Cheap Quotes for Oak Grove, AR Car Insurance (2021)

Oak Grove, Arkansas car insurance rates average $321 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Oak Grove, AR companies, you can find cheap Oak Grove 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

  • The cheapest car insurance company in Oak Grove is USAA
  • Average car insurance rates in Oak Grove, AR after a DUI are $4,619/year
  • Average car insurance rates in Oak Grove, AR are $321/month

How do the Oak Grove, Arkansas monthly average car insurance rates of $321/month compare to nearby cities like Jonesboro car insurance rates, North Little Rock car insurance rates, and Conway car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Oak Grove, AR.

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

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

What are the minimum Oak Grove, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oak Grove, 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 $2,894 $2,920 $2,574 $2,753 $10,392 $12,445 $3,206 $3,491
Farmers $2,187 $2,173 $1,956 $2,057 $9,131 $9,445 $2,510 $2,646
GEICO $2,331 $2,305 $2,150 $2,090 $6,083 $6,098 $2,293 $2,325
Liberty Mutual $2,084 $2,229 $1,999 $2,228 $7,413 $8,150 $2,247 $2,344
Nationwide $2,448 $2,496 $2,200 $2,325 $5,888 $7,499 $2,797 $3,014
Progressive $2,805 $2,655 $2,301 $2,412 $12,017 $13,530 $3,361 $3,651
State Farm $1,563 $1,563 $1,395 $1,395 $4,447 $5,591 $1,759 $2,018
Travelers $2,021 $2,059 $2,002 $2,006 $11,737 $18,800 $2,166 $2,501
USAA $1,254 $1,268 $1,161 $1,172 $3,866 $4,057 $1,612 $1,740

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

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

Annual Car Insurance Rates for Teen Drivers in Oak Grove, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,392 $12,445
Farmers $9,131 $9,445
GEICO $6,083 $6,098
Liberty Mutual $7,413 $8,150
Nationwide $5,888 $7,499
Progressive $12,017 $13,530
State Farm $4,447 $5,591
Travelers $11,737 $18,800
USAA $3,866 $4,057

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

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

Annual Car Insurance Rates for Senior Drivers in Oak Grove, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,574 $2,753
Farmers $1,956 $2,057
GEICO $2,150 $2,090
Liberty Mutual $1,999 $2,228
Nationwide $2,200 $2,325
Progressive $2,301 $2,412
State Farm $1,395 $1,395
Travelers $2,002 $2,006
USAA $1,161 $1,172

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

Annual Car Insurance Rates by Coverage Level in Oak Grove, Arkansas

Insurance Company Low Medium High
Allstate $4,953 $5,081 $5,219
Farmers $3,825 $3,974 $4,239
GEICO $3,089 $3,209 $3,331
Liberty Mutual $3,463 $3,563 $3,734
Nationwide $3,614 $3,513 $3,623
Progressive $4,962 $5,264 $5,798
State Farm $2,351 $2,463 $2,585
Travelers $5,163 $5,427 $5,645
USAA $1,937 $2,009 $2,102

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

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

Annual Oak Grove, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,202 $5,275 $5,851 $5,010
Farmers $3,388 $4,346 $4,245 $4,072
GEICO $2,177 $3,340 $4,978 $2,343
Liberty Mutual $2,444 $3,973 $4,645 $3,285
Nationwide $2,794 $3,602 $4,865 $3,073
Progressive $4,599 $6,410 $4,833 $5,524
State Farm $2,267 $2,665 $2,466 $2,466
Travelers $4,534 $4,684 $6,859 $5,569
USAA $1,553 $1,962 $2,828 $1,722

How does a DUI affect Oak Grove, AR car insurance rates?

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

Annual Car Insurance Rates After a DUI in Oak Grove, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,851
Farmers $4,245
GEICO $4,978
Liberty Mutual $4,645
Nationwide $4,865
Progressive $4,833
State Farm $2,466
Travelers $6,859
USAA $2,828

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

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

Annual Car Insurance Rates by Credit Score in Oak Grove, Arkansas

Insurance Company Poor Fair Good
Allstate $6,393 $4,890 $3,969
Farmers $4,569 $3,826 $3,644
GEICO $3,845 $3,161 $2,622
Liberty Mutual $5,176 $3,131 $2,453
Nationwide $4,238 $3,407 $3,105
Progressive $6,051 $5,166 $4,807
State Farm $3,570 $2,152 $1,677
Travelers $6,210 $5,182 $4,843
USAA $2,674 $1,823 $1,552

How does your commute affect Oak Grove, AR car insurance rates?

Oak Grove, 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 Oak Grove if you’re financing.

Annual Car Insurance Rates by Commute Length in Oak Grove, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,084 $5,084
Farmers $4,013 $4,013
GEICO $3,187 $3,232
Liberty Mutual $3,587 $3,587
Nationwide $3,583 $3,583
Progressive $5,341 $5,341
State Farm $2,408 $2,524
Travelers $5,412 $5,412
USAA $1,959 $2,074

Who has the cheapest Oak Grove, AR car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Oak Grove, Arkansas

Insurance Company Average Annual Rates
Allstate $5,084
Farmers $4,013
GEICO $3,209
Liberty Mutual $3,587
Nationwide $3,583
Progressive $5,341
State Farm $2,466
Travelers $5,412
USAA $2,016

What factors affect Oak Grove, AR car insurance rates?

Why are Oak Grove, Arkansas car insurance rates different than rates in Jonesboro 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 Oak Grove, AR?

More time spent behind the wheel can lead to higher Oak Grove, Arkansas car insurance rates. In Oak Grove, AR, the average commute length is 24.8 minutes.

Car Insurance Quotes for Oak Grove, AR

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