Cheap Quotes for Ozark, AR Car Insurance (2021)

Ozark, Arkansas car insurance rates average $315 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Ozark, AR companies, you can find cheap Ozark 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 Ozark, AR are $315/month
  • Average car insurance rates in Ozark, AR after a DUI are $4,549/year
  • Ozark has an average commute time of 19.6 minutes

How do the Ozark, Arkansas monthly average car insurance rates of $315/month compare to nearby cities like Pine Bluff car insurance rates, Rogers 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 Ozark, AR.

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

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

What are the minimum Ozark, AR car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ozark, 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 $2,638 $2,665 $2,349 $2,513 $9,337 $11,149 $2,923 $3,173
Farmers $2,220 $2,204 $1,984 $2,087 $9,355 $9,679 $2,552 $2,691
GEICO $2,380 $2,353 $2,195 $2,134 $6,214 $6,228 $2,341 $2,374
Liberty Mutual $2,168 $2,317 $2,093 $2,335 $8,162 $8,987 $2,349 $2,449
Nationwide $2,448 $2,496 $2,200 $2,325 $5,888 $7,499 $2,797 $3,014
Progressive $2,501 $2,369 $2,053 $2,150 $10,577 $11,905 $2,991 $3,233
State Farm $1,548 $1,548 $1,378 $1,378 $4,370 $5,492 $1,741 $2,000
Travelers $2,028 $2,067 $1,998 $2,004 $11,683 $18,727 $2,167 $2,512
USAA $1,256 $1,270 $1,164 $1,175 $3,881 $4,069 $1,615 $1,744

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

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

Annual Car Insurance Rates for Teen Drivers in Ozark, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,337 $11,149
Farmers $9,355 $9,679
GEICO $6,214 $6,228
Liberty Mutual $8,162 $8,987
Nationwide $5,888 $7,499
Progressive $10,577 $11,905
State Farm $4,370 $5,492
Travelers $11,683 $18,727
USAA $3,881 $4,069

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

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

Annual Car Insurance Rates for Senior Drivers in Ozark, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,349 $2,513
Farmers $1,984 $2,087
GEICO $2,195 $2,134
Liberty Mutual $2,093 $2,335
Nationwide $2,200 $2,325
Progressive $2,053 $2,150
State Farm $1,378 $1,378
Travelers $1,998 $2,004
USAA $1,164 $1,175

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

Annual Car Insurance Rates by Coverage Level in Ozark, Arkansas

Insurance Company Low Medium High
Allstate $4,463 $4,590 $4,727
Farmers $3,907 $4,057 $4,326
GEICO $3,146 $3,277 $3,409
Liberty Mutual $3,721 $3,829 $4,022
Nationwide $3,614 $3,513 $3,623
Progressive $4,365 $4,650 $5,153
State Farm $2,324 $2,428 $2,543
Travelers $5,160 $5,414 $5,621
USAA $1,939 $2,014 $2,112

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

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

Annual Ozark, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,812 $4,771 $5,265 $4,525
Farmers $3,457 $4,437 $4,335 $4,157
GEICO $2,224 $3,411 $5,082 $2,393
Liberty Mutual $2,607 $4,284 $5,017 $3,521
Nationwide $2,794 $3,602 $4,865 $3,073
Progressive $4,071 $5,657 $4,278 $4,885
State Farm $2,238 $2,626 $2,432 $2,432
Travelers $4,526 $4,676 $6,837 $5,554
USAA $1,558 $1,969 $2,834 $1,727

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

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

Annual Car Insurance Rates After a DUI in Ozark, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,265
Farmers $4,335
GEICO $5,082
Liberty Mutual $5,017
Nationwide $4,865
Progressive $4,278
State Farm $2,432
Travelers $6,837
USAA $2,834

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

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

Annual Car Insurance Rates by Credit Score in Ozark, Arkansas

Insurance Company Poor Fair Good
Allstate $5,772 $4,419 $3,589
Farmers $4,660 $3,908 $3,722
GEICO $3,926 $3,228 $2,678
Liberty Mutual $5,558 $3,375 $2,640
Nationwide $4,238 $3,407 $3,105
Progressive $5,356 $4,566 $4,245
State Farm $3,519 $2,122 $1,654
Travelers $6,196 $5,169 $4,831
USAA $2,680 $1,828 $1,558

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

Ozark, 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 Ozark if you’re financing.

Annual Car Insurance Rates by Commute Length in Ozark, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,593 $4,593
Farmers $4,097 $4,097
GEICO $3,255 $3,300
Liberty Mutual $3,857 $3,857
Nationwide $3,583 $3,583
Progressive $4,723 $4,723
State Farm $2,375 $2,488
Travelers $5,398 $5,398
USAA $1,964 $2,080

Who has the cheapest Ozark, AR car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Ozark, Arkansas

Insurance Company Average Annual Rates
Allstate $4,593
Farmers $4,097
GEICO $3,277
Liberty Mutual $3,857
Nationwide $3,583
Progressive $4,723
State Farm $2,432
Travelers $5,398
USAA $2,022

What factors affect Ozark, AR car insurance rates?

Why are Ozark, Arkansas car insurance rates different than rates in Pine Bluff or Rogers? 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 Ozark, AR?

More time spent behind the wheel can lead to higher Ozark, Arkansas car insurance rates. In Ozark, AR, the average commute length is 19.6 minutes.

Car Insurance Quotes for Ozark, AR

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