Best Cheap Auto Insurance in Oakland, TN (2021)

The average Oakland, TN auto insurance rates are $331 per month. The minimum auto insurance in Oakland is at least 25/50/15 in coverage to comply with Tennessee auto insurance laws. To find the best cheap auto insurance in Oakland, Tennessee, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Oakland is State Farm
  • The average commute length in Oakland is 36.6 minutes
  • The most expensive auto insurance company in Oakland for teen drivers is Liberty Mutual

Oakland, Tennessee auto insurance requirements are 25/50/15 according to Tennessee auto insurance laws. Finding cheap auto insurance in Oakland can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Oakland, Tennessee, including driving record, credit, commute time, and more.

Compare auto insurance in Oakland to other Tennessee cities, including Murfreesboro auto insurance rates, Hendersonville auto insurance rates, and Clarksville auto insurance rates to see how Oakland, Tennessee auto insurance rates stack up.

Before you buy Oakland, Tennessee auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Oakland, Tennessee auto insurance quotes.

Minimum Auto Insurance in Oakland, Tennessee

Oakland, Tennessee auto insurance laws require that you have at least the Tennessee minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Oakland, Tennessee.

Minimum Required Auto Insurance Coverage in Oakland, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cheap Oakland, Tennessee Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Oakland, Tennessee are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Oakland, Tennessee

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,158 $3,026 $2,861 $2,970 $12,161 $13,222 $3,348 $3,438
Farmers $1,945 $1,981 $1,752 $1,918 $7,846 $8,366 $2,626 $2,761
GEICO $2,190 $2,204 $2,011 $2,011 $6,879 $6,977 $2,238 $2,311
Liberty Mutual $4,178 $129 $3,433 $3,830 $17,209 $19,105 $4,487 $4,790
Nationwide $2,400 $2,423 $2,143 $2,183 $6,600 $8,546 $2,763 $3,013
Progressive $1,926 $1,821 $1,570 $1,638 $8,496 $9,576 $2,319 $2,526
State Farm $1,725 $1,725 $1,550 $1,550 $5,173 $6,491 $1,946 $2,250
Travelers $1,857 $1,955 $1,696 $1,806 $5,326 $6,632 $1,977 $2,081
USAA $1,632 $1,670 $1,469 $1,477 $5,691 $6,521 $2,137 $2,288

Cheap Oakland, Tennessee Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Oakland, Tennessee is a challenge. Take a look at the annual teen auto insurance rates in Oakland, Tennessee.

Annual Auto Insurance Rates for Teen Drivers in Oakland, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,161 $13,222
Farmers $7,846 $8,366
GEICO $6,879 $6,977
Liberty Mutual $17,209 $19,105
Nationwide $6,600 $8,546
Progressive $8,496 $9,576
State Farm $5,173 $6,491
Travelers $5,326 $6,632
USAA $5,691 $6,521

Cheap Oakland, Tennessee Auto Insurance for Seniors

What are senior auto insurance rates in Oakland, Tennessee? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Oakland, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,861 $2,970
Farmers $1,752 $1,918
GEICO $2,011 $2,011
Liberty Mutual $3,433 $3,830
Nationwide $2,143 $2,183
Progressive $1,570 $1,638
State Farm $1,550 $1,550
Travelers $1,696 $1,806
USAA $1,469 $1,477

Cheap Oakland, Tennessee Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Oakland, Tennessee compared to the annual auto insurance rates with a clean record in Oakland, Tennessee.

Annual Oakland, Tennessee Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,618 $5,524 $6,664 $5,287
Farmers $3,119 $3,847 $3,948 $3,683
GEICO $2,455 $3,267 $5,233 $2,455
Liberty Mutual $5,777 $8,358 $7,778 $6,668
Nationwide $3,243 $3,243 $4,904 $3,645
Progressive $3,291 $4,263 $3,506 $3,876
State Farm $2,559 $3,043 $2,801 $2,801
Travelers $2,359 $3,038 $3,361 $2,906
USAA $2,084 $3,112 $3,665 $2,582

Cheap Oakland, Tennessee Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Oakland, Tennessee is not easy. Compare the annual rates for DUI auto insurance in Oakland, Tennessee to find the best deal.

