Cheapest Car Insurance Quotes in Oakdale

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Oakdale Car Insurance

^$ 37

/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 Oakdale

The car insurance rate in Oakdale is $1447 for a six-month policy, which is $60 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $468, making it a popular choice for budget-conscious drivers. Rates in Oakdale 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 Oakdale

$1447

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in Oakdale

1st place: Louisiana Farm Bureau

At $468 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 $1020 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 $1061 for six months, making it the third cheapest auto insurance company in Oakdale.

Oakdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oakdale, LA is Louisiana Farm Bureau, offering policies at just $468 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1020.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2064 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oakdale drivers find the best deals.

Cheap Car Insurance Companies in Oakdale, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$468	$78
Farm Bureau	$1020	$172
Southern Farm Bureau	$1061	$177
USAA	$1380	$232
Progressive	$1517	$255
State Farm	$1608	$271
Safeway	$1688	$284
SafeAuto	$1813	$308
Encompass	$1854	$309
Allstate	$2064	$348

Key Takeaways

Way's key takeaways about car insurance in Oakdale

The auto insurance costs in Oakdale fall around $468 for six months.
The cheapest auto insurance company in Oakdale is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Oakdale at $120 per month.

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Cheapest Minimum Liability Car Insurance in Oakdale

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 Oakdale are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Oakdale. Their Average 6 Month Premium is $223. AAA is the most expensive at $462 for the same period.

Cheapest Liability Coverage in Oakdale, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$223	$37
Farm Bureau	$348	$59
Southern Farm Bureau	$371	$61
State Farm	$456	$77
USAA	$456	$77
Progressive	$479	$81
Allstate	$621	$105
SafeAuto	$650	$110
Safeway	$684	$115
AAA	$462	$77

Cheapest Full Coverage Car Insurance in Oakdale

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 Oakdale is Louisiana Farm Bureau at $78 per month and $468 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oakdale, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$468	$78
Farm Bureau	$1020	$172
Southern Farm Bureau	$1061	$177
USAA	$1380	$232
Progressive	$1517	$255
State Farm	$1608	$271
Safeway	$1688	$284
SafeAuto	$1813	$308
Encompass	$1854	$309
Allstate	$2064	$348

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Average Car Insurance in Oakdale 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 Oakdale, LA increasing?

Despite maintaining a clean driving record, your car insurance rates in Oakdale, 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, Oakdale's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Oakdale

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	$958
30s	USAA	$778
40s	USAA	$716
50s	USAA	$684
60s	USAA	$731
70s	USAA	$749

Cheapest Car Insurance Rates for Teen Drivers in Oakdale,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 Oakdale at $60 per month. At $708 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	$365	$60
Farm Bureau	$1602	$273
State Farm	$2058	$347
USAA	$2612	$444
Safeway	$3974	$662
Allstate	$4271	$726
Progressive	$4516	$760
AAA	$708	$120

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 Oakdale.

As young drivers face the highest rates in Oakdale, USAA offers the cheapest auto insurance rates at $958 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 Oakdale, Louisiana Farm Bureau is the cheapest car insurance provider. At $399 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 Oakdale is State Farm, offering rates of around $6232 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$399	$68
Allstate	$1414	$236
Farm Bureau	$1476	$252
Safeway	$1648	$275
Progressive	$1665	$280
USAA	$1728	$288
State Farm	$6232	$1060

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Car Insurance Rates with An Accident in Oakdale

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

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

The cheapest car insurance companies after an at-fault accident in Oakdale include Louisiana Farm Bureau and State Farm, offering $291 and $867, respectively. Allstate is an expensive provider with an average six-month premium of $1602.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$291	$48
State Farm	$867	$146
Farm Bureau	$1055	$176
USAA	$1187	$200
Progressive	$1272	$214
Safeway	$1460	$246
Allstate	$1602	$270

Oakdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oakdale LA. For example, the car insurance in Oakdale after a DUI increases to $1358 for a six month policy. While the rate increases by $394 for a six-month policy in the case of a speeding ticket.

Oakdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1573	$262
One Med/PIP claim	$1573	$268
Two Med/PIP claims	$1591	$265
Not-at-fault accident	$1596	$272
One comp claim	$1602	$267
Two comp claims	$1660	$282
Failure to wear a seat belt	$1854	$309
Failure to show documents	$1876	$319
Child safety restraint	$1905	$318
Driving without lights	$1905	$324
Driving with expired registration	$1939	$324
Driving too slowly	$1967	$334
Speeding 11 - 15 MPH over limit	$1967	$328
Speeding 16 - 20 MPH over limit	$1967	$334
Speeding 6 - 10 MPH over limit	$1967	$328
Speeding in school zone	$1967	$334
In 65 MPH zone	$1973	$329
Cell phone violation	$1990	$338
Texting while driving	$1990	$332
Wrong way/wrong lane	$1990	$338
At-fault accident - less than $1000	$2002	$333
Failure to stop at a red light	$2002	$341
Failure to yield	$2002	$333
Following too closely	$2002	$341
Illegal turn	$2002	$333
Improper passing	$2002	$341
Passing school bus	$2019	$336
Speeding 21 - 25 MPH over limit	$2019	$344
Open container	$2076	$346
Operating a vehicle without permission	$2219	$377
At-fault accident - $1000-$2000	$2275	$379
At-fault accident - greater than $2000	$2275	$387
Reckless driving	$2748	$458
Refusal to submit to a chemical test	$2795	$475
DUI	$2931	$489
Racing	$2954	$502
Leaving scene of an accident/hit and run	$2977	$496
Driving with a suspended license	$2988	$508

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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 Oakdale 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 Oakdale.

The cheapest car insurance premiums in Oakdale are offered by Louisiana Farm Bureau at $320 for a six-month policy. However, it can be as expensive as $776 with companies like AAA.

Oakdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$320	$55
Farm Bureau	$1094	$182
Southern Farm Bureau	$1317	$224
Progressive	$1500	$252
USAA	$2042	$344
Safeway	$2047	$345
State Farm	$2104	$354
Allstate	$2555	$430
AAA	$776	$132

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 Oakdale are offered by Louisiana Farm Bureau at $262. However, it can be as expensive as $1831 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Oakdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$262	$44
State Farm	$890	$150
Farm Bureau	$935	$159
Progressive	$1243	$209
USAA	$1369	$232
Safeway	$1688	$281
Allstate	$1831	$311

Car Insurance Price Trends in Oakdale, Louisiana

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

The average cost of full coverage in the Oakdale rose by $291 in December compared to $287 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 Oakdale rose to $80 in December, compared to $73 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 Oakdale?

The car insurance in Oakdale is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Oakdale?

The cheapest car insurance in Oakdale is $78 per month for full coverage.

How much is car insurance in Oakdale for teenagers?

Car insurance for teenagers costs $365 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 Oakdale?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $243 per month to insure your car in Oakdale.

Is car insurance expensive in Oakdale?

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

What is the best car insurance in Oakdale, LA?

The best car insurance company in Oakdale LA is Louisiana Farm Bureau, offering $468 for a six-month policy.