Cheapest Car Insurance Quotes in Oakland

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Oakland Car Insurance

^$ 27

/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 Oakland

The car insurance rate in Oakland is $869 for a six-month policy, which is $55 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $452, making it a popular choice for budget-conscious drivers. Rates in Oakland 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 Oakland

$869

Avg. Car Insurance in Arkansas

$924

National Average

$1140

Cheapest Car Insurance Companies in Oakland

1st place: AutoOwners Insurance Co

At $452 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $592 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $608 for six months, making it the third cheapest auto insurance company in Oakland.

Oakland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oakland, AR is AutoOwners Insurance Co, offering policies at just $452 for a six-month term. This is followed by Travelers, which has an average six-month premium of $592.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1608 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oakland drivers find the best deals.

Cheap Car Insurance Companies in Oakland, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$452	$77
Travelers	$592	$100
AAA	$608	$103
Southern Farm Bureau	$653	$110
USAA	$665	$112
State Farm	$748	$126
Farm Bureau	$765	$130
Shelter	$821	$138
Nationwide	$871	$147
Auto-Owners	$899	$149
Farmers	$1016	$171
Alfa	$1189	$198
Allstate	$1273	$214
Progressive	$1608	$271

Key Takeaways

Way's key takeaways about car insurance in Oakland

The auto insurance costs in Oakland fall around $452 for six months.
The cheapest auto insurance company in Oakland is USAA.
Teen drivers pay the highest rate in Oakland at $961 per month.

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Cheapest Minimum Liability Car Insurance in Oakland

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 Oakland are given below.

USAA provides the cheapest minimum car insurance coverage in Oakland. Their Average 6 Month Premium is $162. Farmers is the most expensive at $558 for the same period.

Cheapest Liability Coverage in Oakland, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$162	$27
Auto-Owners Insurance Co	$179	$30
State Farm	$201	$34
Auto-Owners	$212	$36
Travelers	$218	$37
AAA	$224	$38
Southern Farm Bureau	$229	$39
Farm Bureau	$234	$39
Alfa	$245	$41
Shelter	$268	$45
Nationwide	$279	$47
Progressive	$296	$50
Allstate	$513	$86
Farmers	$558	$93

Cheapest Full Coverage Car Insurance in Oakland

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 Oakland is AutoOwners Insurance Co at $77 per month and $452 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oakland, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$452	$77
Travelers	$592	$100
AAA	$608	$103
Southern Farm Bureau	$653	$110
USAA	$665	$112
State Farm	$748	$126
Farm Bureau	$765	$130
Shelter	$821	$138
Nationwide	$871	$147
Auto-Owners	$899	$149
Farmers	$1016	$171
Alfa	$1189	$198
Allstate	$1273	$214
Progressive	$1608	$271

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Average Car Insurance in Oakland 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 Oakland, AR increasing?

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

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

Car Insurance Premiums by Age in Oakland

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 Oakland,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Oakland at $24 per month. At $5650 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$145	$24
Travelers	$240	$40
Auto-Owners Insurance Co	$262	$44
AAA	$279	$48
Southern Farm Bureau	$982	$165
USAA	$1134	$191
Farm Bureau	$1491	$248
State Farm	$1519	$256
Alfa	$1854	$309
Nationwide	$1899	$320
Shelter	$2468	$415
Progressive	$4612	$776
Allstate	$5650	$951
Farmers	$5650	$961

Teen Car Insurance Rates in AR 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 Oakland, Southern Farm Bureau is the cheapest car insurance provider. At $274 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 Oakland is State Farm, offering rates of around $3724 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Southern Farm Bureau	$274	$46
Home State Ins Group	$279	$48
Travelers	$329	$55
Alfa	$709	$119
USAA	$949	$158
Shelter	$1039	$175
Nationwide	$1050	$177
Progressive	$1340	$226
Farm Bureau	$1385	$231
Farmers	$1396	$235
Allstate	$2552	$425
State Farm	$3724	$634

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Car Insurance Rates with An Accident in Oakland

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 Oakland, AR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Oakland

The cheapest car insurance companies after an at-fault accident in Oakland include Hanover and Travelers, offering $167 and $285, respectively. Allstate is an expensive provider with an average six-month premium of $2362.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$167	$28
Travelers	$285	$48
Auto-Owners Insurance Co	$290	$48
Auto-Owners	$340	$58
Home State Ins Group	$357	$59
USAA	$536	$90
State Farm	$553	$93
Farm Bureau	$659	$111
Southern Farm Bureau	$670	$113
Shelter	$832	$140
Farmers	$1290	$217
Nationwide	$1307	$220
Progressive	$1620	$273
Alfa	$1815	$308
Allstate	$2362	$398

Oakland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oakland AR. For example, the car insurance in Oakland after a DUI increases to $630 for a six month policy. While the rate increases by $268 for a six-month policy in the case of a speeding ticket.

