North Little Rock, AR
Auto and home insurance in North Little Rock, Arkansas
How North Little Rock households can compare car and home coverage, with local Census data. A quote is not a binder.
North Little Rock has about 64,498 residents in Pulaski County. 76% of its workers drive to work alone and 45% of households own their home, so most families here need both a car policy and a homeowners policy.
How North Little Rock gets around
| Measure | North Little Rock | Arkansas |
|---|---|---|
| Drive alone to work | 76% | 79% |
| Carpool | 8% | 9% |
| Work from home | 11% | 9% |
| Commute of 45 minutes or more | 5% | 11% |
| Commute under 15 minutes | 31% | 34% |
| Households with no vehicle | 8% | 6% |
| Households with 3 or more vehicles | 14% | 23% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
North Little Rock commutes are shorter than the Arkansas norm, with 5% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
With 11% of North 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 North Little Rock have at least three vehicles (Arkansas: 23%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
The North Little Rock homeowners picture
Census figures put North Little Rock's median home value at $178,900 (Arkansas: $188,000) and its median year built at 1975. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
NAIC data for 2023 show Arkansas HO-3 policyholders with $150,000–$199,999 of dwelling coverage paying an average of $1,437; the all-amounts state average was $1,870.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for North Little Rock drivers
The state minimum is 25/50/25. Additional requirement: none beyond liability. See our state minimums guide for how these compare across our ten states.
One insurer or two for a North Little Rock household
With 45% of households owning their home, bundling is an option for most North Little Rock families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Local risks for North Little Rock cars and homes
Insurers in Arkansas price for spring hail and flooding on rural roads. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
County hazard detail: FEMA National Risk Index.
How North Little Rock compares in Arkansas
Little Rock: 76% drive alone, 5% commute 45+ minutes, median home $236,400. In Sherwood, 71% own their home and 21% of households have three or more vehicles. In Jacksonville, 50% own their home and 17% of households have three or more vehicles. North Little Rock ranks 14th for long commutes among the 20 Arkansas cities we profile.
Gathering details for a North Little Rock auto and home quote
- Commute distance and typical yearly miles
- Target limits and deductibles
- Mortgage company for the home
- VINs from registrations or the dashboard
- Drivers' names and dates of birth
- Your North Little Rock address, square footage, and year built
Start a North Little Rock quote
Questions from North Little Rock drivers and homeowners
What auto insurance is required in North Little Rock?
Arkansas requires liability of 25/50/25; none beyond liability.
How long are commutes in North Little Rock?
About 5% of North Little Rock workers commute 45 minutes or more and 31% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in North Little Rock?
Prices depend on the home and coverage. The NAIC's 2023 Arkansas HO-3 average was $1,870; see the Arkansas page.
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Last updated October 15, 2026 · How we research