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Get Cheap Car Insurance in Oberlin, KS

We monitor insurance prices, helping the average driver in Oberlin save up to 29.5% on car insurance.

 

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The Cheapest Minimum Coverage in Oberlin

The chart below shows the cheapest car insurance company in Oberlin 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 State Farm, followed by Kemper, Farm Bureau, and Travelers.

 
Oberlin Insurer Monthly Cost
State Farm $54
Kemper $55
Farm Bureau $58
Travelers $59

Savings for Every Kind of Oberlin Driver

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

Based on our extensive insurance data, we know the average Oberlin driver will save about 24% 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 $384 per year by choosing the right vehicle insurance company. Some Oberlin residents are paying out over $1,620 extra every year for auto insurance in Oberlin. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Oberlin, KS Savings / Yr.
Drivers with good records
$384
Drivers with accidents
$612
Drivers with speeding tickets
$437
Drivers with a DUI conviction
$715
Young drivers
$1,395
Married drivers
$356
Drivers with bad credit
$777

Oberlin Car Insurance vs. Kansas

People living in Oberlin pay an average of 3.51% more than the typical driver in the state. The average driver in Oberlin can expect to pay about $873 per year, or $1,620 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Oberlin for most people.

Car Insurance Prices by Oberlin Neighborhood

Oberlin, KS 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 Oberlin?

The map shows insurance prices in and around Oberlin, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $24 per year within the city boundaries, with insurance premiums ranging from a high of $1,630 to a low of $1,606. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the West parts of Oberlin.

Pick the Best Car Insurance Company for You in Oberlin

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

The best car insurance provider for most drivers in Oberlin

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $384 over the average Oberlin car insurance company.

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We use the average good driver, paying $103 per month, as our baseline for pricing in Oberlin. Geico, Kemper, and Midvale Home & Auto 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 Oberlin drivers with accidents on their records

In Oberlin getting into an accident will raise premiums an average 33% for a yearly cost of $2,416. That's $796 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, Kemper, and American Family Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $612 over the competition.

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The best car insurance company for Oberlin drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $437 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 Oberlin, tickets raise premiums on new quotes about $405. If you have a speeding ticket, we recommend Geico, Dairyland, and Kemper for savings that beat the average insurance cost of $2,025 per year.

The best auto insurance for Oberlin drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,609 per year in auto insurance premiums, which was $990 more than a driver with no major issues. Travelers, Dairyland, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from Dairyland may cost the average person with a DUI about $715 less each year.

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

In Oberlin, Geico costs young drivers $1,395 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 67% more for insurance than more mature drivers in Oberlin. With an average cost of $4,869 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, Geico, and American Family 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 Oberlin

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $90. State Farm, Progressive, and American Family Insurance provided the largest discounts to couples living in Oberlin.

State Farm gave the largest car insurance discounts to married couples, averaging $356 saved each year compared to an average Oberlin couple's premiums.

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The cheapest car insurance in Oberlin for drivers with bad credit

People with poor credit saved an average of $777 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,018 every year. Premiums for people with poor credit were about $2,638 in Oberlin. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Dairyland.

The best Oberlin car insurance company for customer service

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

Nationwide was the best company for customer service in Oberlin 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 Oberlin, 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 Oberlin. 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 Oberlin

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 27% of Oberlin residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Oberlin driver can expect to pay about $100 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 Oberlin, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, drivers with a DUI conviction, and married couples.
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Auto Insurance Prices in and Around Oberlin

What Influences the Cost of Car Insurance in Oberlin?

On average, car insurance in Oberlin 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 city are influenced by the following factors:

  • The average commute time in Oberlin is 20 minutes, which is far less than average for a driver in the state.
  • Kansas 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 Oberlin are among the lowest 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.
  • Oberlin 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 Oberlin is $73 per month for minimum coverage and $135 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

  • Kanona: Insurance costs 0.06% less
  • Traer: Insurance costs 0.06% less
  • Midway: Insurance costs 0.56% less
  • Dresden: Insurance costs 0.19% less
  • Herndon: Insurance costs 1.05% less
  • Marion: Insurance costs 9.51% less
  • Jennings: Insurance costs 0.06% less
  • Danbury: Insurance costs 8.64% less
  • Norcatur: Insurance costs the same
  • Selden: Insurance costs 1.98% less

Cities with Similar Populations

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