Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Oak Forest-Garden Oaks, Houston, TX
We monitor insurance prices, helping the average driver in Oak Forest-Garden Oaks save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in Oak Forest-Garden Oaks
The chart below shows the cheapest car insurance company in Oak Forest-Garden Oaks for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Clearcover, followed by Mile Auto, Progressive, and State Farm.
| Oak Forest-Garden Oaks Insurer | Monthly Cost |
|---|---|
| Clearcover | $51 |
| Mile Auto | $67 |
| Progressive | $68 |
| State Farm | $74 |
Savings for Every Kind of Oak Forest-Garden Oaks Driver
Based on our extensive insurance data, we know the average Oak Forest-Garden Oaks driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $404 per year by choosing the right vehicle insurance company. Some Oak Forest-Garden Oaks residents are paying out over $1,965 extra every year for auto insurance in Oak Forest-Garden Oaks. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Oak Forest-Garden Oaks, Houston, TX Savings / Yr. |
|---|---|
$404 |
|
$925 |
|
$815 |
|
$934 |
|
$1,422 |
|
$537 |
|
$587 |
Oak Forest-Garden Oaks Car Insurance vs. Houston
People living in Oak Forest-Garden Oaks pay an average of 0.55% more than the typical driver in the state. The average driver in Oak Forest-Garden Oaks can expect to pay about $1,170 per year, or $1,965 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Oak Forest-Garden Oaks for most people.
Car Insurance Prices by Oak Forest-Garden Oaks Neighborhood
Insurance Prices
Where is insurance cheapest within Oak Forest-Garden Oaks?
The map shows insurance prices in and around Oak Forest-Garden Oaks, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $354 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,153 to a low of $1,799. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Southeast parts of Oak Forest-Garden Oaks.Pick the Best Car Insurance Company for You in Oak Forest-Garden Oaks
The best car insurance provider for most drivers in Oak Forest-Garden Oaks
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $404 over the average Oak Forest-Garden Oaks car insurance company.
The best car insurance provider for Oak Forest-Garden Oaks drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $925 over the competition.
The best car insurance company for Oak Forest-Garden Oaks drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $815 better than other car insurance companies.
The best auto insurance for Oak Forest-Garden Oaks drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $934 less each year.
The least expensive car insurance company for new and young drivers in Oak Forest-Garden Oaks
In Oak Forest-Garden Oaks, State Farm costs young drivers $1,422 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Oak Forest-Garden Oaks
State Farm gave the largest car insurance discounts to married couples, averaging $537 saved each year compared to an average Oak Forest-Garden Oaks couple's premiums.
The cheapest car insurance in Oak Forest-Garden Oaks for drivers with bad credit
The best Oak Forest-Garden Oaks car insurance company for customer service
Nationwide was the best company for customer service in Oak Forest-Garden Oaks according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Oak Forest-Garden Oaks, which was better than other insurers.
The cheapest large national provider in Oak Forest-Garden Oaks
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Oak Forest-Garden Oaks driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Oak Forest-Garden Oaks, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.Auto Insurance Prices in and Around Oak Forest-Garden Oaks
What Influences the Cost of Car Insurance in Oak Forest-Garden Oaks?
On average, car insurance in Oak Forest-Garden Oaks is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Oak Forest-Garden Oaks is 32 minutes, which is a little more than average for a driver in the city.
- Texas state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Oak Forest-Garden Oaks are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Oak Forest-Garden Oaks is a fairly densely populated area in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Oak Forest-Garden Oaks is $98 per month for minimum coverage and $164 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Northside Northline: Insurance costs 10.89% more
- Independence Heights: Insurance costs 9.52% more
- Acres Home: Insurance costs 9.47% more
- Greater Inwood: Insurance costs 7.99% more
- Greater Heights: Insurance costs 2.65% less
- Fairbanks-Northwest Crossing: Insurance costs 4.33% more
- Near Northwest: Insurance costs 6.46% more
- Spring Branch: Insurance costs 0.76% more
- Rice Military: Insurance costs 3.61% less
- North: Insurance costs 6.26% more
Neighborhoods with Similar Populations
- Eagle Ford: Insurance costs 4.22% more
- Nevada-Lidgerwood: Insurance costs 24.58% less
- Mount Airy: Insurance costs 13.08% less
- Mariners Harbor: Insurance costs 57.56% more
- Hawaii Kai: Insurance costs 27.07% less
- Douglaston-Little Neck: Insurance costs 55.62% more
- Bayview: Insurance costs 21.63% more
- Reynolds Corners: Insurance costs 40.71% less
- Westerleigh-Castleton: Insurance costs 41.17% more
- North Central: Insurance costs 37.71% less