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 Osceola, AR for senior drivers are $2,080/year
  • Average car insurance rates in Osceola, AR are $333/month
  • The cheapest car insurance company in Osceola after a DUI is State Farm

Average car insurance rates in Osceola, Arkansas are $333 a month. But with a little research you can get a great deal from the top car insurance companies in Osceola, AR. Before you buy Osceola, Arkansas car insurance, make sure your coverage meets or exceeds the Arkansas minimum of 25/50/25.

It may even be helpful to compare Osceola car insurance rates with North Little Rock car insurance rates, Pine Bluff car insurance rates, or Bentonville car insurance rates to make sure you’re getting the best Osceola, AR car insurance quotes available.

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

Osceola, AR Minimum Car Insurance Coverage

Osceola, 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 Osceola, 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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Osceola, AR Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Osceola, Arkansas

Insurance Company Low Medium High
Allstate $4,983 $5,136 $5,298
Farmers $3,822 $3,984 $4,273
GEICO $3,208 $3,358 $3,511
Liberty Mutual $3,677 $3,794 $4,004
Nationwide $4,022 $3,922 $4,073
Progressive $4,155 $4,465 $5,029
State Farm $2,576 $2,711 $2,854
Travelers $5,764 $6,070 $6,327
USAA $2,202 $2,289 $2,401

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Osceola, 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 $2,887 $2,904 $2,583 $2,763 $10,625 $12,733 $3,178 $3,438
Farmers $2,178 $2,166 $1,946 $2,049 $9,214 $9,541 $2,495 $2,623
GEICO $2,433 $2,404 $2,244 $2,181 $6,388 $6,399 $2,395 $2,428
Liberty Mutual $2,188 $2,342 $2,111 $2,361 $7,986 $8,798 $2,360 $2,456
Nationwide $2,718 $2,768 $2,440 $2,578 $6,624 $8,442 $3,116 $3,360
Progressive $2,413 $2,285 $1,983 $2,076 $10,185 $11,469 $2,880 $3,106
State Farm $1,699 $1,699 $1,524 $1,524 $4,940 $6,210 $1,915 $2,196
Travelers $2,238 $2,280 $2,219 $2,223 $13,164 $21,142 $2,400 $2,762
USAA $1,412 $1,425 $1,310 $1,318 $4,459 $4,670 $1,820 $1,964

Osceola, AR Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Osceola, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,625 $12,733
Farmers $9,214 $9,541
GEICO $6,388 $6,399
Liberty Mutual $7,986 $8,798
Nationwide $6,624 $8,442
Progressive $10,185 $11,469
State Farm $4,940 $6,210
Travelers $13,164 $21,142
USAA $4,459 $4,670

Osceola, AR Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Osceola, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,583 $2,763
Farmers $1,946 $2,049
GEICO $2,244 $2,181
Liberty Mutual $2,111 $2,361
Nationwide $2,440 $2,578
Progressive $1,983 $2,076
State Farm $1,524 $1,524
Travelers $2,219 $2,223
USAA $1,310 $1,318

Osceola, AR Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Osceola, Arkansas

Insurance Company Poor Fair Good
Allstate $6,455 $4,951 $4,011
Farmers $4,579 $3,841 $3,659
GEICO $4,024 $3,309 $2,745
Liberty Mutual $5,515 $3,342 $2,618
Nationwide $4,733 $3,811 $3,473
Progressive $5,159 $4,400 $4,091
State Farm $3,931 $2,367 $1,843
Travelers $6,942 $5,798 $5,420
USAA $3,044 $2,078 $1,770

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Osceola, AR Car Insurance Rates by Driver History

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

Annual Osceola, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,236 $5,336 $5,922 $5,062
Farmers $3,402 $4,364 $4,263 $4,077
GEICO $2,283 $3,496 $5,199 $2,457
Liberty Mutual $2,604 $4,240 $4,959 $3,498
Nationwide $3,114 $4,027 $5,453 $3,429
Progressive $3,923 $5,447 $4,125 $4,704
State Farm $2,488 $2,939 $2,714 $2,714
Travelers $5,070 $5,238 $7,681 $6,225
USAA $1,763 $2,239 $3,229 $1,959

Osceola, AR Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Osceola, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,922
Farmers $4,263
GEICO $5,199
Liberty Mutual $4,959
Nationwide $5,453
Progressive $4,125
State Farm $2,714
Travelers $7,681
USAA $3,229

Osceola, AR Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Osceola, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,139 $5,139
Farmers $4,026 $4,026
GEICO $3,335 $3,383
Liberty Mutual $3,825 $3,825
Nationwide $4,006 $4,006
Progressive $4,550 $4,550
State Farm $2,648 $2,779
Travelers $6,054 $6,054
USAA $2,232 $2,363

Osceola, AR Cheapest Car Insurance Rates

How do the top Osceola, Arkansas car insurance companies’ average rates stack up against the Osceola average monthly car insurance rates of $333? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Osceola, Arkansas

Insurance Company Average Annual Rates
Allstate $5,139
Farmers $4,026
GEICO $3,359
Liberty Mutual $3,825
Nationwide $4,006
Progressive $4,550
State Farm $2,714
Travelers $6,054
USAA $2,297

Other Factors Affecting Osceola, AR Car Insurance Rates

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

Osceola, AR Commute Time

How does your Osceola, AR commute time compare with the average driver? In Osceola, the average commute is 11.8 minutes.

Osceola, AR Car Insurance Quotes

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