Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Oak Valley, TX
We monitor insurance prices, helping the average driver in Oak Valley save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in Oak Valley
The chart below shows the cheapest car insurance company in Oak Valley 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 Clearcover, followed by Mile Auto, Progressive, and State Farm.
| Oak Valley Insurer | Monthly Cost |
|---|---|
| Clearcover | $42 |
| Mile Auto | $55 |
| Progressive | $57 |
| State Farm | $61 |
Savings for Every Kind of Oak Valley Driver
Based on our extensive insurance data, we know the average Oak Valley 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 $336 per year by choosing the right vehicle insurance company. Some Oak Valley residents are paying out over $1,632 extra every year for auto insurance in Oak Valley. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Oak Valley, TX Savings / Yr. |
|---|---|
$336 |
|
$769 |
|
$678 |
|
$776 |
|
$1,181 |
|
$446 |
|
$488 |
Oak Valley Car Insurance vs. Texas
People living in Oak Valley pay an average of 16.46% less than the typical driver in the state. The average driver in Oak Valley can expect to pay about $972 per year, or $1,632 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Oak Valley for most people.
Car Insurance Prices by Oak Valley Neighborhood
Insurance Prices
Where is insurance cheapest within Oak Valley?
The map shows insurance prices in and around Oak Valley, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $3 per year within the city boundaries, with insurance premiums ranging from a high of $1,633 to a low of $1,630. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the South parts of Oak Valley.Pick the Best Car Insurance Company for You in Oak Valley
The best car insurance provider for most drivers in Oak Valley
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $336 over the average Oak Valley car insurance company.
The best car insurance provider for Oak Valley 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 $769 over the competition.
The best car insurance company for Oak Valley drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $678 better than other car insurance companies.
The best auto insurance for Oak Valley drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $776 less each year.
The least expensive car insurance company for new and young drivers in Oak Valley
In Oak Valley, State Farm costs young drivers $1,181 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Oak Valley
State Farm gave the largest car insurance discounts to married couples, averaging $446 saved each year compared to an average Oak Valley couple's premiums.
The cheapest car insurance in Oak Valley for drivers with bad credit
The best Oak Valley car insurance company for customer service
Nationwide was the best company for customer service in Oak Valley according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Oak Valley, which was better than other insurers.
The cheapest large national provider in Oak Valley
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Oak Valley driver can expect to pay about $129 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 Valley, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.Auto Insurance Prices in and Around Oak Valley
What Influences the Cost of Car Insurance in Oak Valley?
On average, car insurance in Oak Valley 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 Valley is 33 minutes, which is about the national average for a driver in the state.
- Texas 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 Valley are about 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 A- according to CrimeGrade.org.
- Oak Valley 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 Valley 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
- Corbet: Insurance costs 0.31% less
- Retreat: Insurance costs 0.12% less
- Pickett: Insurance costs 0.12% less
- Drane: Insurance costs 0.49% less
- Corsicana: Insurance costs 4.53% more
- Angus: Insurance costs 3.86% less
- Silver City: Insurance costs 2.21% less
- Barry: Insurance costs 0.86% less
- Navarro: Insurance costs 4.53% less
- Emhouse: Insurance costs 0.86% less
Cities with Similar Populations
- Oak Ridge: Insurance costs 8.58% less
- Mount Vernon: Insurance costs 31.25% less
- Mount Victory: Insurance costs 30.58% more
- Myra: Insurance costs 6.19% more
- Napaskiak: Insurance costs 15.81% less
- Nebo Center: Insurance costs 24.14% more
- Newberry: Insurance costs 26.96% less
- North Branch: Insurance costs 43.14% more
- Norton: Insurance costs 27.21% less
- Mount Carbon: Insurance costs 5.02% less