Little Rock, AR
Auto and home insurance in Little Rock, Arkansas
How Little Rock households can compare car and home coverage, with local Census data. A quote is not a binder.
Little Rock has about 203,000 residents in Pulaski County. 76% of its workers drive to work alone and 54% of households own their home, so most families here need both a car policy and a homeowners policy.
Little Rock commuting and vehicle data
| Measure | Little Rock | Arkansas |
|---|---|---|
| Drive alone to work | 76% | 79% |
| Carpool | 9% | 9% |
| Work from home | 12% | 9% |
| Commute of 45 minutes or more | 5% | 11% |
| Commute under 15 minutes | 35% | 34% |
| Households with no vehicle | 8% | 6% |
| Households with 3 or more vehicles | 14% | 23% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Long commutes are shorter in Little Rock than statewide: 5% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
With 12% of Little Rock workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
Vehicle counts vary: 14% of households in Little Rock have at least three vehicles (Arkansas: 23%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Owning a home in Little Rock
Homes in Little Rock carry a median value of $236,400 and a median construction year of 1978. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
For context, the NAIC's 2023 average HO-3 premium in Arkansas was $1,644 for homes insured in the $225,000–$249,999 range, and $1,870 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Arkansas auto minimums that apply in Little Rock
Arkansas requires liability limits of at least 25/50/25. Other required coverage: none beyond liability. Those are floors; with Little Rock's median home value at $236,400, most homeowners choose much higher liability limits to protect their equity.
Should Little Rock homeowners bundle?
Most Little Rock homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
Local risks for Little Rock cars and homes
Plan for tornadoes and straight-line winds, along with spring hail. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
See FEMA's National Risk Index for local hazard scores.
Neighboring cities and Little Rock
North Little Rock shows 11% working from home and a median home value of $178,900. In Sherwood, 71% own their home and 21% of households have three or more vehicles. Jacksonville shows 8% working from home and a median home value of $163,400. For share of 45-minute-plus commutes, Little Rock is 13th of 20 Arkansas cities on this site.
What to have ready for a Little Rock quote
- Accidents, tickets, and claims from the last five years
- Current declarations pages for auto and home
- Home details: size, age, construction
- Annual mileage for each car
- Vehicle year, make, model, and VIN
- Liability limits you want
Little Rock auto and home insurance FAQ
What auto insurance is required in Little Rock?
Arkansas requires liability of 25/50/25; none beyond liability.
How long are commutes in Little Rock?
About 5% of Little Rock workers commute 45 minutes or more and 35% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Little Rock?
There is no single price. As context, Arkansas HO-3 policies averaged $1,870 in 2023 (NAIC), and averages rise with dwelling coverage.
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Last updated October 15, 2026 · How we research