Cheapest Car Insurance Quotes in Oakdale

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Oakdale Car Insurance

^$ 62

/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 $1451 for a six-month policy, which is $422 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $778, 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

$1451

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Oakdale

1st place: Kemper

At $778 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $1031 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1039 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, NY is Kemper, offering policies at just $778 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1031.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2169 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, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$778	$133
New York Central Mutual Fire	$1031	$172
Progressive	$1039	$175
American Family	$1206	$203
NYCM	$1265	$213
Erie	$1516	$252
Nationwide	$1524	$259
USAA	$1533	$258
State Farm	$1901	$320
Travelers	$2002	$337
Allstate	$2169	$365

Key Takeaways

Way's key takeaways about car insurance in Oakdale

The auto insurance costs in Oakdale fall around $778 for six months.
The cheapest auto insurance company in Oakdale is New York Central Mutual Fire.
Teen drivers pay the highest rate in Oakdale at $1105 per month.

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

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.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Oakdale. Their Average 6 Month Premium is $368. Preferred Mutual is the most expensive at $971 for the same period.

Cheapest Liability Coverage in Oakdale, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$368	$62
NYCM	$385	$65
Kemper	$453	$75
Progressive	$536	$90
American Family	$544	$92
USAA	$661	$111
Nationwide	$704	$117
Erie	$888	$151
State Farm	$1031	$173
Travelers	$1105	$186
Allstate	$1156	$195
Utica National	$804	$137
Preferred Mutual	$971	$162

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 Kemper at $133 per month and $778 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oakdale, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$778	$133
New York Central Mutual Fire	$1031	$172
Progressive	$1039	$175
American Family	$1206	$203
NYCM	$1265	$213
Erie	$1516	$252
Nationwide	$1524	$259
USAA	$1533	$258
State Farm	$1901	$320
Travelers	$2002	$337
Allstate	$2169	$365

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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, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Oakdale, New York, may be increasing due to several external factors. New York 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	National Grange Mutual	$794
30s	National Grange Mutual	$565
40s	National Grange Mutual	$544
50s	National Grange Mutual	$553
60s	National Grange Mutual	$595
70s	National Grange Mutual	$816

Cheapest Car Insurance Rates for Teen Drivers in Oakdale,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Oakdale at $87 per month. At $6566 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$527	$87
American Family	$636	$107
NYCM	$1063	$179
Progressive	$1684	$283
New York Central Mutual Fire	$1834	$306
USAA	$3367	$567
Nationwide	$4398	$733
Travelers	$5444	$917
Allstate	$5888	$991
State Farm	$6566	$1105

Teen Car Insurance Rates in NY by Age

Way Tip

If you are in your twenties National Grange Mutual is the best choice for car insurance in Oakdale.

As young drivers face the highest rates in Oakdale, National Grange Mutual offers the cheapest auto insurance rates at $794 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, Chubb is the cheapest car insurance provider. At $1131 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 Progressive, offering rates of around $7295 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1131	$189
Kemper	$1182	$200
Nationwide	$1524	$254
USAA	$2111	$360
NYCM	$2202	$367
Erie	$2387	$406
American Family	$2806	$468
Allstate	$2872	$484
State Farm	$2974	$501
Mercury	$3493	$594
Travelers	$3567	$601
Progressive	$7295	$1228

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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, NY, 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 Kemper and American Family, offering $653 and $670, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $812.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$653	$109
American Family	$670	$113
NYCM	$812	$137
Erie	$888	$151
Chubb	$980	$164
Progressive	$1072	$180
New York Central Mutual Fire	$1239	$207
USAA	$1331	$224
Nationwide	$2002	$334
Allstate	$2019	$340
State Farm	$2438	$410
Travelers	$2479	$417
Utica National	$804	$137
Preferred Mutual	$812	$135

Oakdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oakdale NY. For example, the car insurance in Oakdale after a DUI increases to $1005 for a six month policy. While the rate increases by $159 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	$1767	$295
One Med/PIP claim	$1767	$300
One comp claim	$1784	$298
Two comp claims	$1801	$306
Two Med/PIP claims	$1801	$300
Not-at-fault accident	$1809	$307
Failure to show documents	$1834	$306
Failure to wear a seat belt	$1843	$313
Driving with expired registration	$1860	$310
At-fault accident - less than $1000	$1868	$317
Cell phone violation	$1868	$312
Child safety restraint	$1868	$317
Driving without lights	$1868	$312
Failure to stop at a red light	$1868	$317
Failure to yield	$1868	$312
Following too closely	$1868	$317
Illegal turn	$1868	$312
Improper passing	$1868	$317
Passing school bus	$1868	$312
Texting while driving	$1868	$317
Wrong way/wrong lane	$1868	$312
Driving too slowly	$1885	$320
Speeding in school zone	$1885	$314
At-fault accident - $1000-$2000	$1892	$321
Speeding 11 - 15 MPH over limit	$1926	$321
Speeding 6 - 10 MPH over limit	$1926	$327
Operating a vehicle without permission	$1960	$327
Open container	$1985	$337
In 65 MPH zone	$2068	$345
Speeding 16 - 20 MPH over limit	$2094	$357
Speeding 21 - 25 MPH over limit	$2169	$361
At-fault accident - greater than $2000	$2336	$398
Reckless driving	$2496	$416
Racing	$2596	$441
Driving with a suspended license	$2689	$448
Refusal to submit to a chemical test	$2747	$467
DUI	$2772	$462
Leaving scene of an accident/hit and run	$2814	$478

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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 American Family at $636 for a six-month policy. However, it can be as expensive as $2840 with companies like State Farm.

Oakdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$636	$107
Kemper	$670	$114
Progressive	$812	$137
NYCM	$1022	$172
New York Central Mutual Fire	$1507	$251
USAA	$1607	$271
Allstate	$2387	$402
Travelers	$2453	$413
Nationwide	$2487	$415
State Farm	$2840	$478

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 American Family at $561. However, it can be as expensive as $2881 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
American Family	$561	$96
Kemper	$561	$93
Progressive	$695	$117
NYCM	$929	$155
USAA	$1265	$216
Nationwide	$1743	$290
State Farm	$1885	$320
Travelers	$2755	$460
Allstate	$2881	$489

Car Insurance Price Trends in Oakdale, New York

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 dipped by $348 in December compared to $350 of November. In other words, there has been an decrease by $2 when you compare December and November.

The average cost of liability insurance in the Oakdale dipped to $120 in December, compared to $124 in November. This represents an decrease of $4 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 $62 per month, which is lower than the national average.

What is the cheapest car insurance in Oakdale?

The cheapest car insurance in Oakdale is $133 per month for full coverage.

How much is car insurance in Oakdale for teenagers?

Car insurance for teenagers costs $527 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 $1029 for a six-month policy. It will cost around $244 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.

Cheapest Car Insurance Quotes in Oakdale

Why you can trust Way?

How Much Is Car Insurance in Oakdale

Avg. Car Insurance in Oakdale

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Oakdale

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Oakdale Car Insurance Rates by Company

Cheap Car Insurance Companies in Oakdale, NY

Way's key takeaways about car insurance in Oakdale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oakdale

Cheapest Liability Coverage in Oakdale, NY

Cheapest Full Coverage Car Insurance in Oakdale

Cheapest Full Coverage Car Insurance Quotes in Oakdale, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oakdale by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Oakdale, NY increasing?

Car Insurance Premiums by Age in Oakdale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oakdale,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in Oakdale.

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 Oakdale

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

Oakdale Car Insurance Rates by Violation

Oakdale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oakdale after a DUI

Oakdale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oakdale after Speeding ticket

Car Insurance Price Trends in Oakdale, New York

Average Car Insurance Cost in Oakdale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oakdale, NY

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

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