Cheapest Car Insurance Quotes in Oakland

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Oakland Car Insurance

^$ 27

/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 Oakland

The car insurance rate in Oakland is $947 for a six-month policy, which is $131 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $496, making it a popular choice for budget-conscious drivers. Rates in Oakland 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 Oakland

$947

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Oakland

1st place: AutoOwners Insurance Co

At $496 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $523 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $523 for six months, making it the third cheapest auto insurance company in Oakland.

Oakland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oakland, TN is AutoOwners Insurance Co, offering policies at just $496 for a six-month term. This is followed by Erie, which has an average six-month premium of $523.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1585 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oakland drivers find the best deals.

Cheap Car Insurance Companies in Oakland, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$496	$82
Erie	$523	$89
Westfield	$523	$87
Tennessee Farm Bureau	$558	$95
Travelers	$778	$131
Farmers	$944	$159
USAA	$951	$160
Grange	$958	$161
Farm Bureau of Tennessee	$992	$166
Tennessee Farmers	$1109	$189
Penn National	$1199	$200
State Farm	$1310	$223
Nationwide	$1329	$222
Progressive	$1585	$269

Key Takeaways

Way's key takeaways about car insurance in Oakland

The auto insurance costs in Oakland fall around $496 for six months.
The cheapest auto insurance company in Oakland is Westfield.
Teen drivers pay the highest rate in Oakland at $56 per month.

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Cheapest Minimum Liability Car Insurance in Oakland

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 Oakland are given below.

Westfield provides the cheapest minimum car insurance coverage in Oakland. Their Average 6 Month Premium is $159. AutoOwners is the most expensive at $227 for the same period.

Cheapest Liability Coverage in Oakland, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$159	$27
Auto-Owners Insurance Co	$186	$31
Tennessee Farm Bureau	$193	$32
Farm Bureau of Tennessee	$200	$34
Tennessee Farmers	$227	$38
USAA	$227	$38
Cincinnati	$234	$39
Erie	$248	$42
Travelers	$248	$42
Farmers	$262	$44
Penn National	$283	$48
Progressive	$310	$52
State Farm	$310	$52
Allstate	$503	$86
Auto-Owners	$227	$38

Cheapest Full Coverage Car Insurance in Oakland

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 Oakland is AutoOwners Insurance Co at $82 per month and $496 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oakland, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$496	$82
Erie	$523	$89
Westfield	$523	$87
Tennessee Farm Bureau	$558	$95
Travelers	$778	$131
Farmers	$944	$159
USAA	$951	$160
Grange	$958	$161
Farm Bureau of Tennessee	$992	$166
Tennessee Farmers	$1109	$189
Penn National	$1199	$200
State Farm	$1310	$223
Nationwide	$1329	$222
Progressive	$1585	$269

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Average Car Insurance in Oakland 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 Oakland, TN increasing?

Despite maintaining a clean driving record, your car insurance rates in Oakland, Tennessee, may be increasing due to several external factors. Tennessee has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Oakland's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Oakland

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	Penn National	$703
30s	Penn National	$484
40s	Penn National	$438
50s	Penn National	$406
60s	Penn National	$426
70s	Penn National	$490

Cheapest Car Insurance Rates for Teen Drivers in Oakland,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Oakland at $31 per month. At $331 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$186	$31
USAA	$220	$37
Tennessee Farm Bureau	$262	$44
Travelers	$262	$44
Auto-Owners Insurance Co	$276	$46
Farmers	$296	$50
Grange	$296	$50
Progressive	$296	$50
Cincinnati	$303	$51
Erie	$303	$51
State Farm	$331	$56

Teen Car Insurance Rates in TN by Age

Way Tip

If you are in your twenties Penn National is the best choice for car insurance in Oakland.

As young drivers face the highest rates in Oakland, Penn National offers the cheapest auto insurance rates at $703 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 Oakland, Tennessee Farm Bureau is the cheapest car insurance provider. At $220 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 Oakland is Erie, offering rates of around $434 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$220	$37
Westfield	$289	$49
Grange	$345	$59
Farmers	$372	$61
Progressive	$372	$64
Travelers	$372	$61
Cincinnati	$406	$70
Erie	$434	$72

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

Car Insurance Rates with An Accident in Oakland

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 Oakland, TN, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Oakland include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $193 and $200, respectively. Grange is an expensive provider with an average six-month premium of $372.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$193	$32
Farm Bureau of Tennessee	$200	$34
Westfield	$269	$45
USAA	$289	$49
Farmers	$296	$50
Travelers	$303	$51
Progressive	$317	$53
Erie	$338	$57
State Farm	$338	$57
Auto-Owners Insurance Co	$345	$59
Grange	$372	$61

Oakland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oakland TN. For example, the car insurance in Oakland after a DUI increases to $1150 for a six month policy. While the rate increases by $220 for a six-month policy in the case of a speeding ticket.

