Cheapest Car Insurance Quotes in Oak Hill

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Oak Hill Car Insurance

^$ 36

/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 Hill

The car insurance rate in Oak Hill is $1364 for a six-month policy, which is $40 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $508, making it a popular choice for budget-conscious drivers. Rates in Oak Hill 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 Hill

$1364

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Oak Hill

1st place: Travelers

At $508 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $649 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $703 for six months, making it the third cheapest auto insurance company in Oak Hill.

Oak Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oak Hill, MI is Travelers, offering policies at just $508 for a six-month term. This is followed by USAA, which has an average six-month premium of $649.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $838 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oak Hill drivers find the best deals.

Cheap Car Insurance Companies in Oak Hill, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$508	$85
USAA	$649	$109
Encompass	$703	$119
Auto-Owners Insurance Co	$722	$121
Chubb	$759	$129
Farm Bureau Ins of MI	$893	$149
Auto-Owners	$936	$158
AAA	$942	$159
Pioneer State Mutual Ins Co	$972	$166
Progressive	$997	$168
Westfield	$1211	$204
Farm Bureau	$1731	$288
Pioneer State Mutual	$1885	$320
State Farm	$2013	$339
Frankenmuth	$2141	$365
Bristol West	$2416	$403
Allstate	$1854	$315
Farmers	$3756	$639
Hastings Mutual	$838	$140

Key Takeaways

Way's key takeaways about car insurance in Oak Hill

The auto insurance costs in Oak Hill fall around $508 for six months.
The cheapest auto insurance company in Oak Hill is Travelers.
Teen drivers pay the highest rate in Oak Hill at $995 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Oak Hill

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 Hill are given below.

Travelers provides the cheapest minimum car insurance coverage in Oak Hill. Their Average 6 Month Premium is $214. Farmers is the most expensive at $1952 for the same period.

Cheapest Liability Coverage in Oak Hill, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$214	$36
Westfield	$227	$38
USAA	$269	$45
Encompass	$294	$49
Chubb	$312	$54
Auto-Owners Insurance Co	$337	$56
Auto-Owners	$373	$63
Progressive	$422	$71
AAA	$428	$73
Farm Bureau Ins of MI	$435	$72
Farm Bureau	$545	$93
Pioneer State Mutual	$551	$92
Frankenmuth	$649	$110
State Farm	$1003	$169
Bristol West	$1009	$172
Allstate	$789	$134
Farmers	$1952	$325

Cheapest Full Coverage Car Insurance in Oak Hill

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 Hill is Travelers at $85 per month and $508 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oak Hill, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$508	$85
USAA	$649	$109
Encompass	$703	$119
Auto-Owners Insurance Co	$722	$121
Chubb	$759	$129
Farm Bureau Ins of MI	$893	$149
Auto-Owners	$936	$158
AAA	$942	$159
Pioneer State Mutual Ins Co	$972	$166
Progressive	$997	$168
Westfield	$1211	$204
Farm Bureau	$1731	$288
Pioneer State Mutual	$1885	$320
State Farm	$2013	$339
Frankenmuth	$2141	$365
Bristol West	$2416	$403
Allstate	$1854	$315
Farmers	$3756	$639
Hastings Mutual	$838	$140

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Average Car Insurance in Oak Hill 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 Hill, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Oak Hill, Michigan, may be increasing due to several external factors. Michigan 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 Hill'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 Hill

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

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Cheapest Car Insurance Rates for Teen Drivers in Oak Hill,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Oak Hill at $42 per month. At $5971 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$251	$42
Westfield	$269	$45
Encompass	$294	$49
Chubb	$349	$60
Auto-Owners Insurance Co	$367	$61
Grange	$477	$81
USAA	$1034	$174
Auto-Owners	$1297	$218
AAA	$1683	$283
Progressive	$2374	$400
Farm Bureau	$2826	$471
Pioneer State Mutual	$3316	$563
Frankenmuth	$3952	$659
State Farm	$5556	$945
Allstate	$4014	$683
Farmers	$17229	$2929
Bristol West	$5971	$995

Teen Car Insurance Rates in MI by Age

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 Hill, Travelers is the cheapest car insurance provider. At $410 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 Hill is Farm Bureau Ins of MI, offering rates of around $1297 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$410	$68
Encompass	$422	$72
Progressive	$593	$99
Westfield	$624	$106
Auto-Owners Insurance Co	$661	$110
Pioneer State Mutual Ins Co	$808	$137
Grange	$1022	$170
Farm Bureau Ins of MI	$1297	$220

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Save up to $971/yr on car insurance rates in Oak Hill.