Annual Auto Insurance Rates After a DUI in Oakland, Tennessee

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,664
Farmers $3,948
GEICO $5,233
Liberty Mutual $7,778
Nationwide $4,904
Progressive $3,506
State Farm $2,801
Travelers $3,361
USAA $3,665

Cheap Oakland, Tennessee Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Oakland, Tennessee annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Oakland, Tennessee

Insurance Company Poor Fair Good
Allstate $7,074 $5,394 $4,101
Farmers $4,348 $3,392 $3,208
GEICO $3,800 $3,259 $2,999
Liberty Mutual $10,267 $6,273 $4,895
Nationwide $4,522 $3,582 $3,172
Progressive $4,206 $3,618 $3,378
State Farm $4,069 $2,440 $1,894
Travelers $3,704 $2,919 $2,125
USAA $4,157 $2,426 $1,999

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Cheap Oakland, Tennessee Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Oakland, Tennessee can vary. Compare the annual cost of auto insurance by ZIP code in Oakland, Tennessee to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Oakland, Tennessee

ZIP Code Average Annual Rates
38060 $4,060
38068 $3,987

Cheap Oakland, Tennessee Auto Insurance Rates By Commute

Commute length and annual mileage affect Oakland, Tennessee auto insurance. Find the cheapest annual Oakland, Tennessee auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Oakland, Tennessee

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,523 $5,523
Farmers $3,649 $3,649
GEICO $3,328 $3,377
Liberty Mutual $7,145 $7,145
Nationwide $3,759 $3,759
Progressive $3,734 $3,734
State Farm $2,734 $2,869
Travelers $2,801 $3,031
USAA $2,778 $2,943

Cheap Oakland, Tennessee Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Oakland, Tennessee? Check out the comparison of annual Oakland, Tennessee auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Oakland, Tennessee

Insurance Company Low Medium High
Allstate $5,214 $5,502 $5,853
Farmers $3,431 $3,630 $3,887
GEICO $3,177 $3,347 $3,534
Liberty Mutual $6,851 $7,140 $7,444
Nationwide $3,785 $3,678 $3,813
Progressive $3,492 $3,733 $3,977
State Farm $2,641 $2,815 $2,948
Travelers $2,738 $2,914 $3,097
USAA $2,767 $2,850 $2,966

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Best By Category: Cheapest Auto Insurance in Oakland, Tennessee

Compare the cheapest auto insurance companies in Oakland, Tennessee in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Oakland, Tennessee

Category Insurance Company
Teenagers State Farm
Seniors USAA
Clean Record USAA
With 1 Accident Travelers
With 1 DUI State Farm
With 1 Speeding Violation GEICO

The Cheapest Oakland, Tennessee Auto Insurance Companies

What auto insurance companies in Oakland, Tennessee are the cheapest? Compare the top Oakland, Tennessee auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Oakland, Tennessee

Insurance Company Average Annual Rates
Allstate $5,523
Farmers $3,649
GEICO $3,353
Liberty Mutual $7,145
Nationwide $3,759
Progressive $3,734
State Farm $2,801
Travelers $2,916
USAA $2,861

What affects auto insurance rates in Oakland, Tennessee?

There are a lot of reasons why auto insurance rates in Oakland, Tennessee are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Oakland, Tennessee. Many local factors may affect your Oakland auto insurance rates.

Oakland Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Oakland, Tennessee commute length is 36.6 minutes according to City-Data.

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Compare Oakland, Tennessee Auto Insurance Quotes

Before you buy Oakland, Tennessee auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Oakland, Tennessee auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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