Cheapest Car Insurance Quotes in Oak Grove

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Oak Grove Car Insurance

^$ 34

/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 Oak Grove

The car insurance rate in Oak Grove is $1470 for a six-month policy, which is $220 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $424, making it a popular choice for budget-conscious drivers. Rates in Oak Grove 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 Oak Grove

$1470

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Oak Grove

1st place: Louisiana Farm Bureau

At $424 for a six month policy, Louisiana Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $961 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1276 for six months, making it the third cheapest auto insurance company in Oak Grove.

Oak Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oak Grove, LA is Louisiana Farm Bureau, offering policies at just $424 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $961.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2062 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oak Grove drivers find the best deals.

Cheap Car Insurance Companies in Oak Grove, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$424	$72
Southern Farm Bureau	$961	$160
USAA	$1276	$215
Progressive	$1436	$242
Farm Bureau	$1499	$252
State Farm	$1582	$266
Safeway	$1617	$272
SafeAuto	$1643	$274
Encompass	$1680	$285
Allstate	$2000	$337
AAA	$2062	$351

Key Takeaways

Way's key takeaways about car insurance in Oak Grove

The auto insurance costs in Oak Grove fall around $424 for six months.
The cheapest auto insurance company in Oak Grove is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Oak Grove at $1041 per month.

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Cheapest Minimum Liability Car Insurance in Oak Grove

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 Oak Grove are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Oak Grove. Their Average 6 Month Premium is $202. Safeway is the most expensive at $631 for the same period.

Cheapest Liability Coverage in Oak Grove, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$202	$34
Southern Farm Bureau	$336	$57
USAA	$424	$71
Progressive	$434	$73
State Farm	$455	$77
Farm Bureau	$522	$88
AAA	$538	$90
Allstate	$543	$91
SafeAuto	$589	$98
Safeway	$631	$106

Cheapest Full Coverage Car Insurance in Oak Grove

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 Oak Grove is Louisiana Farm Bureau at $72 per month and $424 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oak Grove, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$424	$72
Southern Farm Bureau	$961	$160
USAA	$1276	$215
Progressive	$1436	$242
Farm Bureau	$1499	$252
State Farm	$1582	$266
Safeway	$1617	$272
SafeAuto	$1643	$274
Encompass	$1680	$285
Allstate	$2000	$337
AAA	$2062	$351

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Average Car Insurance in Oak Grove 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 Oak Grove, LA increasing?

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

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

Car Insurance Premiums by Age in Oak Grove

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	$868
30s	USAA	$705
40s	USAA	$649
50s	USAA	$620
60s	USAA	$662
70s	USAA	$679

Cheapest Car Insurance Rates for Teen Drivers in Oak Grove,LA

If you are planning to get a car insurance policy for your teenage dependent, Louisiana Farm Bureau provides the cheapest car insurance in the Oak Grove at $55 per month. At $6124 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$331	$55
State Farm	$2517	$424
USAA	$2687	$448
Safeway	$4108	$699
Allstate	$4568	$761
Progressive	$4744	$799
Farm Bureau	$5375	$896
AAA	$6124	$1041

Teen Car Insurance Rates in LA by Age

Way Tip

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

As young drivers face the highest rates in Oak Grove, USAA offers the cheapest auto insurance rates at $868 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 Oak Grove, Louisiana Farm Bureau is the cheapest car insurance provider. At $362 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 Oak Grove is State Farm, offering rates of around $8052 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$362	$62
Allstate	$1540	$257
Progressive	$1726	$291
USAA	$1752	$292
Safeway	$1757	$298
Farm Bureau	$3333	$556
AAA	$5850	$994
State Farm	$8052	$1342

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Car Insurance Rates with An Accident in Oak Grove

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 Oak Grove, LA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Oak Grove

The cheapest car insurance companies after an at-fault accident in Oak Grove include Louisiana Farm Bureau and State Farm, offering $264 and $1034, respectively. AAA is an expensive provider with an average six-month premium of $3303.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$264	$44
State Farm	$1034	$174
USAA	$1163	$196
Progressive	$1276	$215
Safeway	$1489	$251
Farm Bureau	$1612	$274
Allstate	$1638	$276
AAA	$3303	$561

Oak Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oak Grove LA. For example, the car insurance in Oak Grove after a DUI increases to $1230 for a six month policy. While the rate increases by $357 for a six-month policy in the case of a speeding ticket.

Oak Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1426	$238
One Med/PIP claim	$1426	$243
Two Med/PIP claims	$1442	$240
Not-at-fault accident	$1447	$246
One comp claim	$1452	$242
Two comp claims	$1504	$256
Failure to wear a seat belt	$1680	$280
Failure to show documents	$1700	$289
Child safety restraint	$1726	$288
Driving without lights	$1726	$293
Driving with expired registration	$1757	$293
Driving too slowly	$1783	$303
Speeding 11 - 15 MPH over limit	$1783	$298
Speeding 16 - 20 MPH over limit	$1783	$303
Speeding 6 - 10 MPH over limit	$1783	$298
Speeding in school zone	$1783	$303
In 65 MPH zone	$1788	$298
Cell phone violation	$1804	$306
Texting while driving	$1804	$301
Wrong way/wrong lane	$1804	$306
At-fault accident - less than $1000	$1814	$302
Failure to stop at a red light	$1814	$309
Failure to yield	$1814	$302
Following too closely	$1814	$309
Illegal turn	$1814	$302
Improper passing	$1814	$309
Passing school bus	$1830	$305
Speeding 21 - 25 MPH over limit	$1830	$311
Open container	$1881	$313
Operating a vehicle without permission	$2011	$342
At-fault accident - $1000-$2000	$2062	$344
At-fault accident - greater than $2000	$2062	$351
Reckless driving	$2491	$415
Refusal to submit to a chemical test	$2533	$431
DUI	$2656	$443
Racing	$2677	$455
Leaving scene of an accident/hit and run	$2698	$450
Driving with a suspended license	$2708	$460

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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 Oak Grove 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 Oak Grove.

The cheapest car insurance premiums in Oak Grove are offered by Louisiana Farm Bureau at $290 for a six-month policy. However, it can be as expensive as $3055 with companies like AAA.

Oak Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$290	$48
Southern Farm Bureau	$1194	$203
Progressive	$1457	$245
Farm Bureau	$1612	$274
USAA	$1969	$331
Safeway	$2036	$343
State Farm	$2269	$382
Allstate	$2491	$419
AAA	$3055	$509

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 Oak Grove are offered by Louisiana Farm Bureau at $238. However, it can be as expensive as $2868 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Oak Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$238	$40
State Farm	$1065	$179
Progressive	$1287	$217
USAA	$1395	$238
Farm Bureau	$1612	$269
Safeway	$1793	$305
Allstate	$2005	$334
AAA	$2868	$488

Car Insurance Price Trends in Oak Grove, Louisiana

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

The average cost of full coverage in the Oak Grove rose by $324 in January compared to $264 of December. In other words, there has been an increase by $60 when you compare January and December.

The average cost of liability insurance in the Oak Grove rose to $77 in January, compared to $74 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Oak Grove?

The car insurance in Oak Grove is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Oak Grove?

The cheapest car insurance in Oak Grove is $72 per month for full coverage.

How much is car insurance in Oak Grove for teenagers?

Car insurance for teenagers costs $331 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 Oak Grove?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $247 per month to insure your car in Oak Grove.

Is car insurance expensive in Oak Grove?

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

What is the best car insurance in Oak Grove, LA?

The best car insurance company in Oak Grove LA is Louisiana Farm Bureau, offering $424 for a six-month policy.