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Get Cheap Car Insurance in Oak Hill, NC
We monitor insurance prices, helping the average driver in Oak Hill save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Oak Hill
The chart below shows the cheapest car insurance company in Oak Hill 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 Midvale Home & Auto, followed by Erie Insurance, Farm Bureau, and Progressive.
| Oak Hill Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $47 |
| Erie Insurance | $48 |
| Farm Bureau | $50 |
| Progressive | $53 |
Savings for Every Kind of Oak Hill Driver
Based on our extensive insurance data, we know the average Oak Hill driver will save about 19% 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 $238 per year by choosing the right vehicle insurance company. Some Oak Hill residents are paying out over $1,239 extra every year for auto insurance in Oak Hill. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Oak Hill, NC Savings / Yr. |
|---|---|
$238 |
|
$517 |
|
$377 |
|
$961 |
|
$713 |
|
$287 |
|
$431 |
Oak Hill Car Insurance vs. North Carolina
People living in Oak Hill pay an average of 0.92% less than the typical driver in the state. The average driver in Oak Hill can expect to pay about $742 per year, or $1,239 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Oak Hill for most people.
Car Insurance Prices by Oak Hill Neighborhood
Insurance Prices
Where is insurance cheapest within Oak Hill?
The map shows insurance prices in and around Oak Hill, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $63 per year within the city boundaries, with insurance premiums ranging from a high of $1,258 to a low of $1,195. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast parts of Oak Hill.Pick the Best Car Insurance Company for You in Oak Hill
The best car insurance provider for most drivers in Oak Hill
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $238 over the average Oak Hill car insurance company.
The best car insurance provider for Oak Hill drivers with accidents on their records
In our analysis, Erie Insurance saved the average person who had been in an accident the most, with annual savings averaging $517 over the competition.
The best car insurance company for Oak Hill drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $377 better than other car insurance companies.
The best auto insurance for Oak Hill drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $961 less each year.
The least expensive car insurance company for new and young drivers in Oak Hill
In Oak Hill, State Farm costs young drivers $713 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Oak Hill
Erie Insurance gave the largest car insurance discounts to married couples, averaging $287 saved each year compared to an average Oak Hill couple's premiums.
The cheapest car insurance in Oak Hill for drivers with bad credit
The best Oak Hill car insurance company for customer service
Recent price drops
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The cheapest large national provider in Oak Hill
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Oak Hill driver can expect to pay about $87 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 Hill, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Oak Hill
What Influences the Cost of Car Insurance in Oak Hill?
On average, car insurance in Oak Hill 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 Hill is 32 minutes, which is about the national average for a driver in the state.
- North Carolina 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 Hill 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 B according to CrimeGrade.org.
- Oak Hill is a lightly populated area 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 Hill is $62 per month for minimum coverage and $103 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
- Chesterfield: Insurance costs 1.53% less
- Morganton: Insurance costs 1.61% less
- Glen Alpine: Insurance costs 2.99% less
- Drexel: Insurance costs 5.65% less
- Gamewell: Insurance costs 0.73% less
- Valdese: Insurance costs 3.31% less
- Cajahs Mountain: Insurance costs 1.94% less
- Collettsville: Insurance costs 1.13% less
- Jonas Ridge: Insurance costs 3.31% less
- Lenoir: Insurance costs 0.32% more
Cities with Similar Populations
- Arena: Insurance costs 7.43% less
- Atkins: Insurance costs 4.84% less
- Bethany: Insurance costs 124.05% more
- Boling: Insurance costs 33.09% more
- Bonneauville: Insurance costs 1.86% more
- Bonnyman: Insurance costs 84.18% more
- Winnebago: Insurance costs 26.47% more
- Old River-Winfree: Insurance costs 33.58% more
- Raymond: Insurance costs 24.21% more
- Philo: Insurance costs 8.64% less