Compare Ozark, AR Car Insurance Rates (2021)

Car insurance in Ozark, AR averages $315 a month. Ozark, Arkansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Ozark car insurance rates, compare quotes from the top car insurance companies in Ozark, AR.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Ozark, AR after a DUI are $4,549/year
  • Average car insurance rates in Ozark, AR are $3,776/year
  • The cheapest car insurance company in Ozark is USAA

If you need to buy Ozark, Arkansas car insurance, the options can be confusing. Everything you need to know about car insurance in Ozark, AR is right here.

You’ll find Ozark car insurance rates, the cheapest Ozark, AR car insurance companies, and information on Arkansas car insurance laws. You can also compare Ozark, Arkansas car insurance rates to Little Rock car insurance rates, Jonesboro car insurance rates, and Hot Springs car insurance rates.

Ready to find affordable Ozark, AR car insurance today? Enter your ZIP code for fast, free Ozark car insurance quotes.

Cheapest Ozark, AR Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Ozark, AR car insurance rates? Every Ozark, Arkansas car insurance company weighs these factors differently, so check out the comparison rates.

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

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Minimum Car Insurance in Ozark, AR

Every driver must carry the minimum car insurance in Ozark, AR. Take a look at the Arkansas car insurance requirements.

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

Cheapest Ozark, AR Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Ozark, AR. Compare credit history car insurance rates in Ozark from top companies for good, fair, and poor credit.

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

Cheapest Ozark, AR Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Ozark, AR to rates for a clean record with top 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

Cheapest Ozark, AR Car Insurance for Teen Drivers

Teen car insurance in Ozark, AR can be expensive. Take a look at rates from the top car insurance companies in Ozark for teenagers.

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

Cheapest Ozark, AR Car Insurance for Seniors

Take a look at Ozark, AR senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

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

Cheapest Ozark, AR Car Insurance Rates After a DUI

A DUI in Ozark, AR increases car insurance rates. Compare Ozark, Arkansas DUI car insurance by company to find the cheapest option.

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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Cheapest Ozark, AR Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Ozark, AR by commute? Take a look at a comparison of the top companies by commute length.

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

The Best Cheap Car Insurance Companies in Ozark, AR

Take a look at a side-by-side comparison of the top car insurance companies in Ozark, AR to find the best option for your needs.

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

Category Winners: Cheapest Car Insurance in Ozark, Arkansas

Find the cheapest car insurance companies in Ozark, AR for each category right here.

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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Cheapest Ozark, AR Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Ozark car insurance rates. Find the cheapest Ozark, AR car insurance rates by coverage level.

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

What affects car insurance rates in Ozark, Arkansas?

What factors can have an impact on Ozark, AR car insurance? There are several reasons why Ozark car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Ozark, Arkansas.

Commute Time in Ozark

The more time you spend in your car the higher the risk of an accident. The average commute length in Ozark, AR is 19.6 minutes according to City-Data.

Compare Car Insurance Quotes in Ozark, AR

Ready to find affordable Ozark, Arkansas car insurance today? Enter your ZIP code for fast, free Ozark, AR car insurance quotes.

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Average Monthly Car Insurance Rates by State