Compare Oak Ridge, NC Car Insurance Rates (2021)

Car insurance in Oak Ridge, NC averages $245 a month. Oak Ridge, North Carolina car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Oak Ridge car insurance rates, compare quotes from the top car insurance companies in Oak Ridge, NC.

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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

  • The cheapest car insurance company in Oak Ridge for teen drivers is Liberty Mutual
  • The cheapest car insurance company in Oak Ridge is Liberty Mutual
  • Average car insurance rates in Oak Ridge, NC after a DUI are $5,508/year

If you need to buy Oak Ridge, North Carolina car insurance, the options can be confusing. Everything you need to know about car insurance in Oak Ridge, NC is right here.

You’ll find Oak Ridge car insurance rates, the cheapest Oak Ridge, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Oak Ridge, North Carolina car insurance rates to High Point car insurance rates, Wilmington car insurance rates, and Cary car insurance rates.

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

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

How do age, gender, and marital status affect Oak Ridge, NC car insurance rates? Every Oak Ridge, North Carolina 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 Ridge, North Carolina

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 $4,695 $4,695 $3,851 $3,851 $11,315 $11,315 $4,787 $4,787
GEICO $2,304 $2,260 $2,273 $2,230 $4,351 $4,312 $2,008 $1,996
Liberty Mutual $1,595 $1,595 $1,650 $1,650 $2,833 $2,833 $1,595 $1,595
Nationwide $2,114 $2,114 $2,114 $2,114 $3,608 $3,608 $2,114 $2,114
Progressive $1,514 $1,514 $1,386 $1,386 $3,615 $3,615 $1,694 $1,694
State Farm $2,153 $2,153 $1,863 $1,863 $3,177 $3,177 $2,659 $2,659
Travelers $2,327 $2,327 $2,308 $2,308 $3,979 $3,979 $2,388 $2,388

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Minimum Car Insurance in Oak Ridge, NC

Every driver must carry the minimum car insurance in Oak Ridge, NC. Take a look at the North Carolina car insurance requirements.

Minimum Required Car Insurance Coverage in Oak Ridge, North Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Oak Ridge, NC Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Oak Ridge, North Carolina

Insurance Company Poor Fair Good
Allstate $8,302 $5,425 $4,759
GEICO $2,947 $2,703 $2,500
Liberty Mutual $1,918 $1,918 $1,918
Nationwide $2,488 $2,488 $2,488
Progressive $2,308 $2,003 $1,845
State Farm $3,456 $2,212 $1,720
Travelers $2,932 $2,674 $2,646

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

Annual Oak Ridge, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,341 $5,891 $10,904 $4,511
GEICO $1,515 $2,207 $5,099 $2,045
Liberty Mutual $1,147 $1,469 $3,588 $1,469
Nationwide $1,469 $1,895 $4,692 $1,895
Progressive $975 $1,418 $4,445 $1,371
State Farm $1,314 $1,899 $4,738 $1,899
Travelers $1,647 $2,146 $5,091 $2,117

Cheapest Oak Ridge, NC Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oak Ridge, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,315 $11,315
GEICO $4,351 $4,312
Liberty Mutual $2,833 $2,833
Nationwide $3,608 $3,608
Progressive $3,615 $3,615
State Farm $3,177 $3,177
Travelers $3,979 $3,979

Cheapest Oak Ridge, NC Car Insurance for Seniors

Take a look at Oak Ridge, NC 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 Ridge, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,851 $3,851
GEICO $2,273 $2,230
Liberty Mutual $1,650 $1,650
Nationwide $2,114 $2,114
Progressive $1,386 $1,386
State Farm $1,863 $1,863
Travelers $2,308 $2,308

Cheapest Oak Ridge, NC Car Insurance Rates After a DUI

A DUI in Oak Ridge, NC increases car insurance rates. Compare Oak Ridge, North Carolina DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Oak Ridge, North Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,904
GEICO $5,099
Liberty Mutual $3,588
Nationwide $4,692
Progressive $4,445
State Farm $4,738
Travelers $5,091

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Cheapest Oak Ridge, NC Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oak Ridge, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,162 $6,162
GEICO $2,717 $2,717
Liberty Mutual $1,918 $1,918
Nationwide $2,488 $2,488
Progressive $2,052 $2,052
State Farm $2,454 $2,471
Travelers $2,751 $2,751

The Best Cheap Car Insurance Companies in Oak Ridge, NC

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

Average Annual Car Insurance Rates by Company in Oak Ridge, North Carolina

Insurance Company Average Annual Rates
Allstate $6,162
GEICO $2,717
Liberty Mutual $1,918
Nationwide $2,488
Progressive $2,052
State Farm $2,463
Travelers $2,751

Category Winners: Cheapest Car Insurance in Oak Ridge, North Carolina

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

Best Annual Car Insurance Rates by Company in Oak Ridge, North Carolina

Category Insurance Company
Teenagers Liberty Mutual
Seniors Progressive
Clean Record Progressive
With 1 Accident Progressive
With 1 DUI Liberty Mutual
With 1 Speeding Violation Progressive

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Cheapest Oak Ridge, NC Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oak Ridge, North Carolina

Insurance Company Low Medium High
Allstate $5,931 $6,137 $6,418
GEICO $2,591 $2,706 $2,852
Liberty Mutual $1,824 $1,905 $2,025
Nationwide $2,383 $2,474 $2,605
Progressive $1,944 $2,039 $2,174
State Farm $2,365 $2,450 $2,574
Travelers $2,633 $2,735 $2,884

What affects car insurance rates in Oak Ridge, North Carolina?

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

Commute Time in Oak Ridge

The more time you spend in your car the higher the risk of an accident. The average commute length in Oak Ridge, NC is 25.5 minutes according to City-Data.

Compare Car Insurance Quotes in Oak Ridge, NC

Ready to find affordable Oak Ridge, North Carolina car insurance today? Enter your ZIP code for fast, free Oak Ridge, NC car insurance quotes.

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