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Finding the cheapest car insurance quotes in Oak Ridge shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Ridge
The car insurance rate in Oak Ridge is $1252 for a six-month policy, which is $439 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $567, making it a popular choice for budget-conscious drivers. Rates in Oak Ridge 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.
At $567 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: American National P&C
American National P&C offers auto
insurance rates at $787 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $942
for six months, making it
the third cheapest auto insurance company in Oak Ridge.
Oak Ridge Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Oak Ridge, PA is AutoOwners Insurance Co, offering policies at just $567 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $787.
At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1500 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oak Ridge drivers find the best deals.
Way's key takeaways about car insurance in Oak Ridge
The auto insurance costs in Oak Ridge fall around $567 for six
months.
The cheapest auto insurance company in Oak Ridge is Westfield.
Teen drivers pay the highest rate in Oak Ridge at $1120 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Oak Ridge
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 Ridge are given below.
Westfield provides
the cheapest minimum car insurance
coverage in Oak Ridge. Their Average 6 Month Premium is $220.
AutoOwners is the most
expensive at $119 for the same
period.
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 Ridge is AutoOwners Insurance Co
at $94 per month and $567
for six months.
Cheapest Full Coverage Car Insurance Quotes in Oak Ridge,
PA
Get Your Car Insurance Quote in Oak Ridge
Instantly!
Average Car Insurance in Oak Ridge 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 Ridge, PA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Oak Ridge, Pennsylvania, may be increasing due to several external factors.
Pennsylvania 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 Ridge'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 Ridge
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
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Cheapest Car Insurance Rates for Teen Drivers in
Oak Ridge,PA
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Oak Ridge at $39
per
month. At $6714 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Oak Ridge.
As young drivers face the highest rates in Oak Ridge, N/A
offers the cheapest auto insurance rates at $N/A 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 Ridge,
Westfield is
the cheapest car insurance provider. At $357 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 Ridge is State Farm, offering
rates of around $7300 for six
months.
Save up to $971/yr on car insurance rates in Oak Ridge.
Car Insurance Rates with An Accident in Oak Ridge
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 Ridge, PA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Oak Ridge
The cheapest car insurance companies after an at-fault accident in
Oak Ridge include Westfield
and AutoOwners Insurance Co, offering $320
and $367,
respectively. Donegal is an expensive provider
with an average six-month premium of
$357.
Here is a list of driving violations that can increase your car
insurance rates in Oak Ridge PA. For example, the car
insurance in Oak Ridge
after a DUI increases to $1537 for a six
month policy. While the rate increases by $1692 for a six-month policy in the case of
a speeding ticket.
Oak Ridge auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1692
$282
Cell phone violation
$1976
$336
Failure to wear a seat belt
$1976
$330
Failure to stop at a red light
$1994
$339
Illegal turn
$1994
$333
Improper passing
$1994
$339
Speeding in school zone
$1994
$333
Texting while driving
$1994
$339
Driving with expired registration
$2004
$334
Speeding 16 - 20 MPH over limit
$2004
$340
Wrong way/wrong lane
$2022
$337
Open container
$2141
$363
Reckless driving
$3120
$521
Racing
$3174
$539
DUI
$3229
$537
Driving with a suspended license
$3248
$553
Leaving scene of an accident/hit and run
$3276
$545
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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 Ridge 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 Ridge.
The cheapest car insurance premiums in
Oak Ridge are
offered by American National P&C at $494 for a six-month policy.
However, it can be as
expensive as $4253 with companies
like Nationwide.
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 Ridge are offered by Westfield
at $193. However,
it can be as expensive as $2965
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Oak Ridge after Speeding ticket
Car Insurance Price Trends in Oak Ridge,
Pennsylvania
Car insurance rates in Oak Ridge have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Oak Ridge rose by
$282 in January
compared to $260 of December. In other words, there has been an increase by $22 when you
compare January and December.
The average cost of liability insurance in the Oak Ridge rose to $69 in January,
compared to $59 in December.
This represents an increase of $10
when comparing January and December.
Average Car Insurance Cost in Oak Ridge by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Oak Ridge. At $2504 for a
six-month policy, insuring
your car at 16245 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Oak Ridge?
The car insurance in Oak Ridge is $37 per month, which is lower than the national average.
What is the cheapest car insurance in Oak Ridge?
The cheapest car insurance in Oak Ridge
is $94 per month
for full coverage.
How much is car insurance in Oak Ridge for teenagers?
Car insurance for teenagers costs $229 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 Ridge?
The average cost of car insurance is $813 for a six-month
policy. It will cost around $209 per month to insure your
car in Oak Ridge.
Is car insurance expensive in Oak Ridge?
Car insurance can be expensive in Oak Ridge if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Oak Ridge can be
affordable.
What is the best car insurance in Oak Ridge,
PA?
The best car insurance company in Oak Ridge
PA is
AutoOwners Insurance Co, offering $567 for a
six-month policy.
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Oak Ridge Car Insurance
