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Oakland Car Insurance
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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.
The car insurance rate in the Oakland is $736, which is $64 lower than the state average. AutoOwners Insurance Co offers the cheapest insurance rates in the city at $410 for a six-month policy.
$736
$800
$1146
At $410 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.
Westfield offers auto insurance rates at $465 for a six-month policy, making it one of the cheapest to insure with.
Country Financial offers auto insurance rates at $487 for six months, making it the third cheapest auto insurance company in Oakland.
Based on our research, the cheapest car insurance companies in Oakland IL include AutoOwners Insurance Co, offering $410 for a six-month policy. This is followed by Westfield, with an average six-month premium of $465. Allstate is the most expensive, at $1394.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $410 | $68 |
| Westfield | $465 | $79 |
| Country Financial | $487 | $82 |
| Mercury | $487 | $83 |
| Secura | $498 | $83 |
| Travelers | $535 | $90 |
| American Family | $673 | $113 |
| Erie | $705 | $118 |
| Hastings Mutual | $743 | $126 |
| Progressive | $798 | $134 |
| USAA | $847 | $143 |
| Hanover | $864 | $144 |
| State Farm | $864 | $145 |
| Farmers | $1279 | $215 |
| Allstate | $1394 | $235 |
Save up to $971/yr with our auto insurance quotes
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.
Mercury provides the cheapest minimum car insurance coverage in Oakland. Their Average 6 Month Premium is $137. Farmers is the most expensive at $684 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $137 | $23 |
| Westfield | $147 | $25 |
| Hanover | $164 | $28 |
| Secura | $164 | $28 |
| Auto-Owners Insurance Co | $175 | $29 |
| First Chicago | $180 | $30 |
| Country Financial | $186 | $31 |
| Erie | $208 | $35 |
| Travelers | $219 | $37 |
| Auto-Owners | $229 | $39 |
| AAA | $235 | $40 |
| American Family | $290 | $49 |
| USAA | $295 | $50 |
| State Farm | $301 | $51 |
| Progressive | $355 | $60 |
| Allstate | $541 | $91 |
| Farmers | $684 | $116 |
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 $68 per month and $410 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $410 | $68 |
| Westfield | $465 | $79 |
| Country Financial | $487 | $82 |
| Mercury | $487 | $83 |
| Secura | $498 | $83 |
| Travelers | $535 | $90 |
| American Family | $673 | $113 |
| Erie | $705 | $118 |
| Hastings Mutual | $743 | $126 |
| Progressive | $798 | $134 |
| USAA | $847 | $143 |
| Hanover | $864 | $144 |
| State Farm | $864 | $145 |
| Farmers | $1279 | $215 |
| Allstate | $1394 | $235 |
Get Your Car Insurance Quote in Oakland Instantly!
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.
Despite maintaining a clean driving record, your car insurance rates in Oakland, Illinois, may be increasing due to several external factors. Illinois 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.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Auto-Owners | $650 |
| 30s | Auto-Owners | $450 |
| 40s | Auto-Owners | $442 |
| 50s | Auto-Owners | $417 |
| 60s | Auto-Owners | $438 |
| 70s | Auto-Owners | $556 |
If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Oakland at $29 per month. At $6514 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $175 | $29 |
| Mercury | $202 | $34 |
| Auto-Owners Insurance Co | $219 | $37 |
| AAA | $312 | $52 |
| Country Financial | $743 | $125 |
| Erie | $907 | $153 |
| Travelers | $967 | $163 |
| USAA | $1684 | $283 |
| American Family | $2017 | $339 |
| State Farm | $2902 | $489 |
| Progressive | $2907 | $489 |
| Allstate | $3377 | $569 |
| Farmers | $6514 | $1108 |
Teen Car Insurance Rates in IL by Age
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.
