Cheapest Car Insurance Quotes in Oakbrook

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Oakbrook Car Insurance

^$ 19

/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 Oakbrook

The car insurance rate in Oakbrook is $767 for a six-month policy, which is $255 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $326, making it a popular choice for budget-conscious drivers. Rates in Oakbrook 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 Oakbrook

$767

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Oakbrook

1st place: AutoOwners Insurance Co

At $326 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Cincinnati

Cincinnati offers auto insurance rates at $356 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Kentucky Farm Bureau

Kentucky Farm Bureau offers auto insurance rates at $468 for six months, making it the third cheapest auto insurance company in Oakbrook.

Oakbrook Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oakbrook, KY is AutoOwners Insurance Co, offering policies at just $326 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $356.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $891 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oakbrook drivers find the best deals.

Cheap Car Insurance Companies in Oakbrook, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$326	$56
Cincinnati	$356	$59
Kentucky Farm Bureau	$468	$79
Travelers	$611	$103
Farm Bureau	$629	$107
Shelter	$686	$116
Auto-Owners	$735	$125
Nationwide	$740	$125
USAA	$749	$126
State Farm	$833	$140
Electric	$864	$147
Progressive	$962	$162
Allstate	$1889	$318
Grange	$891	$149

Key Takeaways

Way's key takeaways about car insurance in Oakbrook

The auto insurance costs in Oakbrook fall around $326 for six months.
The cheapest auto insurance company in Oakbrook is Cincinnati.
Teen drivers pay the highest rate in Oakbrook at $1046 per month.

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Cheapest Minimum Liability Car Insurance in Oakbrook

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 Oakbrook are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Oakbrook. Their Average 6 Month Premium is $112. Allstate is the most expensive at $780 for the same period.

Cheapest Liability Coverage in Oakbrook, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$112	$19
Auto-Owners Insurance Co	$152	$26
Kentucky Farm Bureau	$170	$29
Electric	$183	$31
Nationwide	$214	$36
USAA	$223	$38
Farm Bureau	$232	$39
Travelers	$241	$41
Westfield	$250	$41
State Farm	$259	$44
Progressive	$285	$48
Shelter	$303	$51
Auto-Owners	$335	$56
Allstate	$780	$131

Cheapest Full Coverage Car Insurance in Oakbrook

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 Oakbrook is AutoOwners Insurance Co at $56 per month and $326 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oakbrook, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$326	$56
Cincinnati	$356	$59
Kentucky Farm Bureau	$468	$79
Travelers	$611	$103
Farm Bureau	$629	$107
Shelter	$686	$116
Auto-Owners	$735	$125
Nationwide	$740	$125
USAA	$749	$126
State Farm	$833	$140
Electric	$864	$147
Progressive	$962	$162
Allstate	$1889	$318
Grange	$891	$149

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Average Car Insurance in Oakbrook 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 Oakbrook, KY increasing?

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

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

Car Insurance Premiums by Age in Oakbrook

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	USAA	$742
30s	Auto-Owners	$563
40s	Auto-Owners	$550
50s	Auto-Owners	$525
60s	USAA	$546
70s	State Farm	$608

Cheapest Car Insurance Rates for Teen Drivers in Oakbrook,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Oakbrook at $24 per month. At $6210 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$143	$24
Auto-Owners Insurance Co	$214	$36
Kentucky Farm Bureau	$713	$120
Travelers	$962	$162
Farm Bureau	$980	$165
USAA	$1127	$190
Shelter	$1412	$238
State Farm	$1599	$269
Auto-Owners	$2228	$371
Progressive	$2985	$503
Allstate	$6210	$1046

Teen Car Insurance Rates in KY by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Oakbrook.

As young drivers face the highest rates in Oakbrook, USAA offers the cheapest auto insurance rates at $742 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 Oakbrook, Cincinnati is the cheapest car insurance provider. At $191 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 Oakbrook is Allstate, offering rates of around $4046 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$191	$32
Nationwide	$285	$49
Travelers	$802	$135
Progressive	$918	$155
USAA	$1475	$246
Farm Bureau	$1920	$326
Auto-Owners	$2129	$355
Shelter	$2183	$371
State Farm	$2900	$483
Allstate	$4046	$688

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Car Insurance Rates with An Accident in Oakbrook

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 Oakbrook, KY, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Oakbrook include AutoOwners Insurance Co and Electric, offering $227 and $227, respectively. Allstate is an expensive provider with an average six-month premium of $3275.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$227	$38
Electric	$227	$39
Cincinnati	$241	$40
Kentucky Farm Bureau	$330	$56
Farm Bureau	$468	$79
Travelers	$575	$97
State Farm	$597	$101
Shelter	$659	$111
USAA	$686	$116
Auto-Owners	$1011	$172
Progressive	$1132	$191
Allstate	$3275	$551

Oakbrook Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oakbrook KY. For example, the car insurance in Oakbrook after a DUI increases to $931 for a six month policy. While the rate increases by $236 for a six-month policy in the case of a speeding ticket.

