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Cheap Car Insurance in Little Rock, Arkansas

Find cheap car insurance in Little Rock, the capital of Arkansas and home to the Clinton Presidential Library. Built on the Arkansas River, Little Rock is the state’s largest city, with an estimated population of 198,541 in 2016. Just across the river is the separate city titled North Little Rock. In the heart of the city stands Central High School, where the Little Rock Nine attended classes with military escorts after the 1954 Brown vs. Board of Education ruling called for desegregation of public schools. The campus still holds classes and thus isn’t open to the public, but a visitors center is located nearby.

Driving Conditions in Little Rock

Little Rock is served by two interstates and several bypass routes designed to alleviate congestion throughout the city. Interstate 40 travels west to Memphis and northeast toward Conway from Little Rock. Interstate 30 stretches to the southwest toward Texas.

Compared to average U.S. Cities commute of 25.2 minutes, Little Rock has a shorter commute time at just over 18 minutes, according to Census Bureau data. Real-time traffic maps are available at

Unique Laws in Little Rock

Little Rock recently enacted strict barking dog ordinances, but has its share of less enforced and antiquated laws involving animals. One law decrees that residents may not walk one’s cow down Main Street after 1 p.m. on Sunday. It’s also illegal to sell packaged alcoholic beverages on Sunday in Arkansas, which is located in what is known locally as the Bible Belt. A few cities have passed ordinances to bypass this law; however, you won’t find anyone doing so on Christmas Day. State laws also state voters have only 5 minutes to mark ballots, though this one isn’t enforced.

Little Rock Crime Statistics

Little Rock tops Law Street’s most dangerous city under 200,000 residents, a list that ranks Rockford, Ill. at No. 2 and Springfield, MO at No. 3. The violent crime rate in Little Rock is 1,392 incidents per 100,000 people, according to FBI data.

The Little Rock-North Little Rock-Conway metro area was listed at No. 34 on the National Insurance Crime Bureau’s most recent ranking of cities with the highest vehicle theft rates, with a rate of 488 incidents per 100,000 people. This is more than twice the national average of 220 incidents per 100,000 people.

Little Rock Safety Requirements

Arkansas laws allow police stop drivers and front-seat passengers for seat belts if they are not buckled up. All children under 15 must wear seat belts and those under 6 must be in an approved safety seat or booster. Motorists can also be stopped and ticketed for texting while driving. All cellphone use is off limits for drivers under 18 and school bus drivers.

Little Rock Impaired Driving Laws

Arkansas drivers over 21 will receive a DUI charge if his or her blood alcohol level is higher than 0.08 percent. The BAC can be .02 for minors under 21. First offenders may get up to a year in jail and a $1,000 fine, or 30 days of community service. Fines and jail time increase with more convictions. Arkansas laws permit an automatic suspension of your driver’s license on a first offense, usually for six months. An alcohol education program may also be ordered. Cheap car insurance is certainly not out of the question in Little Rock; contact us for specifics.

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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