Cheapest Car Insurance Quotes in Oneida

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Oneida Car Insurance

^$ 33

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Oneida

The car insurance rate in Oneida is $1063 for a six-month policy, which is $139 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $553, making it a popular choice for budget-conscious drivers. Rates in Oneida can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Oneida

$1063

Avg. Car Insurance in Arkansas

$924

National Average

$1140

Cheapest Car Insurance Companies in Oneida

1st place: AutoOwners Insurance Co

At $553 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $725 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $744 for six months, making it the third cheapest auto insurance company in Oneida.

Oneida Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oneida, AR is AutoOwners Insurance Co, offering policies at just $553 for a six-month term. This is followed by Travelers, which has an average six-month premium of $725.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1968 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oneida drivers find the best deals.

Cheap Car Insurance Companies in Oneida, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$553	$94
Travelers	$725	$122
AAA	$744	$126
Southern Farm Bureau	$799	$135
USAA	$813	$137
State Farm	$915	$154
Farm Bureau	$936	$159
Shelter	$1004	$169
Nationwide	$1066	$179
Auto-Owners	$1099	$183
Farmers	$1243	$209
Alfa	$1455	$243
Allstate	$1557	$262
Progressive	$1968	$331

Key Takeaways

Way's key takeaways about car insurance in Oneida

The auto insurance costs in Oneida fall around $553 for six months.
The cheapest auto insurance company in Oneida is USAA.
Teen drivers pay the highest rate in Oneida at $1175 per month.

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Cheapest Minimum Liability Car Insurance in Oneida

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Oneida are given below.

USAA provides the cheapest minimum car insurance coverage in Oneida. Their Average 6 Month Premium is $198. Farmers is the most expensive at $683 for the same period.

Cheapest Liability Coverage in Oneida, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$198	$33
Auto-Owners Insurance Co	$218	$37
State Farm	$246	$41
Auto-Owners	$260	$44
Travelers	$267	$45
AAA	$274	$46
Southern Farm Bureau	$281	$47
Farm Bureau	$286	$48
Alfa	$300	$51
Shelter	$328	$55
Nationwide	$342	$57
Progressive	$362	$61
Allstate	$628	$106
Farmers	$683	$114

Cheapest Full Coverage Car Insurance in Oneida

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Oneida is AutoOwners Insurance Co at $94 per month and $553 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oneida, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$553	$94
Travelers	$725	$122
AAA	$744	$126
Southern Farm Bureau	$799	$135
USAA	$813	$137
State Farm	$915	$154
Farm Bureau	$936	$159
Shelter	$1004	$169
Nationwide	$1066	$179
Auto-Owners	$1099	$183
Farmers	$1243	$209
Alfa	$1455	$243
Allstate	$1557	$262
Progressive	$1968	$331

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Average Car Insurance in Oneida by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Oneida, AR increasing?

Despite maintaining a clean driving record, your car insurance rates in Oneida, Arkansas, may be increasing due to several external factors. Arkansas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Oneida's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Oneida

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Oneida,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Oneida at $30 per month. At $6913 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$177	$30
Travelers	$293	$49
Auto-Owners Insurance Co	$321	$54
AAA	$342	$59
Southern Farm Bureau	$1202	$202
USAA	$1387	$233
Farm Bureau	$1824	$304
State Farm	$1858	$313
Alfa	$2268	$378
Nationwide	$2323	$391
Shelter	$3019	$508
Progressive	$5642	$950
Allstate	$6913	$1164
Farmers	$6913	$1175

Teen Car Insurance Rates in AR by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Oneida, Southern Farm Bureau is the cheapest car insurance provider. At $335 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Oneida is State Farm, offering rates of around $4556 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Southern Farm Bureau	$335	$56
Home State Ins Group	$342	$59
Travelers	$402	$67
Alfa	$867	$146
USAA	$1162	$193
Shelter	$1271	$214
Nationwide	$1285	$216
Progressive	$1640	$276
Farm Bureau	$1694	$283
Farmers	$1708	$288
Allstate	$3122	$520
State Farm	$4556	$775

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Car Insurance Rates with An Accident in Oneida

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Oneida, AR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Oneida

The cheapest car insurance companies after an at-fault accident in Oneida include Hanover and Travelers, offering $205 and $348, respectively. Allstate is an expensive provider with an average six-month premium of $2890.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$205	$35
Travelers	$348	$59
Auto-Owners Insurance Co	$355	$59
Auto-Owners	$416	$71
Home State Ins Group	$437	$72
USAA	$656	$110
State Farm	$676	$114
Farm Bureau	$806	$136
Southern Farm Bureau	$820	$138
Shelter	$1018	$171
Farmers	$1578	$266
Nationwide	$1598	$269
Progressive	$1981	$334
Alfa	$2221	$377
Allstate	$2890	$486

Oneida Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oneida AR. For example, the car insurance in Oneida after a DUI increases to $772 for a six month policy. While the rate increases by $328 for a six-month policy in the case of a speeding ticket.

