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Get Cheap Car Insurance in Oak Forest, IL
We monitor insurance prices, helping the average driver in Oak Forest save up to 28.8% on car insurance.
The Cheapest Minimum Coverage in Oak Forest
The chart below shows the cheapest car insurance company in Oak Forest 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 State Farm, followed by Country Financial, Metromile, and American Family Insurance.
| Oak Forest Insurer | Monthly Cost |
|---|---|
| State Farm | $55 |
| Country Financial | $59 |
| Metromile | $65 |
| American Family Insurance | $69 |
Savings for Every Kind of Oak Forest Driver
Based on our extensive insurance data, we know the average Oak Forest driver will save about 23% 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 $380 per year by choosing the right vehicle insurance company. Some Oak Forest residents are paying out over $1,628 extra every year for auto insurance in Oak Forest. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Oak Forest, IL Savings / Yr. |
|---|---|
$380 |
|
$716 |
|
$572 |
|
$600 |
|
$1,478 |
|
$426 |
|
$546 |
Oak Forest Car Insurance vs. Illinois
People living in Oak Forest pay an average of 7.76% more than the typical driver in the state. The average driver in Oak Forest can expect to pay about $967 per year, or $1,628 for full coverage.
Based on our analysis, Lighthouse will be the cheapest provider in Oak Forest for most people.
Car Insurance Prices by Oak Forest Neighborhood
Insurance Prices
Where is insurance cheapest within Oak Forest?
The map shows insurance prices in and around Oak Forest, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $372 per year within the city boundaries, with insurance premiums ranging from a high of $1,884 to a low of $1,512. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northwest parts of Oak Forest.Pick the Best Car Insurance Company for You in Oak Forest
The best car insurance provider for most drivers in Oak Forest
For drivers with clean driving records and no major strikes, Lighthouse is the best option, with annual savings of $380 over the average Oak Forest car insurance company.
The best car insurance provider for Oak Forest 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 $716 over the competition.
The best car insurance company for Oak Forest drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $572 better than other car insurance companies.
The best auto insurance for Oak Forest drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $600 less each year.
The least expensive car insurance company for new and young drivers in Oak Forest
In Oak Forest, State Farm costs young drivers $1,478 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Oak Forest
State Farm gave the largest car insurance discounts to married couples, averaging $426 saved each year compared to an average Oak Forest couple's premiums.
The cheapest car insurance in Oak Forest for drivers with bad credit
The best Oak Forest car insurance company for customer service
Nationwide was the best company for customer service in Oak Forest according to the NAIC.
Recent price drops
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The cheapest large national provider in Oak Forest
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Oak Forest driver can expect to pay about $98 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, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, young drivers, drivers with bad credit, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Oak Forest
What Influences the Cost of Car Insurance in Oak Forest?
On average, car insurance in Oak Forest 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 city are influenced by the following factors:
- The average commute time in Oak Forest is 40 minutes, which is far more than average for a driver in the state.
- Illinois state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Oak Forest are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Oak Forest is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Oak Forest is $81 per month for minimum coverage and $136 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 Cities
- Midlothian: Insurance costs 3.19% more
- Crestwood: Insurance costs 1.90% less
- Robbins: Insurance costs 21.81% more
- Tinley Park: Insurance costs 2.21% less
- Markham: Insurance costs 19.10% more
- Country Club Hills: Insurance costs 19.23% more
- Posen: Insurance costs 11.18% more
- Hazel Crest: Insurance costs 20.64% more
- Palos Heights: Insurance costs 2.15% less
- Orland Hills: Insurance costs 1.72% less
Cities with Similar Populations
- Westmont: Insurance costs 0.98% less
- Bristol: Insurance costs 27.58% less
- Burlington: Insurance costs 0.06% less
- Camp Hill: Insurance costs 20.95% less
- Candler: Insurance costs 27.09% less
- Carbondale: Insurance costs 7.56% less
- Cave Spring: Insurance costs 27.21% less
- Centereach: Insurance costs 62.04% more
- Chaska: Insurance costs 1.23% less
- Walker: Insurance costs 67.14% more