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How much is car insurance in Oakdale?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $4 a month cheaper to insure your vehicle in Oakdale than it is in the rest of California.
Drivers relocating from out of state may enjoy some cost savings in Oakdale. It's about $29 cheaper to insure your vehicle in Oakdale compared to the average rate for the United States as a whole.
These may be the average auto insurance rates for Oakdale, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't worry, we've done the work for you and broken down the average rates for Oakdale to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Oakdale drivers may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their vehicle, Oakdale actually goes against the grain. While female drivers pay $54 per month for insurance coverage, males only pay about $50.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. In Oakdale, having a single accident on your record will usually get you rates around $57 a month. In addition, drivers with one ticket can expect to pay around $63 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$51|
According to the first table above, cars are typically the cheapest vehicles to insure in Oakdale, with drivers paying around $51 per month for insurance coverage.
Truck and van drivers will see rates of about $54 for auto insurance, while SUV owners by and large pay around $53 a month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Oakdale, vehicles less than or equal to one-year-old and six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
More often than not, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Oakdale as well, where the difference is around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment in Oakdale, expect to pay around $10 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Oakdale, CA
Recent trends in car insurance for Oakdale drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
The cost of insurance in Oakdale have been mixed as of late, it rose in 2017, fell in 2019, and increased again in 2021, before finishing at $57 in 2022.
How does Oakdale compare to neighboring areas?
Why are car insurance rates in Oakdale different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Community regulations
- Amount of drivers in the region
- Crime rates
- Road Safety (frequency of local car accidents)
- Off-street parking access
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Oakdale?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Oakdale.
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Oakdale Insurance FAQs
What factors affect car insurance quotes in Oakdale?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Oakdale different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Oakdale?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Oakdale?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Oakdale or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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