car insurance, consider how your driving record affects your rates. Here are the average liability insurance costs for North Little Rock drivers by driving record.

Average cost of car insurance by age

Your car insurance rates will fluctuate throughout your life based on age. Families with young drivers, especially teen drivers, pay the highest rates due to less experience. But around age 35, rates begin to decrease steadily.

Drivers near retirement age pay the lowest average rates due to having more driving experience and using cautious behavior on the road. Rates start to increase again for senior drivers 70 and older due to aging-related risk factors.

Here are the average rates for car insurance in North Little Rock for different age groups.

North Little Rock car insurance quotes by credit tier

Insurers in Arkansas consider different factors when determining rates, including your credit-based insurance scores. Drivers with good credit have lower car insurance bills because insurers view them as less risky to insure.

The opposite is true for drivers with poor credit scores. Insurers consider drivers with poor credit more likely to file claims, which costs the insurer money. Because of that, drivers with poor credit face higher insurance premiums.

Here’s how much you can expect for full-coverage car insurance as a North Little Rock resident based on your credit tier.