Cheapest Car Insurance Quotes in Oakland Park

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Oakland Park Car Insurance

^$ 28

/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 Park

The car insurance rate in Oakland Park is $2097 for a six-month policy, which is $496 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1339, making it a popular choice for budget-conscious drivers. Rates in Oakland Park 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 Park

$2097

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Oakland Park

1st place: Travelers

At $1339 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1424 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1657 for six months, making it the third cheapest auto insurance company in Oakland Park.

Oakland Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oakland Park, FL is Travelers, offering policies at just $1339 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1424.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1252 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oakland Park drivers find the best deals.

Cheap Car Insurance Companies in Oakland Park, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1339	$225
State Farm	$1424	$240
Nationwide	$1657	$279
United Automobile Ins Group	$1789	$299
Progressive	$1868	$314
UAIC	$1868	$312
MetLife	$1969	$335
Farmers	$3128	$521
Mercury	$3377	$574
Allstate	$3401	$572
Metropolitan Group	$1252	$208

Key Takeaways

Way's key takeaways about car insurance in Oakland Park

The auto insurance costs in Oakland Park fall around $1339 for six months.
The cheapest auto insurance company in Oakland Park is Patrons Insurance.
Teen drivers pay the highest rate in Oakland Park at $1809 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Oakland Park

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 Park are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Oakland Park. Their Average 6 Month Premium is $164. Metropolitan Group is the most expensive at $498 for the same period.

Cheapest Liability Coverage in Oakland Park, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$164	$28
Travelers	$498	$84
State Farm	$529	$89
Mercury	$561	$94
Nationwide	$622	$106
Farmers	$863	$144
AIG	$879	$149
Progressive	$918	$155
United Automobile Ins Group	$942	$160
UAIC	$1019	$170
Allstate	$1175	$198
Metropolitan Group	$498	$83

Cheapest Full Coverage Car Insurance in Oakland Park

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 Park is Travelers at $225 per month and $1339 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oakland Park, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1339	$225
State Farm	$1424	$240
Nationwide	$1657	$279
United Automobile Ins Group	$1789	$299
Progressive	$1868	$314
UAIC	$1868	$312
MetLife	$1969	$335
Farmers	$3128	$521
Mercury	$3377	$574
Allstate	$3401	$572
Metropolitan Group	$1252	$208

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Average Car Insurance in Oakland Park 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 Park, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Oakland Park, Florida, may be increasing due to several external factors. Florida 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 Park'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 Park

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1699
40s	Travelers	$1282
50s	Travelers	$1196
60s	Travelers	$1179

Cheapest Car Insurance Rates for Teen Drivers in Oakland Park,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Oakland Park at $118 per month. At $10637 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$709	$118
AIG	$958	$162
Travelers	$2171	$365
State Farm	$2856	$481
UAIC	$4248	$709
United Automobile Ins Group	$4412	$751
Allstate	$6691	$1127
Mercury	$8295	$1396
Progressive	$8863	$1492
Farmers	$10637	$1809

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Oakland Park.

As young drivers face the highest rates in Oakland Park, Travelers offers the cheapest auto insurance rates at $1699 for six months.

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 Park, Nationwide is the cheapest car insurance provider. At $848 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 Park is Allstate, offering rates of around $6802 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$848	$144
Mercury	$926	$155
Direct General Insurance	$965	$164
Travelers	$1837	$309
UAIC	$1868	$317
Progressive	$3610	$601
Farmers	$4327	$736
State Farm	$6482	$1081
Allstate	$6802	$1157

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Car Insurance Rates with An Accident in Oakland Park

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 Park, FL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Oakland Park include Nationwide and AIG, offering $895 and $1144, respectively. National General is an expensive provider with an average six-month premium of $1385.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$895	$149
AIG	$1144	$194
Travelers	$1292	$217
State Farm	$1331	$224
United Automobile Ins Group	$2327	$388
Mercury	$2404	$405
UAIC	$2435	$406
Progressive	$3190	$537
Farmers	$4365	$727
Allstate	$5905	$994
National General	$1385	$236

Oakland Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oakland Park FL. For example, the car insurance in Oakland Park after a DUI increases to $1229 for a six month policy. While the rate increases by $374 for a six-month policy in the case of a speeding ticket.

