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Finding the cheapest car insurance quotes in Red Oak shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Red Oak
The car insurance rate in Red Oak is $1385 for a six-month policy, which is $359 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $505, making it a popular choice for budget-conscious drivers. Rates in Red Oak 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.
At $505 for a six
month policy, Country Financial offers
the cheapest
auto
insurance rates in the city.
2nd place: AutoOwners Insurance Co
AutoOwners Insurance Co offers auto
insurance rates at $666 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farm Bureau
Farm Bureau offers auto insurance
rates at $890
for six months, making it
the third cheapest auto insurance company in Red Oak.
Red Oak Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Red Oak, GA is Country Financial, offering policies at just $505 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $666.
At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1940 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Red Oak drivers find the best deals.
Way's key takeaways about car insurance in Red Oak
The auto insurance costs in Red Oak fall around $505 for six
months.
The cheapest auto insurance company in Red Oak is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Red Oak at $1661 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Red Oak
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 Red Oak are given below.
AutoOwners Insurance Co provides
the cheapest minimum car insurance
coverage in Red Oak. Their Average 6 Month Premium is $297.
Allstate is the most
expensive at $1018 for the same
period.
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 Red Oak is Country Financial
at $86 per month and $505
for six months.
Cheapest Full Coverage Car Insurance Quotes in Red Oak,
GA
Get Your Car Insurance Quote in Red Oak
Instantly!
Average Car Insurance in Red Oak 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 Red Oak, GA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Red Oak, Georgia, may be increasing due to several external factors.
Georgia has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Red Oak's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Red Oak
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
Georgia Farm Bureau
$959
30s
Georgia Farm Bureau
$767
40s
Georgia Farm Bureau
$736
50s
Georgia Farm Bureau
$705
60s
Georgia Farm Bureau
$699
70s
Georgia Farm Bureau
$846
Cheapest Car Insurance Rates for Teen Drivers in
Red Oak,GA
If you are planning to get a car insurance policy for your teenage
dependent, AutoOwners Insurance Co provides the cheapest car
insurance in the Red Oak at $70
per
month. At $9863 for a six-month premium,
Progressive offers the most expensive rate for
teen drivers.
If you are in your twenties Georgia Farm Bureau is
the best choice for car
insurance in Red Oak.
As young drivers face the highest rates in Red Oak, Georgia Farm Bureau
offers the cheapest auto insurance rates at $959 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 Red Oak,
Country Financial is
the cheapest car insurance provider. At $417 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
Red Oak is State Farm, offering
rates of around $6055 for six
months.
Save up to $971/yr on car insurance rates in Red Oak.
Car Insurance Rates with An Accident in Red Oak
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 Red Oak, GA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Red Oak
The cheapest car insurance companies after an at-fault accident in
Red Oak include AutoOwners Insurance Co
and Country Financial, offering $441
and $682,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2903.
Here is a list of driving violations that can increase your car
insurance rates in Red Oak GA. For example, the car
insurance in Red Oak
after a DUI increases to $1459 for a six
month policy. While the rate increases by $458 for a six-month policy in the case of
a speeding ticket.
Red Oak auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1716
$286
One Med/PIP claim
$1716
$292
One comp claim
$1724
$288
Two Med/PIP claims
$1724
$293
Not-at-fault accident
$1732
$289
Two comp claims
$1756
$298
Driving without lights
$2070
$344
Failure to wear a seat belt
$2070
$352
Child safety restraint
$2093
$348
Failure to show documents
$2093
$356
Cell phone violation
$2141
$356
Texting while driving
$2141
$365
Driving too slowly
$2174
$362
Speeding 6 - 10 MPH over limit
$2174
$370
Speeding in school zone
$2174
$362
Speeding 11 - 15 MPH over limit
$2182
$371
Driving with expired registration
$2190
$365
Failure to yield
$2190
$373
Following too closely
$2190
$365
Illegal turn
$2190
$373
Failure to stop at a red light
$2198
$366
Improper passing
$2198
$374
Speeding 16 - 20 MPH over limit
$2198
$366
Wrong way/wrong lane
$2198
$374
Speeding 21 - 25 MPH over limit
$2221
$370
Passing school bus
$2261
$385
In 65 MPH zone
$2269
$378
Open container
$2302
$392
At-fault accident - less than $1000
$2310
$385
Operating a vehicle without permission
$2341
$398
At-fault accident - $1000-$2000
$2518
$420
At-fault accident - greater than $2000
$2534
$431
Refusal to submit to a chemical test
$2967
$494
Reckless driving
$3055
$520
Racing
$3128
$521
Driving with a suspended license
$3136
$533
DUI
$3175
$529
Leaving scene of an accident/hit and run
$3256
$554
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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 Red Oak 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 Red Oak.
The cheapest car insurance premiums in
Red Oak are
offered by Mercury at $513 for a six-month policy.
However, it can be as
expensive as $2310 with companies
like Progressive.
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 Red Oak are offered by AutoOwners Insurance Co
at $344. However,
it can be as expensive as $2622
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Red Oak after Speeding ticket
Car insurance rates in Red Oak have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Red Oak rose by
$304 in December
compared to $298 of November. In other words, there has been an increase by $6 when you
compare December and November.
The average cost of liability insurance in the Red Oak rose to $97 in December,
compared to $92 in November.
This represents an increase of $5
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Red Oak. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Red Oak?
The car insurance in Red Oak is $50 per month, which is lower than the national average.
What is the cheapest car insurance in Red Oak?
The cheapest car insurance in Red Oak
is $86 per month
for full coverage.
How much is car insurance in Red Oak for teenagers?
Car insurance for teenagers costs $425 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
Red Oak?
The average cost of car insurance is $1026 for a six-month
policy. It will cost around $232 per month to insure your
car in Red Oak.
Is car insurance expensive in Red Oak?
Car insurance can be expensive in Red Oak if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Red Oak can be
affordable.
What is the best car insurance in Red Oak,
GA?
The best car insurance company in Red Oak
GA is
Country Financial, offering $505 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Red Oak, GA
Car Insurance Rates by State in the USA (2025 Update)
Red Oak Car Insurance
