biglouis
Tarty is a (mainly working class) adjective which was often thrown about in my native Liverpol when I was younger. I dont know if this is still the case as its 40 years since I lived there. The equivalent insult for a male was to call him a "prick" which carries both sexual and social class connotations. "Oik" and "twat" were two others.
Nellie Boswell used to call Lilo Lil a 'taaaart', in Bread
.
I agree it's not an insult that does the insulter any favours.
I disagree that your other examples are the same though. 'Oik' is a snobbish term for state school pupils, I believe. I dare say it is/was more often used against men and boys, as in the days when it was current more males than females were educated. 'Prick' is relatively mild, and just means the same as 'prat' or 'pillock' - it's not the male equivalent of 'tart', as it doesn't have sexual connotations despite its alternative meaning, and anyway those connotations are far less derogatory when applied to a man.
'Twat' is another word that shows the disdain some have for women - much like the 'C word' which uses the female sexual anatomy as the worst thing someone can be called. I know that is different in parts of Scotland, though.