Compare Oak Harbor, WA Car Insurance Rates (2021)

Car insurance in Oak Harbor, WA averages $210 a month. Oak Harbor, Washington car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Oak Harbor car insurance rates, compare quotes from the top car insurance companies in Oak Harbor, WA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Oak Harbor, WA are $2,515/year
  • The cheapest car insurance company in Oak Harbor for teen drivers is GEICO
  • The cheapest car insurance company in Oak Harbor is USAA

If you need to buy Oak Harbor, Washington car insurance, the options can be confusing. Everything you need to know about car insurance in Oak Harbor, WA is right here.

You’ll find Oak Harbor car insurance rates, the cheapest Oak Harbor, WA car insurance companies, and information on Washington car insurance laws. You can also compare Oak Harbor, Washington car insurance rates to Seattle car insurance rates, Everett car insurance rates, and Spokane car insurance rates.

Ready to find affordable Oak Harbor, WA car insurance today? Enter your ZIP code for fast, free Oak Harbor car insurance quotes.

Cheapest Oak Harbor, WA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Oak Harbor, WA car insurance rates? Every Oak Harbor, Washington car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oak Harbor, Washington

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 $1,712 $1,699 $1,583 $1,654 $5,636 $6,483 $1,821 $1,889
American Family $1,584 $1,584 $1,447 $1,447 $5,991 $8,162 $1,584 $2,114
Farmers $1,727 $1,771 $1,582 $1,781 $3,933 $4,222 $2,175 $2,279
GEICO $1,420 $1,446 $1,334 $1,334 $3,068 $4,016 $2,390 $1,748
Liberty Mutual $1,590 $1,741 $1,429 $1,677 $8,806 $9,691 $1,701 $1,849
Nationwide $1,235 $1,262 $1,150 $1,196 $3,268 $3,977 $1,465 $1,580
Progressive $1,409 $1,315 $1,271 $1,285 $7,152 $8,014 $1,687 $1,682
State Farm $1,353 $1,353 $1,217 $1,217 $3,886 $4,919 $1,537 $1,766
USAA $889 $877 $859 $858 $3,675 $4,331 $1,110 $1,210

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Minimum Car Insurance in Oak Harbor, WA

Every driver must carry the minimum car insurance in Oak Harbor, WA. Take a look at the Washington car insurance requirements.

Minimum Required Car Insurance Coverage in Oak Harbor, Washington

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Oak Harbor, WA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Oak Harbor, WA. Compare credit history car insurance rates in Oak Harbor from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Oak Harbor, Washington

Insurance Company Poor Fair Good
Allstate $3,495 $2,655 $2,279
American Family $3,526 $2,882 $2,561
Farmers $2,971 $2,241 $2,089
GEICO $2,493 $1,995 $1,796
Liberty Mutual $5,082 $3,136 $2,463
Nationwide $2,245 $1,772 $1,658
Progressive $3,278 $2,927 $2,726
State Farm $3,129 $1,879 $1,461
USAA $2,174 $1,597 $1,407

Cheapest Oak Harbor, WA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Oak Harbor, WA to rates for a clean record with top companies.

Annual Oak Harbor, Washington Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,394 $2,947 $3,243 $2,655
American Family $2,398 $3,069 $3,552 $2,939
Farmers $2,011 $2,500 $2,724 $2,500
GEICO $1,616 $2,067 $3,080 $1,616
Liberty Mutual $3,039 $3,827 $3,900 $3,476
Nationwide $1,477 $1,989 $2,488 $1,612
Progressive $2,412 $3,773 $2,814 $2,909
State Farm $1,962 $2,351 $2,156 $2,156
USAA $1,275 $1,838 $2,288 $1,503

Cheapest Oak Harbor, WA Car Insurance for Teen Drivers

Teen car insurance in Oak Harbor, WA can be expensive. Take a look at rates from the top car insurance companies in Oak Harbor for teenagers.

Annual Car Insurance Rates for Teen Drivers in Oak Harbor, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,636 $6,483
American Family $5,991 $8,162
Farmers $3,933 $4,222
GEICO $3,068 $4,016
Liberty Mutual $8,806 $9,691
Nationwide $3,268 $3,977
Progressive $7,152 $8,014
State Farm $3,886 $4,919
USAA $3,675 $4,331

Cheapest Oak Harbor, WA Car Insurance for Seniors

Take a look at Oak Harbor, WA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Oak Harbor, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,583 $1,654
American Family $1,447 $1,447
Farmers $1,582 $1,781
GEICO $1,334 $1,334
Liberty Mutual $1,429 $1,677
Nationwide $1,150 $1,196
Progressive $1,271 $1,285
State Farm $1,217 $1,217
USAA $859 $858

Cheapest Oak Harbor, WA Car Insurance Rates After a DUI

A DUI in Oak Harbor, WA increases car insurance rates. Compare Oak Harbor, Washington DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Oak Harbor, Washington

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,243
American Family $3,552
Farmers $2,724
GEICO $3,080
Liberty Mutual $3,900
Nationwide $2,488
Progressive $2,814
State Farm $2,156
USAA $2,288

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Cheapest Oak Harbor, WA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Oak Harbor, WA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Oak Harbor, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,810 $2,810
American Family $2,928 $3,050
Farmers $2,434 $2,434
GEICO $2,068 $2,121
Liberty Mutual $3,560 $3,560
Nationwide $1,892 $1,892
Progressive $2,977 $2,977
State Farm $2,097 $2,215
USAA $1,709 $1,743

The Best Cheap Car Insurance Companies in Oak Harbor, WA

Take a look at a side-by-side comparison of the top car insurance companies in Oak Harbor, WA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Oak Harbor, Washington

Insurance Company Average Annual Rates
Allstate $2,810
American Family $2,989
Farmers $2,434
GEICO $2,095
Liberty Mutual $3,560
Nationwide $1,892
Progressive $2,977
State Farm $2,156
USAA $1,726

Category Winners: Cheapest Car Insurance in Oak Harbor, Washington

Find the cheapest car insurance companies in Oak Harbor, WA for each category right here.

Best Annual Car Insurance Rates by Company in Oak Harbor, Washington

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Oak Harbor, WA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Oak Harbor car insurance rates. Find the cheapest Oak Harbor, WA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Oak Harbor, Washington

Insurance Company Low Medium High
Allstate $2,659 $2,801 $2,969
American Family $2,818 $2,985 $3,165
Farmers $2,277 $2,437 $2,587
GEICO $1,971 $2,096 $2,217
Liberty Mutual $3,333 $3,567 $3,781
Nationwide $1,789 $1,891 $1,996
Progressive $2,714 $2,906 $3,311
State Farm $2,013 $2,165 $2,291
USAA $1,610 $1,724 $1,845

What affects car insurance rates in Oak Harbor, Washington?

What factors can have an impact on Oak Harbor, WA car insurance? There are several reasons why Oak Harbor car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Oak Harbor, Washington.

Car Theft in Oak Harbor

High levels of vehicle theft can make car insurance more expensive. Oak Harbor, WA car theft statistics from the FBI indicate 21 vehicle thefts a year.

Commute Time in Oak Harbor

The more time you spend in your car the higher the risk of an accident. The average commute length in Oak Harbor, WA is 21.2 minutes according to City-Data.

Compare Car Insurance Quotes in Oak Harbor, WA

Ready to find affordable Oak Harbor, Washington car insurance today? Enter your ZIP code for fast, free Oak Harbor, WA car insurance quotes.

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