Best Oak Park, MI Car Insurance in 2024
Car insurance in Oak Park, MI averages $1,560 a month. Oak Park, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Oak Park car insurance rates, compare quotes from the top car insurance companies in Oak Park, MI.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Oak Park, MI are $18,716/year
- The cheapest car insurance company in Oak Park for teen drivers is USAA
- Average car insurance rates in Oak Park, MI after a DUI are $29,890/year
If you need to buy Oak Park, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Oak Park, MI is right here.
You’ll find Oak Park car insurance rates, the cheapest Oak Park, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Oak Park, Michigan car insurance rates to Sterling Heights car insurance rates, Lansing car insurance rates, and Ann Arbor car insurance rates.
Ready to find affordable Oak Park, MI car insurance today? Enter your ZIP code for fast, free Oak Park car insurance quotes.
Cheapest Oak Park, MI Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Oak Park, MI car insurance rates? Every Oak Park, Michigan car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $30,213 | $30,213 | $28,121 | $28,121 | $72,940 | $72,940 | $31,808 | $31,808 |
| Farmers | $27,300 | $27,300 | $25,137 | $25,137 | $62,195 | $62,195 | $30,958 | $30,958 |
| Geico | $7,469 | $7,469 | $7,596 | $7,596 | $19,562 | $19,562 | $7,097 | $7,097 |
| Liberty Mutual | $21,140 | $21,140 | $20,931 | $20,931 | $49,824 | $49,824 | $21,140 | $21,140 |
| Nationwide | $5,850 | $5,850 | $5,168 | $5,168 | $15,787 | $15,787 | $6,435 | $6,435 |
| Progressive | $4,487 | $4,108 | $3,931 | $4,481 | $16,230 | $17,035 | $5,229 | $4,690 |
| State Farm | $12,415 | $12,415 | $11,604 | $11,604 | $44,624 | $44,624 | $14,595 | $14,595 |
| Travelers | $7,464 | $7,464 | $6,400 | $6,400 | $22,645 | $22,645 | $8,116 | $8,116 |
| USAA | $3,514 | $3,293 | $3,305 | $3,097 | $8,638 | $8,112 | $4,277 | $4,056 |
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Minimum Car Insurance in Oak Park, MI
Every driver must carry the minimum car insurance required by the state in Oak Park, MI. Take a look at the Michigan car insurance requirements.
| 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 |
Cheapest Oak Park, MI Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Oak Park, MI. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Oak Park from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $62,400 | $34,186 | $25,727 |
| Farmers | $53,881 | $28,684 | $26,627 |
| Geico | $13,459 | $9,851 | $7,984 |
| Liberty Mutual | $44,758 | $25,810 | $14,209 |
| Nationwide | $10,461 | $7,831 | $6,638 |
| Progressive | $8,772 | $7,303 | $6,497 |
| State Farm | $33,863 | $17,046 | $11,519 |
| Travelers | $11,437 | $11,087 | $10,945 |
| USAA | $7,217 | $4,080 | $3,062 |
Cheapest Oak Park, MI Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Oak Park, MI to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $20,208 | $26,917 | $87,999 | $27,959 |
| Farmers | $30,277 | $39,238 | $38,518 | $37,556 |
| Geico | $3,645 | $7,725 | $23,599 | $6,756 |
| Liberty Mutual | $19,622 | $23,790 | $44,402 | $25,221 |
| Nationwide | $7,087 | $9,497 | $8,648 | $8,009 |
| Progressive | $6,299 | $8,420 | $7,555 | $7,822 |
| State Farm | $13,048 | $15,748 | $34,644 | $19,797 |
| Travelers | $7,561 | $10,789 | $17,326 | $8,948 |
| USAA | $3,831 | $4,813 | $6,320 | $4,182 |
Cheapest Oak Park, MI Car Insurance for Teen Drivers
Teen car insurance in Oak Park, MI can be expensive. Take a look at rates from the top car insurance companies in Oak Park for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $72,940 | $72,940 |
| Farmers | $62,195 | $62,195 |
| Geico | $19,562 | $19,562 |
| Liberty Mutual | $49,824 | $49,824 |
| Nationwide | $15,787 | $15,787 |
| Progressive | $16,230 | $17,035 |
| State Farm | $44,624 | $44,624 |
| Travelers | $22,645 | $22,645 |
| USAA | $8,638 | $8,112 |
Cheapest Oak Park, MI Car Insurance for Seniors
Take a look at Oak Park, MI rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $28,121 | $28,121 |
