Cheapest Car Insurance Quotes in Oak Park

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Oak Park Car Insurance

^$ 64

/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 Park

The car insurance rate in Oak Park is $2410 for a six-month policy, which is $1086 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $897, making it a popular choice for budget-conscious drivers. Rates in Oak Park 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 Park

$2410

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Oak Park

1st place: Travelers

At $897 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1147 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $1243 for six months, making it the third cheapest auto insurance company in Oak Park.

Oak Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oak Park, MI is Travelers, offering policies at just $897 for a six-month term. This is followed by USAA, which has an average six-month premium of $1147.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1481 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oak Park drivers find the best deals.

Cheap Car Insurance Companies in Oak Park, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$897	$151
USAA	$1147	$193
Encompass	$1243	$211
Auto-Owners Insurance Co	$1276	$213
Chubb	$1341	$228
Farm Bureau Ins of MI	$1578	$264
Auto-Owners	$1654	$278
AAA	$1665	$280
Pioneer State Mutual Ins Co	$1718	$293
Progressive	$1762	$297
Westfield	$2140	$360
Farm Bureau	$3059	$510
Pioneer State Mutual	$3331	$566
State Farm	$3556	$599
Frankenmuth	$3784	$644
Bristol West	$4270	$712
Allstate	$3276	$557
Farmers	$6638	$1128
Hastings Mutual	$1481	$248

Key Takeaways

Way's key takeaways about car insurance in Oak Park

The auto insurance costs in Oak Park fall around $897 for six months.
The cheapest auto insurance company in Oak Park is Travelers.
Teen drivers pay the highest rate in Oak Park at $1758 per month.

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Cheapest Minimum Liability Car Insurance in Oak Park

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 Park are given below.

Travelers provides the cheapest minimum car insurance coverage in Oak Park. Their Average 6 Month Premium is $379. Farmers is the most expensive at $3449 for the same period.

Cheapest Liability Coverage in Oak Park, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$379	$64
Westfield	$400	$67
USAA	$475	$80
Encompass	$519	$87
Chubb	$551	$95
Auto-Owners Insurance Co	$595	$98
Auto-Owners	$659	$111
Progressive	$746	$126
AAA	$757	$129
Farm Bureau Ins of MI	$768	$127
Farm Bureau	$963	$164
Pioneer State Mutual	$974	$162
Frankenmuth	$1147	$195
State Farm	$1773	$298
Bristol West	$1784	$304
Allstate	$1394	$237
Farmers	$3449	$575

Cheapest Full Coverage Car Insurance in Oak Park

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 Park is Travelers at $151 per month and $897 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oak Park, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$897	$151
USAA	$1147	$193
Encompass	$1243	$211
Auto-Owners Insurance Co	$1276	$213
Chubb	$1341	$228
Farm Bureau Ins of MI	$1578	$264
Auto-Owners	$1654	$278
AAA	$1665	$280
Pioneer State Mutual Ins Co	$1718	$293
Progressive	$1762	$297
Westfield	$2140	$360
Farm Bureau	$3059	$510
Pioneer State Mutual	$3331	$566
State Farm	$3556	$599
Frankenmuth	$3784	$644
Bristol West	$4270	$712
Allstate	$3276	$557
Farmers	$6638	$1128
Hastings Mutual	$1481	$248

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Average Car Insurance in Oak Park 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 Park, MI increasing?

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

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 Park,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Oak Park at $75 per month. At $10551 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$444	$75
Westfield	$475	$80
Encompass	$519	$87
Chubb	$617	$106
Auto-Owners Insurance Co	$648	$107
Grange	$843	$144
USAA	$1827	$308
Auto-Owners	$2291	$386
AAA	$2974	$501
Progressive	$4195	$706
Farm Bureau	$4994	$832
Pioneer State Mutual	$5859	$996
Frankenmuth	$6983	$1165
State Farm	$9817	$1669
Allstate	$7093	$1207
Farmers	$30443	$5176
Bristol West	$10551	$1758

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 Park, Travelers is the cheapest car insurance provider. At $724 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 Park is Farm Bureau Ins of MI, offering rates of around $2291 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$724	$120
Encompass	$746	$127
Progressive	$1048	$175
Westfield	$1103	$187
Auto-Owners Insurance Co	$1168	$195
Pioneer State Mutual Ins Co	$1427	$242
Grange	$1805	$300
Farm Bureau Ins of MI	$2291	$389

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Car Insurance Rates with An Accident in Oak Park