Oneida auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1366	$228
One Med/PIP claim	$1387	$236
Not-at-fault accident	$1394	$232
One comp claim	$1394	$237
Two Med/PIP claims	$1415	$236
Two comp claims	$1448	$246
Failure to wear a seat belt	$1640	$274
Child safety restraint	$1653	$281
Driving without lights	$1653	$276
Failure to show documents	$1673	$284
Driving with expired registration	$1694	$283
Speeding 6 - 10 MPH over limit	$1694	$288
Driving too slowly	$1701	$284
Speeding 11 - 15 MPH over limit	$1701	$289
Speeding in school zone	$1701	$284
Speeding 16 - 20 MPH over limit	$1708	$291
Failure to stop at a red light	$1715	$285
Failure to yield	$1715	$292
Wrong way/wrong lane	$1722	$286
Cell phone violation	$1728	$294
In 65 MPH zone	$1728	$288
Texting while driving	$1728	$294
Following too closely	$1735	$289
Illegal turn	$1735	$296
Improper passing	$1735	$289
Speeding 21 - 25 MPH over limit	$1769	$301
At-fault accident - less than $1000	$1776	$296
Passing school bus	$1789	$305
Operating a vehicle without permission	$1845	$307
Open container	$1879	$320
At-fault accident - $1000-$2000	$1919	$320
At-fault accident - greater than $2000	$1926	$328
DUI	$2138	$357
Racing	$2138	$363
Refusal to submit to a chemical test	$2138	$357
Reckless driving	$2172	$369
Driving with a suspended license	$2233	$373
Leaving scene of an accident/hit and run	$2275	$386

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Oneida after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Oneida.

The cheapest car insurance premiums in Oneida are offered by Hanover at $218 for a six-month policy. However, it can be as expensive as $2910 with companies like Nationwide.

Oneida car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$218	$37
Home State Ins Group	$369	$61
Travelers	$383	$64
State Farm	$718	$121
Farm Bureau	$744	$125
Southern Farm Bureau	$758	$128
USAA	$1038	$175
Progressive	$1298	$218
Shelter	$1626	$274
Alfa	$2152	$359
Allstate	$2535	$427
Farmers	$2623	$437
Nationwide	$2910	$490

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Oneida are offered by Hanover at $191. However, it can be as expensive as $2240 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Oneida after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$191	$32
Southern Farm Bureau	$205	$35
Auto-Owners Insurance Co	$253	$43
Travelers	$335	$56
Home State Ins Group	$355	$59
State Farm	$642	$108
USAA	$779	$130
Farm Bureau	$1018	$173
Nationwide	$1162	$195
Progressive	$1257	$212
Shelter	$1318	$220
Farmers	$1531	$258
Alfa	$2098	$350
Allstate	$2240	$381

Car Insurance Price Trends in Oneida, Arkansas

Car insurance rates in Oneida have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Oneida remained steady at $228 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Oneida remained steady at $53 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Oneida?

The car insurance in Oneida is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Oneida?

The cheapest car insurance in Oneida is $94 per month for full coverage.

How much is car insurance in Oneida for teenagers?

Car insurance for teenagers costs $177 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Oneida?

The average cost of car insurance is $924 for a six-month policy. It will cost around $178 per month to insure your car in Oneida.

Is car insurance expensive in Oneida?

Car insurance can be expensive in Oneida if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Oneida can be affordable.

Cheapest Car Insurance Quotes in Oneida

Why you can trust Way?

How Much Is Car Insurance in Oneida

Avg. Car Insurance in Oneida

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Oneida

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Oneida Car Insurance Rates by Company

Cheap Car Insurance Companies in Oneida, AR

Way's key takeaways about car insurance in Oneida

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oneida

Cheapest Liability Coverage in Oneida, AR

Cheapest Full Coverage Car Insurance in Oneida

Cheapest Full Coverage Car Insurance Quotes in Oneida, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oneida by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Oneida, AR increasing?

Car Insurance Premiums by Age in Oneida

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oneida,AR

If you are in your twenties N/A is the best choice for car insurance in Oneida.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Oneida

Cheapest Car Insurance Companies after an At-Fault Accident in Oneida

Oneida Car Insurance Rates by Violation

Oneida auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oneida after a DUI

Oneida car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oneida after Speeding ticket

Car Insurance Price Trends in Oneida, Arkansas

Average Car Insurance Cost in Oneida by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oneida, AR

Car Insurance Rates by State in the USA (2025 Update)

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