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Get Cheap Car Insurance in Oak Lane, Philadelphia, PA

We monitor insurance prices, helping the average driver in Oak Lane save up to 35.9% on car insurance.

 

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The Cheapest Minimum Coverage in Oak Lane

The chart below shows the cheapest car insurance company in Oak Lane 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 Kemper, followed by Metromile, Travelers, and State Farm.

 
Oak Lane Insurer Monthly Cost
Kemper $67
Metromile $67
Travelers $68
State Farm $71

Savings for Every Kind of Oak Lane Driver

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

Based on our extensive insurance data, we know the average Oak Lane driver will save about 28% 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 $509 per year by choosing the right vehicle insurance company. Some Oak Lane residents are paying out over $1,816 extra every year for auto insurance in Oak Lane. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Oak Lane, Philadelphia, PA Savings / Yr.
Drivers with good records
$509
Drivers with accidents
$902
Drivers with speeding tickets
$689
Drivers with a DUI conviction
$821
Young drivers
$2,104
Married drivers
$364
Drivers with bad credit
$651

Oak Lane Car Insurance vs. Philadelphia

People living in Oak Lane pay an average of 27.36% more than the typical driver in the state. The average driver in Oak Lane can expect to pay about $1,126 per year, or $1,816 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Oak Lane for most people.

Car Insurance Prices by Oak Lane Neighborhood

Oak Lane, Philadelphia, PA 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 Lane?

The map shows insurance prices in and around Oak Lane, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $443 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,071 to a low of $1,628. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the East parts of Oak Lane.

Pick the Best Car Insurance Company for You in Oak Lane

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 Lane insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Oak Lane

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $509 over the average Oak Lane car insurance company.

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We use the average good driver, paying $109 per month, as our baseline for pricing in Oak Lane. Travelers, Metromile, 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 Lane drivers with accidents on their records

In Oak Lane getting into an accident will raise premiums an average 40% for a yearly cost of $3,012. That's $1,196 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 Metromile are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $902 over the competition.

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

>Metromile gave the average person with a speeding ticket the most savings, averaging $689 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 Lane, tickets raise premiums on new quotes about $731. If you have a speeding ticket, we recommend Travelers, Metromile, and Clearcover for savings that beat the average insurance cost of $2,547 per year.

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

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,690 per year in auto insurance premiums, which was $874 more than a driver with no major issues. State Farm, Travelers, and Clearcover penalized their customers the least for a DUI.

Getting a quote from Clearcover may cost the average person with a DUI about $821 less each year.

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

In Oak Lane, Travelers costs young drivers $2,104 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 Lane. With an average cost of $5,863 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, Travelers, and Erie 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 Lane

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $146. State Farm, Progressive, and Erie Insurance provided the largest discounts to couples living in Oak Lane.

State Farm gave the largest car insurance discounts to married couples, averaging $364 saved each year compared to an average Oak Lane couple's premiums.

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

People with poor credit saved an average of $651 with Nationwide.

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Many people are surprised that their poor credit score can cost them an average of $1,229 every year. Premiums for people with poor credit were about $3,045 in Oak Lane. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Nationwide, Travelers, and Plymouth Rock Assurance.

The best Oak Lane car insurance company for customer service

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

Nationwide was the best company for customer service in Oak Lane 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 Lane, 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 Lane. 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 Lane

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 34% of Oak Lane residents who are renting, and don't plan to be in the neighborhood or city 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 Lane driver can expect to pay about $86 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 Lane, USAA has the best prices for drivers with speeding tickets, young drivers, drivers with a DUI conviction, drivers with bad credit, good drivers, drivers with accidents, and married couples.
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Auto Insurance Prices in and Around Oak Lane

What Influences the Cost of Car Insurance in Oak Lane?

On average, car insurance in Oak Lane 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 Lane is 46 minutes, which is far more than average for a driver in the city.
  • Pennsylvania 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 Lane are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
  • Oak Lane has an average population density 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 Lane is $94 per month for minimum coverage and $151 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

Neighborhoods with Similar Populations

* Who is the average Oak Lane driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Oak Lane 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.