Cheapest Car Insurance Quotes in Oak Creek

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Oak Creek Car Insurance

^$ 20

/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 Creek

The car insurance rate in Oak Creek is $677 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $279, making it a popular choice for budget-conscious drivers. Rates in Oak Creek 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 Creek

$677

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Oak Creek

1st place: AAA

At $279 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: West Bend Mutual

West Bend Mutual offers auto insurance rates at $416 for a six-month policy, making it one of the cheapest to insure with.

3rd place: IMT Insurance Company

IMT Insurance Company offers auto insurance rates at $457 for six months, making it the third cheapest auto insurance company in Oak Creek.

Oak Creek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oak Creek, WI is AAA, offering policies at just $279 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $416.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $760 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oak Creek drivers find the best deals.

Cheap Car Insurance Companies in Oak Creek, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$279	$47
West Bend Mutual	$416	$69
IMT Insurance Company	$457	$78
Auto-Owners Insurance Co	$463	$77
Chubb	$475	$81
Acuity	$511	$86
American Family	$517	$87
Travelers	$529	$89
Erie	$618	$104
USAA	$719	$121
Rockford Mutual	$754	$128
Nationwide	$814	$137
Rural Mutual	$838	$142
State Farm	$838	$141
Progressive	$980	$165
Farmers	$1045	$174
Allstate	$1212	$204
Secura	$642	$107
Hastings Mutual	$760	$129

Key Takeaways

Way's key takeaways about car insurance in Oak Creek

The auto insurance costs in Oak Creek fall around $279 for six months.
The cheapest auto insurance company in Oak Creek is AAA.
Teen drivers pay the highest rate in Oak Creek at $639 per month.

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Cheapest Minimum Liability Car Insurance in Oak Creek

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 Creek are given below.

AAA provides the cheapest minimum car insurance coverage in Oak Creek. Their Average 6 Month Premium is $119. Secura is the most expensive at $160 for the same period.

Cheapest Liability Coverage in Oak Creek, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$119	$20
Rural Mutual	$131	$22
Western National	$143	$24
Erie	$160	$27
USAA	$172	$29
West Bend Mutual	$178	$30
Auto-Owners Insurance Co	$184	$31
Acuity	$190	$32
American Family	$196	$33
Travelers	$196	$33
Progressive	$202	$34
Chubb	$208	$35
State Farm	$226	$38
Farmers	$350	$60
Allstate	$463	$78
Secura	$160	$27

Cheapest Full Coverage Car Insurance in Oak Creek

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 Creek is AAA at $47 per month and $279 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oak Creek, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$279	$47
West Bend Mutual	$416	$69
IMT Insurance Company	$457	$78
Auto-Owners Insurance Co	$463	$77
Chubb	$475	$81
Acuity	$511	$86
American Family	$517	$87
Travelers	$529	$89
Erie	$618	$104
USAA	$719	$121
Rockford Mutual	$754	$128
Nationwide	$814	$137
Rural Mutual	$838	$142
State Farm	$838	$141
Progressive	$980	$165
Farmers	$1045	$174
Allstate	$1212	$204
Secura	$642	$107
Hastings Mutual	$760	$129

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Average Car Insurance in Oak Creek 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 Creek, WI increasing?

Despite maintaining a clean driving record, your car insurance rates in Oak Creek, Wisconsin, may be increasing due to several external factors. Wisconsin 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 Creek'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 Creek

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	USAA	$479
30s	USAA	$385
40s	USAA	$349
50s	USAA	$331
60s	USAA	$345
70s	USAA	$425

Cheapest Car Insurance Rates for Teen Drivers in Oak Creek,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Oak Creek at $33 per month. At $3831 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$196	$33
Travelers	$202	$34
Auto-Owners Insurance Co	$232	$39
Western National	$232	$39
West Bend Mutual	$261	$44
USAA	$861	$145
Erie	$885	$149
American Family	$1069	$180
Acuity	$1628	$274
State Farm	$1877	$316
Progressive	$2709	$456
Allstate	$3570	$601
Farmers	$3831	$639

Teen Car Insurance Rates in WI by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Oak Creek.

As young drivers face the highest rates in Oak Creek, USAA offers the cheapest auto insurance rates at $479 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 Creek, Western National is the cheapest car insurance provider. At $149 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 Creek is Allstate, offering rates of around $1841 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$149	$25
AAA	$166	$28
West Bend Mutual	$214	$36
Chubb	$238	$40
IMT Insurance Company	$238	$40
Travelers	$279	$47
Acuity	$588	$99
American Family	$677	$114
State Farm	$725	$121
Erie	$784	$132
Progressive	$915	$154
Allstate	$1841	$313

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Car Insurance Rates with An Accident in Oak Creek

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 Creek, WI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Oak Creek include Western National and Rural Mutual, offering $149 and $172, respectively. Allstate is an expensive provider with an average six-month premium of $1806.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$149	$25
Rural Mutual	$172	$29
Auto-Owners Insurance Co	$226	$38
AAA	$232	$39
Chubb	$238	$40
Travelers	$238	$40
West Bend	$249	$42
West Bend Mutual	$297	$51
Auto-Owners	$309	$51
Erie	$475	$80
USAA	$475	$80
American Family	$719	$121
Acuity	$754	$127
State Farm	$760	$128
Farmers	$1437	$240
Progressive	$1598	$269
Allstate	$1806	$304

Oak Creek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oak Creek WI. For example, the car insurance in Oak Creek after a DUI increases to $790 for a six month policy. While the rate increases by $173 for a six-month policy in the case of a speeding ticket.

