Cheapest Car Insurance Quotes in Oak Ridge

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Oak Ridge Car Insurance

^$ 35

/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 Ridge

The car insurance rate in Oak Ridge is $1371 for a six-month policy, which is $136 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $443, making it a popular choice for budget-conscious drivers. Rates in Oak Ridge 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 Ridge

$1371

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Oak Ridge

1st place: Louisiana Farm Bureau

At $443 for a six month policy, Louisiana Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Farm Bureau

Farm Bureau offers auto insurance rates at $967 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $1006 for six months, making it the third cheapest auto insurance company in Oak Ridge.

Oak Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oak Ridge, LA is Louisiana Farm Bureau, offering policies at just $443 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $967.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1957 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oak Ridge drivers find the best deals.

Cheap Car Insurance Companies in Oak Ridge, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$443	$74
Farm Bureau	$967	$163
Southern Farm Bureau	$1006	$167
USAA	$1308	$220
Progressive	$1438	$242
State Farm	$1524	$257
Safeway	$1600	$269
SafeAuto	$1719	$292
Encompass	$1757	$293
Allstate	$1957	$329

Key Takeaways

Way's key takeaways about car insurance in Oak Ridge

The auto insurance costs in Oak Ridge fall around $443 for six months.
The cheapest auto insurance company in Oak Ridge is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Oak Ridge at $114 per month.

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Cheapest Minimum Liability Car Insurance in Oak Ridge

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 Ridge are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Oak Ridge. Their Average 6 Month Premium is $211. AAA is the most expensive at $438 for the same period.

Cheapest Liability Coverage in Oak Ridge, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$211	$35
Farm Bureau	$329	$56
Southern Farm Bureau	$351	$58
State Farm	$432	$73
USAA	$432	$73
Progressive	$454	$76
Allstate	$589	$99
SafeAuto	$616	$105
Safeway	$649	$109
AAA	$438	$73

Cheapest Full Coverage Car Insurance in Oak Ridge

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 Ridge is Louisiana Farm Bureau at $74 per month and $443 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oak Ridge, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$443	$74
Farm Bureau	$967	$163
Southern Farm Bureau	$1006	$167
USAA	$1308	$220
Progressive	$1438	$242
State Farm	$1524	$257
Safeway	$1600	$269
SafeAuto	$1719	$292
Encompass	$1757	$293
Allstate	$1957	$329

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Average Car Insurance in Oak Ridge 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 Ridge, LA increasing?

Despite maintaining a clean driving record, your car insurance rates in Oak Ridge, 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 Ridge'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 Ridge

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	$908
30s	USAA	$737
40s	USAA	$679
50s	USAA	$649
60s	USAA	$693
70s	USAA	$710

Cheapest Car Insurance Rates for Teen Drivers in Oak Ridge,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 Ridge at $57 per month. At $671 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	$346	$57
Farm Bureau	$1519	$258
State Farm	$1951	$329
USAA	$2476	$421
Safeway	$3767	$628
Allstate	$4049	$688
Progressive	$4281	$721
AAA	$671	$114

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 Ridge.

As young drivers face the highest rates in Oak Ridge, USAA offers the cheapest auto insurance rates at $908 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 Ridge, Louisiana Farm Bureau is the cheapest car insurance provider. At $379 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 Ridge is State Farm, offering rates of around $5908 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$379	$65
Allstate	$1340	$224
Farm Bureau	$1400	$238
Safeway	$1562	$260
Progressive	$1578	$266
USAA	$1638	$273
State Farm	$5908	$1005

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Car Insurance Rates with An Accident in Oak Ridge

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

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

The cheapest car insurance companies after an at-fault accident in Oak Ridge include Louisiana Farm Bureau and State Farm, offering $276 and $822, respectively. Allstate is an expensive provider with an average six-month premium of $1519.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$276	$46
State Farm	$822	$138
Farm Bureau	$1000	$167
USAA	$1125	$189
Progressive	$1206	$203
Safeway	$1384	$233
Allstate	$1519	$256

Oak Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oak Ridge LA. For example, the car insurance in Oak Ridge after a DUI increases to $1287 for a six month policy. While the rate increases by $374 for a six-month policy in the case of a speeding ticket.

Oak Ridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1491	$248
One Med/PIP claim	$1491	$254
Two Med/PIP claims	$1508	$251
Not-at-fault accident	$1513	$258
One comp claim	$1519	$253
Two comp claims	$1573	$268
Failure to wear a seat belt	$1757	$293
Failure to show documents	$1778	$302
Child safety restraint	$1805	$301
Driving without lights	$1805	$307
Driving with expired registration	$1838	$307
Driving too slowly	$1865	$317
Speeding 11 - 15 MPH over limit	$1865	$311
Speeding 16 - 20 MPH over limit	$1865	$317
Speeding 6 - 10 MPH over limit	$1865	$311
Speeding in school zone	$1865	$317
In 65 MPH zone	$1870	$312
Cell phone violation	$1886	$320
Texting while driving	$1886	$315
Wrong way/wrong lane	$1886	$320
At-fault accident - less than $1000	$1897	$316
Failure to stop at a red light	$1897	$323
Failure to yield	$1897	$316
Following too closely	$1897	$323
Illegal turn	$1897	$316
Improper passing	$1897	$323
Passing school bus	$1914	$319
Speeding 21 - 25 MPH over limit	$1914	$326
Open container	$1967	$328
Operating a vehicle without permission	$2103	$358
At-fault accident - $1000-$2000	$2157	$359
At-fault accident - greater than $2000	$2157	$367
Reckless driving	$2605	$434
Refusal to submit to a chemical test	$2649	$450
DUI	$2778	$463
Racing	$2800	$476
Leaving scene of an accident/hit and run	$2822	$470
Driving with a suspended license	$2833	$481

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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 Ridge 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 Ridge.

The cheapest car insurance premiums in Oak Ridge are offered by Louisiana Farm Bureau at $303 for a six-month policy. However, it can be as expensive as $735 with companies like AAA.

Oak Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$303	$52
Farm Bureau	$1037	$173
Southern Farm Bureau	$1249	$212
Progressive	$1421	$239
USAA	$1936	$326
Safeway	$1940	$327
State Farm	$1995	$336
Allstate	$2422	$408
AAA	$735	$125

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 Ridge are offered by Louisiana Farm Bureau at $248. However, it can be as expensive as $1735 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Oak Ridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$248	$42
State Farm	$844	$142
Farm Bureau	$886	$151
Progressive	$1178	$198
USAA	$1298	$220
Safeway	$1600	$267
Allstate	$1735	$295

Car Insurance Price Trends in Oak Ridge, Louisiana

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

The average cost of full coverage in the Oak Ridge rose by $276 in December compared to $272 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Oak Ridge rose to $76 in December, compared to $69 in November. This represents an increase of $7 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Oak Ridge?

The car insurance in Oak Ridge is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Oak Ridge?

The cheapest car insurance in Oak Ridge is $74 per month for full coverage.

How much is car insurance in Oak Ridge for teenagers?

Car insurance for teenagers costs $346 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 Ridge?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $230 per month to insure your car in Oak Ridge.

Is car insurance expensive in Oak Ridge?

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

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

The best car insurance company in Oak Ridge LA is Louisiana Farm Bureau, offering $443 for a six-month policy.