For those with poor credit scores in Oakland, Mercury is the cheapest car insurance provider. At $208 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 $2858 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $208 | $35 |
| Westfield | $273 | $46 |
| Hanover | $366 | $63 |
| Country Financial | $546 | $92 |
| Travelers | $606 | $102 |
| Progressive | $868 | $146 |
| American Family | $1065 | $179 |
| USAA | $1415 | $236 |
| Allstate | $2323 | $395 |
| Farmers | $2673 | $445 |
| State Farm | $2858 | $486 |
Save up to $971/yr on car insurance rates 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, IL, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Oakland include Secura and AutoOwners Insurance Co, offering $197 and $229, respectively. Farmers is an expensive provider with an average six-month premium of $2459.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Secura | $197 | $33 |
| Auto-Owners Insurance Co | $229 | $39 |
| Westfield | $235 | $40 |
| First Chicago | $251 | $42 |
| Hastings Mutual | $273 | $47 |
| Mercury | $295 | $50 |
| AAA | $388 | $66 |
| Travelers | $470 | $79 |
| Erie | $524 | $88 |
| Country Financial | $535 | $90 |
| State Farm | $792 | $133 |
| USAA | $814 | $137 |
| American Family | $913 | $154 |
| Progressive | $1317 | $222 |
| Allstate | $2410 | $406 |
| Farmers | $2459 | $410 |
Here is a list of driving violations that can increase your car insurance rates in Oakland IL. For example, the car insurance in Oakland after a DUI increases to $754 for a six month policy. While the rate increases by $202 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $902 | $150 |
| One Med/PIP claim | $907 | $155 |
| Not-at-fault accident | $957 | $159 |
| One comp claim | $978 | $167 |
| Two Med/PIP claims | $978 | $163 |
| Failure to wear a seat belt | $1049 | $178 |
| Driving without lights | $1060 | $177 |
| Child safety restraint | $1065 | $181 |
| Two comp claims | $1065 | $178 |
| Failure to show documents | $1082 | $184 |
| Speeding 6 - 10 MPH over limit | $1104 | $184 |
| Driving with expired registration | $1110 | $189 |
| Speeding 11 - 15 MPH over limit | $1132 | $189 |
| Driving too slowly | $1137 | $193 |
| Failure to yield | $1137 | $190 |
| Illegal turn | $1137 | $193 |
| At-fault accident - less than $1000 | $1147 | $191 |
| Failure to stop at a red light | $1147 | $195 |
| Following too closely | $1147 | $191 |
| Speeding 16 - 20 MPH over limit | $1153 | $196 |
| Speeding in school zone | $1153 | $192 |
| Improper passing | $1158 | $197 |
| Wrong way/wrong lane | $1158 | $193 |
| Cell phone violation | $1180 | $201 |
| Texting while driving | $1180 | $197 |
| Passing school bus | $1191 | $202 |
| In 65 MPH zone | $1197 | $200 |
| Speeding 21 - 25 MPH over limit | $1208 | $205 |
| Operating a vehicle without permission | $1230 | $205 |
| At-fault accident - $1000-$2000 | $1306 | $222 |
| At-fault accident - greater than $2000 | $1328 | $222 |
| Open container | $1372 | $234 |
| Reckless driving | $1591 | $265 |
| Racing | $1606 | $273 |
| Driving with a suspended license | $1639 | $273 |
| Refusal to submit to a chemical test | $1650 | $281 |
| DUI | $1656 | $276 |
| Leaving scene of an accident/hit and run | $1673 | $284 |
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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.
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 Mercury at $208 for a six-month policy. However, it can be as expensive as $2344 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $208 | $35 |
| Travelers | $558 | $94 |
| Erie | $639 | $108 |
| Progressive | $673 | $113 |
| Country Financial | $842 | $142 |
| American Family | $1033 | $174 |
| State Farm | $1121 | $189 |
| USAA | $1312 | $221 |
| Allstate | $2060 | $347 |
| Farmers | $2344 | $391 |
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 Westfield at $175. However, it can be as expensive as $4295 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $175 | $29 |
| Auto-Owners Insurance Co | $197 | $33 |
| Mercury | $213 | $36 |
| Erie | $229 | $39 |
| Hanover | $262 | $44 |
| Country Financial | $552 | $93 |
| USAA | $716 | $120 |
| State Farm | $978 | $167 |
| Travelers | $1110 | $185 |
| Progressive | $1147 | $195 |
| American Family | $1273 | $214 |
| Allstate | $3651 | $621 |
| Farmers | $4295 | $716 |
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 rose by $171 in August compared to $170 of July. In other words, there has been an increase by $1 when you compare August and July.
The average cost of liability insurance in the Oakland remained steady at $44 in both August and July, indicating no change over the two month period.
How much is car insurance in Oakland?
The car insurance in Oakland is $23 per month, which is lower than the national average.
What is the cheapest car insurance in Oakland?
The cheapest car insurance in Oakland is $68 per month for full coverage.
How much is car insurance in Oakland for teenagers?
Car insurance for teenagers costs $175 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 $800 for a six-month policy. It will cost around $123 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.
What is the best car insurance in Oakland, IL?
The best car insurance company in Oakland IL is AutoOwners Insurance Co, offering $410 for a six-month policy.
Cut auto insurance costs in Oakland right now.