Oakland Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2389	$398
One Med/PIP claim	$2389	$406
Not-at-fault accident	$2583	$431
Two Med/PIP claims	$2654	$451
One comp claim	$2692	$449
Child safety restraint	$2700	$459
Failure to wear a seat belt	$2700	$451
Driving without lights	$2708	$460
Failure to show documents	$2708	$452
Speeding 6 - 10 MPH over limit	$2763	$470
Improper passing	$2771	$461
Passing school bus	$2771	$472
Wrong way/wrong lane	$2771	$461
Failure to stop at a red light	$2779	$473
Failure to yield	$2779	$462
Illegal turn	$2779	$473
Cell phone violation	$2786	$464
Driving with expired registration	$2786	$474
Following too closely	$2786	$464
Texting while driving	$2793	$476
Two comp claims	$2856	$476
Driving too slowly	$2872	$489
Speeding in school zone	$2872	$478
Speeding 11 - 15 MPH over limit	$2879	$490
In 65 MPH zone	$2980	$496
Speeding 16 - 20 MPH over limit	$2980	$507
Speeding 21 - 25 MPH over limit	$2996	$499
Open container	$3027	$515
Operating a vehicle without permission	$3027	$504
At-fault accident - less than $1000	$3284	$558
At-fault accident - $1000-$2000	$3338	$557
At-fault accident - greater than $2000	$3338	$567
Racing	$3610	$601
DUI	$3618	$616
Refusal to submit to a chemical test	$3618	$603
Driving with a suspended license	$3681	$626
Reckless driving	$3758	$626
Leaving scene of an accident/hit and run	$3798	$646

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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 Park 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 Park.

The cheapest car insurance premiums in Oakland Park are offered by AIG at $841 for a six-month policy. However, it can be as expensive as $1043 with companies like National General.

Oakland Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$841	$140
Travelers	$1339	$225
State Farm	$1626	$274
Progressive	$1641	$276
Allstate	$2988	$503
UAIC	$3292	$559
Farmers	$3557	$592
National General	$1043	$174

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 Park are offered by Nationwide at $731. However, it can be as expensive as $3798 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Oakland Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$731	$124
State Farm	$942	$159
Travelers	$1128	$190
UAIC	$1868	$312
Allstate	$2141	$360
Progressive	$3089	$515
Farmers	$3798	$646

Car Insurance Price Trends in Oakland Park, Florida

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

The average cost of full coverage in the Oakland Park remained steady at $362 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Oakland Park remained steady at $110 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 Park?

The car insurance in Oakland Park is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Oakland Park?

The cheapest car insurance in Oakland Park is $225 per month for full coverage.

How much is car insurance in Oakland Park for teenagers?

Car insurance for teenagers costs $709 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 Park?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $352 per month to insure your car in Oakland Park.

Is car insurance expensive in Oakland Park?

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

Cheapest Car Insurance Quotes in Oakland Park

Why you can trust Way?

How Much Is Car Insurance in Oakland Park

Avg. Car Insurance in Oakland Park

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Oakland Park

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Oakland Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Oakland Park, FL

Way's key takeaways about car insurance in Oakland Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oakland Park

Cheapest Liability Coverage in Oakland Park, FL

Cheapest Full Coverage Car Insurance in Oakland Park

Cheapest Full Coverage Car Insurance Quotes in Oakland Park, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oakland Park by Rating Factor

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

Car Insurance Premiums by Age in Oakland Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oakland Park,FL

If you are in your twenties Travelers is the best choice for car insurance in Oakland Park.

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 Park

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

Oakland Park Car Insurance Rates by Violation

Oakland Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oakland Park after a DUI

Oakland Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oakland Park after Speeding ticket

Car Insurance Price Trends in Oakland Park, Florida

Average Car Insurance Cost in Oakland Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oakland Park, FL

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

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