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Get Cheap Car Insurance in Oakland, NY
We monitor insurance prices, helping the average driver in Oakland save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Oakland
The chart below shows the cheapest car insurance company in Oakland 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 Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Oakland Insurer | Monthly Cost |
|---|---|
| Kemper | $77 |
| Plymouth Rock Assurance | $102 |
| Safeco Insurance | $110 |
| Geico | $115 |
Savings for Every Kind of Oakland Driver
Based on our extensive insurance data, we know the average Oakland driver will save about 30% 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 $622 per year by choosing the right vehicle insurance company. Some Oakland residents are paying out over $2,087 extra every year for auto insurance in Oakland. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Oakland, NY Savings / Yr. |
|---|---|
$622 |
|
$397 |
|
$793 |
|
$802 |
|
$1,965 |
|
$658 |
|
$1,047 |
Oakland Car Insurance vs. New York
People living in Oakland pay an average of 13.94% less than the typical driver in the state. The average driver in Oakland can expect to pay about $1,514 per year, or $2,087 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Oakland for most people.
Car Insurance Prices by Oakland Neighborhood
Insurance Prices
Where is insurance cheapest within Oakland?
The map shows insurance prices in and around Oakland, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $35 per year within the city boundaries, with insurance premiums ranging from a high of $2,111 to a low of $2,076. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the East parts of Oakland.Pick the Best Car Insurance Company for You in Oakland
The best car insurance provider for most drivers in Oakland
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $622 over the average Oakland car insurance company.
The best car insurance provider for Oakland drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $397 over the competition.
The best car insurance company for Oakland drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $793 better than other car insurance companies.
The best auto insurance for Oakland drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $802 less each year.
The least expensive car insurance company for new and young drivers in Oakland
In Oakland, Progressive costs young drivers $1,965 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Oakland
Progressive gave the largest car insurance discounts to married couples, averaging $658 saved each year compared to an average Oakland couple's premiums.
The cheapest car insurance in Oakland for drivers with bad credit
The best Oakland car insurance company for customer service
Recent price drops
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The cheapest large national provider in Oakland
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Oakland driver can expect to pay about $183 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 Oakland, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around Oakland
What Influences the Cost of Car Insurance in Oakland?
On average, car insurance in Oakland 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 Oakland is 29 minutes, which is a little less than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Oakland 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 A+ according to CrimeGrade.org.
- Oakland 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 Oakland is $126 per month for minimum coverage and $174 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
- Nunda: Insurance costs 0.57% more
- Hunt: Insurance costs 0.72% more
- Dalton: Insurance costs 0.81% more
- Castile: Insurance costs 0.86% more
- Tuscarora: Insurance costs 13.80% more
- Portageville: Insurance costs 1.20% more
- Silver Lake: Insurance costs 0.81% less
- Lamont: Insurance costs 1.20% more
- Westview: Insurance costs 0.14% less
- Wiscoy: Insurance costs 1.39% more
Cities with Similar Populations
- Ramona: Insurance costs 36.22% more
- Oakridge: Insurance costs 26.21% less
- Odin: Insurance costs 24.72% less
- Oelrichs: Insurance costs 15.81% less
- Old Moulton: Insurance costs 23.53% less
- Oneida: Insurance costs 26.98% less
- Orbit: Insurance costs 42.21% less
- Orchard Valley: Insurance costs 25.87% less
- Orearville: Insurance costs 17.01% less
- Orient Hill: Insurance costs 28.41% less