Car Insurance Rates with An Accident in Oak Hill

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 Hill, MI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Oak Hill include Chubb and Westfield, offering $312 and $331, respectively. Pioneer State is an expensive provider with an average six-month premium of $489.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$312	$54
Westfield	$331	$55
Auto-Owners Insurance Co	$385	$66
Encompass	$435	$72
Farm Bureau Ins of MI	$514	$88
Pioneer State Mutual Ins Co	$569	$95
Travelers	$606	$102
USAA	$789	$133
Progressive	$936	$158
Auto-Owners	$1089	$183
AAA	$1297	$218
Farm Bureau	$2117	$353
Pioneer State Mutual	$2258	$384
State Farm	$2551	$425
Frankenmuth	$2753	$469
Allstate	$2955	$492
Farmers	$5280	$898
Pioneer State	$489	$81

Oak Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oak Hill MI. For example, the car insurance in Oak Hill after a DUI increases to $2472 for a six month policy. While the rate increases by $1346 for a six-month policy in the case of a speeding ticket.

Oak Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1346	$225
Failure to wear a seat belt	$1597	$272
Cell phone violation	$1694	$282
Texting while driving	$1694	$288
Illegal turn	$1701	$283
Wrong way/wrong lane	$1701	$289
Speeding in school zone	$1725	$287
Driving with expired registration	$1738	$296
Failure to stop at a red light	$1756	$293
Improper passing	$1756	$299
Speeding 16 - 20 MPH over limit	$1952	$325
Open container	$2300	$391
Driving with a suspended license	$2576	$430
Racing	$3322	$564
Reckless driving	$3610	$602
Leaving scene of an accident/hit and run	$3702	$629
DUI	$3818	$637

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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 Hill 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 Hill.

The cheapest car insurance premiums in Oak Hill are offered by Chubb at $312 for a six-month policy. However, it can be as expensive as $9642 with companies like Allstate.

Oak Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$312	$52
Auto-Owners Insurance Co	$826	$140
Grange	$832	$139
Farmers	$845	$143
Progressive	$930	$157
Pioneer State Mutual Ins Co	$1003	$171
USAA	$1113	$187
Travelers	$1230	$209
Auto-Owners	$1989	$335
Westfield	$2025	$341
AAA	$2233	$376
Bristol West	$2863	$487
Pioneer State Mutual	$3604	$600
Farm Bureau	$4239	$721
State Farm	$5244	$883
Frankenmuth	$9489	$1614
Allstate	$9642	$1607

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 Hill are offered by Westfield at $269. However, it can be as expensive as $12169 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Oak Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$269	$45
Chubb	$312	$52
Encompass	$331	$57
Travelers	$404	$67
Auto-Owners Insurance Co	$428	$73
Farm Bureau Ins of MI	$612	$102
Grange	$649	$110
Auto-Owners	$814	$136
USAA	$832	$141
AAA	$1053	$175
Farm Bureau	$1089	$185
Pioneer State Mutual	$1199	$200
Progressive	$1224	$206
Frankenmuth	$1958	$327
State Farm	$3561	$606
Allstate	$2416	$411
Farmers	$12169	$2069

Car Insurance Price Trends in Oak Hill, Michigan

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

The average cost of full coverage in the Oak Hill dipped by $216 in January compared to $276 of December. In other words, there has been an decrease by $60 when you compare January and December.

The average cost of liability insurance in the Oak Hill dipped to $76 in January, compared to $92 in December. This represents an decrease of $16 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Oak Hill?

The car insurance in Oak Hill is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Oak Hill?

The cheapest car insurance in Oak Hill is $85 per month for full coverage.

How much is car insurance in Oak Hill for teenagers?

Car insurance for teenagers costs $251 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 Hill?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $230 per month to insure your car in Oak Hill.

Is car insurance expensive in Oak Hill?

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

Cheapest Car Insurance Quotes in Oak Hill

Why you can trust Way?

How Much Is Car Insurance in Oak Hill

Avg. Car Insurance in Oak Hill

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Oak Hill

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Oak Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Oak Hill, MI

Way's key takeaways about car insurance in Oak Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oak Hill

Cheapest Liability Coverage in Oak Hill, MI

Cheapest Full Coverage Car Insurance in Oak Hill

Cheapest Full Coverage Car Insurance Quotes in Oak Hill, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oak Hill by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Oak Hill, MI increasing?

Car Insurance Premiums by Age in Oak Hill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oak Hill,MI

If you are in your twenties N/A is the best choice for car insurance in Oak Hill.

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 Oak Hill

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

Oak Hill Car Insurance Rates by Violation

Oak Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oak Hill after a DUI

Oak Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oak Hill after Speeding ticket

Car Insurance Price Trends in Oak Hill, Michigan

Average Car Insurance Cost in Oak Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oak Hill, MI

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

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