Compare Oakland, KY Car Insurance Rates (2021)

Car insurance in Oakland, KY averages $325 a month. Oakland, Kentucky car insurance requirements are 25/50/25, 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, KY.

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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 is State Farm
  • Average car insurance rates in Oakland, KY after a DUI are $4,706/year
  • Average car insurance rates in Oakland, KY are $3,901/year

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

You’ll find Oakland car insurance rates, the cheapest Oakland, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Oakland, Kentucky car insurance rates to Frankfort car insurance rates, Independence car insurance rates, and Florence car insurance rates.

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

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

How do age, gender, and marital status affect Oakland, KY car insurance rates? Every Oakland, Kentucky 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, Kentucky

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 $3,025 $2,991 $2,738 $2,918 $11,271 $12,708 $3,343 $3,529
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,256 $2,439 $1,928 $2,147 $9,242 $10,207 $2,355 $2,443
Nationwide $2,859 $2,851 $2,591 $2,696 $6,391 $7,916 $3,240 $3,385
Progressive $1,839 $1,742 $1,662 $1,664 $9,151 $10,354 $2,276 $2,315
State Farm $1,489 $1,489 $1,328 $1,328 $4,338 $5,518 $1,661 $1,841
Travelers $2,010 $2,047 $1,966 $1,974 $9,467 $15,226 $2,095 $2,421
USAA $1,817 $1,817 $1,642 $1,666 $4,879 $5,132 $2,290 $2,504

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Minimum Car Insurance in Oakland, KY

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

Minimum Required Car Insurance Coverage in Oakland, Kentucky

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, KY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Oakland, KY. 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, Kentucky

Insurance Company Poor Fair Good
Allstate $7,019 $4,867 $4,059
GEICO $6,836 $3,413 $2,224
Liberty Mutual $5,879 $3,630 $2,872
Nationwide $4,839 $3,817 $3,317
Progressive $4,310 $3,781 $3,534
State Farm $3,432 $2,073 $1,618
Travelers $5,184 $4,392 $4,375
USAA $4,037 $2,268 $1,850

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

Annual Oakland, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,405 $5,748 $6,137 $4,971
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $3,448 $5,282 $4,116 $3,662
Nationwide $3,188 $4,103 $5,170 $3,503
Progressive $3,205 $4,758 $3,651 $3,887
State Farm $2,176 $2,572 $2,374 $2,374
Travelers $4,064 $4,180 $6,008 $4,350
USAA $2,049 $2,895 $3,463 $2,467

Cheapest Oakland, KY Car Insurance for Teen Drivers

Teen car insurance in Oakland, KY 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, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,271 $12,708
GEICO $6,851 $8,131
Liberty Mutual $9,242 $10,207
Nationwide $6,391 $7,916
Progressive $9,151 $10,354
State Farm $4,338 $5,518
Travelers $9,467 $15,226
USAA $4,879 $5,132

Cheapest Oakland, KY Car Insurance for Seniors

Take a look at Oakland, KY 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, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,738 $2,918
GEICO $3,510 $3,179
Liberty Mutual $1,928 $2,147
Nationwide $2,591 $2,696
Progressive $1,662 $1,664
State Farm $1,328 $1,328
Travelers $1,966 $1,974
USAA $1,642 $1,666

Cheapest Oakland, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Oakland, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,137
GEICO $6,731
Liberty Mutual $4,116
Nationwide $5,170
Progressive $3,651
State Farm $2,374
Travelers $6,008
USAA $3,463

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Cheapest Oakland, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oakland, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,315 $5,315
GEICO $4,119 $4,197
Liberty Mutual $4,127 $4,127
Nationwide $3,991 $3,991
Progressive $3,875 $3,875
State Farm $2,314 $2,434
Travelers $4,651 $4,651
USAA $2,618 $2,819

The Best Cheap Car Insurance Companies in Oakland, KY

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

Average Annual Car Insurance Rates by Company in Oakland, Kentucky

Insurance Company Average Annual Rates
Allstate $5,315
GEICO $4,158
Liberty Mutual $4,127
Nationwide $3,991
Progressive $3,875
State Farm $2,374
Travelers $4,651
USAA $2,718

Category Winners: Cheapest Car Insurance in Oakland, Kentucky

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

Best Annual Car Insurance Rates by Company in Oakland, Kentucky

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

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Cheapest Oakland, KY 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, KY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Oakland, Kentucky

Insurance Company Low Medium High
Allstate $4,984 $5,296 $5,665
GEICO $3,895 $4,144 $4,435
Liberty Mutual $3,940 $4,102 $4,340
Nationwide $4,029 $3,950 $3,995
Progressive $3,538 $3,820 $4,268
State Farm $2,220 $2,373 $2,530
Travelers $4,404 $4,671 $4,876
USAA $2,592 $2,712 $2,851

What affects car insurance rates in Oakland, Kentucky?

What factors can have an impact on Oakland, KY 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, Kentucky.

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, KY is 23.1 minutes according to City-Data.

Compare Car Insurance Quotes in Oakland, KY

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

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