Cheap Quotes for El Dorado, AR Car Insurance (2021)

El Dorado, Arkansas car insurance rates average $348 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple El Dorado, AR companies, you can find cheap El Dorado car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in El Dorado, AR are $348/month
  • El Dorado has an average commute time of 16.1 minutes
  • The cheapest car insurance company in El Dorado is USAA

How do the El Dorado, Arkansas monthly average car insurance rates of $348/month compare to nearby cities like Conway car insurance rates, Rogers car insurance rates, and Fort Smith car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in El Dorado, AR.

We’ll cover the Arkansas minimum coverage requirements, Arkansas car insurance laws, and El Dorado, AR statistics that affect your monthly rate. You can even compare car insurance quotes from multiple El Dorado, Arkansas companies to find the most affordable El Dorado car insurance rates.

Enter your ZIP code above to find cheap El Dorado, AR car insurance quotes today.

What are the minimum El Dorado, AR car insurance requirements?

To meet Arkansas minimum car insurance coverage requirements, El Dorado, AR drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in El Dorado, Arkansas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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How do age, gender, and marital status affect El Dorado, AR car insurance rates?

Three of the criteria that most affect car insurance rates in El Dorado, Arkansas are age, gender, and marital status. Let’s take a look at how each of these stack up with top El Dorado car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in El Dorado, Arkansas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,085 $3,131 $2,728 $2,925 $10,757 $12,812 $3,447 $3,760
Farmers $2,237 $2,229 $2,003 $2,102 $9,130 $9,460 $2,556 $2,696
GEICO $2,713 $2,693 $2,511 $2,441 $6,706 $6,759 $2,645 $2,681
Liberty Mutual $2,453 $2,631 $2,316 $2,583 $8,242 $9,071 $2,645 $2,778
Nationwide $2,706 $2,773 $2,421 $2,574 $6,408 $8,225 $3,077 $3,332
Progressive $2,686 $2,556 $2,206 $2,301 $11,141 $12,560 $3,218 $3,481
State Farm $1,918 $1,918 $1,706 $1,706 $5,379 $6,789 $2,158 $2,462
Travelers $2,267 $2,313 $2,206 $2,218 $13,317 $21,446 $2,408 $2,800
USAA $1,477 $1,495 $1,366 $1,380 $4,662 $4,887 $1,914 $2,068

How much do teen drivers pay for car insurance in El Dorado, AR?

El Dorado, Arkansas car insurance rates for teens are often higher than rates for other drivers. Compare El Dorado car insurance rates from multiple El Dorado, Arkansas car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in El Dorado, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,757 $12,812
Farmers $9,130 $9,460
GEICO $6,706 $6,759
Liberty Mutual $8,242 $9,071
Nationwide $6,408 $8,225
Progressive $11,141 $12,560
State Farm $5,379 $6,789
Travelers $13,317 $21,446
USAA $4,662 $4,887

How much do senior drivers pay for car insurance in El Dorado, AR?

With a little research, seniors can find affordable car insurance in El Dorado, Arkansas. Here’s a look at how the top El Dorado car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in El Dorado, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,728 $2,925
Farmers $2,003 $2,102
GEICO $2,511 $2,441
Liberty Mutual $2,316 $2,583
Nationwide $2,421 $2,574
Progressive $2,206 $2,301
State Farm $1,706 $1,706
Travelers $2,206 $2,218
USAA $1,366 $1,380

How does coverage level affect El Dorado, AR car insurance rates?

How much coverage do you need? Are you comfortable with the Arkansas minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your El Dorado, AR car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in El Dorado, Arkansas

Insurance Company Low Medium High
Allstate $5,200 $5,327 $5,464
Farmers $3,864 $4,013 $4,279
GEICO $3,492 $3,642 $3,796
Liberty Mutual $3,957 $4,064 $4,249
Nationwide $4,007 $3,868 $3,944
Progressive $4,661 $4,947 $5,447
State Farm $2,863 $3,002 $3,148
Travelers $5,880 $6,139 $6,346
USAA $2,308 $2,397 $2,513

How does your driving record affect El Dorado, AR car insurance rates?

Safe driving pays off. The more traffic violations you have in El Dorado, AR, the higher your car insurance rates will be. Compare rates based on driving infractions from top El Dorado, Arkansas companies.

Annual El Dorado, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,440 $5,540 $6,093 $5,250
Farmers $3,430 $4,384 $4,282 $4,110
GEICO $2,450 $3,787 $5,701 $2,637
Liberty Mutual $2,810 $4,514 $5,277 $3,758
Nationwide $3,047 $3,960 $5,389 $3,363
Progressive $4,330 $5,998 $4,547 $5,199
State Farm $2,768 $3,241 $3,004 $3,004
Travelers $5,152 $5,396 $7,649 $6,291
USAA $1,846 $2,342 $3,387 $2,049

How does a DUI affect El Dorado, AR car insurance rates?

With even one DUI on your record, you can see an increase in your El Dorado, AR car insurance rates.

Annual Car Insurance Rates After a DUI in El Dorado, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,093
Farmers $4,282
GEICO $5,701
Liberty Mutual $5,277
Nationwide $5,389
Progressive $4,547
State Farm $3,004
Travelers $7,649
USAA $3,387

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How does your credit history affect El Dorado, AR car insurance rates?

Take a look at the data here to see how your El Dorado, Arkansas car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in El Dorado, Arkansas

Insurance Company Poor Fair Good
Allstate $6,716 $5,122 $4,154
Farmers $4,617 $3,859 $3,678
GEICO $4,368 $3,585 $2,977
Liberty Mutual $5,925 $3,555 $2,789
Nationwide $4,684 $3,739 $3,396
Progressive $5,706 $4,848 $4,502
State Farm $4,355 $2,620 $2,038
Travelers $7,115 $5,808 $5,442
USAA $3,196 $2,173 $1,849

How does your commute affect El Dorado, AR car insurance rates?

El Dorado, AR car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Arkansas can be seen here. Remember, though, that you may have to carry substantially more car insurance in El Dorado if you’re financing.

Annual Car Insurance Rates by Commute Length in El Dorado, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,331 $5,331
Farmers $4,052 $4,052
GEICO $3,625 $3,662
Liberty Mutual $4,090 $4,090
Nationwide $3,940 $3,940
Progressive $5,019 $5,019
State Farm $2,932 $3,077
Travelers $6,122 $6,122
USAA $2,336 $2,476

Who has the cheapest El Dorado, AR car insurance rates?

Here’s a breakdown of El Dorado, Arkansas car insurance rates by company. You can see which company offers the cheapest El Dorado car insurance rates in each category.

Best Annual Car Insurance Rates by Company in El Dorado, Arkansas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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What are the top El Dorado, AR car insurance companies?

Which El Dorado, Arkansas car insurance company will best fit your needs and budget? Check out this comparison of the top El Dorado companies to find the one for you.

Average Annual Car Insurance Rates by Company in El Dorado, Arkansas

Insurance Company Average Annual Rates
Allstate $5,331
Farmers $4,052
GEICO $3,644
Liberty Mutual $4,090
Nationwide $3,940
Progressive $5,019
State Farm $3,004
Travelers $6,122
USAA $2,406

What factors affect El Dorado, AR car insurance rates?

Why are El Dorado, Arkansas car insurance rates different than rates in Conway or Rogers? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in El Dorado, AR?

More time spent behind the wheel can lead to higher El Dorado, Arkansas car insurance rates. In El Dorado, AR, the average commute length is 16.1 minutes.

Car Insurance Quotes for El Dorado, AR

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