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Car Insurance Quotes in North Little Rock, AR

Full coverage / year
$2,086
State minimum / year
$601
Typical quote range
$1,481 – $2,878

Drivers in North Little Rock pay an estimated $2,086 a year for full coverage car insurance, or about $174 a month. That tracks the Arkansas average closely, reflecting typical suburban driving patterns. Two drivers on the same street routinely pay double the difference, so treat the average as a starting point and quote your own profile.

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Car insurance calculator — North Little Rock, AR

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$174/ month
$2,086 per year · carriers in North Little Rock, AR typically quote $1,481 – $2,878
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We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in North Little Rock, AR

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,585$132-24%Military members and families only
Geico$1,711$143-18%Usually cheapest for clean records
State Farm$1,836$153-12%Strong for young and student drivers
Progressive$1,982$165-5%Competitive after a ticket or accident
Travelers$2,023$169-3%Good multi-policy discounts
Nationwide$2,086$1740%Mid-market, wide availability
Allstate$2,378$198+14%Higher base rate, heavy discount stacking
Farmers$2,524$210+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in North Little Rock, AR. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in North Little Rock

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$5,633$1,624$469
18 years old$4,752$1,370$396
20 years old$3,935$1,135$328
22 years old$3,268$942$272
25 years old$2,494$719$208
30 years old$2,150$620$179
40 years old$2,021$583$168
50 years old$1,935$558$161
60 years old$1,914$552$159
65 years old$2,000$577$167
70 years old$2,193$632$183
75 years old$2,559$738$213

Estimated premiums by age in North Little Rock, AR, clean record, sedan.

What a ticket, accident or DUI costs in North Little Rock

Driving recordEst. annualIncrease
Clean record$2,086—
1 speeding ticket$2,565+23%
1 at-fault accident$3,066+47%
DUI / DWI$3,942+89%

What a violation costs a 35-year-old in North Little Rock, AR. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Arkansas

Every driver registering a vehicle in Arkansas must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Arkansas Department of Insurance.

Required coverage in ArkansasMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$25,000
PIP or written rejectionRequired
Insurance systemAt-fault (tort)

Coverage levels compared in North Little Rock

Coverage levelEst. annualEst. monthly
State minimum liability$601$50
Full coverage (100/300/100 + comp & collision)$2,086$174
Full coverage, high limits + low deductible$2,482$207

Coverage level comparison for North Little Rock, AR.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in North Little Rock

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. North Little Rock covers 72114, 72115, 72116, 72117, 72118, 72119 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in North Little Rock, AR?
Full coverage in North Little Rock is estimated at $2,086 a year ($174 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $601 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Arkansas?
Arkansas requires at least $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage, plus pip or written rejection. Arkansas is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in North Little Rock?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in North Little Rock for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in North Little Rock?
An 18-year-old in North Little Rock is estimated at $4,752 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in North Little Rock?
A DUI takes the estimate from $2,086 to about $3,942 a year in North Little Rock, an increase of roughly 89%. Arkansas drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in North Little Rock?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

Little RockSherwoodMaumelleJacksonvilleBryantCabotBentonConway

Comparing more of Arkansas? See every Arkansas city we price or read the cheap car insurance guide for North Little Rock.