Oak Creek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$849	$142
One Med/PIP claim	$855	$145
Not-at-fault accident	$891	$149
One comp claim	$903	$154
Two Med/PIP claims	$915	$152
Failure to show documents	$927	$158
Driving with expired registration	$950	$158
Failure to wear a seat belt	$956	$163
Two comp claims	$974	$162
Driving without lights	$1010	$172
Child safety restraint	$1016	$169
Speeding 6 - 10 MPH over limit	$1022	$174
At-fault accident - less than $1000	$1034	$172
Cell phone violation	$1040	$177
Driving too slowly	$1045	$174
Failure to yield	$1045	$178
Speeding in school zone	$1045	$174
Illegal turn	$1051	$179
Speeding 11 - 15 MPH over limit	$1051	$175
Speeding 16 - 20 MPH over limit	$1051	$179
Texting while driving	$1051	$175
Wrong way/wrong lane	$1051	$179
Failure to stop at a red light	$1063	$177
Following too closely	$1063	$181
Improper passing	$1093	$182
Passing school bus	$1111	$189
In 65 MPH zone	$1170	$195
At-fault accident - $1000-$2000	$1218	$207
Speeding 21 - 25 MPH over limit	$1218	$203
Operating a vehicle without permission	$1224	$208
At-fault accident - greater than $2000	$1230	$205
Open container	$1241	$211
Reckless driving	$1604	$267
Racing	$1610	$274
Refusal to submit to a chemical test	$1622	$270
Driving with a suspended license	$1628	$277
Leaving scene of an accident/hit and run	$1634	$272
DUI	$1639	$279

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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 Creek 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 Creek.

The cheapest car insurance premiums in Oak Creek are offered by Western National at $149 for a six-month policy. However, it can be as expensive as $1443 with companies like Allstate.

Oak Creek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$149	$25
Chubb	$238	$40
Travelers	$279	$47
West Bend	$333	$55
Kemper	$339	$58
USAA	$624	$105
Erie	$647	$109
American Family	$737	$124
Progressive	$885	$149
State Farm	$950	$160
Farmers	$1384	$235
Acuity	$1396	$233
Allstate	$1443	$243

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 Creek are offered by Western National at $149. However, it can be as expensive as $1342 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Oak Creek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$149	$25
AAA	$190	$32
Auto-Owners Insurance Co	$208	$35
Travelers	$232	$39
Chubb	$238	$40
West Bend Mutual	$273	$46
Erie	$422	$71
State Farm	$493	$83
American Family	$499	$84
Acuity	$594	$100
Progressive	$784	$132
Allstate	$1342	$228

Car Insurance Price Trends in Oak Creek, Wisconsin

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

The average cost of full coverage in the Oak Creek rose by $125 in December compared to $122 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Oak Creek rose to $34 in December, compared to $32 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Oak Creek?

The car insurance in Oak Creek is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Oak Creek?

The cheapest car insurance in Oak Creek is $47 per month for full coverage.

How much is car insurance in Oak Creek for teenagers?

Car insurance for teenagers costs $196 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 Creek?

The average cost of car insurance is $677 for a six-month policy. It will cost around $114 per month to insure your car in Oak Creek.

Is car insurance expensive in Oak Creek?

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

Cheapest Car Insurance Quotes in Oak Creek

Why you can trust Way?

How Much Is Car Insurance in Oak Creek

Avg. Car Insurance in Oak Creek

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Oak Creek

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Oak Creek Car Insurance Rates by Company

Cheap Car Insurance Companies in Oak Creek, WI

Way's key takeaways about car insurance in Oak Creek

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oak Creek

Cheapest Liability Coverage in Oak Creek, WI

Cheapest Full Coverage Car Insurance in Oak Creek

Cheapest Full Coverage Car Insurance Quotes in Oak Creek, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oak Creek by Rating Factor

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

Car Insurance Premiums by Age in Oak Creek

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oak Creek,WI

If you are in your twenties USAA is the best choice for car insurance in Oak Creek.

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 Creek

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

Oak Creek Car Insurance Rates by Violation

Oak Creek auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oak Creek after a DUI

Oak Creek car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oak Creek after Speeding ticket

Car Insurance Price Trends in Oak Creek, Wisconsin

Average Car Insurance Cost in Oak Creek by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oak Creek, WI

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

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