Cheap Quotes for Oxford, AR Car Insurance (2021)

Oxford, Arkansas car insurance rates average $338 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Oxford, AR companies, you can find cheap Oxford 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 Oxford, AR for senior drivers are $2,141/year
  • Oxford has an average commute time of 28.5 minutes
  • Average car insurance rates in Oxford, AR after a DUI are $4,871/year

How do the Oxford, Arkansas monthly average car insurance rates of $338/month compare to nearby cities like Little Rock car insurance rates, Fort Smith car insurance rates, and Jonesboro car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Oxford, AR.

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

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

What are the minimum Oxford, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oxford, 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 $2,612 $2,642 $2,322 $2,483 $9,138 $10,907 $2,899 $3,155
Farmers $2,265 $2,257 $2,025 $2,127 $9,394 $9,740 $2,596 $2,742
GEICO $2,606 $2,582 $2,408 $2,340 $6,591 $6,629 $2,550 $2,586
Liberty Mutual $2,329 $2,494 $2,208 $2,460 $7,977 $8,773 $2,511 $2,632
Nationwide $2,718 $2,768 $2,440 $2,578 $6,624 $8,442 $3,116 $3,360
Progressive $3,048 $2,909 $2,498 $2,606 $12,471 $14,079 $3,654 $3,960
State Farm $1,927 $1,927 $1,699 $1,699 $5,231 $6,609 $2,163 $2,471
Travelers $2,185 $2,229 $2,148 $2,155 $12,462 $19,969 $2,331 $2,717
USAA $1,259 $1,272 $1,168 $1,178 $3,921 $4,107 $1,619 $1,746

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

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

Annual Car Insurance Rates for Teen Drivers in Oxford, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,138 $10,907
Farmers $9,394 $9,740
GEICO $6,591 $6,629
Liberty Mutual $7,977 $8,773
Nationwide $6,624 $8,442
Progressive $12,471 $14,079
State Farm $5,231 $6,609
Travelers $12,462 $19,969
USAA $3,921 $4,107

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

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

Annual Car Insurance Rates for Senior Drivers in Oxford, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,322 $2,483
Farmers $2,025 $2,127
GEICO $2,408 $2,340
Liberty Mutual $2,208 $2,460
Nationwide $2,440 $2,578
Progressive $2,498 $2,606
State Farm $1,699 $1,699
Travelers $2,148 $2,155
USAA $1,168 $1,178

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

Annual Car Insurance Rates by Coverage Level in Oxford, Arkansas

Insurance Company Low Medium High
Allstate $4,405 $4,517 $4,637
Farmers $3,943 $4,101 $4,386
GEICO $3,403 $3,535 $3,671
Liberty Mutual $3,798 $3,899 $4,073
Nationwide $4,022 $3,922 $4,073
Progressive $5,275 $5,573 $6,112
State Farm $2,846 $2,963 $3,088
Travelers $5,515 $5,791 $6,017
USAA $1,948 $2,026 $2,127

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

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

Annual Oxford, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,756 $4,691 $5,178 $4,453
Farmers $3,503 $4,486 $4,380 $4,204
GEICO $2,385 $3,677 $5,517 $2,566
Liberty Mutual $2,685 $4,336 $5,070 $3,601
Nationwide $3,114 $4,027 $5,453 $3,429
Progressive $4,878 $6,747 $5,121 $5,866
State Farm $2,743 $3,188 $2,966 $2,966
Travelers $4,842 $5,003 $7,304 $5,949
USAA $1,566 $1,981 $2,852 $1,736

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

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

Annual Car Insurance Rates After a DUI in Oxford, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,178
Farmers $4,380
GEICO $5,517
Liberty Mutual $5,070
Nationwide $5,453
Progressive $5,121
State Farm $2,966
Travelers $7,304
USAA $2,852

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

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

Annual Car Insurance Rates by Credit Score in Oxford, Arkansas

Insurance Company Poor Fair Good
Allstate $5,680 $4,346 $3,533
Farmers $4,720 $3,948 $3,762
GEICO $4,238 $3,481 $2,890
Liberty Mutual $5,679 $3,414 $2,677
Nationwide $4,733 $3,811 $3,473
Progressive $6,440 $5,457 $5,062
State Farm $4,298 $2,586 $2,012
Travelers $6,636 $5,526 $5,162
USAA $2,693 $1,840 $1,568

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

Oxford, 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 Oxford if you’re financing.

Annual Car Insurance Rates by Commute Length in Oxford, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,520 $4,520
Farmers $4,143 $4,143
GEICO $3,516 $3,557
Liberty Mutual $3,923 $3,923
Nationwide $4,006 $4,006
Progressive $5,653 $5,653
State Farm $2,896 $3,035
Travelers $5,774 $5,774
USAA $1,975 $2,092

Who has the cheapest Oxford, AR car insurance rates?

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

Best Annual Car Insurance Rates by Company in Oxford, Arkansas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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What are the top Oxford, AR car insurance companies?

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

Average Annual Car Insurance Rates by Company in Oxford, Arkansas

Insurance Company Average Annual Rates
Allstate $4,520
Farmers $4,143
GEICO $3,536
Liberty Mutual $3,923
Nationwide $4,006
Progressive $5,653
State Farm $2,966
Travelers $5,774
USAA $2,034

What factors affect Oxford, AR car insurance rates?

Why are Oxford, Arkansas car insurance rates different than rates in Little Rock or Fort Smith? 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 Oxford, AR?

More time spent behind the wheel can lead to higher Oxford, Arkansas car insurance rates. In Oxford, AR, the average commute length is 28.5 minutes.

What is the traffic like in Oxford, AR

Like commute length, time spent in traffic also increase risk of accidents. Oxford, AR is listed as 771st in INRIX congested cities data.

Car Insurance Quotes for Oxford, AR

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