Oakland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1151	$191
Not-at-fault accident	$1158	$197
One Med/PIP claim	$1165	$194
One comp claim	$1179	$201
Two comp claims	$1192	$198
Two Med/PIP claims	$1192	$203
Failure to wear a seat belt	$1322	$220
Failure to show documents	$1343	$229
Child safety restraint	$1350	$225
Driving without lights	$1350	$230
Cell phone violation	$1371	$229
Driving with expired registration	$1371	$233
Speeding 6 - 10 MPH over limit	$1371	$229
Driving too slowly	$1378	$234
Speeding 11 - 15 MPH over limit	$1378	$230
Speeding in school zone	$1378	$234
Failure to yield	$1385	$231
Following too closely	$1385	$235
Illegal turn	$1385	$231
Speeding 16 - 20 MPH over limit	$1385	$235
Texting while driving	$1385	$231
Improper passing	$1399	$238
Wrong way/wrong lane	$1399	$233
Failure to stop at a red light	$1406	$239
In 65 MPH zone	$1427	$238
Speeding 21 - 25 MPH over limit	$1460	$248
At-fault accident - less than $1000	$1481	$247
Passing school bus	$1481	$252
Operating a vehicle without permission	$1571	$262
Open container	$1585	$269
At-fault accident - $1000-$2000	$1709	$285
At-fault accident - greater than $2000	$1709	$290
Reckless driving	$2156	$360
Racing	$2163	$368
Driving with a suspended license	$2219	$370
Refusal to submit to a chemical test	$2260	$384
DUI	$2301	$384
Leaving scene of an accident/hit and run	$2301	$391

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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 Oakland 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 Oakland.

The cheapest car insurance premiums in Oakland are offered by Tennessee Farm Bureau at $303 for a six-month policy. However, it can be as expensive as $1901 with companies like Allstate.

Oakland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$303	$51
Farmers	$351	$59
Erie	$358	$61
Grange	$469	$78
Travelers	$579	$97
State Farm	$834	$140
Progressive	$868	$146
USAA	$985	$166
Tennessee Farmers	$1336	$227
Allstate	$1901	$317

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 Oakland are offered by Westfield at $186. However, it can be as expensive as $317 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Oakland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$186	$31
Tennessee Farm Bureau	$193	$32
Erie	$220	$37
Auto-Owners Insurance Co	$269	$45
State Farm	$269	$45
Cincinnati	$283	$48
Travelers	$303	$51
Chubb	$310	$52
Progressive	$317	$53

Car Insurance Price Trends in Oakland, Tennessee

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

The average cost of full coverage in the Oakland remained steady at $111 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Oakland remained steady at $43 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Oakland?

The car insurance in Oakland is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Oakland?

The cheapest car insurance in Oakland is $82 per month for full coverage.

How much is car insurance in Oakland for teenagers?

Car insurance for teenagers costs $186 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 Oakland?

The average cost of car insurance is $816 for a six-month policy. It will cost around $159 per month to insure your car in Oakland.

Is car insurance expensive in Oakland?

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

Cheapest Car Insurance Quotes in Oakland

Why you can trust Way?

How Much Is Car Insurance in Oakland

Avg. Car Insurance in Oakland

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Oakland

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Oakland Car Insurance Rates by Company

Cheap Car Insurance Companies in Oakland, TN

Way's key takeaways about car insurance in Oakland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oakland

Cheapest Liability Coverage in Oakland, TN

Cheapest Full Coverage Car Insurance in Oakland

Cheapest Full Coverage Car Insurance Quotes in Oakland, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oakland by Rating Factor

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

Car Insurance Premiums by Age in Oakland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oakland,TN

If you are in your twenties Penn National is the best choice for car insurance in Oakland.

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 Oakland

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

Oakland Car Insurance Rates by Violation

Oakland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oakland after a DUI

Oakland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oakland after Speeding ticket

Car Insurance Price Trends in Oakland, Tennessee

Average Car Insurance Cost in Oakland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oakland, TN

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

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Data Sources