Compare Oakland, IA Car Insurance Rates (2021)

Car insurance in Oakland, IA averages $254 a month. Oakland, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Oakland car insurance rates, compare quotes from the top car insurance companies in Oakland, IA.

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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 Oakland for teen drivers is USAA
  • The cheapest car insurance company in Oakland is USAA
  • Average car insurance rates in Oakland, IA are $3,052/year

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

You’ll find Oakland car insurance rates, the cheapest Oakland, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Oakland, Iowa car insurance rates to Cedar Rapids car insurance rates, Des Moines car insurance rates, and Ankeny car insurance rates.

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

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

How do age, gender, and marital status affect Oakland, IA car insurance rates? Every Oakland, Iowa 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, Iowa

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 $2,086 $2,005 $1,848 $1,882 $5,978 $6,727 $2,277 $2,347
American Family $2,067 $2,067 $1,846 $1,846 $5,488 $7,718 $2,067 $2,492
Farmers $1,595 $1,625 $1,428 $1,560 $4,821 $5,140 $2,159 $2,309
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,084 $2,266 $1,826 $2,219 $9,746 $10,975 $2,361 $2,606
Nationwide $2,055 $2,119 $1,823 $1,960 $4,591 $6,000 $2,311 $2,528
Progressive $2,106 $2,038 $1,735 $1,797 $4,996 $5,653 $2,538 $2,744
State Farm $1,548 $1,548 $1,354 $1,354 $4,104 $5,216 $1,739 $1,976
Travelers $2,220 $2,270 $2,133 $2,147 $9,565 $15,247 $2,303 $2,750
USAA $1,371 $1,392 $1,251 $1,285 $3,649 $3,891 $1,653 $1,832

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Minimum Car Insurance in Oakland, IA

Every driver must carry the minimum car insurance in Oakland, IA. Take a look at the Iowa car insurance requirements.

Minimum Required Car Insurance Coverage in Oakland, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Oakland, IA Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Oakland, Iowa

Insurance Company Poor Fair Good
Allstate $3,765 $2,985 $2,681
American Family $4,081 $2,998 $2,517
Farmers $2,960 $2,455 $2,325
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,082 $3,745 $2,953
Nationwide $3,566 $2,770 $2,434
Progressive $3,500 $2,812 $2,541
State Farm $3,354 $2,074 $1,636
Travelers $5,438 $4,635 $4,415
USAA $2,689 $1,840 $1,592

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

Annual Oakland, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,675 $3,238 $3,674 $2,988
American Family $2,310 $3,375 $4,393 $2,717
Farmers $2,198 $2,727 $2,768 $2,627
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,684 $4,544 $4,648 $4,165
Nationwide $2,091 $3,042 $4,183 $2,378
Progressive $2,375 $3,875 $2,575 $2,978
State Farm $2,186 $2,524 $2,355 $2,355
Travelers $3,543 $4,693 $6,259 $4,822
USAA $1,560 $2,091 $2,721 $1,791

Cheapest Oakland, IA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oakland, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,978 $6,727
American Family $5,488 $7,718
Farmers $4,821 $5,140
GEICO $4,142 $3,866
Liberty Mutual $9,746 $10,975
Nationwide $4,591 $6,000
Progressive $4,996 $5,653
State Farm $4,104 $5,216
Travelers $9,565 $15,247
USAA $3,649 $3,891

Cheapest Oakland, IA Car Insurance for Seniors

Take a look at Oakland, IA 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, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,848 $1,882
American Family $1,846 $1,846
Farmers $1,428 $1,560
GEICO $1,620 $1,483
Liberty Mutual $1,826 $2,219
Nationwide $1,823 $1,960
Progressive $1,735 $1,797
State Farm $1,354 $1,354
Travelers $2,133 $2,147
USAA $1,251 $1,285

Cheapest Oakland, IA Car Insurance Rates After a DUI

A DUI in Oakland, IA increases car insurance rates. Compare Oakland, Iowa DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Oakland, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,674
American Family $4,393
Farmers $2,768
GEICO $3,058
Liberty Mutual $4,648
Nationwide $4,183
Progressive $2,575
State Farm $2,355
Travelers $6,259
USAA $2,721

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Cheapest Oakland, IA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oakland, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,069 $3,219
American Family $3,161 $3,236
Farmers $2,580 $2,580
GEICO $2,195 $2,285
Liberty Mutual $4,260 $4,260
Nationwide $2,923 $2,923
Progressive $2,951 $2,951
State Farm $2,298 $2,411
Travelers $4,829 $4,829
USAA $1,966 $2,115

The Best Cheap Car Insurance Companies in Oakland, IA

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

Average Annual Car Insurance Rates by Company in Oakland, Iowa

Insurance Company Average Annual Rates
Allstate $3,144
American Family $3,199
Farmers $2,580
GEICO $2,240
Liberty Mutual $4,260
Nationwide $2,923
Progressive $2,951
State Farm $2,355
Travelers $4,829
USAA $2,040

Category Winners: Cheapest Car Insurance in Oakland, Iowa

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

Best Annual Car Insurance Rates by Company in Oakland, Iowa

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

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Cheapest Oakland, IA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oakland, Iowa

Insurance Company Low Medium High
Allstate $3,018 $3,147 $3,266
American Family $3,218 $3,376 $3,001
Farmers $2,470 $2,588 $2,682
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,091 $4,253 $4,437
Nationwide $3,055 $2,905 $2,810
Progressive $2,793 $2,959 $3,101
State Farm $2,247 $2,367 $2,450
Travelers $4,564 $4,901 $5,023
USAA $1,940 $2,047 $2,134

What affects car insurance rates in Oakland, Iowa?

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

Commute Time in Oakland

The more time you spend in your car the higher the risk of an accident. The average commute length in Oakland, IA is 17.6 minutes according to City-Data.

Compare Car Insurance Quotes in Oakland, IA

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

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