Oakland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1117	$186
One Med/PIP claim	$1134	$193
Not-at-fault accident	$1139	$190
One comp claim	$1139	$194
Two Med/PIP claims	$1156	$193
Two comp claims	$1183	$201
Failure to wear a seat belt	$1340	$224
Child safety restraint	$1351	$229
Driving without lights	$1351	$226
Failure to show documents	$1368	$232
Driving with expired registration	$1385	$231
Speeding 6 - 10 MPH over limit	$1385	$235
Driving too slowly	$1390	$232
Speeding 11 - 15 MPH over limit	$1390	$236
Speeding in school zone	$1390	$232
Speeding 16 - 20 MPH over limit	$1396	$238
Failure to stop at a red light	$1402	$233
Failure to yield	$1402	$239
Wrong way/wrong lane	$1407	$234
Cell phone violation	$1413	$241
In 65 MPH zone	$1413	$235
Texting while driving	$1413	$241
Following too closely	$1418	$236
Illegal turn	$1418	$242
Improper passing	$1418	$236
Speeding 21 - 25 MPH over limit	$1446	$246
At-fault accident - less than $1000	$1451	$242
Passing school bus	$1463	$249
Operating a vehicle without permission	$1508	$251
Open container	$1536	$261
At-fault accident - $1000-$2000	$1569	$261
At-fault accident - greater than $2000	$1575	$268
DUI	$1747	$291
Racing	$1747	$297
Refusal to submit to a chemical test	$1747	$291
Reckless driving	$1776	$302
Driving with a suspended license	$1825	$305
Leaving scene of an accident/hit and run	$1859	$316

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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 Oakland 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 Oakland.

The cheapest car insurance premiums in Oakland are offered by Hanover at $179 for a six-month policy. However, it can be as expensive as $2378 with companies like Nationwide.

Oakland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$179	$30
Home State Ins Group	$302	$50
Travelers	$313	$53
State Farm	$587	$99
Farm Bureau	$608	$102
Southern Farm Bureau	$619	$104
USAA	$849	$143
Progressive	$1061	$179
Shelter	$1329	$224
Alfa	$1759	$293
Allstate	$2072	$349
Farmers	$2144	$357
Nationwide	$2378	$400

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 Oakland are offered by Hanover at $156. However, it can be as expensive as $1831 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Oakland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$156	$26
Southern Farm Bureau	$167	$28
Auto-Owners Insurance Co	$207	$35
Travelers	$274	$46
Home State Ins Group	$290	$48
State Farm	$525	$88
USAA	$636	$106
Farm Bureau	$832	$141
Nationwide	$949	$160
Progressive	$1027	$173
Shelter	$1077	$180
Farmers	$1251	$211
Alfa	$1715	$286
Allstate	$1831	$311

Car Insurance Price Trends in Oakland, Arkansas

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

The average cost of full coverage in the Oakland remained steady at $186 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Oakland remained steady at $43 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Oakland?

The car insurance in Oakland is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Oakland?

The cheapest car insurance in Oakland is $77 per month for full coverage.

How much is car insurance in Oakland for teenagers?

Car insurance for teenagers costs $145 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 Oakland?

The average cost of car insurance is $924 for a six-month policy. It will cost around $146 per month to insure your car in Oakland.

Is car insurance expensive in Oakland?

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

Cheapest Car Insurance Quotes in Oakland

Why you can trust Way?

How Much Is Car Insurance in Oakland

Avg. Car Insurance in Oakland

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Oakland

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Oakland Car Insurance Rates by Company

Cheap Car Insurance Companies in Oakland, AR

Way's key takeaways about car insurance in Oakland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oakland

Cheapest Liability Coverage in Oakland, AR

Cheapest Full Coverage Car Insurance in Oakland

Cheapest Full Coverage Car Insurance Quotes in Oakland, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oakland by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Oakland, AR increasing?

Car Insurance Premiums by Age in Oakland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oakland,AR

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

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 Oakland

Cheapest Car Insurance Companies after an At-Fault Accident in Oakland

Oakland Car Insurance Rates by Violation

Oakland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oakland after a DUI

Oakland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oakland after Speeding ticket

Car Insurance Price Trends in Oakland, Arkansas

Average Car Insurance Cost in Oakland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oakland, AR

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

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Data Sources