Cheapest Car Insurance Quotes in Oak Hill

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Oak Hill 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 Hill

The car insurance rate in Oak Hill is $1155 for a six-month policy, which is $48 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $473, 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

$1155

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Oak Hill

1st place: Travelers

At $473 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $593 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $656 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 $473 for a six-month term. This is followed by USAA, which has an average six-month premium of $593.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $781 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	$473	$80
USAA	$593	$100
Encompass	$656	$109
Auto-Owners Insurance Co	$673	$114
Chubb	$708	$118
Auto-Owners	$793	$133
AAA	$809	$136
Farm Bureau Ins of MI	$832	$141
Pioneer State Mutual Ins Co	$906	$151
Progressive	$906	$153
Westfield	$1129	$190
Farm Bureau	$1272	$216
State Farm	$1620	$273
Allstate	$1728	$294
Bristol West	$2252	$375
Farmers	$3501	$595
Hastings Mutual	$781	$131

Key Takeaways

Way's key takeaways about car insurance in Oak Hill

The auto insurance costs in Oak Hill fall around $473 for six months.
The cheapest auto insurance company in Oak Hill is Travelers.
Teen drivers pay the highest rate in Oak Hill at $927 per month.

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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 $200. Hastings Mutual is the most expensive at $342 for the same period.

Cheapest Liability Coverage in Oak Hill, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$200	$34
Westfield	$211	$36
USAA	$268	$45
Encompass	$274	$46
Chubb	$291	$48
Auto-Owners Insurance Co	$314	$54
Auto-Owners	$371	$62
Farm Bureau Ins of MI	$405	$69
Progressive	$417	$70
AAA	$496	$84
Farm Bureau	$627	$105
Allstate	$735	$125
Bristol West	$941	$156
State Farm	$1009	$170
Farmers	$1819	$303
Hastings Mutual	$342	$57

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 $80 per month and $473 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oak Hill, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$473	$80
USAA	$593	$100
Encompass	$656	$109
Auto-Owners Insurance Co	$673	$114
Chubb	$708	$118
Auto-Owners	$793	$133
AAA	$809	$136
Farm Bureau Ins of MI	$832	$141
Pioneer State Mutual Ins Co	$906	$151
Progressive	$906	$153
Westfield	$1129	$190
Farm Bureau	$1272	$216
State Farm	$1620	$273
Allstate	$1728	$294
Bristol West	$2252	$375
Farmers	$3501	$595
Hastings Mutual	$781	$131

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$268
30s	USAA	$204
40s	USAA	$195
50s	USAA	$187
60s	Chubb	$171
70s	Chubb	$187

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 $39 per month. At $5565 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$234	$39
Westfield	$251	$42
Encompass	$274	$46
Chubb	$325	$56
Auto-Owners Insurance Co	$342	$57
Grange	$444	$76
USAA	$901	$152
Auto-Owners	$1078	$181
AAA	$1437	$242
Farm Bureau	$2070	$352
Progressive	$2219	$373
Allstate	$3741	$636
State Farm	$3838	$639
Farmers	$16058	$2730
Bristol West	$5565	$927

Teen Car Insurance Rates in MI by Age

Way Tip

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

As young drivers face the highest rates in Oak Hill, Chubb offers the cheapest auto insurance rates at $268 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 Hill, Travelers is the cheapest car insurance provider. At $382 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 $1209 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$382	$65
Encompass	$394	$65
Progressive	$553	$94
Westfield	$582	$97
Auto-Owners Insurance Co	$616	$105
Pioneer State Mutual Ins Co	$753	$126
Grange	$952	$162
Farm Bureau Ins of MI	$1209	$202

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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 $291 and $308, respectively. Pioneer State is an expensive provider with an average six-month premium of $456.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$291	$50
Westfield	$308	$51
Auto-Owners Insurance Co	$359	$61
Encompass	$405	$67
Farm Bureau Ins of MI	$479	$82
Pioneer State Mutual Ins Co	$530	$88
Travelers	$564	$95
USAA	$708	$119
Progressive	$781	$132
Auto-Owners	$873	$147
AAA	$1117	$188
Farm Bureau	$1557	$259
State Farm	$1773	$301
Allstate	$2754	$459
Farmers	$4921	$837
Pioneer State	$456	$76

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 $2304 for a six month policy. While the rate increases by $1255 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	$1255	$209
Failure to wear a seat belt	$1488	$253
Cell phone violation	$1579	$263
Texting while driving	$1579	$269
Illegal turn	$1585	$264
Wrong way/wrong lane	$1585	$270
Speeding in school zone	$1608	$268
Driving with expired registration	$1620	$276
Failure to stop at a red light	$1637	$273
Improper passing	$1637	$278
Speeding 16 - 20 MPH over limit	$1819	$303
Open container	$2144	$365
Driving with a suspended license	$2401	$400
Racing	$3096	$526
Reckless driving	$3365	$561
Leaving scene of an accident/hit and run	$3450	$587
DUI	$3559	$593

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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 $291 for a six-month policy. However, it can be as expensive as $8987 with companies like Allstate.

Oak Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$291	$48
Auto-Owners Insurance Co	$770	$131
Grange	$776	$130
Progressive	$827	$139
Pioneer State Mutual Ins Co	$935	$156
USAA	$1009	$170
Travelers	$1146	$191
Auto-Owners	$1734	$292
Westfield	$1887	$318
AAA	$1950	$328
Bristol West	$2669	$444
Farmers	$2737	$461
Farm Bureau	$3239	$540
State Farm	$4077	$686
Allstate	$8987	$1498

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 $251. However, it can be as expensive as $11342 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	$251	$42
Chubb	$291	$48
Encompass	$308	$53
Travelers	$376	$62
Auto-Owners Insurance Co	$399	$68
Farm Bureau Ins of MI	$570	$95
USAA	$593	$101
Grange	$605	$101
Auto-Owners	$832	$141
Progressive	$1220	$205
AAA	$1237	$210
Farm Bureau	$1243	$207
Allstate	$2252	$383
State Farm	$3780	$630
Farmers	$11342	$1929

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 $257 in December compared to $264 of November. In other words, there has been an decrease by $7 when you compare December and November.

The average cost of liability insurance in the Oak Hill rose to $85 in December, compared to $79 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Oak Hill?

The car insurance in Oak Hill is $34 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 $80 per month for full coverage.

How much is car insurance in Oak Hill for teenagers?

Car insurance for teenagers costs $234 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 $1203 for a six-month policy. It will cost around $194 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 Chubb 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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