Cheap Quotes for Elkins, AR Car Insurance (2021)

Elkins, Arkansas car insurance rates average $320 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Elkins, AR companies, you can find cheap Elkins 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 Elkins, AR are $320/month
  • Average car insurance rates in Elkins, AR after a DUI are $4,619/year
  • Elkins has an average commute time of 28.9 minutes

How do the Elkins, Arkansas monthly average car insurance rates of $320/month compare to nearby cities like Conway car insurance rates, North Little Rock car insurance rates, and Rogers car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Elkins, AR.

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

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

What are the minimum Elkins, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Elkins, 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 $2,642 $2,656 $2,363 $2,524 $9,629 $11,553 $2,909 $3,156
Farmers $2,117 $2,103 $1,890 $1,994 $9,063 $9,381 $2,426 $2,546
GEICO $2,043 $2,012 $1,878 $1,825 $5,627 $5,611 $2,028 $2,057
Liberty Mutual $2,121 $2,264 $2,053 $2,290 $8,112 $8,928 $2,296 $2,388
Nationwide $2,547 $2,593 $2,289 $2,416 $6,206 $7,893 $2,919 $3,143
Progressive $2,507 $2,354 $2,063 $2,168 $11,178 $12,559 $2,999 $3,255
State Farm $1,694 $1,694 $1,506 $1,506 $4,775 $6,003 $1,905 $2,190
Travelers $2,137 $2,174 $2,132 $2,132 $12,710 $20,348 $2,301 $2,635
USAA $1,337 $1,352 $1,237 $1,248 $4,175 $4,379 $1,724 $1,860

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

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

Annual Car Insurance Rates for Teen Drivers in Elkins, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,629 $11,553
Farmers $9,063 $9,381
GEICO $5,627 $5,611
Liberty Mutual $8,112 $8,928
Nationwide $6,206 $7,893
Progressive $11,178 $12,559
State Farm $4,775 $6,003
Travelers $12,710 $20,348
USAA $4,175 $4,379

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

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

Annual Car Insurance Rates for Senior Drivers in Elkins, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,363 $2,524
Farmers $1,890 $1,994
GEICO $1,878 $1,825
Liberty Mutual $2,053 $2,290
Nationwide $2,289 $2,416
Progressive $2,063 $2,168
State Farm $1,506 $1,506
Travelers $2,132 $2,132
USAA $1,237 $1,248

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

Annual Car Insurance Rates by Coverage Level in Elkins, Arkansas

Insurance Company Low Medium High
Allstate $4,549 $4,676 $4,812
Farmers $3,735 $3,897 $4,188
GEICO $2,749 $2,884 $3,023
Liberty Mutual $3,675 $3,780 $3,965
Nationwide $3,787 $3,680 $3,785
Progressive $4,475 $4,803 $5,378
State Farm $2,545 $2,656 $2,776
Travelers $5,560 $5,837 $6,066
USAA $2,083 $2,157 $2,252

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

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

Annual Elkins, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,855 $4,851 $5,398 $4,612
Farmers $3,327 $4,272 $4,175 $3,986
GEICO $1,976 $3,006 $4,432 $2,127
Liberty Mutual $2,567 $4,232 $4,956 $3,472
Nationwide $2,925 $3,770 $5,091 $3,217
Progressive $4,200 $5,889 $4,418 $5,034
State Farm $2,448 $2,871 $2,659 $2,659
Travelers $4,872 $5,032 $7,399 $5,982
USAA $1,663 $2,104 $3,044 $1,845

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

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

Annual Car Insurance Rates After a DUI in Elkins, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,398
Farmers $4,175
GEICO $4,432
Liberty Mutual $4,956
Nationwide $5,091
Progressive $4,418
State Farm $2,659
Travelers $7,399
USAA $3,044

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

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

Annual Car Insurance Rates by Credit Score in Elkins, Arkansas

Insurance Company Poor Fair Good
Allstate $5,872 $4,506 $3,659
Farmers $4,477 $3,761 $3,582
GEICO $3,454 $2,844 $2,357
Liberty Mutual $5,479 $3,334 $2,607
Nationwide $4,434 $3,567 $3,251
Progressive $5,504 $4,734 $4,418
State Farm $3,851 $2,320 $1,807
Travelers $6,669 $5,578 $5,216
USAA $2,873 $1,955 $1,664

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

Elkins, 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 Elkins if you’re financing.

Annual Car Insurance Rates by Commute Length in Elkins, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,679 $4,679
Farmers $3,940 $3,940
GEICO $2,860 $2,910
Liberty Mutual $3,807 $3,807
Nationwide $3,751 $3,751
Progressive $4,885 $4,885
State Farm $2,597 $2,721
Travelers $5,821 $5,821
USAA $2,102 $2,226

Who has the cheapest Elkins, AR car insurance rates?

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

Best Annual Car Insurance Rates by Company in Elkins, 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 Elkins, AR car insurance companies?

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

Average Annual Car Insurance Rates by Company in Elkins, Arkansas

Insurance Company Average Annual Rates
Allstate $4,679
Farmers $3,940
GEICO $2,885
Liberty Mutual $3,807
Nationwide $3,751
Progressive $4,885
State Farm $2,659
Travelers $5,821
USAA $2,164

What factors affect Elkins, AR car insurance rates?

Why are Elkins, Arkansas car insurance rates different than rates in Conway or North 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 Elkins, AR?

More time spent behind the wheel can lead to higher Elkins, Arkansas car insurance rates. In Elkins, AR, the average commute length is 28.9 minutes.

Car Insurance Quotes for Elkins, AR

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