Best Cheap Auto Insurance in Oakland, TX (2021)

The average Oakland, TX auto insurance rates are $308 per month. The minimum auto insurance in Oakland is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Oakland, Texas, 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 most expensive auto insurance company in Oakland for teen drivers is American Family
  • Average auto insurance rates in Oakland, TX for senior drivers are $2,254 per year
  • The minimum auto insurance required in Oakland, Texas is 30/60/25

Oakland, Texas auto insurance requirements are 30/60/25 according to Texas 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, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Oakland to other Texas cities, including Laredo auto insurance rates, Arlington auto insurance rates, and Dallas auto insurance rates to see how Oakland, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Oakland, Texas

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

Minimum Required Auto Insurance Coverage in Oakland, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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

Auto insurance rates in Oakland, Texas 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, Texas

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 $3,431 $3,466 $3,389 $3,389 $8,963 $10,831 $4,242 $4,427
American Family $3,110 $3,481 $2,934 $3,381 $8,583 $11,229 $4,540 $5,185
GEICO $2,200 $2,373 $2,125 $2,415 $4,773 $4,926 $2,376 $2,358
Nationwide $2,140 $2,177 $1,893 $2,004 $6,027 $7,731 $2,509 $2,713
Progressive $2,179 $2,071 $1,938 $1,976 $8,961 $9,994 $2,573 $2,611
State Farm $1,817 $1,817 $1,610 $1,610 $4,233 $5,373 $1,967 $2,030
USAA $1,520 $1,531 $1,451 $1,442 $4,265 $4,651 $2,028 $2,178

Cheap Oakland, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Oakland, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,963 $10,831
American Family $8,583 $11,229
GEICO $4,773 $4,926
Nationwide $6,027 $7,731
Progressive $8,961 $9,994
State Farm $4,233 $5,373
USAA $4,265 $4,651

Cheap Oakland, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Oakland, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,389 $3,389
American Family $2,934 $3,381
GEICO $2,125 $2,415
Nationwide $1,893 $2,004
Progressive $1,938 $1,976
State Farm $1,610 $1,610
USAA $1,451 $1,442

Cheap Oakland, Texas 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, Texas compared to the annual auto insurance rates with a clean record in Oakland, Texas.

Annual Oakland, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,110 $6,293 $6,556 $4,110
American Family $4,836 $6,152 $5,398 $4,836
GEICO $2,500 $3,292 $2,761 $3,220
Nationwide $2,952 $2,952 $4,361 $3,331
Progressive $3,526 $4,544 $4,116 $3,966
State Farm $2,285 $2,604 $3,056 $2,285
USAA $1,778 $2,621 $3,093 $2,041

Cheap Oakland, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Oakland, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,556
American Family $5,398
GEICO $2,761
Nationwide $4,361
Progressive $4,116
State Farm $3,056
USAA $3,093

Cheap Oakland, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Oakland, Texas

Insurance Company Poor Fair Good
Allstate $6,700 $4,905 $4,196
American Family $7,238 $4,627 $4,052
GEICO $4,531 $2,575 $1,725
Nationwide $4,074 $3,275 $2,848
Progressive $4,552 $3,926 $3,636
State Farm $3,623 $2,254 $1,795
USAA $3,502 $2,022 $1,626

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Cheap Oakland, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Oakland, Texas

ZIP Code Average Annual Rates
78951 $5,446

Cheap Oakland, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Oakland, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,142 $5,392
American Family $5,306 $5,306
GEICO $2,888 $2,999
Nationwide $3,399 $3,399
Progressive $4,038 $4,038
State Farm $2,557 $2,557
USAA $2,353 $2,414

Cheap Oakland, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Oakland, Texas

Insurance Company Low Medium High
Allstate $5,145 $5,222 $5,434
American Family $4,899 $5,098 $5,919
GEICO $2,776 $2,903 $3,151
Nationwide $3,675 $3,255 $3,267
Progressive $3,841 $4,018 $4,255
State Farm $2,431 $2,549 $2,693
USAA $2,305 $2,374 $2,471

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Best By Category: Cheapest Auto Insurance in Oakland, Texas

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

Best Annual Auto Insurance Rates by Company in Oakland, Texas

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

The Cheapest Oakland, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Oakland, Texas

Insurance Company Average Annual Rates
Allstate $5,267
American Family $5,306
GEICO $2,943
Nationwide $3,399
Progressive $4,038
State Farm $2,557
USAA $2,383

Compare Oakland, Texas Auto Insurance Quotes

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