Compare Oakland, TN Car Insurance Rates (2021)

Car insurance in Oakland, TN averages $331 a month. Oakland, Tennessee car insurance requirements are 25/50/15, 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, TN.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Oakland for teen drivers is State Farm
  • The cheapest car insurance company in Oakland is State Farm
  • The cheapest ZIP code in Oakland is 38068

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

You’ll find Oakland car insurance rates, the cheapest Oakland, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Oakland, Tennessee car insurance rates to Jackson car insurance rates, Clarksville car insurance rates, and Memphis car insurance rates.

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

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

How do age, gender, and marital status affect Oakland, TN car insurance rates? Every Oakland, Tennessee 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, Tennessee

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 $3,158 $3,026 $2,861 $2,970 $12,161 $13,222 $3,348 $3,438
Farmers $1,945 $1,981 $1,752 $1,918 $7,846 $8,366 $2,626 $2,761
GEICO $2,190 $2,204 $2,011 $2,011 $6,879 $6,977 $2,238 $2,311
Liberty Mutual $4,178 $129 $3,433 $3,830 $17,209 $19,105 $4,487 $4,790
Nationwide $2,400 $2,423 $2,143 $2,183 $6,600 $8,546 $2,763 $3,013
Progressive $1,926 $1,821 $1,570 $1,638 $8,496 $9,576 $2,319 $2,526
State Farm $1,725 $1,725 $1,550 $1,550 $5,173 $6,491 $1,946 $2,250
Travelers $1,857 $1,955 $1,696 $1,806 $5,326 $6,632 $1,977 $2,081
USAA $1,632 $1,670 $1,469 $1,477 $5,691 $6,521 $2,137 $2,288

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Oakland, TN

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

Minimum Required Car Insurance Coverage in Oakland, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Oakland, TN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Oakland, TN. 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, Tennessee

Insurance Company Poor Fair Good
Allstate $7,074 $5,394 $4,101
Farmers $4,348 $3,392 $3,208
GEICO $3,800 $3,259 $2,999
Liberty Mutual $10,267 $6,273 $4,895
Nationwide $4,522 $3,582 $3,172
Progressive $4,206 $3,618 $3,378
State Farm $4,069 $2,440 $1,894
Travelers $3,704 $2,919 $2,125
USAA $4,157 $2,426 $1,999

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

Annual Oakland, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,618 $5,524 $6,664 $5,287
Farmers $3,119 $3,847 $3,948 $3,683
GEICO $2,455 $3,267 $5,233 $2,455
Liberty Mutual $5,777 $8,358 $7,778 $6,668
Nationwide $3,243 $3,243 $4,904 $3,645
Progressive $3,291 $4,263 $3,506 $3,876
State Farm $2,559 $3,043 $2,801 $2,801
Travelers $2,359 $3,038 $3,361 $2,906
USAA $2,084 $3,112 $3,665 $2,582

Cheapest Oakland, TN Car Insurance for Teen Drivers

Teen car insurance in Oakland, TN 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, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,161 $13,222
Farmers $7,846 $8,366
GEICO $6,879 $6,977
Liberty Mutual $17,209 $19,105
Nationwide $6,600 $8,546
Progressive $8,496 $9,576
State Farm $5,173 $6,491
Travelers $5,326 $6,632
USAA $5,691 $6,521

Cheapest Oakland, TN Car Insurance for Seniors

Take a look at Oakland, TN 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, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,861 $2,970
Farmers $1,752 $1,918
GEICO $2,011 $2,011
Liberty Mutual $3,433 $3,830
Nationwide $2,143 $2,183
Progressive $1,570 $1,638
State Farm $1,550 $1,550
Travelers $1,696 $1,806
USAA $1,469 $1,477

Cheapest Oakland, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Oakland, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,664
Farmers $3,948
GEICO $5,233
Liberty Mutual $7,778
Nationwide $4,904
Progressive $3,506
State Farm $2,801
Travelers $3,361
USAA $3,665

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Oakland, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oakland, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,523 $5,523
Farmers $3,649 $3,649
GEICO $3,328 $3,377
Liberty Mutual $7,145 $7,145
Nationwide $3,759 $3,759
Progressive $3,734 $3,734
State Farm $2,734 $2,869
Travelers $2,801 $3,031
USAA $2,778 $2,943

Cheapest Oakland, TN Car Insurance Rates by ZIP Code

Oakland car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Oakland, TN.

Annual Car Insurance Rates by ZIP Code in Oakland, Tennessee

ZIP Code Average Annual Rates
38060 $4,060
38068 $3,987

The Best Cheap Car Insurance Companies in Oakland, TN

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

Average Annual Car Insurance Rates by Company in Oakland, Tennessee

Insurance Company Average Annual Rates
Allstate $5,523
Farmers $3,649
GEICO $3,353
Liberty Mutual $7,145
Nationwide $3,759
Progressive $3,734
State Farm $2,801
Travelers $2,916
USAA $2,861

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Oakland, Tennessee

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

Best Annual Car Insurance Rates by Company in Oakland, Tennessee

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

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

Annual Car Insurance Rates by Coverage Level in Oakland, Tennessee

Insurance Company Low Medium High
Allstate $5,214 $5,502 $5,853
Farmers $3,431 $3,630 $3,887
GEICO $3,177 $3,347 $3,534
Liberty Mutual $6,851 $7,140 $7,444
Nationwide $3,785 $3,678 $3,813
Progressive $3,492 $3,733 $3,977
State Farm $2,641 $2,815 $2,948
Travelers $2,738 $2,914 $3,097
USAA $2,767 $2,850 $2,966

What affects car insurance rates in Oakland, Tennessee?

What factors can have an impact on Oakland, TN 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, Tennessee.

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, TN is 36.6 minutes according to City-Data.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Oakland, TN

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption