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How much is car insurance in Oakdale?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $4 a month cheaper to insure your vehicle in Oakdale than it is in the rest of California.
Similarly, car insurance rates in Oakdale are more affordable than the national average. It's about $28 cheaper than the national average to insure your vehicle in Oakdale.
While these are the average car insurance rates for Oakdale, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've done the heavy lifting for you and broken down the average rate for Oakdale so that you can get a more accurate idea of what your policy will cost you. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay $36 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates creep back up once you hit retirement in Oakdale.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While this isn't true in Oakdale, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records will obviously pay much less than those with infractions. In Oakdale, having a single accident on your record will usually get you rates around $57 a month. Similarly, drivers with one ticket will typically pay around $54 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$36|
|15 Years or Older||$52|
If you look at the first table above, you'll see that cars are typically the cheapest vehicles to insure in Oakdale, with drivers paying around $50 per month for insurance.
Truck and van drivers will see rates of about $54, while the rates for SUV owners average out to about $56 a month.
You can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Oakdale, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
More often than not, those who have settled down into marriage will pay slightly less to insure their vehicle. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Oakdale reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $16 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 situation. In Oakdale, homeowners can expect to pay around $10 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Oakdale, CA
Recent trends in car insurance for Oakdale drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
The rates for car insurance in Oakdale rose from 2016-2018, when they reached a high of $68. This trend leveled out in 2019, when they began to decrease, and have continued moving in that direction through the present, where rates finished at $38 per month.
How does Oakdale compare to neighboring areas?
Why are car insurance rates in Oakdale different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Off-street parking access
- Area crime rates
- Community laws
- Number of drivers in the area
- Road Safety (frequency of local car accidents)
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Oakdale?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Oakdale.
Oakdale Insurance FAQs
What factors affect car insurance quotes in Oakdale?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Oakdale different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
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 however, 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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Oakdale or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.