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Finding the cheapest car insurance quotes in White 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 White Oak
The car insurance rate in White Oak is $906 for a six-month policy, which is $147 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $322, making it a popular choice for budget-conscious drivers. Rates in White 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 $322 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 $424 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Georgia Farm Bureau
Georgia Farm Bureau offers auto insurance
rates at $624
for six months, making it
the third cheapest auto insurance company in White Oak.
White Oak Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in White Oak, GA is Country Financial, offering policies at just $322 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $424.
At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1456 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help White Oak drivers find the best deals.
Way's key takeaways about car insurance in White Oak
The auto insurance costs in White Oak fall around $322 for six
months.
The cheapest auto insurance company in White Oak is AutoOwners Insurance Co.
Teen drivers pay the highest rate in White Oak at $873 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 White 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 White Oak are given below.
AutoOwners Insurance Co provides
the cheapest minimum car insurance
coverage in White Oak. Their Average 6 Month Premium is $189.
State Farm is the most
expensive at $669 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 White Oak is Country Financial
at $53 per month and $322
for six months.
Cheapest Full Coverage Car Insurance Quotes in White Oak,
GA
Get Your Car Insurance Quote in White Oak
Instantly!
Average Car Insurance in White 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 White Oak, GA increasing?
Despite maintaining a clean driving record, your car insurance rates
in White 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, White 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 White 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
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Cheapest Car Insurance Rates for Teen Drivers in
White 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 White Oak at $45
per
month. At $5185 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in White Oak.
As young drivers face the highest rates in White Oak, N/A
offers the cheapest auto insurance rates at $N/A 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 White Oak,
Country Financial is
the cheapest car insurance provider. At $266 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
White Oak is Allstate, offering
rates of around $2176 for six
months.
Save up to $971/yr on car insurance rates in White Oak.
Car Insurance Rates with An Accident in White 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 White Oak, GA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in White Oak
The cheapest car insurance companies after an at-fault accident in
White Oak include AutoOwners Insurance Co
and Country Financial, offering $281
and $434,
respectively. State Farm is an expensive provider
with an average six-month premium of
$1783.
Here is a list of driving violations that can increase your car
insurance rates in White Oak GA. For example, the car
insurance in White Oak
after a DUI increases to $930 for a six
month policy. While the rate increases by $292 for a six-month policy in the case of
a speeding ticket.
White Oak auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1093
$182
One Med/PIP claim
$1093
$186
One comp claim
$1098
$183
Two Med/PIP claims
$1098
$187
Not-at-fault accident
$1103
$184
Two comp claims
$1119
$190
Driving without lights
$1318
$219
Failure to wear a seat belt
$1318
$224
Child safety restraint
$1333
$222
Failure to show documents
$1333
$227
Cell phone violation
$1364
$227
Texting while driving
$1364
$232
Driving too slowly
$1385
$230
Speeding 6 - 10 MPH over limit
$1385
$236
Speeding in school zone
$1385
$230
Speeding 11 - 15 MPH over limit
$1390
$237
Driving with expired registration
$1395
$232
Failure to yield
$1395
$237
Following too closely
$1395
$232
Illegal turn
$1395
$237
Failure to stop at a red light
$1400
$233
Improper passing
$1400
$238
Speeding 16 - 20 MPH over limit
$1400
$233
Wrong way/wrong lane
$1400
$238
Speeding 21 - 25 MPH over limit
$1415
$236
Passing school bus
$1441
$245
In 65 MPH zone
$1446
$241
Open container
$1466
$249
At-fault accident - less than $1000
$1471
$245
Operating a vehicle without permission
$1491
$254
At-fault accident - $1000-$2000
$1604
$267
At-fault accident - greater than $2000
$1614
$274
Refusal to submit to a chemical test
$1890
$315
Reckless driving
$1946
$331
Racing
$1993
$332
Driving with a suspended license
$1998
$340
DUI
$2023
$337
Leaving scene of an accident/hit and run
$2074
$353
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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 White 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 White Oak.
The cheapest car insurance premiums in
White Oak are
offered by Mercury at $327 for a six-month policy.
However, it can be as
expensive as $1656 with companies
like State Farm.
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 White Oak are offered by AutoOwners Insurance Co
at $219. However,
it can be as expensive as $1471
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in White Oak after Speeding ticket
Car insurance rates in White Oak have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the White Oak dipped by
$184 in January
compared to $194 of December. In other words, there has been an decrease by $10 when you
compare January and December.
The average cost of liability insurance in the White Oak dipped to $61 in January,
compared to $62 in December.
This represents an decrease of $1
when comparing January and December.
Average Car Insurance Cost in White Oak by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
White Oak. At $1811 for a
six-month policy, insuring
your car at 31568 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 White Oak?
The car insurance in White Oak is $32 per month, which is lower than the national average.
What is the cheapest car insurance in White Oak?
The cheapest car insurance in White Oak
is $53 per month
for full coverage.
How much is car insurance in White Oak for teenagers?
Car insurance for teenagers costs $271 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
White Oak?
The average cost of car insurance is $1053 for a six-month
policy. It will cost around $152 per month to insure your
car in White Oak.
Is car insurance expensive in White Oak?
Car insurance can be expensive in White Oak if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in White Oak can be
affordable.
What is the best car insurance in White Oak,
GA?
The best car insurance company in White Oak
GA is
Country Financial, offering $322 for a
six-month policy.
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Find Car Insurance Rates in Cities Near White Oak, GA
Car Insurance Rates by State in the USA (2025 Update)
White Oak Car Insurance
