Compare Oakland City, IN Car Insurance Rates (2021)

Car insurance in Oakland City, IN averages $272 a month. Oakland City, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Oakland City car insurance rates, compare quotes from the top car insurance companies in Oakland City, IN.

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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 Oakland City, IN are $3,266/year
  • The cheapest car insurance company in Oakland City for teen drivers is USAA
  • The cheapest car insurance company in Oakland City is USAA

If you need to buy Oakland City, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Oakland City, IN is right here.

You’ll find Oakland City car insurance rates, the cheapest Oakland City, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Oakland City, Indiana car insurance rates to Evansville car insurance rates, Fishers car insurance rates, and Indianapolis car insurance rates.

Ready to find affordable Oakland City, IN car insurance today? Enter your ZIP code for fast, free Oakland City car insurance quotes.

Cheapest Oakland City, IN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Oakland City, IN car insurance rates? Every Oakland City, Indiana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oakland City, Indiana

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 $2,389 $2,445 $2,101 $2,297 $7,394 $9,324 $2,421 $2,633
American Family $2,133 $2,133 $1,913 $1,913 $5,738 $8,356 $2,133 $2,645
Farmers $1,648 $1,627 $1,410 $1,581 $8,765 $9,322 $2,166 $2,349
GEICO $1,578 $1,564 $1,463 $1,503 $4,612 $4,309 $1,805 $1,604
Liberty Mutual $3,825 $3,825 $3,512 $3,512 $8,430 $12,752 $3,825 $5,262
Nationwide $1,678 $1,714 $1,471 $1,570 $4,919 $6,384 $1,972 $2,156
Progressive $1,669 $1,585 $1,506 $1,520 $9,617 $10,823 $2,091 $2,140
State Farm $1,437 $1,437 $1,274 $1,274 $4,250 $5,460 $1,587 $1,762
Travelers $1,160 $1,181 $1,087 $1,087 $7,130 $11,267 $1,227 $1,421
USAA $1,119 $1,097 $1,048 $1,048 $3,204 $3,560 $1,509 $1,602

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Minimum Car Insurance in Oakland City, IN

Every driver must carry the minimum car insurance in Oakland City, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car Insurance Coverage in Oakland City, Indiana

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 Oakland City, IN Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Oakland City, Indiana

Insurance Company Poor Fair Good
Allstate $4,799 $3,577 $3,250
American Family $4,601 $2,998 $2,512
Farmers $4,215 $3,432 $3,178
GEICO $2,773 $2,305 $1,836
Liberty Mutual $7,481 $4,869 $4,504
Nationwide $3,111 $2,627 $2,461
Progressive $4,278 $3,775 $3,554
State Farm $3,366 $2,008 $1,557
Travelers $3,557 $3,015 $3,012
USAA $2,383 $1,581 $1,357

Cheapest Oakland City, IN 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 Oakland City, IN to rates for a clean record with top companies.

Annual Oakland City, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,089 $4,543 $4,192 $3,678
American Family $2,322 $3,712 $4,682 $2,765
Farmers $3,226 $3,768 $3,877 $3,563
GEICO $1,517 $2,382 $3,208 $2,111
Liberty Mutual $4,416 $5,181 $8,022 $4,853
Nationwide $2,351 $3,029 $2,905 $2,647
Progressive $2,906 $5,062 $3,467 $4,040
State Farm $2,258 $2,468 $2,258 $2,258
Travelers $2,715 $3,354 $3,799 $2,912
USAA $1,334 $1,909 $2,194 $1,656

Cheapest Oakland City, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oakland City, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,394 $9,324
American Family $5,738 $8,356
Farmers $8,765 $9,322
GEICO $4,612 $4,309
Liberty Mutual $8,430 $12,752
Nationwide $4,919 $6,384
Progressive $9,617 $10,823
State Farm $4,250 $5,460
Travelers $7,130 $11,267
USAA $3,204 $3,560

Cheapest Oakland City, IN Car Insurance for Seniors

Take a look at Oakland City, IN 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 Oakland City, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,101 $2,297
American Family $1,913 $1,913
Farmers $1,410 $1,581
GEICO $1,463 $1,503
Liberty Mutual $3,512 $3,512
Nationwide $1,471 $1,570
Progressive $1,506 $1,520
State Farm $1,274 $1,274
Travelers $1,087 $1,087
USAA $1,048 $1,048

Cheapest Oakland City, IN Car Insurance Rates After a DUI

A DUI in Oakland City, IN increases car insurance rates. Compare Oakland City, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Oakland City, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,192
American Family $4,682
Farmers $3,877
GEICO $3,208
Liberty Mutual $8,022
Nationwide $2,905
Progressive $3,467
State Farm $2,258
Travelers $3,799
USAA $2,194

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Cheapest Oakland City, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oakland City, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,875 $3,875
American Family $3,330 $3,411
Farmers $3,608 $3,608
GEICO $2,264 $2,346
Liberty Mutual $5,467 $5,769
Nationwide $2,733 $2,733
Progressive $3,869 $3,869
State Farm $2,244 $2,376
Travelers $3,195 $3,195
USAA $1,750 $1,797

The Best Cheap Car Insurance Companies in Oakland City, IN

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

Average Annual Car Insurance Rates by Company in Oakland City, Indiana

Insurance Company Average Annual Rates
Allstate $3,875
American Family $3,370
Farmers $3,608
GEICO $2,305
Liberty Mutual $5,618
Nationwide $2,733
Progressive $3,869
State Farm $2,310
Travelers $3,195
USAA $1,773

Category Winners: Cheapest Car Insurance in Oakland City, Indiana

Find the cheapest car insurance companies in Oakland City, IN for each category right here.

Best Annual Car Insurance Rates by Company in Oakland City, Indiana

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

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Cheapest Oakland City, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oakland City, Indiana

Insurance Company Low Medium High
Allstate $3,693 $3,861 $4,073
American Family $3,351 $3,483 $3,278
Farmers $3,487 $3,601 $3,737
GEICO $2,177 $2,299 $2,438
Liberty Mutual $5,428 $5,602 $5,823
Nationwide $2,770 $2,712 $2,717
Progressive $3,665 $3,811 $4,131
State Farm $2,205 $2,309 $2,416
Travelers $3,135 $3,224 $3,225
USAA $1,707 $1,769 $1,844

What affects car insurance rates in Oakland City, Indiana?

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

Commute Time in Oakland City

The more time you spend in your car the higher the risk of an accident. The average commute length in Oakland City, IN is 24.4 minutes according to City-Data.

Compare Car Insurance Quotes in Oakland City, IN

Ready to find affordable Oakland City, Indiana car insurance today? Enter your ZIP code for fast, free Oakland City, IN car insurance quotes.

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Average Monthly Car Insurance Rates by State