Compare Oakley, MI Car Insurance Rates (2021)

Car insurance in Oakley, MI averages $773 a month. Oakley, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Oakley car insurance rates, compare quotes from the top car insurance companies in Oakley, MI.

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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 Oakley, MI are $9,276/year
  • The cheapest car insurance company in Oakley for teen drivers is USAA
  • Average car insurance rates in Oakley, MI after a DUI are $15,436/year

If you need to buy Oakley, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Oakley, MI is right here.

You’ll find Oakley car insurance rates, the cheapest Oakley, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Oakley, Michigan car insurance rates to Detroit car insurance rates, Sterling Heights car insurance rates, and Dearborn car insurance rates.

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

Cheapest Oakley, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Oakley, MI car insurance rates? Every Oakley, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oakley, Michigan

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 $14,925 $14,925 $13,827 $13,827 $37,604 $37,604 $15,735 $15,735
Farmers $4,402 $4,402 $4,119 $4,119 $9,353 $9,353 $4,936 $4,936
GEICO $3,897 $3,897 $3,975 $3,975 $10,706 $10,706 $3,721 $3,721
Liberty Mutual $12,294 $12,294 $12,175 $12,175 $28,516 $28,516 $12,294 $12,294
Nationwide $4,005 $4,005 $3,584 $3,584 $9,927 $9,927 $4,357 $4,357
Progressive $3,200 $2,944 $2,821 $3,193 $11,322 $11,887 $3,708 $3,348
State Farm $7,637 $7,637 $7,099 $7,099 $26,953 $26,953 $8,970 $8,970
Travelers $5,615 $5,615 $4,820 $4,820 $16,936 $16,936 $6,099 $6,099
USAA $2,571 $2,450 $2,416 $2,289 $6,400 $6,131 $3,156 $3,049

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Minimum Car Insurance in Oakley, MI

Every driver must carry the minimum car insurance in Oakley, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Oakley, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Oakley, MI Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Oakley, Michigan

Insurance Company Poor Fair Good
Allstate $31,093 $17,230 $13,244
Farmers $7,633 $4,935 $4,539
GEICO $7,166 $5,270 $4,289
Liberty Mutual $25,786 $14,914 $8,258
Nationwide $6,889 $5,147 $4,369
Progressive $6,159 $5,148 $4,602
State Farm $20,557 $10,390 $7,048
Travelers $8,575 $8,316 $8,211
USAA $5,322 $3,032 $2,319

Cheapest Oakley, MI 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 Oakley, MI to rates for a clean record with top companies.

Annual Oakley, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,013 $13,342 $44,728 $14,007
Farmers $4,801 $6,094 $6,030 $5,885
GEICO $1,970 $4,152 $12,549 $3,628
Liberty Mutual $11,174 $13,680 $25,963 $14,461
Nationwide $4,672 $6,251 $5,684 $5,267
Progressive $4,471 $5,915 $5,321 $5,506
State Farm $8,022 $9,637 $20,942 $12,059
Travelers $5,663 $8,086 $13,026 $6,695
USAA $2,861 $3,568 $4,682 $3,120

Cheapest Oakley, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oakley, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $37,604 $37,604
Farmers $9,353 $9,353
GEICO $10,706 $10,706
Liberty Mutual $28,516 $28,516
Nationwide $9,927 $9,927
Progressive $11,322 $11,887
State Farm $26,953 $26,953
Travelers $16,936 $16,936
USAA $6,400 $6,131

Cheapest Oakley, MI Car Insurance for Seniors

Take a look at Oakley, MI 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 Oakley, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,827 $13,827
Farmers $4,119 $4,119
GEICO $3,975 $3,975
Liberty Mutual $12,175 $12,175
Nationwide $3,584 $3,584
Progressive $2,821 $3,193
State Farm $7,099 $7,099
Travelers $4,820 $4,820
USAA $2,416 $2,289

Cheapest Oakley, MI Car Insurance Rates After a DUI

A DUI in Oakley, MI increases car insurance rates. Compare Oakley, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Oakley, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $44,728
Farmers $6,030
GEICO $12,549
Liberty Mutual $25,963
Nationwide $5,684
Progressive $5,321
State Farm $20,942
Travelers $13,026
USAA $4,682

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Cheapest Oakley, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oakley, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $20,522 $20,522
Farmers $5,702 $5,702
GEICO $5,448 $5,702
Liberty Mutual $15,768 $16,871
Nationwide $5,468 $5,468
Progressive $5,303 $5,303
State Farm $12,319 $13,011
Travelers $8,320 $8,416
USAA $3,518 $3,598

The Best Cheap Car Insurance Companies in Oakley, MI

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

Average Annual Car Insurance Rates by Company in Oakley, Michigan

Insurance Company Average Annual Rates
Allstate $20,522
Farmers $5,702
GEICO $5,575
Liberty Mutual $16,320
Nationwide $5,468
Progressive $5,303
State Farm $12,665
Travelers $8,368
USAA $3,558

Category Winners: Cheapest Car Insurance in Oakley, Michigan

Find the cheapest car insurance companies in Oakley, MI for each category right here.

Best Annual Car Insurance Rates by Company in Oakley, Michigan

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

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Cheapest Oakley, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oakley, Michigan

Insurance Company Low Medium High
Allstate $20,012 $20,568 $20,988
Farmers $5,580 $5,692 $5,835
GEICO $5,238 $5,529 $5,957
Liberty Mutual $15,937 $16,282 $16,741
Nationwide $5,754 $5,370 $5,282
Progressive $5,149 $5,308 $5,452
State Farm $12,006 $12,746 $13,242
Travelers $8,281 $8,376 $8,446
USAA $3,448 $3,567 $3,658

What affects car insurance rates in Oakley, Michigan?

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

Commute Time in Oakley

The more time you spend in your car the higher the risk of an accident. The average commute length in Oakley, MI is 34.1 minutes according to City-Data.

Compare Car Insurance Quotes in Oakley, MI

Ready to find affordable Oakley, Michigan car insurance today? Enter your ZIP code for fast, free Oakley, MI car insurance quotes.

Free Car Insurance Comparison

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

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