Cheap Quotes for Ozan, AR Car Insurance (2021)

Ozan, Arkansas car insurance rates average $342 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Ozan, AR companies, you can find cheap Ozan 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 Ozan, AR are $342/month
  • Average car insurance rates in Ozan, AR after a DUI are $4,971/year
  • The cheapest car insurance company in Ozan is USAA

How do the Ozan, Arkansas monthly average car insurance rates of $342/month compare to nearby cities like Bentonville car insurance rates, Conway car insurance rates, and Fayetteville car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Ozan, AR.

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

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

What are the minimum Ozan, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ozan, 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 $3,149 $3,200 $2,774 $2,977 $10,925 $13,011 $3,529 $3,860
Farmers $2,228 $2,217 $1,993 $2,093 $9,264 $9,593 $2,561 $2,707
GEICO $2,750 $2,731 $2,547 $2,475 $6,742 $6,800 $2,677 $2,714
Liberty Mutual $2,462 $2,637 $2,330 $2,596 $8,693 $9,570 $2,669 $2,804
Nationwide $2,641 $2,703 $2,364 $2,513 $6,216 $7,979 $3,000 $3,248
Progressive $2,521 $2,395 $2,069 $2,164 $10,545 $11,880 $3,018 $3,265
State Farm $1,811 $1,811 $1,608 $1,608 $5,064 $6,383 $2,037 $2,330
Travelers $2,263 $2,309 $2,214 $2,224 $12,795 $20,508 $2,409 $2,820
USAA $1,372 $1,389 $1,269 $1,282 $4,273 $4,484 $1,770 $1,913

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

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

Annual Car Insurance Rates for Teen Drivers in Ozan, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,925 $13,011
Farmers $9,264 $9,593
GEICO $6,742 $6,800
Liberty Mutual $8,693 $9,570
Nationwide $6,216 $7,979
Progressive $10,545 $11,880
State Farm $5,064 $6,383
Travelers $12,795 $20,508
USAA $4,273 $4,484

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

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

Annual Car Insurance Rates for Senior Drivers in Ozan, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,774 $2,977
Farmers $1,993 $2,093
GEICO $2,547 $2,475
Liberty Mutual $2,330 $2,596
Nationwide $2,364 $2,513
Progressive $2,069 $2,164
State Farm $1,608 $1,608
Travelers $2,214 $2,224
USAA $1,269 $1,282

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

Annual Car Insurance Rates by Coverage Level in Ozan, Arkansas

Insurance Company Low Medium High
Allstate $5,307 $5,426 $5,551
Farmers $3,893 $4,043 $4,311
GEICO $3,545 $3,679 $3,815
Liberty Mutual $4,093 $4,195 $4,373
Nationwide $3,882 $3,758 $3,859
Progressive $4,388 $4,661 $5,147
State Farm $2,705 $2,829 $2,961
Travelers $5,685 $5,960 $6,183
USAA $2,132 $2,212 $2,314

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

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

Annual Ozan, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,522 $5,642 $6,202 $5,346
Farmers $3,447 $4,420 $4,315 $4,146
GEICO $2,472 $3,823 $5,763 $2,660
Liberty Mutual $2,875 $4,670 $5,469 $3,867
Nationwide $2,966 $3,853 $5,241 $3,273
Progressive $4,081 $5,661 $4,287 $4,900
State Farm $2,609 $3,054 $2,831 $2,831
Travelers $4,985 $5,151 $7,510 $6,124
USAA $1,706 $2,159 $3,118 $1,893

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

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

Annual Car Insurance Rates After a DUI in Ozan, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,202
Farmers $4,315
GEICO $5,763
Liberty Mutual $5,469
Nationwide $5,241
Progressive $4,287
State Farm $2,831
Travelers $7,510
USAA $3,118

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

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

Annual Car Insurance Rates by Credit Score in Ozan, Arkansas

Insurance Company Poor Fair Good
Allstate $6,840 $5,213 $4,231
Farmers $4,651 $3,890 $3,705
GEICO $4,411 $3,620 $3,007
Liberty Mutual $6,104 $3,677 $2,880
Nationwide $4,545 $3,642 $3,312
Progressive $5,375 $4,573 $4,248
State Farm $4,103 $2,469 $1,922
Travelers $6,832 $5,686 $5,310
USAA $2,946 $2,005 $1,706

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

Ozan, 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 Ozan if you’re financing.

Annual Car Insurance Rates by Commute Length in Ozan, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,428 $5,428
Farmers $4,082 $4,082
GEICO $3,661 $3,698
Liberty Mutual $4,220 $4,220
Nationwide $3,833 $3,833
Progressive $4,732 $4,732
State Farm $2,764 $2,899
Travelers $5,943 $5,943
USAA $2,155 $2,283

Who has the cheapest Ozan, AR car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Ozan, Arkansas

Insurance Company Average Annual Rates
Allstate $5,428
Farmers $4,082
GEICO $3,679
Liberty Mutual $4,220
Nationwide $3,833
Progressive $4,732
State Farm $2,832
Travelers $5,943
USAA $2,219

What factors affect Ozan, AR car insurance rates?

Why are Ozan, Arkansas car insurance rates different than rates in Bentonville or Conway? 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 Ozan, AR?

More time spent behind the wheel can lead to higher Ozan, Arkansas car insurance rates. In Ozan, AR, the average commute length is 40.1 minutes.

Car Insurance Quotes for Ozan, AR

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