Cheapest Car Insurance Quotes in Elaine

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Elaine Car Insurance

^$ 33

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Elaine

The car insurance rate in Elaine is $1044 for a six-month policy, which is $120 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $544, making it a popular choice for budget-conscious drivers. Rates in Elaine can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Elaine

$1044

Avg. Car Insurance in Arkansas

$924

National Average

$1140

Cheapest Car Insurance Companies in Elaine

1st place: AutoOwners Insurance Co

At $544 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $712 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $731 for six months, making it the third cheapest auto insurance company in Elaine.

Elaine Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elaine, AR is AutoOwners Insurance Co, offering policies at just $544 for a six-month term. This is followed by Travelers, which has an average six-month premium of $712.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1933 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elaine drivers find the best deals.

Cheap Car Insurance Companies in Elaine, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$544	$93
Travelers	$712	$120
AAA	$731	$124
Southern Farm Bureau	$785	$132
USAA	$799	$134
State Farm	$899	$151
Farm Bureau	$920	$156
Shelter	$986	$166
Nationwide	$1048	$176
Auto-Owners	$1080	$180
Farmers	$1222	$206
Alfa	$1429	$238
Allstate	$1530	$258
Progressive	$1933	$325

Key Takeaways

Way's key takeaways about car insurance in Elaine

The auto insurance costs in Elaine fall around $544 for six months.
The cheapest auto insurance company in Elaine is USAA.
Teen drivers pay the highest rate in Elaine at $1155 per month.

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Cheapest Minimum Liability Car Insurance in Elaine

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Elaine are given below.

USAA provides the cheapest minimum car insurance coverage in Elaine. Their Average 6 Month Premium is $194. Farmers is the most expensive at $671 for the same period.

Cheapest Liability Coverage in Elaine, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$194	$33
Auto-Owners Insurance Co	$215	$36
State Farm	$242	$41
Auto-Owners	$255	$43
Travelers	$262	$44
AAA	$269	$45
Southern Farm Bureau	$276	$46
Farm Bureau	$281	$47
Alfa	$295	$50
Shelter	$322	$54
Nationwide	$336	$56
Progressive	$356	$60
Allstate	$617	$104
Farmers	$671	$112

Cheapest Full Coverage Car Insurance in Elaine

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Elaine is AutoOwners Insurance Co at $93 per month and $544 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elaine, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$544	$93
Travelers	$712	$120
AAA	$731	$124
Southern Farm Bureau	$785	$132
USAA	$799	$134
State Farm	$899	$151
Farm Bureau	$920	$156
Shelter	$986	$166
Nationwide	$1048	$176
Auto-Owners	$1080	$180
Farmers	$1222	$206
Alfa	$1429	$238
Allstate	$1530	$258
Progressive	$1933	$325

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Average Car Insurance in Elaine by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Elaine, AR increasing?

Despite maintaining a clean driving record, your car insurance rates in Elaine, Arkansas, may be increasing due to several external factors. Arkansas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Elaine's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Elaine

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Elaine,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Elaine at $29 per month. At $6792 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$174	$29
Travelers	$288	$49
Auto-Owners Insurance Co	$315	$53
AAA	$336	$58
Southern Farm Bureau	$1181	$199
USAA	$1363	$229
Farm Bureau	$1792	$298
State Farm	$1826	$307
Alfa	$2228	$372
Nationwide	$2283	$384
Shelter	$2966	$499
Progressive	$5544	$933
Allstate	$6792	$1144
Farmers	$6792	$1155

Teen Car Insurance Rates in AR by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Elaine, Southern Farm Bureau is the cheapest car insurance provider. At $329 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Elaine is State Farm, offering rates of around $4477 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Southern Farm Bureau	$329	$55
Home State Ins Group	$336	$58
Travelers	$395	$66
Alfa	$852	$144
USAA	$1141	$190
Shelter	$1249	$210
Nationwide	$1262	$212
Progressive	$1611	$271
Farm Bureau	$1664	$278
Farmers	$1678	$283
Allstate	$3068	$511
State Farm	$4477	$762

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Car Insurance Rates with An Accident in Elaine

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Elaine, AR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Elaine

The cheapest car insurance companies after an at-fault accident in Elaine include Hanover and Travelers, offering $201 and $342, respectively. Allstate is an expensive provider with an average six-month premium of $2840.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$201	$34
Travelers	$342	$58
Auto-Owners Insurance Co	$349	$58
Auto-Owners	$409	$70
Home State Ins Group	$429	$71
USAA	$644	$108
State Farm	$664	$112
Farm Bureau	$792	$133
Southern Farm Bureau	$806	$136
Shelter	$1000	$168
Farmers	$1550	$261
Nationwide	$1571	$264
Progressive	$1947	$328
Alfa	$2182	$371
Allstate	$2840	$478

Elaine Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elaine AR. For example, the car insurance in Elaine after a DUI increases to $759 for a six month policy. While the rate increases by $322 for a six-month policy in the case of a speeding ticket.

