Best Cheap Auto Insurance in Oakwood, TX (2021)

The average Oakwood, TX auto insurance rates are $313 per month. The minimum auto insurance in Oakwood is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Oakwood, 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 Oakwood for teen drivers is Progressive
  • The cheapest auto insurance company in Oakwood is USAA
  • The minimum auto insurance required in Oakwood, Texas is 30/60/25

Oakwood, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Oakwood 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 Oakwood, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Oakwood to other Texas cities, including Dallas auto insurance rates, San Antonio auto insurance rates, and El Paso auto insurance rates to see how Oakwood, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Oakwood, Texas

Oakwood, 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 Oakwood, Texas.

Minimum Required Auto Insurance Coverage in Oakwood, 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 Oakwood, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Oakwood, 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 Oakwood, 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 $3,660 $3,696 $3,618 $3,618 $9,504 $11,477 $4,517 $4,706
American Family $2,618 $2,910 $2,428 $2,778 $6,785 $8,852 $3,731 $4,240
GEICO $2,006 $2,148 $1,915 $2,138 $4,268 $4,464 $2,166 $2,180
Nationwide $2,061 $2,097 $1,823 $1,930 $5,791 $7,432 $2,415 $2,611
Progressive $2,806 $2,647 $2,496 $2,544 $11,860 $13,222 $3,310 $3,332
State Farm $2,075 $2,075 $1,839 $1,839 $4,871 $6,192 $2,249 $2,322
USAA $1,425 $1,438 $1,358 $1,353 $3,939 $4,303 $1,898 $2,045

Cheap Oakwood, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Oakwood, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,504 $11,477
American Family $6,785 $8,852
GEICO $4,268 $4,464
Nationwide $5,791 $7,432
Progressive $11,860 $13,222
State Farm $4,871 $6,192
USAA $3,939 $4,303

Cheap Oakwood, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Oakwood, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,618 $3,618
American Family $2,428 $2,778
GEICO $1,915 $2,138
Nationwide $1,823 $1,930
Progressive $2,496 $2,544
State Farm $1,839 $1,839
USAA $1,358 $1,353

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

Annual Oakwood, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,370 $6,701 $6,956 $4,370
American Family $3,911 $4,983 $4,366 $3,911
GEICO $2,265 $2,962 $2,508 $2,908
Nationwide $2,840 $2,840 $4,197 $3,204
Progressive $4,592 $5,968 $5,374 $5,173
State Farm $2,617 $2,987 $3,510 $2,617
USAA $1,661 $2,438 $2,875 $1,905

Cheap Oakwood, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Oakwood, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,956
American Family $4,366
GEICO $2,508
Nationwide $4,197
Progressive $5,374
State Farm $3,510
USAA $2,875

Cheap Oakwood, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Oakwood, Texas

Insurance Company Poor Fair Good
Allstate $7,142 $5,207 $4,450
American Family $5,903 $3,731 $3,244
GEICO $4,084 $2,330 $1,568
Nationwide $3,917 $3,151 $2,742
Progressive $5,943 $5,133 $4,755
State Farm $4,158 $2,583 $2,056
USAA $3,269 $1,880 $1,511

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Cheap Oakwood, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Oakwood, Texas

ZIP Code Average Annual Rates
75855 $5,659

Cheap Oakwood, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Oakwood, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,466 $5,733
American Family $4,293 $4,293
GEICO $2,611 $2,711
Nationwide $3,270 $3,270
Progressive $5,277 $5,277
State Farm $2,932 $2,932
USAA $2,192 $2,248

Cheap Oakwood, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Oakwood, Texas

Insurance Company Low Medium High
Allstate $5,449 $5,543 $5,807
American Family $4,010 $4,140 $4,728
GEICO $2,541 $2,633 $2,808
Nationwide $3,539 $3,131 $3,140
Progressive $4,960 $5,247 $5,624
State Farm $2,791 $2,923 $3,083
USAA $2,151 $2,212 $2,296

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Best By Category: Cheapest Auto Insurance in Oakwood, Texas

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

Best Annual Auto Insurance Rates by Company in Oakwood, Texas

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

The Cheapest Oakwood, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Oakwood, Texas

Insurance Company Average Annual Rates
Allstate $5,600
American Family $4,293
GEICO $2,661
Nationwide $3,270
Progressive $5,277
State Farm $2,932
USAA $2,220

What affects auto insurance rates in Oakwood, Texas?

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

Oakwood Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Oakwood, Texas commute length is 30.2 minutes according to City-Data.

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Compare Oakwood, Texas Auto Insurance Quotes

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

Free Auto Insurance Comparison

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