Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in El Paso, AR are $331/month
  • The cheapest car insurance company in El Paso after a DUI is State Farm
  • Average car insurance rates in El Paso, AR for senior drivers are $2,054/year

Average car insurance rates in El Paso, Arkansas are $331 a month. But with a little research you can get a great deal from the top car insurance companies in El Paso, AR. Before you buy El Paso, Arkansas car insurance, make sure your coverage meets or exceeds the Arkansas minimum of 25/50/25.

It may even be helpful to compare El Paso car insurance rates with Bentonville car insurance rates, Fort Smith car insurance rates, or Conway car insurance rates to make sure you’re getting the best El Paso, AR car insurance quotes available.

Need affordable El Paso, AR car insurance? Enter your ZIP code to compare El Paso car insurance quotes from multiple car insurance companies near you.

El Paso, AR Minimum Car Insurance Coverage

El Paso, Arkansas law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in El Paso, 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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El Paso, AR Car Insurance Rates by Coverage Level

Some El Paso drivers can get by with the Arkansas minimum coverage of 25/50/25. Other drivers may need more. See how much your El Paso, Arkansas car insurance rates may be based on the coverage you need.

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

Insurance Company Low Medium High
Allstate $4,803 $4,955 $5,117
Farmers $3,820 $3,990 $4,296
GEICO $3,250 $3,393 $3,540
Liberty Mutual $3,776 $3,892 $4,104
Nationwide $3,747 $3,658 $3,805
Progressive $4,546 $4,898 $5,540
State Farm $2,603 $2,738 $2,880
Travelers $5,579 $5,868 $6,108
USAA $1,989 $2,069 $2,171

El Paso, AR Car Insurance Rates by Age, Gender, and Marital Status

El Paso, Arkansas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy El Paso, AR car insurance, get quotes from multiple car insurance companies in the El Paso area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in El Paso, 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 $2,772 $2,780 $2,486 $2,656 $10,290 $12,358 $3,040 $3,287
Farmers $2,176 $2,165 $1,943 $2,048 $9,256 $9,589 $2,490 $2,616
GEICO $2,442 $2,411 $2,249 $2,187 $6,504 $6,507 $2,410 $2,444
Liberty Mutual $2,227 $2,384 $2,143 $2,398 $8,234 $9,082 $2,410 $2,513
Nationwide $2,537 $2,581 $2,281 $2,405 $6,186 $7,863 $2,909 $3,131
Progressive $2,629 $2,486 $2,164 $2,262 $11,233 $12,653 $3,140 $3,394
State Farm $1,710 $1,710 $1,535 $1,535 $5,005 $6,285 $1,928 $2,215
Travelers $2,156 $2,195 $2,143 $2,146 $12,750 $20,449 $2,316 $2,658
USAA $1,284 $1,296 $1,192 $1,200 $4,009 $4,199 $1,650 $1,779

El Paso, AR Car Insurance Rates for Teens

How much is El Paso, Arkansas car insurance for teens? Compare rates from top El Paso car insurance companies below to help find the cheapest teen car insurance in El Paso, AR.

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,290 $12,358
Farmers $9,256 $9,589
GEICO $6,504 $6,507
Liberty Mutual $8,234 $9,082
Nationwide $6,186 $7,863
Progressive $11,233 $12,653
State Farm $5,005 $6,285
Travelers $12,750 $20,449
USAA $4,009 $4,199

El Paso, AR Car Insurance Rates for Seniors

Before seniors buy El Paso, Arkansas car insurance, they should make sure to shop around. Some El Paso, AR car insurance companies may offer discounts or other savings options for senior car insurance.

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,486 $2,656
Farmers $1,943 $2,048
GEICO $2,249 $2,187
Liberty Mutual $2,143 $2,398
Nationwide $2,281 $2,405
Progressive $2,164 $2,262
State Farm $1,535 $1,535
Travelers $2,143 $2,146
USAA $1,192 $1,200

El Paso, AR Car Insurance Rates by Credit History

How does your credit history affect El Paso, AR car insurance rates? Review the numbers here to find out.

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

Insurance Company Poor Fair Good
Allstate $6,225 $4,778 $3,874
Farmers $4,589 $3,850 $3,667
GEICO $4,065 $3,344 $2,774
Liberty Mutual $5,655 $3,430 $2,687
Nationwide $4,409 $3,557 $3,244
Progressive $5,653 $4,833 $4,498
State Farm $3,970 $2,390 $1,861
Travelers $6,707 $5,606 $5,242
USAA $2,749 $1,878 $1,602

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El Paso, AR Car Insurance Rates by Driver History

How does a single speeding ticket affect your El Paso, Arkansas car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in El Paso.

Annual El Paso, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,075 $5,145 $5,729 $4,886
Farmers $3,410 $4,376 $4,274 $4,082
GEICO $2,310 $3,534 $5,248 $2,486
Liberty Mutual $2,668 $4,350 $5,091 $3,586
Nationwide $2,915 $3,756 $5,070 $3,205
Progressive $4,304 $5,989 $4,526 $5,160
State Farm $2,511 $2,970 $2,740 $2,740
Travelers $4,900 $5,061 $7,431 $6,015
USAA $1,597 $2,023 $2,912 $1,772

El Paso, AR Car Insurance Rates With a DUI

Even a single DUI can increase your El Paso, AR car insurance rates. Compare rates below to see which El Paso car insurance company has the best rates for drivers with a DUI.

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,729
Farmers $4,274
GEICO $5,248
Liberty Mutual $5,091
Nationwide $5,070
Progressive $4,526
State Farm $2,740
Travelers $7,431
USAA $2,912

El Paso, AR Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your El Paso, AR car insurance rates may be. Let’s take a look at average car insurance rates from top El Paso companies based on commute time.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,959 $4,959
Farmers $4,035 $4,035
GEICO $3,369 $3,420
Liberty Mutual $3,924 $3,924
Nationwide $3,737 $3,737
Progressive $4,995 $4,995
State Farm $2,674 $2,806
Travelers $5,852 $5,852
USAA $2,017 $2,135

El Paso, AR Cheapest Car Insurance Rates

How do the top El Paso, Arkansas car insurance companies’ average rates stack up against the El Paso average monthly car insurance rates of $331? Take a look and see.

Best Annual Car Insurance Rates by Company in El Paso, 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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El Paso, AR Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top El Paso, Arkansas car insurance companies to help you find one that best fits your needs.

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

Insurance Company Average Annual Rates
Allstate $4,959
Farmers $4,035
GEICO $3,394
Liberty Mutual $3,924
Nationwide $3,737
Progressive $4,995
State Farm $2,740
Travelers $5,852
USAA $2,076

Other Factors Affecting El Paso, AR Car Insurance Rates

Before you buy El Paso, Arkansas car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

El Paso, AR Traffic

Spending time in El Paso traffic can lead to higher car insurance rates. According to INRIX data, El Paso, AR ranks as the 914th-most congested with traffic in the world.

El Paso, AR Car Insurance Quotes

Compare El Paso, AR car insurance quotes from multiple companies by entering your ZIP code now.