| Farmers | $25,137 | $25,137 |
| Geico | $7,596 | $7,596 |
| Liberty Mutual | $20,931 | $20,931 |
| Nationwide | $5,168 | $5,168 |
| Progressive | $3,931 | $4,481 |
| State Farm | $11,604 | $11,604 |
| Travelers | $6,400 | $6,400 |
| USAA | $3,305 | $3,097 |
Cheapest Oak Park, MI Car Insurance Rates After a DUI
A DUI in Oak Park, MI increases car insurance rates. Compare Oak Park, Michigan car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $87,999 |
| Farmers | $38,518 |
| Geico | $23,599 |
| Liberty Mutual | $44,402 |
| Nationwide | $8,648 |
| Progressive | $7,555 |
| State Farm | $34,644 |
| Travelers | $17,326 |
| USAA | $6,320 |
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Cheapest Oak Park, MI Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Oak Park, MI by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $40,771 | $40,771 |
| Farmers | $36,397 | $36,397 |
| Geico | $10,188 | $10,674 |
| Liberty Mutual | $27,284 | $29,234 |
| Nationwide | $8,310 | $8,310 |
| Progressive | $7,524 | $7,524 |
| State Farm | $20,214 | $21,405 |
| Travelers | $11,092 | $11,221 |
| USAA | $4,730 | $4,843 |
The Best Cheap Car Insurance Companies in Oak Park, MI
Take a look at a side-by-side comparison of the top car insurance companies in Oak Park, MI to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $40,771 |
| Farmers | $36,397 |
| Geico | $10,431 |
| Liberty Mutual | $28,259 |
| Nationwide | $8,310 |
| Progressive | $7,524 |
| State Farm | $20,809 |
| Travelers | $11,156 |
| USAA | $4,787 |
Category Winners: Cheapest Car Insurance in Oak Park, Michigan
Find the cheapest car insurance companies in Oak Park, MI for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
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Cheapest Oak Park, MI Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Oak Park car insurance rates. Find the cheapest Oak Park, MI car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $39,595 | $40,881 | $41,837 |
| Farmers | $35,130 | $36,262 | $37,801 |
| Geico | $9,830 | $10,341 | $11,123 |
| Liberty Mutual | $27,594 | $28,193 | $28,989 |
| Nationwide | $8,668 | $8,177 | $8,086 |
| Progressive | $7,279 | $7,532 | $7,761 |
| State Farm | $19,590 | $20,960 | $21,878 |
| Travelers | $11,055 | $11,166 | $11,247 |
| USAA | $4,641 | $4,800 | $4,919 |
What affects car insurance rates in Oak Park, Michigan?
What are the factors that affect car insurance rates in Oak Park, MI? There are several reasons why Oak Park car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Oak Park, Michigan.
Car Theft in Oak Park
High levels of vehicle theft can make car insurance more expensive. Oak Park, MI car theft statistics from the FBI indicate 49 vehicle thefts a year.
Commute Time in Oak Park
The more time you spend in your car the higher the risk of an accident. The average commute length in Oak Park, MI is 20.4 minutes according to City-Data.
Compare Car Insurance Quotes in Oak Park, MI
Ready to find affordable Oak Park, Michigan car insurance today? Enter your ZIP code for fast, free Oak Park, MI car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I compare car insurance rates in Oak Park, MI?
To compare car insurance rates in Oak Park, MI, you can follow these steps:
- Gather necessary information: Collect details about your vehicle, including the make, model, year, and any safety features it may have.
- Research insurance providers: Look for reputable insurance companies that offer coverage in Oak Park, MI.
- Obtain quotes: Contact insurance providers directly or use online insurance comparison websites to request quotes for your specific vehicle and coverage needs.
- Compare coverage options: Review the coverage limits, deductibles, and any additional features or benefits offered by each insurance company.
- Consider your needs and budget: Determine which insurance policy offers the best coverage and fits within your budget.
- Purchase your chosen policy: Once you have made a decision, contact the insurance company to purchase the policy.
What factors affect car insurance rates in Oak Park, MI?
