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Get Cheap Car Insurance in Oldham County, TX

We monitor insurance prices, helping the average driver in Oldham County save up to 34.2% on car insurance.

 

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The Cheapest Minimum Coverage in Oldham County

The chart below shows the cheapest car insurance company in Oldham County 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.

 
Oldham County Insurer Monthly Cost
Clearcover $48
Mile Auto $63
Progressive $65
State Farm $70

Savings for Every Kind of Oldham County Driver

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

Based on our extensive insurance data, we know the average Oldham County 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 $384 per year by choosing the right vehicle insurance company. Some Oldham County residents are paying out over $1,867 extra every year for auto insurance in Oldham County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Oldham County, TX Savings / Yr.
Drivers with good records
$384
Drivers with accidents
$879
Drivers with speeding tickets
$775
Drivers with a DUI conviction
$887
Young drivers
$1,351
Married drivers
$510
Drivers with bad credit
$558

Oldham County Car Insurance vs. Texas

People living in Oldham County pay an average of 4.47% less than the typical driver in the state. The average driver in Oldham County can expect to pay about $1,112 per year, or $1,867 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Oldham County for most people.

Car Insurance Prices by Oldham County Neighborhood

Oldham County, TX 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 Oldham County?

The map shows insurance prices in and around Oldham County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $33 per year within the county boundaries, with insurance premiums ranging from a high of $1,882 to a low of $1,849. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the North parts of Oldham County.

Pick the Best Car Insurance Company for You in Oldham County

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

The best car insurance provider for most drivers in Oldham County

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

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We use the average good driver, paying $124 per month, as our baseline for pricing in Oldham County. State Farm, Progressive, and Mile 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 Oldham County drivers with accidents on their records

In Oldham County getting into an accident will raise premiums an average 32% for a yearly cost of $2,753. That's $886 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, Mile Auto, and Farmers 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 $879 over the competition.

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The best car insurance company for Oldham County drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $775 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 Oldham County, tickets raise premiums on new quotes about $656. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Clearcover for savings that beat the average insurance cost of $2,523 per year.

The best auto insurance for Oldham County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,597 per year in auto insurance premiums, which was $731 more than a driver with no major issues. Mile Auto, Kemper, and Farmers Insurance penalized their customers the least for a DUI.

Getting a quote from Mile Auto may cost the average person with a DUI about $887 less each year.

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

In Oldham County, State Farm costs young drivers $1,351 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 64% more for insurance than more mature drivers in Oldham County. With an average cost of $5,173 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 Chubb 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 Oldham County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $64. State Farm, Geico, and Chubb provided the largest discounts to couples living in Oldham County.

State Farm gave the largest car insurance discounts to married couples, averaging $510 saved each year compared to an average Oldham County couple's premiums.

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The cheapest car insurance in Oldham County for drivers with bad credit

People with poor credit saved an average of $558 with Farmers Insurance.

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Many people are surprised that their poor credit score can cost them an average of $754 every year. Premiums for people with poor credit were about $2,620 in Oldham County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Farmers Insurance, and Clearcover.

The best Oldham County car insurance company for customer service

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

Nationwide was the best company for customer service in Oldham County 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 Oldham County, 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 Oldham County. 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 Oldham County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 30% of Oldham County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Oldham County driver can expect to pay about $129 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 Oldham County, 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.
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Auto Insurance Prices in and Around Oldham County

What Influences the Cost of Car Insurance in Oldham County?

On average, car insurance in Oldham County 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 county are influenced by the following factors:

  • The average commute time in Oldham County is 30 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 Oldham County are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Oldham County is one of the most densely populated areas in the state. The county’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 Oldham County is $93 per month for minimum coverage and $156 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 Counties

Counties with Similar Populations

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