Compare Oakland, NJ Car Insurance Rates (2021)

Car insurance in Oakland, NJ averages $420 a month. Oakland, New Jersey car insurance requirements are 15/30/5, 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, NJ.

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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 Oakland for teen drivers is GEICO
  • The cheapest car insurance company in Oakland is GEICO
  • Average car insurance rates in Oakland, NJ are $5,040/year

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

You’ll find Oakland car insurance rates, the cheapest Oakland, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Oakland, New Jersey car insurance rates to Jersey City car insurance rates, Paterson car insurance rates, and Bayonne car insurance rates.

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

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

How do age, gender, and marital status affect Oakland, NJ car insurance rates? Every Oakland, New Jersey 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, New Jersey

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 $3,076 $3,060 $2,972 $2,972 $9,739 $12,084 $3,598 $3,748
Farmers $4,232 $4,270 $4,110 $4,030 $12,414 $14,276 $5,031 $5,162
GEICO $2,072 $2,036 $2,023 $2,023 $3,780 $3,827 $2,380 $2,344
Liberty Mutual $4,053 $4,053 $4,449 $4,449 $10,533 $11,961 $4,449 $5,113
Progressive $1,828 $1,696 $1,652 $1,695 $8,209 $9,071 $2,159 $2,079
State Farm $3,851 $3,851 $3,483 $3,483 $12,537 $16,096 $4,385 $4,899
Travelers $3,502 $3,384 $3,246 $3,267 $7,910 $8,911 $3,389 $3,347

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Minimum Car Insurance in Oakland, NJ

Every driver must carry the minimum car insurance in Oakland, NJ. Take a look at the New Jersey car insurance requirements.

Minimum Required Car Insurance Coverage in Oakland, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Oakland, NJ Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Oakland, NJ. 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, New Jersey

Insurance Company Poor Fair Good
Allstate $7,134 $4,654 $3,680
Farmers $7,931 $6,244 $5,896
GEICO $3,849 $2,221 $1,613
Liberty Mutual $7,764 $5,764 $4,870
Progressive $3,964 $3,470 $3,212
State Farm $9,501 $5,739 $4,480
Travelers $6,234 $4,544 $3,081

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

Annual Oakland, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,867 $6,423 $5,630 $4,704
Farmers $5,180 $8,795 $7,150 $5,638
GEICO $1,996 $2,618 $3,632 $1,996
Liberty Mutual $5,891 $6,734 $6,014 $5,891
Progressive $3,063 $4,080 $3,489 $3,562
State Farm $3,582 $6,503 $10,444 $5,764
Travelers $3,542 $5,290 $5,109 $4,538

Cheapest Oakland, NJ Car Insurance for Teen Drivers

Teen car insurance in Oakland, NJ 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, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,739 $12,084
Farmers $12,414 $14,276
GEICO $3,780 $3,827
Liberty Mutual $10,533 $11,961
Progressive $8,209 $9,071
State Farm $12,537 $16,096
Travelers $7,910 $8,911

Cheapest Oakland, NJ Car Insurance for Seniors

Take a look at Oakland, NJ 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, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,972 $2,972
Farmers $4,110 $4,030
GEICO $2,023 $2,023
Liberty Mutual $4,449 $4,449
Progressive $1,652 $1,695
State Farm $3,483 $3,483
Travelers $3,246 $3,267

Cheapest Oakland, NJ Car Insurance Rates After a DUI

A DUI in Oakland, NJ increases car insurance rates. Compare Oakland, New Jersey DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Oakland, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,630
Farmers $7,150
GEICO $3,632
Liberty Mutual $6,014
Progressive $3,489
State Farm $10,444
Travelers $5,109

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Cheapest Oakland, NJ Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oakland, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,146 $5,166
Farmers $6,691 $6,691
GEICO $2,540 $2,582
Liberty Mutual $6,073 $6,192
Progressive $3,549 $3,549
State Farm $6,407 $6,739
Travelers $4,620 $4,620

The Best Cheap Car Insurance Companies in Oakland, NJ

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

Average Annual Car Insurance Rates by Company in Oakland, New Jersey

Insurance Company Average Annual Rates
Allstate $5,156
Farmers $6,691
GEICO $2,561
Liberty Mutual $6,132
Progressive $3,549
State Farm $6,573
Travelers $4,620

Category Winners: Cheapest Car Insurance in Oakland, New Jersey

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

Best Annual Car Insurance Rates by Company in Oakland, New Jersey

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

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

Annual Car Insurance Rates by Coverage Level in Oakland, New Jersey

Insurance Company Low Medium High
Allstate $4,780 $5,228 $5,460
Farmers $6,055 $6,666 $7,352
GEICO $2,299 $2,612 $2,772
Liberty Mutual $5,487 $6,317 $6,593
Progressive $3,228 $3,604 $3,814
State Farm $6,135 $6,655 $6,930
Travelers $4,212 $4,619 $5,028

What affects car insurance rates in Oakland, New Jersey?

What factors can have an impact on Oakland, NJ 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, New Jersey.

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, NJ is 32.6 minutes according to City-Data.

Compare Car Insurance Quotes in Oakland, NJ

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

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