Cheapest Car Insurance Quotes in Oak Hill

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Oak Hill Car Insurance

^$ 23

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Oak Hill

The car insurance rate in Oak Hill is $992 for a six-month policy, which is $56 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $535, making it a popular choice for budget-conscious drivers. Rates in Oak Hill can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Oak Hill

$992

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Oak Hill

1st place: AutoOwners Insurance Co

At $535 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $699 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $756 for six months, making it the third cheapest auto insurance company in Oak Hill.

Oak Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oak Hill, AL is AutoOwners Insurance Co, offering policies at just $535 for a six-month term. This is followed by State Farm, which has an average six-month premium of $699.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2122 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oak Hill drivers find the best deals.

Cheap Car Insurance Companies in Oak Hill, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$535	$89
State Farm	$699	$118
Travelers	$756	$127
Country Financial	$775	$130
Cincinnati	$799	$135
USAA	$825	$139
Auto-Owners	$882	$148
Nationwide	$1114	$190
Allstate	$1133	$191
Progressive	$1278	$215
Farmers	$2122	$354

Key Takeaways

Way's key takeaways about car insurance in Oak Hill

The auto insurance costs in Oak Hill fall around $535 for six months.
The cheapest auto insurance company in Oak Hill is Cincinnati.
Teen drivers pay the highest rate in Oak Hill at $1239 per month.

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Cheapest Minimum Liability Car Insurance in Oak Hill

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Oak Hill are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Oak Hill. Their Average 6 Month Premium is $139. Farmers is the most expensive at $806 for the same period.

Cheapest Liability Coverage in Oak Hill, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$139	$23
Mercury	$152	$25
Country Financial	$233	$39
Auto-Owners Insurance Co	$240	$40
USAA	$240	$40
State Farm	$246	$41
Travelers	$264	$45
Auto-Owners	$302	$51
Progressive	$428	$72
Nationwide	$454	$75
Allstate	$497	$84
Farmers	$806	$135

Cheapest Full Coverage Car Insurance in Oak Hill

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Oak Hill is AutoOwners Insurance Co at $89 per month and $535 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oak Hill, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$535	$89
State Farm	$699	$118
Travelers	$756	$127
Country Financial	$775	$130
Cincinnati	$799	$135
USAA	$825	$139
Auto-Owners	$882	$148
Nationwide	$1114	$190
Allstate	$1133	$191
Progressive	$1278	$215
Farmers	$2122	$354

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Average Car Insurance in Oak Hill by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Oak Hill, AL increasing?

Despite maintaining a clean driving record, your car insurance rates in Oak Hill, Alabama, may be increasing due to several external factors. Alabama has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Oak Hill's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Oak Hill

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Oak Hill,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Oak Hill at $25 per month. At $7361 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$152	$25
Country Financial	$240	$40
Travelers	$1480	$249
USAA	$1795	$302
State Farm	$1870	$315
Auto-Owners	$2852	$485
Allstate	$3684	$620
Nationwide	$4483	$762
Progressive	$6454	$1087
Farmers	$7361	$1239

Teen Car Insurance Rates in AL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Oak Hill, Cincinnati is the cheapest car insurance provider. At $195 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Oak Hill is Farmers, offering rates of around $3431 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$195	$33
Country Financial	$334	$57
Nationwide	$454	$75
Travelers	$951	$160
USAA	$1140	$190
Progressive	$1360	$229
Allstate	$2153	$359
State Farm	$2474	$421
Auto-Owners	$2733	$456
Farmers	$3431	$583

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Car Insurance Rates with An Accident in Oak Hill

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Oak Hill, AL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Oak Hill

The cheapest car insurance companies after an at-fault accident in Oak Hill include Cincinnati and AutoOwners Insurance Co, offering $214 and $334, respectively. Farmers is an expensive provider with an average six-month premium of $2940.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$214	$36
Auto-Owners Insurance Co	$334	$57
Country Financial	$334	$56
Safeway	$416	$70
Travelers	$604	$102
State Farm	$674	$113
USAA	$837	$141
Auto-Owners	$894	$151
Allstate	$1417	$239
Progressive	$2059	$347
Nationwide	$2109	$352
Farmers	$2940	$500

Oak Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oak Hill AL. For example, the car insurance in Oak Hill after a DUI increases to $857 for a six month policy. While the rate increases by $246 for a six-month policy in the case of a speeding ticket.