Elaine auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1342	$224
One Med/PIP claim	$1363	$232
Not-at-fault accident	$1370	$228
One comp claim	$1370	$233
Two Med/PIP claims	$1390	$232
Two comp claims	$1423	$242
Failure to wear a seat belt	$1611	$269
Child safety restraint	$1624	$276
Driving without lights	$1624	$271
Failure to show documents	$1644	$279
Driving with expired registration	$1664	$278
Speeding 6 - 10 MPH over limit	$1664	$283
Driving too slowly	$1671	$279
Speeding 11 - 15 MPH over limit	$1671	$284
Speeding in school zone	$1671	$279
Speeding 16 - 20 MPH over limit	$1678	$286
Failure to stop at a red light	$1685	$280
Failure to yield	$1685	$287
Wrong way/wrong lane	$1692	$281
Cell phone violation	$1698	$289
In 65 MPH zone	$1698	$283
Texting while driving	$1698	$289
Following too closely	$1705	$284
Illegal turn	$1705	$290
Improper passing	$1705	$284
Speeding 21 - 25 MPH over limit	$1738	$296
At-fault accident - less than $1000	$1745	$290
Passing school bus	$1758	$299
Operating a vehicle without permission	$1813	$302
Open container	$1846	$314
At-fault accident - $1000-$2000	$1886	$314
At-fault accident - greater than $2000	$1893	$322
DUI	$2101	$350
Racing	$2101	$357
Refusal to submit to a chemical test	$2101	$350
Reckless driving	$2135	$363
Driving with a suspended license	$2194	$366
Leaving scene of an accident/hit and run	$2235	$380

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Elaine after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Elaine.

The cheapest car insurance premiums in Elaine are offered by Hanover at $215 for a six-month policy. However, it can be as expensive as $2859 with companies like Nationwide.

Elaine car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$215	$36
Home State Ins Group	$363	$60
Travelers	$376	$63
State Farm	$705	$119
Farm Bureau	$731	$123
Southern Farm Bureau	$745	$125
USAA	$1020	$172
Progressive	$1276	$215
Shelter	$1598	$269
Alfa	$2114	$353
Allstate	$2491	$419
Farmers	$2578	$429
Nationwide	$2859	$481

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Elaine are offered by Hanover at $188. However, it can be as expensive as $2201 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Elaine after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$188	$32
Southern Farm Bureau	$201	$34
Auto-Owners Insurance Co	$249	$42
Travelers	$329	$55
Home State Ins Group	$349	$58
State Farm	$631	$106
USAA	$765	$128
Farm Bureau	$1000	$169
Nationwide	$1141	$192
Progressive	$1235	$208
Shelter	$1295	$216
Farmers	$1504	$253
Alfa	$2061	$344
Allstate	$2201	$374

Car Insurance Price Trends in Elaine, Arkansas

Car insurance rates in Elaine have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Elaine remained steady at $224 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Elaine remained steady at $52 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Elaine?

The car insurance in Elaine is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Elaine?

The cheapest car insurance in Elaine is $93 per month for full coverage.

How much is car insurance in Elaine for teenagers?

Car insurance for teenagers costs $174 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Elaine?

The average cost of car insurance is $924 for a six-month policy. It will cost around $175 per month to insure your car in Elaine.

Is car insurance expensive in Elaine?

Car insurance can be expensive in Elaine if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Elaine can be affordable.

Cheapest Car Insurance Quotes in Elaine

Why you can trust Way?

How Much Is Car Insurance in Elaine

Avg. Car Insurance in Elaine

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Elaine

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Elaine Car Insurance Rates by Company

Cheap Car Insurance Companies in Elaine, AR

Way's key takeaways about car insurance in Elaine

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Elaine

Cheapest Liability Coverage in Elaine, AR

Cheapest Full Coverage Car Insurance in Elaine

Cheapest Full Coverage Car Insurance Quotes in Elaine, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Elaine by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Elaine, AR increasing?

Car Insurance Premiums by Age in Elaine

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Elaine,AR

If you are in your twenties N/A is the best choice for car insurance in Elaine.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Elaine

Cheapest Car Insurance Companies after an At-Fault Accident in Elaine

Elaine Car Insurance Rates by Violation

Elaine auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Elaine after a DUI

Elaine car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Elaine after Speeding ticket

Car Insurance Price Trends in Elaine, Arkansas

Average Car Insurance Cost in Elaine by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Elaine, AR

Car Insurance Rates by State in the USA (2025 Update)

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