Compare Oakwood, TX Car Insurance Rates (2021)

Car insurance in Oakwood, TX averages $313 a month. Oakwood, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Oakwood car insurance rates, compare quotes from the top car insurance companies in Oakwood, TX.

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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 Oakwood, TX after a DUI are $4,255/year
  • Average car insurance rates in Oakwood, TX are $3,750/year
  • The cheapest car insurance company in Oakwood for teen drivers is USAA

If you need to buy Oakwood, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Oakwood, TX is right here.

You’ll find Oakwood car insurance rates, the cheapest Oakwood, TX car insurance companies, and information on Texas car insurance laws. You can also compare Oakwood, Texas car insurance rates to Houston car insurance rates, Arlington car insurance rates, and Fort Worth car insurance rates.

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

Cheapest Oakwood, TX Car Insurance Rates By Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oakwood, Texas

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 $3,660 $3,696 $3,618 $3,618 $9,504 $11,477 $4,517 $4,706
American Family $2,618 $2,910 $2,428 $2,778 $6,785 $8,852 $3,731 $4,240
GEICO $2,006 $2,148 $1,915 $2,138 $4,268 $4,464 $2,166 $2,180
Nationwide $2,061 $2,097 $1,823 $1,930 $5,791 $7,432 $2,415 $2,611
Progressive $2,806 $2,647 $2,496 $2,544 $11,860 $13,222 $3,310 $3,332
State Farm $2,075 $2,075 $1,839 $1,839 $4,871 $6,192 $2,249 $2,322
USAA $1,425 $1,438 $1,358 $1,353 $3,939 $4,303 $1,898 $2,045

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Minimum Car Insurance in Oakwood, TX

Every driver must carry the minimum car insurance in Oakwood, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car Insurance Coverage in Oakwood, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Oakwood, TX Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Oakwood, Texas

Insurance Company Poor Fair Good
Allstate $7,142 $5,207 $4,450
American Family $5,903 $3,731 $3,244
GEICO $4,084 $2,330 $1,568
Nationwide $3,917 $3,151 $2,742
Progressive $5,943 $5,133 $4,755
State Farm $4,158 $2,583 $2,056
USAA $3,269 $1,880 $1,511

Cheapest Oakwood, TX 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 Oakwood, TX to rates for a clean record with top companies.

Annual Oakwood, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,370 $6,701 $6,956 $4,370
American Family $3,911 $4,983 $4,366 $3,911
GEICO $2,265 $2,962 $2,508 $2,908
Nationwide $2,840 $2,840 $4,197 $3,204
Progressive $4,592 $5,968 $5,374 $5,173
State Farm $2,617 $2,987 $3,510 $2,617
USAA $1,661 $2,438 $2,875 $1,905

Cheapest Oakwood, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oakwood, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,504 $11,477
American Family $6,785 $8,852
GEICO $4,268 $4,464
Nationwide $5,791 $7,432
Progressive $11,860 $13,222
State Farm $4,871 $6,192
USAA $3,939 $4,303

Cheapest Oakwood, TX Car Insurance for Seniors

Take a look at Oakwood, TX 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 Oakwood, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,618 $3,618
American Family $2,428 $2,778
GEICO $1,915 $2,138
Nationwide $1,823 $1,930
Progressive $2,496 $2,544
State Farm $1,839 $1,839
USAA $1,358 $1,353

Cheapest Oakwood, TX Car Insurance Rates After a DUI

A DUI in Oakwood, TX increases car insurance rates. Compare Oakwood, Texas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Oakwood, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,956
American Family $4,366
GEICO $2,508
Nationwide $4,197
Progressive $5,374
State Farm $3,510
USAA $2,875

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Cheapest Oakwood, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oakwood, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,466 $5,733
American Family $4,293 $4,293
GEICO $2,611 $2,711
Nationwide $3,270 $3,270
Progressive $5,277 $5,277
State Farm $2,932 $2,932
USAA $2,192 $2,248

The Best Cheap Car Insurance Companies in Oakwood, TX

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

Average Annual Car Insurance Rates by Company in Oakwood, Texas

Insurance Company Average Annual Rates
Allstate $5,600
American Family $4,293
GEICO $2,661
Nationwide $3,270
Progressive $5,277
State Farm $2,932
USAA $2,220

Category Winners: Cheapest Car Insurance in Oakwood, Texas

Find the cheapest car insurance companies in Oakwood, TX for each category right here.

Best Annual Car Insurance Rates by Company in Oakwood, Texas

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

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Cheapest Oakwood, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oakwood, Texas

Insurance Company Low Medium High
Allstate $5,449 $5,543 $5,807
American Family $4,010 $4,140 $4,728
GEICO $2,541 $2,633 $2,808
Nationwide $3,539 $3,131 $3,140
Progressive $4,960 $5,247 $5,624
State Farm $2,791 $2,923 $3,083
USAA $2,151 $2,212 $2,296

What affects car insurance rates in Oakwood, Texas?

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

Commute Time in Oakwood

The more time you spend in your car the higher the risk of an accident. The average commute length in Oakwood, TX is 30.2 minutes according to City-Data.

Compare Car Insurance Quotes in Oakwood, TX

Ready to find affordable Oakwood, Texas car insurance today? Enter your ZIP code for fast, free Oakwood, TX car insurance quotes.

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