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Get Cheap Car Insurance in Oak Grove, CO

We monitor insurance prices, helping the average driver in Oak Grove save up to 30.1% on car insurance.

 

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The Cheapest Minimum Coverage in Oak Grove

The chart below shows the cheapest car insurance company in Oak Grove 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 Bristol West, Safeco Insurance, and Geico.

 
Oak Grove Insurer Monthly Cost
State Farm $58
Bristol West $69
Safeco Insurance $70
Geico $72

Savings for Every Kind of Oak Grove Driver

The table shows how much the average auto insurance customer in Oak Grove might save by following our recommendations.

Based on our extensive insurance data, we know the average Oak Grove 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 $367 per year by choosing the right vehicle insurance company. Some Oak Grove residents are paying out over $1,712 extra every year for auto insurance in Oak Grove. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Oak Grove, CO Savings / Yr.
Drivers with good records
$367
Drivers with accidents
$654
Drivers with speeding tickets
$526
Drivers with a DUI conviction
$562
Young drivers
$1,665
Married drivers
$441
Drivers with bad credit
$646

Oak Grove Car Insurance vs. Colorado

People living in Oak Grove pay an average of 9.43% less than the typical driver in the state. The average driver in Oak Grove can expect to pay about $1,000 per year, or $1,712 for full coverage.

Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Oak Grove for most people.

Car Insurance Prices by Oak Grove Neighborhood

Oak Grove, CO map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Oak Grove?

The map shows insurance prices in and around Oak Grove, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $20 per year within the city boundaries, with insurance premiums ranging from a high of $1,716 to a low of $1,696. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Northwest parts of Oak Grove.

Pick the Best Car Insurance Company for You in Oak Grove

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Oak Grove insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Oak Grove

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $367 over the average Oak Grove car insurance company.

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We use the average good driver, paying $112 per month, as our baseline for pricing in Oak Grove. Geico, Travelers, and Auto-Owners Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Oak Grove drivers with accidents on their records

In Oak Grove getting into an accident will raise premiums an average 34% for a yearly cost of $2,581. That's $869 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Bristol West are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $654 over the competition.

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The best car insurance company for Oak Grove drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $526 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Oak Grove, tickets raise premiums on new quotes about $585. If you have a speeding ticket, we recommend State Farm, Geico, and Bristol West for savings that beat the average insurance cost of $2,297 per year.

The best auto insurance for Oak Grove drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,696 per year in auto insurance premiums, which was $985 more than a driver with no major issues. State Farm, Travelers, and Bristol West penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $562 less each year.

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The least expensive car insurance company for new and young drivers in Oak Grove

In Oak Grove, State Farm costs young drivers $1,665 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 69% more for insurance than more mature drivers in Oak Grove. With an average cost of $5,538 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and American Family Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Oak Grove

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $110. State Farm, Geico, and Progressive provided the largest discounts to couples living in Oak Grove.

State Farm gave the largest car insurance discounts to married couples, averaging $441 saved each year compared to an average Oak Grove couple's premiums.

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The cheapest car insurance in Oak Grove for drivers with bad credit

People with poor credit saved an average of $646 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $976 every year. Premiums for people with poor credit were about $2,688 in Oak Grove. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Bristol West.

The best Oak Grove car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Oak Grove, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Oak Grove.

Nationwide was the best company for customer service in Oak Grove according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Oak Grove, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Oak Grove. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Oak Grove

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 24% of Oak Grove residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Oak Grove driver can expect to pay about $128 per month.

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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 Grove, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, married couples, young drivers, good drivers, drivers with bad credit, and drivers with accidents.
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Auto Insurance Prices in and Around Oak Grove

What Influences the Cost of Car Insurance in Oak Grove?

On average, car insurance in Oak Grove is actually less expensive than the rest of the state. These low 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 Grove is 28 minutes, which is a little less than average for a driver in the state.
  • Colorado 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 Grove are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Oak Grove has an average population density in the state. The city’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 Grove is $83 per month for minimum coverage and $143 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

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* Who is the average Oak Grove driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Oak Grove with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.