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Get Cheap Car Insurance in Oak, NE
We monitor insurance prices, helping the average driver in Oak save up to 39.3% on car insurance.
The Cheapest Minimum Coverage in Oak
The chart below shows the cheapest car insurance company in Oak 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 Farm Bureau, followed by American Family Insurance, State Farm, and Progressive.
| Oak Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $35 |
| American Family Insurance | $40 |
| State Farm | $40 |
| Progressive | $48 |
Savings for Every Kind of Oak Driver
Based on our extensive insurance data, we know the average Oak driver will save about 39% 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 $553 per year by choosing the right vehicle insurance company. Some Oak residents are paying out over $1,409 extra every year for auto insurance in Oak. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Oak, NE Savings / Yr. |
|---|---|
$553 |
|
$416 |
|
$390 |
|
$303 |
|
$1,337 |
|
$160 |
|
$739 |
Oak Car Insurance vs. Nebraska
People living in Oak pay an average of 1.21% less than the typical driver in the state. The average driver in Oak can expect to pay about $578 per year, or $1,409 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Oak for most people.
Car Insurance Prices by Oak Neighborhood
Insurance Prices
Where is insurance cheapest within Oak?
The map shows insurance prices in and around Oak, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $10 per year within the city boundaries, with insurance premiums ranging from a high of $1,409 to a low of $1,399. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southeast parts of Oak.Pick the Best Car Insurance Company for You in Oak
The best car insurance provider for most drivers in Oak
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $553 over the average Oak car insurance company.
The best car insurance provider for Oak 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 $416 over the competition.
The best car insurance company for Oak drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $390 better than other car insurance companies.
The best auto insurance for Oak drivers with a DUI conviction
Getting a quote from American Family Insurance may cost the average person with a DUI about $303 less each year.
The least expensive car insurance company for new and young drivers in Oak
In Oak, Farmers Mutual of Nebraska costs young drivers $1,337 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Oak
Nationwide gave the largest car insurance discounts to married couples, averaging $160 saved each year compared to an average Oak couple's premiums.
The cheapest car insurance in Oak for drivers with bad credit
The best Oak car insurance company for customer service
Recent price drops
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The cheapest large national provider in Oak
For customers who prefer to work with large national providers, we recommend Nationwide for pricing. The average Oak 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, USAA has the best prices for good drivers, drivers with bad credit, drivers with speeding tickets, married couples, young drivers, drivers with a DUI conviction, and drivers with accidents.Auto Insurance Prices in and Around Oak
What Influences the Cost of Car Insurance in Oak?
On average, car insurance in Oak 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 is 23 minutes, which is a little less than average for a driver in the state.
- Nebraska 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 are among the highest 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 D according to CrimeGrade.org.
- Oak is a fairly densely populated area 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 is $48 per month for minimum coverage and $117 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
- Sedan: Insurance costs 0.07% more
- Davenport: Insurance costs 0.43% less
- Ruskin: Insurance costs 0.21% less
- Nora: Insurance costs 0.14% less
- Nelson: Insurance costs the same
- Edgar: Insurance costs 0.35% more
- Ong: Insurance costs the same
- Deshler: Insurance costs 0.64% less
- Carleton: Insurance costs 0.50% less
- Cadams: Insurance costs 0.07% less
Cities with Similar Populations
- Wauneta: Insurance costs 10.15% more
- Chincoteague Island: Insurance costs 14.34% less
- Chitina: Insurance costs 1.49% less
- Clines Corners: Insurance costs 7.10% more
- Walnut Ridge: Insurance costs 14.41% less
- Warrick: Insurance costs 17.03% more
- Warsaw: Insurance costs 0.92% less
- Washington Park: Insurance costs 7.17% less
- Watauga: Insurance costs 43.15% more
- Waterloo: Insurance costs 10.65% more