Compare Oak, NE Car Insurance Rates (2021)

Car insurance in Oak, NE averages $270 a month. Oak, Nebraska car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Oak car insurance rates, compare quotes from the top car insurance companies in Oak, NE.

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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, NE after a DUI are $3,767/year
  • Average car insurance rates in Oak, NE are $3,244/year
  • The cheapest car insurance company in Oak for teen drivers is American Family

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

You’ll find Oak car insurance rates, the cheapest Oak, NE car insurance companies, and information on Nebraska car insurance laws. You can also compare Oak, Nebraska car insurance rates to Lincoln car insurance rates, Hastings car insurance rates, and Norfolk car insurance rates.

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

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

How do age, gender, and marital status affect Oak, NE car insurance rates? Every Oak, Nebraska 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, Nebraska

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 $2,096 $1,995 $1,861 $1,876 $5,835 $6,125 $2,358 $2,410
American Family $1,746 $1,746 $1,588 $1,588 $2,906 $4,252 $1,708 $1,844
Farmers $2,248 $2,237 $2,015 $2,119 $8,566 $8,836 $2,554 $2,684
GEICO $2,901 $2,845 $2,841 $2,734 $6,043 $7,918 $2,620 $2,535
Liberty Mutual $3,101 $3,368 $2,450 $2,983 $13,109 $14,737 $3,259 $3,611
Nationwide $1,655 $1,710 $1,483 $1,588 $3,762 $4,696 $1,900 $2,056
Progressive $1,956 $1,896 $1,606 $1,663 $7,378 $8,325 $2,346 $2,511
State Farm $1,451 $1,451 $1,272 $1,272 $3,925 $5,005 $1,602 $1,815
USAA $1,414 $1,412 $1,282 $1,324 $4,410 $5,293 $1,833 $2,049

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Minimum Car Insurance in Oak, NE

Every driver must carry the minimum car insurance in Oak, NE. Take a look at the Nebraska car insurance requirements.

Minimum Required Car Insurance Coverage in Oak, Nebraska

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

Cheapest Oak, NE Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Oak, Nebraska

Insurance Company Poor Fair Good
Allstate $3,810 $2,899 $2,499
American Family $2,907 $1,991 $1,618
Farmers $4,479 $3,711 $3,532
GEICO $4,349 $3,775 $3,290
Liberty Mutual $8,415 $5,075 $3,992
Nationwide $2,832 $2,253 $1,983
Progressive $3,981 $3,330 $3,069
State Farm $3,230 $1,938 $1,505
USAA $3,172 $2,143 $1,817

Cheapest Oak, NE 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, NE to rates for a clean record with top companies.

Annual Oak, Nebraska Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,664 $3,004 $3,630 $2,980
American Family $2,126 $2,310 $2,126 $2,126
Farmers $3,304 $4,234 $4,129 $3,961
GEICO $2,446 $3,511 $5,286 $3,975
Liberty Mutual $5,003 $5,884 $6,386 $6,036
Nationwide $1,673 $2,414 $3,442 $1,896
Progressive $2,946 $4,305 $3,291 $3,299
State Farm $2,067 $2,381 $2,224 $2,224
USAA $1,804 $2,270 $3,391 $2,044

Cheapest Oak, NE Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oak, Nebraska

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,835 $6,125
American Family $2,906 $4,252
Farmers $8,566 $8,836
GEICO $6,043 $7,918
Liberty Mutual $13,109 $14,737
Nationwide $3,762 $4,696
Progressive $7,378 $8,325
State Farm $3,925 $5,005
USAA $4,410 $5,293

Cheapest Oak, NE Car Insurance for Seniors

Take a look at Oak, NE 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, Nebraska

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,861 $1,876
American Family $1,588 $1,588
Farmers $2,015 $2,119
GEICO $2,841 $2,734
Liberty Mutual $2,450 $2,983
Nationwide $1,483 $1,588
Progressive $1,606 $1,663
State Farm $1,272 $1,272
USAA $1,282 $1,324

Cheapest Oak, NE Car Insurance Rates After a DUI

A DUI in Oak, NE increases car insurance rates. Compare Oak, Nebraska DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Oak, Nebraska

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,630
American Family $2,126
Farmers $4,129
GEICO $5,286
Liberty Mutual $6,386
Nationwide $3,442
Progressive $3,291
State Farm $2,224
USAA $3,391

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Cheapest Oak, NE Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oak, Nebraska

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,069 $3,069
American Family $2,154 $2,190
Farmers $3,907 $3,907
GEICO $3,746 $3,863
Liberty Mutual $5,827 $5,827
Nationwide $2,356 $2,356
Progressive $3,460 $3,460
State Farm $2,167 $2,281
USAA $2,349 $2,405

The Best Cheap Car Insurance Companies in Oak, NE

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

Average Annual Car Insurance Rates by Company in Oak, Nebraska

Insurance Company Average Annual Rates
Allstate $3,069
American Family $2,172
Farmers $3,907
GEICO $3,805
Liberty Mutual $5,827
Nationwide $2,356
Progressive $3,460
State Farm $2,224
USAA $2,377

Category Winners: Cheapest Car Insurance in Oak, Nebraska

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

Best Annual Car Insurance Rates by Company in Oak, Nebraska

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

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Cheapest Oak, NE Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oak, Nebraska

Insurance Company Low Medium High
Allstate $2,997 $3,064 $3,147
American Family $2,160 $2,237 $2,119
Farmers $3,757 $3,856 $4,109
GEICO $3,714 $3,801 $3,899
Liberty Mutual $5,664 $5,796 $6,022
Nationwide $2,394 $2,346 $2,329
Progressive $3,323 $3,452 $3,606
State Farm $2,137 $2,220 $2,315
USAA $2,305 $2,374 $2,453

What affects car insurance rates in Oak, Nebraska?

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

Commute Time in Oak

The more time you spend in your car the higher the risk of an accident. The average commute length in Oak, NE is 21.7 minutes according to City-Data.

Compare Car Insurance Quotes in Oak, NE

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

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