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 Oxford, AR for senior drivers are $2,141/year
  • The cheapest car insurance company in Oxford for teen drivers is USAA
  • Average car insurance rates in Oxford, AR are $338/month

Average car insurance rates in Oxford, Arkansas are $338 a month. But with a little research you can get a great deal from the top car insurance companies in Oxford, AR. Before you buy Oxford, Arkansas car insurance, make sure your coverage meets or exceeds the Arkansas minimum of 25/50/25.

It may even be helpful to compare Oxford car insurance rates with Rogers car insurance rates, Jonesboro car insurance rates, or Pine Bluff car insurance rates to make sure you’re getting the best Oxford, AR car insurance quotes available.

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

Oxford, AR Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Oxford, Arkansas

Insurance Company Low Medium High
Allstate $4,405 $4,517 $4,637
Farmers $3,943 $4,101 $4,386
GEICO $3,403 $3,535 $3,671
Liberty Mutual $3,798 $3,899 $4,073
Nationwide $4,022 $3,922 $4,073
Progressive $5,275 $5,573 $6,112
State Farm $2,846 $2,963 $3,088
Travelers $5,515 $5,791 $6,017
USAA $1,948 $2,026 $2,127

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oxford, 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 $2,612 $2,642 $2,322 $2,483 $9,138 $10,907 $2,899 $3,155
Farmers $2,265 $2,257 $2,025 $2,127 $9,394 $9,740 $2,596 $2,742
GEICO $2,606 $2,582 $2,408 $2,340 $6,591 $6,629 $2,550 $2,586
Liberty Mutual $2,329 $2,494 $2,208 $2,460 $7,977 $8,773 $2,511 $2,632
Nationwide $2,718 $2,768 $2,440 $2,578 $6,624 $8,442 $3,116 $3,360
Progressive $3,048 $2,909 $2,498 $2,606 $12,471 $14,079 $3,654 $3,960
State Farm $1,927 $1,927 $1,699 $1,699 $5,231 $6,609 $2,163 $2,471
Travelers $2,185 $2,229 $2,148 $2,155 $12,462 $19,969 $2,331 $2,717
USAA $1,259 $1,272 $1,168 $1,178 $3,921 $4,107 $1,619 $1,746

Oxford, AR Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Oxford, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,138 $10,907
Farmers $9,394 $9,740
GEICO $6,591 $6,629
Liberty Mutual $7,977 $8,773
Nationwide $6,624 $8,442
Progressive $12,471 $14,079
State Farm $5,231 $6,609
Travelers $12,462 $19,969
USAA $3,921 $4,107

Oxford, AR Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Oxford, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,322 $2,483
Farmers $2,025 $2,127
GEICO $2,408 $2,340
Liberty Mutual $2,208 $2,460
Nationwide $2,440 $2,578
Progressive $2,498 $2,606
State Farm $1,699 $1,699
Travelers $2,148 $2,155
USAA $1,168 $1,178

Oxford, AR Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Oxford, Arkansas

Insurance Company Poor Fair Good
Allstate $5,680 $4,346 $3,533
Farmers $4,720 $3,948 $3,762
GEICO $4,238 $3,481 $2,890
Liberty Mutual $5,679 $3,414 $2,677
Nationwide $4,733 $3,811 $3,473
Progressive $6,440 $5,457 $5,062
State Farm $4,298 $2,586 $2,012
Travelers $6,636 $5,526 $5,162
USAA $2,693 $1,840 $1,568

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Oxford, AR Car Insurance Rates by Driver History

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

Annual Oxford, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,756 $4,691 $5,178 $4,453
Farmers $3,503 $4,486 $4,380 $4,204
GEICO $2,385 $3,677 $5,517 $2,566
Liberty Mutual $2,685 $4,336 $5,070 $3,601
Nationwide $3,114 $4,027 $5,453 $3,429
Progressive $4,878 $6,747 $5,121 $5,866
State Farm $2,743 $3,188 $2,966 $2,966
Travelers $4,842 $5,003 $7,304 $5,949
USAA $1,566 $1,981 $2,852 $1,736

Oxford, AR Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Oxford, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,178
Farmers $4,380
GEICO $5,517
Liberty Mutual $5,070
Nationwide $5,453
Progressive $5,121
State Farm $2,966
Travelers $7,304
USAA $2,852

Oxford, AR Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Oxford, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,520 $4,520
Farmers $4,143 $4,143
GEICO $3,516 $3,557
Liberty Mutual $3,923 $3,923
Nationwide $4,006 $4,006
Progressive $5,653 $5,653
State Farm $2,896 $3,035
Travelers $5,774 $5,774
USAA $1,975 $2,092

Oxford, AR Cheapest Car Insurance Rates

How do the top Oxford, Arkansas car insurance companies’ average rates stack up against the Oxford average monthly car insurance rates of $338? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Oxford, Arkansas

Insurance Company Average Annual Rates
Allstate $4,520
Farmers $4,143
GEICO $3,536
Liberty Mutual $3,923
Nationwide $4,006
Progressive $5,653
State Farm $2,966
Travelers $5,774
USAA $2,034

Other Factors Affecting Oxford, AR Car Insurance Rates

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

Oxford, AR Commute Time

How does your Oxford, AR commute time compare with the average driver? In Oxford, the average commute is 28.5 minutes.

Oxford, AR Traffic

Spending time in Oxford traffic can lead to higher car insurance rates. According to INRIX data, Oxford, AR ranks as the 771st-most congested with traffic in the world.

Oxford, AR Car Insurance Quotes

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