Oakbrook auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1087	$182
One Med/PIP claim	$1096	$186
Two Med/PIP claims	$1141	$190
Not-at-fault accident	$1172	$200
One comp claim	$1190	$198
Failure to wear a seat belt	$1203	$205
Failure to show documents	$1243	$207
Two comp claims	$1243	$212
Driving without lights	$1247	$208
Child safety restraint	$1261	$215
Cell phone violation	$1310	$218
Driving with expired registration	$1314	$224
Texting while driving	$1314	$219
Driving too slowly	$1323	$225
Failure to stop at a red light	$1323	$221
Failure to yield	$1323	$225
Speeding 6 - 10 MPH over limit	$1323	$221
Speeding in school zone	$1323	$225
Following too closely	$1328	$221
Illegal turn	$1328	$226
Speeding 11 - 15 MPH over limit	$1328	$221
Wrong way/wrong lane	$1328	$226
Improper passing	$1332	$222
Speeding 16 - 20 MPH over limit	$1332	$227
Speeding 21 - 25 MPH over limit	$1359	$227
In 65 MPH zone	$1368	$233
Passing school bus	$1390	$232
Open container	$1426	$242
At-fault accident - less than $1000	$1452	$242
Operating a vehicle without permission	$1559	$266
At-fault accident - $1000-$2000	$1577	$263
At-fault accident - greater than $2000	$1577	$269
Reckless driving	$1982	$331
Refusal to submit to a chemical test	$2009	$342
DUI	$2018	$336
Driving with a suspended license	$2023	$344
Racing	$2032	$338
Leaving scene of an accident/hit and run	$2054	$350

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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 Oakbrook 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 Oakbrook.

The cheapest car insurance premiums in Oakbrook are offered by Cincinnati at $299 for a six-month policy. However, it can be as expensive as $1697 with companies like AutoOwners.

Oakbrook car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$299	$50
Kentucky Farm Bureau	$397	$68
Travelers	$535	$90
Progressive	$650	$110
Shelter	$655	$110
State Farm	$673	$113
USAA	$758	$128
Allstate	$1444	$243
Farm Bureau	$1466	$245
Auto-Owners	$1697	$289

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 Oakbrook are offered by Cincinnati at $134. However, it can be as expensive as $2223 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Oakbrook after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$134	$23
Kentucky Farm Bureau	$161	$27
Auto-Owners Insurance Co	$183	$31
State Farm	$503	$85
Travelers	$544	$92
Shelter	$584	$98
Farm Bureau	$629	$107
Progressive	$731	$123
Auto-Owners	$749	$128
USAA	$900	$150
Allstate	$2223	$378

Car Insurance Price Trends in Oakbrook, Kentucky

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

The average cost of full coverage in the Oakbrook rose by $167 in December compared to $165 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Oakbrook rose to $47 in December, compared to $45 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Oakbrook?

The car insurance in Oakbrook is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Oakbrook?

The cheapest car insurance in Oakbrook is $56 per month for full coverage.

How much is car insurance in Oakbrook for teenagers?

Car insurance for teenagers costs $143 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 Oakbrook?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $129 per month to insure your car in Oakbrook.

Is car insurance expensive in Oakbrook?

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

Cheapest Car Insurance Quotes in Oakbrook

Why you can trust Way?

How Much Is Car Insurance in Oakbrook

Avg. Car Insurance in Oakbrook

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Oakbrook

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Oakbrook Car Insurance Rates by Company

Cheap Car Insurance Companies in Oakbrook, KY

Way's key takeaways about car insurance in Oakbrook

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oakbrook

Cheapest Liability Coverage in Oakbrook, KY

Cheapest Full Coverage Car Insurance in Oakbrook

Cheapest Full Coverage Car Insurance Quotes in Oakbrook, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oakbrook by Rating Factor

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

Car Insurance Premiums by Age in Oakbrook

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oakbrook,KY

If you are in your twenties USAA is the best choice for car insurance in Oakbrook.

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 Oakbrook

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

Oakbrook Car Insurance Rates by Violation

Oakbrook auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oakbrook after a DUI

Oakbrook car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oakbrook after Speeding ticket

Car Insurance Price Trends in Oakbrook, Kentucky

Average Car Insurance Cost in Oakbrook by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oakbrook, KY

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

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