Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in Oden, AR are $348/month
  • The cheapest car insurance company in Oden for teen drivers is USAA
  • The cheapest car insurance company in Oden after a DUI is USAA

Average car insurance rates in Oden, Arkansas are $348 a month. But with a little research you can get a great deal from the top car insurance companies in Oden, AR. Before you buy Oden, Arkansas car insurance, make sure your coverage meets or exceeds the Arkansas minimum of 25/50/25.

It may even be helpful to compare Oden car insurance rates with Hot Springs car insurance rates, Fort Smith car insurance rates, or Fayetteville car insurance rates to make sure you’re getting the best Oden, AR car insurance quotes available.

Need affordable Oden, AR car insurance? Enter your ZIP code to compare Oden car insurance quotes from multiple car insurance companies near you.

Oden, AR Minimum Car Insurance Coverage

Oden, Arkansas law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Oden, 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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Oden, AR Car Insurance Rates by Coverage Level

Some Oden drivers can get by with the Arkansas minimum coverage of 25/50/25. Other drivers may need more. See how much your Oden, Arkansas car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Oden, Arkansas

Insurance Company Low Medium High
Allstate $5,058 $5,186 $5,322
Farmers $4,387 $4,546 $4,834
GEICO $3,433 $3,561 $3,691
Liberty Mutual $4,093 $4,195 $4,373
Nationwide $3,882 $3,758 $3,859
Progressive $5,075 $5,376 $5,927
State Farm $2,741 $2,857 $2,981
Travelers $5,540 $5,819 $6,048
USAA $1,947 $2,019 $2,112

Oden, AR Car Insurance Rates by Age, Gender, and Marital Status

Oden, Arkansas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Oden, AR car insurance, get quotes from multiple car insurance companies in the Oden area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oden, 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 $2,886 $2,896 $2,582 $2,758 $10,790 $12,980 $3,172 $3,444
Farmers $2,527 $2,520 $2,262 $2,369 $10,331 $10,718 $2,904 $3,081
GEICO $2,619 $2,595 $2,419 $2,351 $6,655 $6,691 $2,565 $2,601
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 $2,934 $2,797 $2,405 $2,510 $12,076 $13,630 $3,515 $3,809
State Farm $1,839 $1,839 $1,628 $1,628 $5,090 $6,415 $2,067 $2,369
Travelers $2,195 $2,240 $2,152 $2,162 $12,515 $20,090 $2,339 $2,727
USAA $1,260 $1,274 $1,166 $1,177 $3,886 $4,077 $1,619 $1,748

Oden, AR Car Insurance Rates for Teens

How much is Oden, Arkansas car insurance for teens? Compare rates from top Oden car insurance companies below to help find the cheapest teen car insurance in Oden, AR.

Annual Car Insurance Rates for Teen Drivers in Oden, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,790 $12,980
Farmers $10,331 $10,718
GEICO $6,655 $6,691
Liberty Mutual $8,693 $9,570
Nationwide $6,216 $7,979
Progressive $12,076 $13,630
State Farm $5,090 $6,415
Travelers $12,515 $20,090
USAA $3,886 $4,077

Oden, AR Car Insurance Rates for Seniors

Before seniors buy Oden, Arkansas car insurance, they should make sure to shop around. Some Oden, AR car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Oden, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,582 $2,758
Farmers $2,262 $2,369
GEICO $2,419 $2,351
Liberty Mutual $2,330 $2,596
Nationwide $2,364 $2,513
Progressive $2,405 $2,510
State Farm $1,628 $1,628
Travelers $2,152 $2,162
USAA $1,166 $1,177

Oden, AR Car Insurance Rates by Credit History

How does your credit history affect Oden, AR car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Oden, Arkansas

Insurance Company Poor Fair Good
Allstate $6,508 $5,001 $4,056
Farmers $5,234 $4,370 $4,164
GEICO $4,269 $3,507 $2,911
Liberty Mutual $6,104 $3,677 $2,880
Nationwide $4,545 $3,642 $3,312
Progressive $6,214 $5,272 $4,892
State Farm $4,144 $2,494 $1,941
Travelers $6,666 $5,553 $5,187
USAA $2,687 $1,831 $1,560

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Oden, AR Car Insurance Rates by Driver History

How does a single speeding ticket affect your Oden, Arkansas car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Oden.

Annual Oden, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,253 $5,375 $6,011 $5,115
Farmers $3,880 $4,963 $4,845 $4,669
GEICO $2,403 $3,704 $5,555 $2,586
Liberty Mutual $2,875 $4,670 $5,469 $3,867
Nationwide $2,966 $3,853 $5,241 $3,273
Progressive $4,711 $6,520 $4,946 $5,661
State Farm $2,639 $3,081 $2,860 $2,860
Travelers $4,867 $5,029 $7,338 $5,976
USAA $1,561 $1,971 $2,842 $1,731

Oden, AR Car Insurance Rates With a DUI

Even a single DUI can increase your Oden, AR car insurance rates. Compare rates below to see which Oden car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Oden, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,011
Farmers $4,845
GEICO $5,555
Liberty Mutual $5,469
Nationwide $5,241
Progressive $4,946
State Farm $2,860
Travelers $7,338
USAA $2,842

Oden, AR Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Oden, AR car insurance rates may be. Let’s take a look at average car insurance rates from top Oden companies based on commute time.

Annual Car Insurance Rates by Commute Length in Oden, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,188 $5,188
Farmers $4,589 $4,589
GEICO $3,541 $3,583
Liberty Mutual $4,220 $4,220
Nationwide $3,833 $3,833
Progressive $5,459 $5,459
State Farm $2,793 $2,927
Travelers $5,802 $5,802
USAA $1,968 $2,084

Oden, AR Cheapest Car Insurance Rates

How do the top Oden, Arkansas car insurance companies’ average rates stack up against the Oden average monthly car insurance rates of $348? Take a look and see.

Best Annual Car Insurance Rates by Company in Oden, 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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Oden, AR Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Oden, Arkansas car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Oden, Arkansas

Insurance Company Average Annual Rates
Allstate $5,188
Farmers $4,589
GEICO $3,562
Liberty Mutual $4,220
Nationwide $3,833
Progressive $5,459
State Farm $2,860
Travelers $5,802
USAA $2,026

Other Factors Affecting Oden, AR Car Insurance Rates

Before you buy Oden, Arkansas car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Oden, AR Commute Time

How does your Oden, AR commute time compare with the average driver? In Oden, the average commute is 30.2 minutes.

Oden, AR Traffic

Spending time in Oden traffic can lead to higher car insurance rates. According to INRIX data, Oden, AR ranks as the 223rd-most congested with traffic in the world.

Oden, AR Car Insurance Quotes

Compare Oden, AR car insurance quotes from multiple companies by entering your ZIP code now.