Compare Oakfield, NY Car Insurance Rates (2021)

Car insurance in Oakfield, NY averages $264 a month. Oakfield, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Oakfield car insurance rates, compare quotes from the top car insurance companies in Oakfield, NY.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Oakfield is GEICO
  • The cheapest car insurance company in Oakfield for teen drivers is GEICO
  • Average car insurance rates in Oakfield, NY are $3,173/year

If you need to buy Oakfield, New York car insurance, the options can be confusing. Everything you need to know about car insurance in Oakfield, NY is right here.

You’ll find Oakfield car insurance rates, the cheapest Oakfield, NY car insurance companies, and information on New York car insurance laws. You can also compare Oakfield, New York car insurance rates to Utica car insurance rates, Rochester car insurance rates, and Mount Vernon car insurance rates.

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

Cheapest Oakfield, NY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Oakfield, NY car insurance rates? Every Oakfield, New York car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oakfield, New York

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 $2,480 $2,300 $2,310 $2,318 $6,807 $7,248 $2,413 $2,399
GEICO $1,365 $1,314 $1,327 $1,307 $2,837 $4,125 $1,232 $1,263
Liberty Mutual $3,225 $3,225 $3,003 $3,003 $6,212 $10,081 $3,225 $3,432
Nationwide $2,197 $2,197 $2,075 $2,075 $3,830 $5,702 $2,197 $2,790
Progressive $1,701 $1,598 $1,372 $1,391 $5,688 $6,338 $2,193 $2,140
State Farm $2,270 $2,270 $1,976 $1,976 $6,592 $8,511 $2,490 $2,627
Travelers $2,559 $2,562 $2,343 $2,496 $5,986 $7,157 $2,701 $2,792
USAA $1,442 $1,419 $1,306 $1,310 $5,683 $6,773 $1,844 $2,037

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Minimum Car Insurance in Oakfield, NY

Every driver must carry the minimum car insurance in Oakfield, NY. Take a look at the New York car insurance requirements.

Minimum Required Car Insurance Coverage in Oakfield, New York

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 Oakfield, NY Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Oakfield, New York

Insurance Company Poor Fair Good
Allstate $5,074 $2,967 $2,562
GEICO $2,313 $1,701 $1,526
Liberty Mutual $6,178 $4,053 $3,046
Nationwide $2,883 $2,883 $2,883
Progressive $4,430 $2,295 $1,682
State Farm $5,068 $3,177 $2,521
Travelers $4,967 $3,089 $2,667
USAA $4,201 $2,113 $1,867

Cheapest Oakfield, NY 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 Oakfield, NY to rates for a clean record with top companies.

Annual Oakfield, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,037 $3,037 $4,307 $3,757
GEICO $1,459 $1,589 $2,879 $1,459
Liberty Mutual $3,575 $3,575 $6,979 $3,575
Nationwide $2,204 $2,204 $4,869 $2,254
Progressive $2,727 $2,727 $3,012 $2,743
State Farm $3,422 $3,422 $3,755 $3,755
Travelers $3,048 $3,821 $3,873 $3,556
USAA $2,429 $2,468 $3,542 $2,468

Cheapest Oakfield, NY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oakfield, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,807 $7,248
GEICO $2,837 $4,125
Liberty Mutual $6,212 $10,081
Nationwide $3,830 $5,702
Progressive $5,688 $6,338
State Farm $6,592 $8,511
Travelers $5,986 $7,157
USAA $5,683 $6,773

Cheapest Oakfield, NY Car Insurance for Seniors

Take a look at Oakfield, NY 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 Oakfield, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,310 $2,318
GEICO $1,327 $1,307
Liberty Mutual $3,003 $3,003
Nationwide $2,075 $2,075
Progressive $1,372 $1,391
State Farm $1,976 $1,976
Travelers $2,343 $2,496
USAA $1,306 $1,310

Cheapest Oakfield, NY Car Insurance Rates After a DUI

A DUI in Oakfield, NY increases car insurance rates. Compare Oakfield, New York DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Oakfield, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,307
GEICO $2,879
Liberty Mutual $6,979
Nationwide $4,869
Progressive $3,012
State Farm $3,755
Travelers $3,873
USAA $3,542

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Cheapest Oakfield, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oakfield, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,487 $3,582
GEICO $1,793 $1,900
Liberty Mutual $4,302 $4,549
Nationwide $2,883 $2,883
Progressive $2,803 $2,803
State Farm $3,461 $3,717
Travelers $3,575 $3,575
USAA $2,699 $2,754

The Best Cheap Car Insurance Companies in Oakfield, NY

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

Average Annual Car Insurance Rates by Company in Oakfield, New York

Insurance Company Average Annual Rates
Allstate $3,534
GEICO $1,846
Liberty Mutual $4,426
Nationwide $2,883
Progressive $2,803
State Farm $3,589
Travelers $3,575
USAA $2,727

Category Winners: Cheapest Car Insurance in Oakfield, New York

Find the cheapest car insurance companies in Oakfield, NY for each category right here.

Best Annual Car Insurance Rates by Company in Oakfield, New York

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

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Cheapest Oakfield, NY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oakfield, New York

Insurance Company Low Medium High
Allstate $3,367 $3,524 $3,712
GEICO $1,741 $1,839 $1,959
Liberty Mutual $4,235 $4,411 $4,631
Nationwide $2,726 $2,861 $3,062
Progressive $2,667 $2,789 $2,951
State Farm $3,400 $3,610 $3,756
Travelers $3,352 $3,528 $3,844
USAA $2,650 $2,714 $2,817

What affects car insurance rates in Oakfield, New York?

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

Commute Time in Oakfield

The more time you spend in your car the higher the risk of an accident. The average commute length in Oakfield, NY is 21.6 minutes according to City-Data.

Compare Car Insurance Quotes in Oakfield, NY

Ready to find affordable Oakfield, New York car insurance today? Enter your ZIP code for fast, free Oakfield, NY car insurance quotes.

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