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

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

The cheapest car insurance companies after an at-fault accident in Oak Park include Chubb and Westfield, offering $551 and $584, respectively. Pioneer State is an expensive provider with an average six-month premium of $865.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$551	$95
Westfield	$584	$96
Auto-Owners Insurance Co	$681	$116
Encompass	$768	$127
Farm Bureau Ins of MI	$908	$155
Pioneer State Mutual Ins Co	$1005	$167
Travelers	$1070	$180
USAA	$1394	$235
Progressive	$1654	$278
Auto-Owners	$1924	$324
AAA	$2291	$386
Farm Bureau	$3740	$624
Pioneer State Mutual	$3989	$679
State Farm	$4508	$752
Frankenmuth	$4865	$828
Allstate	$5222	$870
Farmers	$9329	$1587
Pioneer State	$865	$144

Oak Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oak Park MI. For example, the car insurance in Oak Park after a DUI increases to $4368 for a six month policy. While the rate increases by $2379 for a six-month policy in the case of a speeding ticket.

Oak Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2379	$397
Failure to wear a seat belt	$2821	$480
Cell phone violation	$2994	$499
Texting while driving	$2994	$510
Illegal turn	$3005	$501
Wrong way/wrong lane	$3005	$511
Speeding in school zone	$3049	$508
Driving with expired registration	$3070	$522
Failure to stop at a red light	$3103	$517
Improper passing	$3103	$528
Speeding 16 - 20 MPH over limit	$3449	$575
Open container	$4064	$692
Driving with a suspended license	$4552	$759
Racing	$5870	$997
Reckless driving	$6379	$1063
Leaving scene of an accident/hit and run	$6541	$1112
DUI	$6747	$1125

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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 Park 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 Park.

The cheapest car insurance premiums in Oak Park are offered by Chubb at $551 for a six-month policy. However, it can be as expensive as $17037 with companies like Allstate.

Oak Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$551	$91
Auto-Owners Insurance Co	$1460	$248
Grange	$1471	$246
Farmers	$1492	$253
Progressive	$1643	$277
Pioneer State Mutual Ins Co	$1773	$302
USAA	$1967	$331
Travelers	$2173	$369
Auto-Owners	$3514	$592
Westfield	$3578	$602
AAA	$3946	$664
Bristol West	$5060	$861
Pioneer State Mutual	$6368	$1061
Farm Bureau	$7491	$1274
State Farm	$9266	$1560
Frankenmuth	$16768	$2852
Allstate	$17037	$2839

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 Park are offered by Westfield at $475. However, it can be as expensive as $21503 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Oak Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$475	$80
Chubb	$551	$91
Encompass	$584	$100
Travelers	$713	$118
Auto-Owners Insurance Co	$757	$129
Farm Bureau Ins of MI	$1081	$180
Grange	$1147	$195
Auto-Owners	$1438	$240
USAA	$1471	$249
AAA	$1860	$309
Farm Bureau	$1924	$328
Pioneer State Mutual	$2118	$353
Progressive	$2162	$364
Frankenmuth	$3460	$577
State Farm	$6292	$1070
Allstate	$4270	$726
Farmers	$21503	$3656

Car Insurance Price Trends in Oak Park, Michigan

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

The average cost of full coverage in the Oak Park dipped by $382 in January compared to $488 of December. In other words, there has been an decrease by $106 when you compare January and December.

The average cost of liability insurance in the Oak Park dipped to $135 in January, compared to $162 in December. This represents an decrease of $27 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Oak Park?

The car insurance in Oak Park is $64 per month, which is lower than the national average.

What is the cheapest car insurance in Oak Park?

The cheapest car insurance in Oak Park is $151 per month for full coverage.

How much is car insurance in Oak Park for teenagers?

Car insurance for teenagers costs $444 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 Park?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $406 per month to insure your car in Oak Park.

Is car insurance expensive in Oak Park?

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

Cheapest Car Insurance Quotes in Oak Park

Why you can trust Way?

How Much Is Car Insurance in Oak Park

Avg. Car Insurance in Oak Park

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Oak Park

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Oak Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Oak Park, MI

Way's key takeaways about car insurance in Oak Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oak Park

Cheapest Liability Coverage in Oak Park, MI

Cheapest Full Coverage Car Insurance in Oak Park

Cheapest Full Coverage Car Insurance Quotes in Oak Park, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oak Park by Rating Factor

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

Car Insurance Premiums by Age in Oak Park

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Park

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

Oak Park Car Insurance Rates by Violation

Oak Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oak Park after a DUI

Oak Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oak Park after Speeding ticket

Car Insurance Price Trends in Oak Park, Michigan

Average Car Insurance Cost in Oak Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oak Park, MI

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

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