Oak Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1032	$172
One Med/PIP claim	$1032	$176
One comp claim	$1064	$177
Two Med/PIP claims	$1064	$181
Not-at-fault accident	$1071	$178
Two comp claims	$1120	$191
Driving without lights	$1227	$205
Failure to wear a seat belt	$1240	$211
Failure to show documents	$1247	$208
Child safety restraint	$1253	$213
Cell phone violation	$1272	$212
Driving with expired registration	$1272	$216
Driving too slowly	$1278	$213
Speeding 6 - 10 MPH over limit	$1278	$217
Speeding in school zone	$1278	$213
Texting while driving	$1278	$217
Speeding 11 - 15 MPH over limit	$1291	$215
Wrong way/wrong lane	$1291	$219
Failure to yield	$1297	$216
Following too closely	$1297	$220
Illegal turn	$1297	$216
Speeding 16 - 20 MPH over limit	$1297	$220
Failure to stop at a red light	$1304	$217
Improper passing	$1304	$222
Passing school bus	$1347	$225
Speeding 21 - 25 MPH over limit	$1354	$230
At-fault accident - less than $1000	$1366	$228
In 65 MPH zone	$1385	$235
At-fault accident - $1000-$2000	$1492	$249
Operating a vehicle without permission	$1523	$259
At-fault accident - greater than $2000	$1536	$257
Open container	$1568	$266
Reckless driving	$1737	$289
Driving with a suspended license	$1814	$308
Racing	$1838	$306
Refusal to submit to a chemical test	$1851	$315
DUI	$1889	$315
Leaving scene of an accident/hit and run	$1964	$334

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Oak Hill after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Oak Hill.

The cheapest car insurance premiums in Oak Hill are offered by Cincinnati at $289 for a six-month policy. However, it can be as expensive as $2827 with companies like Farmers.

Oak Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$289	$49
Country Financial	$390	$66
Travelers	$743	$125
State Farm	$1114	$188
USAA	$1247	$210
Allstate	$1315	$222
Progressive	$1322	$223
Auto-Owners	$1675	$282
Nationwide	$2814	$470
Farmers	$2827	$480

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Oak Hill are offered by Cincinnati at $145. However, it can be as expensive as $2714 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Oak Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$145	$24
Country Financial	$208	$35
Auto-Owners Insurance Co	$277	$47
State Farm	$466	$78
Travelers	$718	$121
USAA	$762	$129
Auto-Owners	$925	$155
Allstate	$1392	$236
Progressive	$1927	$321
Farmers	$2714	$461

Car Insurance Price Trends in Oak Hill, Alabama

Car insurance rates in Oak Hill have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Oak Hill rose by $210 in December compared to $207 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Oak Hill rose to $53 in December, compared to $52 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Oak Hill?

The car insurance in Oak Hill is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Oak Hill?

The cheapest car insurance in Oak Hill is $89 per month for full coverage.

How much is car insurance in Oak Hill for teenagers?

Car insurance for teenagers costs $152 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Oak Hill?

The average cost of car insurance is $936 for a six-month policy. It will cost around $166 per month to insure your car in Oak Hill.

Is car insurance expensive in Oak Hill?

Car insurance can be expensive in Oak Hill if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Oak Hill can be affordable.

Cheapest Car Insurance Quotes in Oak Hill

Why you can trust Way?

How Much Is Car Insurance in Oak Hill

Avg. Car Insurance in Oak Hill

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Oak Hill

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Oak Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Oak Hill, AL

Way's key takeaways about car insurance in Oak Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oak Hill

Cheapest Liability Coverage in Oak Hill, AL

Cheapest Full Coverage Car Insurance in Oak Hill

Cheapest Full Coverage Car Insurance Quotes in Oak Hill, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oak Hill by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Oak Hill, AL increasing?

Car Insurance Premiums by Age in Oak Hill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oak Hill,AL

If you are in your twenties N/A is the best choice for car insurance in Oak Hill.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Oak Hill

Cheapest Car Insurance Companies after an At-Fault Accident in Oak Hill

Oak Hill Car Insurance Rates by Violation

Oak Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oak Hill after a DUI

Oak Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oak Hill after Speeding ticket

Car Insurance Price Trends in Oak Hill, Alabama

Average Car Insurance Cost in Oak Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oak Hill, AL

Car Insurance Rates by State in the USA (2025 Update)

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