Best Cheap Auto Insurance in Oakley, MI (2021)

The average Oakley, MI auto insurance rates are $773 per month. The minimum auto insurance in Oakley is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Oakley, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 average commute length in Oakley is 34.1 minutes
  • Average auto insurance rates in Oakley, MI for senior drivers are $6,107 per year
  • The minimum auto insurance required in Oakley, Michigan is 20/40/10

Oakley, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Oakley 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 Oakley, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Oakley to other Michigan cities, including Warren auto insurance rates, Grand Rapids auto insurance rates, and Livonia auto insurance rates to see how Oakley, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Oakley, Michigan

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

Minimum Required Auto Insurance Coverage in Oakley, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Oakley, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Oakley, Michigan 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 Oakley, Michigan

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 $14,925 $14,925 $13,827 $13,827 $37,604 $37,604 $15,735 $15,735
Farmers $4,402 $4,402 $4,119 $4,119 $9,353 $9,353 $4,936 $4,936
GEICO $3,897 $3,897 $3,975 $3,975 $10,706 $10,706 $3,721 $3,721
Liberty Mutual $12,294 $12,294 $12,175 $12,175 $28,516 $28,516 $12,294 $12,294
Nationwide $4,005 $4,005 $3,584 $3,584 $9,927 $9,927 $4,357 $4,357
Progressive $3,200 $2,944 $2,821 $3,193 $11,322 $11,887 $3,708 $3,348
State Farm $7,637 $7,637 $7,099 $7,099 $26,953 $26,953 $8,970 $8,970
Travelers $5,615 $5,615 $4,820 $4,820 $16,936 $16,936 $6,099 $6,099
USAA $2,571 $2,450 $2,416 $2,289 $6,400 $6,131 $3,156 $3,049

Cheap Oakley, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Oakley, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $37,604 $37,604
Farmers $9,353 $9,353
GEICO $10,706 $10,706
Liberty Mutual $28,516 $28,516
Nationwide $9,927 $9,927
Progressive $11,322 $11,887
State Farm $26,953 $26,953
Travelers $16,936 $16,936
USAA $6,400 $6,131

Cheap Oakley, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Oakley, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,827 $13,827
Farmers $4,119 $4,119
GEICO $3,975 $3,975
Liberty Mutual $12,175 $12,175
Nationwide $3,584 $3,584
Progressive $2,821 $3,193
State Farm $7,099 $7,099
Travelers $4,820 $4,820
USAA $2,416 $2,289

Cheap Oakley, Michigan 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 Oakley, Michigan compared to the annual auto insurance rates with a clean record in Oakley, Michigan.

Annual Oakley, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,013 $13,342 $44,728 $14,007
Farmers $4,801 $6,094 $6,030 $5,885
GEICO $1,970 $4,152 $12,549 $3,628
Liberty Mutual $11,174 $13,680 $25,963 $14,461
Nationwide $4,672 $6,251 $5,684 $5,267
Progressive $4,471 $5,915 $5,321 $5,506
State Farm $8,022 $9,637 $20,942 $12,059
Travelers $5,663 $8,086 $13,026 $6,695
USAA $2,861 $3,568 $4,682 $3,120

Cheap Oakley, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Oakley, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $44,728
Farmers $6,030
GEICO $12,549
Liberty Mutual $25,963
Nationwide $5,684
Progressive $5,321
State Farm $20,942
Travelers $13,026
USAA $4,682

Cheap Oakley, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Oakley, Michigan

Insurance Company Poor Fair Good
Allstate $31,093 $17,230 $13,244
Farmers $7,633 $4,935 $4,539
GEICO $7,166 $5,270 $4,289
Liberty Mutual $25,786 $14,914 $8,258
Nationwide $6,889 $5,147 $4,369
Progressive $6,159 $5,148 $4,602
State Farm $20,557 $10,390 $7,048
Travelers $8,575 $8,316 $8,211
USAA $5,322 $3,032 $2,319

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Cheap Oakley, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Oakley, Michigan

ZIP Code Average Annual Rates
48649 $6,585

Cheap Oakley, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Oakley, Michigan auto insurance. Find the cheapest annual Oakley, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Oakley, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,522 $20,522
Farmers $5,702 $5,702
GEICO $5,448 $5,702
Liberty Mutual $15,768 $16,871
Nationwide $5,468 $5,468
Progressive $5,303 $5,303
State Farm $12,319 $13,011
Travelers $8,320 $8,416
USAA $3,518 $3,598

Cheap Oakley, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Oakley, Michigan

Insurance Company Low Medium High
Allstate $20,012 $20,568 $20,988
Farmers $5,580 $5,692 $5,835
GEICO $5,238 $5,529 $5,957
Liberty Mutual $15,937 $16,282 $16,741
Nationwide $5,754 $5,370 $5,282
Progressive $5,149 $5,308 $5,452
State Farm $12,006 $12,746 $13,242
Travelers $8,281 $8,376 $8,446
USAA $3,448 $3,567 $3,658

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Best By Category: Cheapest Auto Insurance in Oakley, Michigan

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

Best Annual Auto Insurance Rates by Company in Oakley, Michigan

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

The Cheapest Oakley, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Oakley, Michigan

Insurance Company Average Annual Rates
Allstate $20,522
Farmers $5,702
GEICO $5,575
Liberty Mutual $16,320
Nationwide $5,468
Progressive $5,303
State Farm $12,665
Travelers $8,368
USAA $3,558

What affects auto insurance rates in Oakley, Michigan?

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

Oakley Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Oakley, Michigan commute length is 34.1 minutes according to City-Data.

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Compare Oakley, Michigan Auto Insurance Quotes

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