Several factors can influence car insurance rates in Oak Park, MI, including:
- Age and driving experience of the primary driver
- Location where the vehicle will be primarily driven and parked in Oak Park, MI
- The make, model, and year of the vehicle
- Safety features and anti-theft devices installed in the car
- Annual mileage and usage of the vehicle
- Driving record and claims history of the primary driver
- Credit history (in some cases)
- Coverage options and deductibles selected
Are car insurance rates higher in Oak Park, MI compared to other areas?
Car insurance rates can vary based on location, and rates in Oak Park, MI may be influenced by factors specific to the area. Factors such as population density, traffic congestion, crime rates, and frequency of accidents in Oak Park, MI can impact insurance rates. It’s recommended to obtain quotes from insurance providers to get an accurate idea of car insurance rates in the area.
Can I get discounts on car insurance in Oak Park, MI?
Yes, it is possible to obtain discounts on car insurance in Oak Park, MI. Insurance companies often offer various discounts to policyholders. Some common discounts that might be available include:
- Multi-policy discount: If you have multiple insurance policies with the same provider, such as auto and home insurance.
- Safe driver discount: If you have a clean driving record without any accidents or violations.
- Anti-theft device discount: If your vehicle is equipped with anti-theft devices or features.
- Safety feature discount: If your car has safety features like airbags, anti-lock brakes, or electronic stability control.
- Good student discount: If you or a household member who drives the car is a full-time student with good grades. It’s recommended to inquire about available discounts when obtaining insurance quotes in Oak Park, MI.
Are there any specific insurance considerations for Oak Park, MI residents?
While insurance considerations can vary based on individual circumstances, there are a few points to keep in mind for Oak Park, MI residents when it comes to car insurance:
- Michigan is a no-fault state: This means that each party’s insurance company typically pays for their own medical expenses and certain damages, regardless of fault. Make sure you have the appropriate coverage to comply with Michigan’s no-fault laws.
- Minimum coverage requirements: Ensure that you meet the minimum liability coverage requirements set by the state of Michigan.
- Additional coverage options: Consider additional coverage options such as comprehensive, collision, and uninsured/underinsured motorist coverage to provide extra protection. Consult with insurance providers to understand the specific coverage requirements and options available to Oak Park, MI residents.
How do I find the best car insurance rates in Oak Park, MI?
To find the best car insurance rates in Oak Park, MI, consider following these steps:
- Shop around: Obtain quotes from multiple insurance companies to compare rates and coverage options.
- Evaluate coverage needs: Determine the coverage limits and types of coverage you require based on your vehicle, driving habits, and budget.
- Consider deductibles: Decide on an appropriate deductible amount that you’re comfortable paying in the event of a claim.
- Check for discounts: Inquire about available discounts, such as multi-policy, safe driver, or loyalty discounts that can help lower your premiums.
- Review customer satisfaction and financial stability: Look into the insurance company’s reputation for customer service and its financial stability to ensure they can meet their obligations.
- Seek professional advice: Consult with an insurance agent or broker who can provide personalized guidance and help you find the best rates for your needs.
What factors contribute to higher car insurance rates in Oak Park, MI?
Several factors can contribute to higher car insurance rates in Oak Park, MI, including:
- High population density and traffic congestion, which can increase the likelihood of accidents.
- Higher crime rates, including auto theft and vandalism, can lead to increased insurance premiums.
- Weather conditions and natural disasters prevalent in the area may impact rates.
- The frequency of insurance claims filed by policyholders in Oak Park, MI can affect rates for everyone in the area.
- The cost of medical care and auto repairs in the region may also influence insurance rates.
Are there ways to lower car insurance rates in Oak Park, MI?
Yes, there are several ways to lower car insurance rates in Oak Park, MI. Here are some strategies you can consider:
- Maintain a clean driving record: Avoid traffic violations, accidents, and claims to demonstrate safe driving habits.
- Bundle policies: Consider bundling your car insurance with other policies, such as home or renters insurance, to take advantage of multi-policy discounts.
- Increase deductibles: Opting for higher deductibles can lower your premium, but be sure to choose an amount you can afford in the event of a claim.
- Install safety features: Equipping your vehicle with safety features such as anti-lock brakes, airbags, and anti-theft devices may qualify you for discounts.
- Take advantage of discounts: Inquire about available discounts, such as good student discounts, safe driver discounts, or discounts for low mileage.
- Improve credit score: Maintaining good credit can sometimes help lower insurance rates, as some insurers consider credit history in their pricing models.
- Shop around regularly: Periodically compare quotes from different insurance providers to ensure you’re getting the best rate available.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.