Cheap Quotes for Elaine, AR Car Insurance (2021)

Elaine, Arkansas car insurance rates average $373 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Elaine, AR companies, you can find cheap Elaine 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 Elaine, AR are $373/month
  • Elaine has an average commute time of 20.8 minutes
  • The cheapest car insurance company in Elaine is USAA

How do the Elaine, Arkansas monthly average car insurance rates of $373/month compare to nearby cities like Bentonville car insurance rates, Little Rock car insurance rates, and Hot Springs car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Elaine, AR.

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

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

What are the minimum Elaine, AR car insurance requirements?

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

Minimum Required Car Insurance Coverage in Elaine, 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 Elaine, AR car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Elaine, 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 $3,259 $3,276 $2,908 $3,112 $12,129 $14,565 $3,593 $3,901
Farmers $2,499 $2,496 $2,237 $2,346 $10,174 $10,561 $2,851 $3,010
GEICO $3,177 $3,153 $2,939 $2,857 $7,876 $7,938 $3,099 $3,142
Liberty Mutual $2,387 $2,555 $2,288 $2,555 $8,580 $9,444 $2,575 $2,688
Nationwide $2,514 $2,562 $2,259 $2,387 $6,062 $7,723 $2,875 $3,099
Progressive $2,996 $2,858 $2,460 $2,561 $12,221 $13,810 $3,584 $3,875
State Farm $2,177 $2,177 $1,945 $1,945 $6,213 $7,854 $2,453 $2,787
Travelers $2,427 $2,477 $2,373 $2,387 $13,944 $22,484 $2,583 $3,007
USAA $1,475 $1,494 $1,364 $1,379 $4,636 $4,863 $1,910 $2,065

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

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

Annual Car Insurance Rates for Teen Drivers in Elaine, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,129 $14,565
Farmers $10,174 $10,561
GEICO $7,876 $7,938
Liberty Mutual $8,580 $9,444
Nationwide $6,062 $7,723
Progressive $12,221 $13,810
State Farm $6,213 $7,854
Travelers $13,944 $22,484
USAA $4,636 $4,863

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

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

Annual Car Insurance Rates for Senior Drivers in Elaine, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,908 $3,112
Farmers $2,237 $2,346
GEICO $2,939 $2,857
Liberty Mutual $2,288 $2,555
Nationwide $2,259 $2,387
Progressive $2,460 $2,561
State Farm $1,945 $1,945
Travelers $2,373 $2,387
USAA $1,364 $1,379

How does coverage level affect Elaine, 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 Elaine, AR car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Elaine, Arkansas

Insurance Company Low Medium High
Allstate $5,675 $5,840 $6,014
Farmers $4,302 $4,475 $4,788
GEICO $4,099 $4,271 $4,447
Liberty Mutual $3,986 $4,103 $4,313
Nationwide $3,704 $3,609 $3,742
Progressive $5,094 $5,444 $6,099
State Farm $3,262 $3,443 $3,627
Travelers $6,146 $6,478 $6,756
USAA $2,302 $2,390 $2,503

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

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

Annual Elaine, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,800 $6,064 $6,751 $5,756
Farmers $3,831 $4,893 $4,777 $4,585
GEICO $2,870 $4,440 $6,692 $3,088
Liberty Mutual $2,812 $4,582 $5,360 $3,782
Nationwide $2,870 $3,704 $5,007 $3,159
Progressive $4,788 $6,614 $5,029 $5,751
State Farm $3,166 $3,722 $3,444 $3,444
Travelers $5,420 $5,600 $8,172 $6,649
USAA $1,840 $2,334 $3,374 $2,044

How does a DUI affect Elaine, AR car insurance rates?

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

Annual Car Insurance Rates After a DUI in Elaine, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,751
Farmers $4,777
GEICO $6,692
Liberty Mutual $5,360
Nationwide $5,007
Progressive $5,029
State Farm $3,444
Travelers $8,172
USAA $3,374

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

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

Annual Car Insurance Rates by Credit Score in Elaine, Arkansas

Insurance Company Poor Fair Good
Allstate $7,348 $5,626 $4,555
Farmers $5,155 $4,305 $4,104
GEICO $5,122 $4,204 $3,491
Liberty Mutual $5,978 $3,605 $2,820
Nationwide $4,353 $3,506 $3,196
Progressive $6,315 $5,354 $4,968
State Farm $4,996 $3,002 $2,334
Travelers $7,420 $6,184 $5,777
USAA $3,186 $2,166 $1,843

How does your commute affect Elaine, AR car insurance rates?

Elaine, 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 Elaine if you’re financing.

Annual Car Insurance Rates by Commute Length in Elaine, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,843 $5,843
Farmers $4,522 $4,522
GEICO $4,250 $4,295
Liberty Mutual $4,134 $4,134
Nationwide $3,685 $3,685
Progressive $5,546 $5,546
State Farm $3,358 $3,530
Travelers $6,460 $6,460
USAA $2,329 $2,468

Who has the cheapest Elaine, AR car insurance rates?

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

Best Annual Car Insurance Rates by Company in Elaine, Arkansas

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

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What are the top Elaine, AR car insurance companies?

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

Average Annual Car Insurance Rates by Company in Elaine, Arkansas

Insurance Company Average Annual Rates
Allstate $5,843
Farmers $4,522
GEICO $4,272
Liberty Mutual $4,134
Nationwide $3,685
Progressive $5,546
State Farm $3,444
Travelers $6,460
USAA $2,398

What factors affect Elaine, AR car insurance rates?

Why are Elaine, Arkansas car insurance rates different than rates in Bentonville or Little Rock? 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 Elaine, AR?

More time spent behind the wheel can lead to higher Elaine, Arkansas car insurance rates. In Elaine, AR, the average commute length is 20.8 minutes.

Car Insurance Quotes for Elaine, AR

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