Cheap Quotes for Oark, AR Car Insurance (2021)

Oark, Arkansas car insurance rates average $320 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Oark, AR companies, you can find cheap Oark 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 Oark, AR after a DUI are $4,606/year
  • Average car insurance rates in Oark, AR are $320/month
  • Average car insurance rates in Oark, AR for senior drivers are $1,998/year

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

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

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

What are the minimum Oark, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oark, 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 $2,626 $2,653 $2,338 $2,501 $9,252 $11,045 $2,910 $3,160
Farmers $2,165 $2,148 $1,936 $2,036 $9,086 $9,392 $2,492 $2,629
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 $2,724 $2,586 $2,234 $2,338 $11,555 $13,018 $3,269 $3,554
State Farm $1,632 $1,632 $1,449 $1,449 $4,580 $5,757 $1,835 $2,110
Travelers $2,173 $2,214 $2,151 $2,156 $12,694 $20,362 $2,328 $2,687
USAA $1,277 $1,291 $1,183 $1,194 $3,959 $4,151 $1,642 $1,772

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

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

Annual Car Insurance Rates for Teen Drivers in Oark, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,252 $11,045
Farmers $9,086 $9,392
GEICO $6,083 $6,098
Liberty Mutual $7,413 $8,150
Nationwide $5,888 $7,499
Progressive $11,555 $13,018
State Farm $4,580 $5,757
Travelers $12,694 $20,362
USAA $3,959 $4,151

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

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

Annual Car Insurance Rates for Senior Drivers in Oark, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,338 $2,501
Farmers $1,936 $2,036
GEICO $2,150 $2,090
Liberty Mutual $1,999 $2,228
Nationwide $2,200 $2,325
Progressive $2,234 $2,338
State Farm $1,449 $1,449
Travelers $2,151 $2,156
USAA $1,183 $1,194

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

Annual Car Insurance Rates by Coverage Level in Oark, Arkansas

Insurance Company Low Medium High
Allstate $4,429 $4,558 $4,695
Farmers $3,807 $3,949 $4,201
GEICO $3,089 $3,209 $3,331
Liberty Mutual $3,463 $3,563 $3,734
Nationwide $3,614 $3,513 $3,623
Progressive $4,819 $5,092 $5,569
State Farm $2,448 $2,552 $2,666
Travelers $5,577 $5,862 $6,098
USAA $1,975 $2,051 $2,149

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

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

Annual Oark, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,787 $4,738 $5,225 $4,492
Farmers $3,361 $4,316 $4,216 $4,048
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 $4,445 $6,185 $4,669 $5,341
State Farm $2,353 $2,757 $2,555 $2,555
Travelers $4,897 $5,059 $7,413 $6,013
USAA $1,585 $2,004 $2,887 $1,758

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

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

Annual Car Insurance Rates After a DUI in Oark, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,225
Farmers $4,216
GEICO $4,978
Liberty Mutual $4,645
Nationwide $4,865
Progressive $4,669
State Farm $2,555
Travelers $7,413
USAA $2,887

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

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

Annual Car Insurance Rates by Credit Score in Oark, Arkansas

Insurance Company Poor Fair Good
Allstate $5,733 $4,386 $3,563
Farmers $4,536 $3,801 $3,619
GEICO $3,845 $3,161 $2,622
Liberty Mutual $5,176 $3,131 $2,453
Nationwide $4,238 $3,407 $3,105
Progressive $5,854 $4,988 $4,638
State Farm $3,700 $2,229 $1,737
Travelers $6,706 $5,598 $5,233
USAA $2,729 $1,861 $1,586

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

Oark, 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 Oark if you’re financing.

Annual Car Insurance Rates by Commute Length in Oark, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,561 $4,561
Farmers $3,985 $3,985
GEICO $3,187 $3,232
Liberty Mutual $3,587 $3,587
Nationwide $3,583 $3,583
Progressive $5,160 $5,160
State Farm $2,496 $2,615
Travelers $5,845 $5,845
USAA $2,000 $2,117

Who has the cheapest Oark, AR car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Oark, Arkansas

Insurance Company Average Annual Rates
Allstate $4,561
Farmers $3,985
GEICO $3,209
Liberty Mutual $3,587
Nationwide $3,583
Progressive $5,160
State Farm $2,555
Travelers $5,845
USAA $2,059

Car Insurance Quotes for Oark, AR

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