Compare Oak Park, MI Car Insurance Rates (2022)

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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UPDATED: Jun 22, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 22, 2022Fact Checked

Here's What You Need to Know

  • 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oak Park, 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 $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 in Oak Park, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Oak Park, 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

Cheapest Oak Park, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Oak Park, MI. Compare credit history car insurance rates in Oak Park from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Oak Park, Michigan

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. Compare bad driving record car insurance rates in Oak Park, MI to rates for a clean record with top companies.

Annual Oak Park, Michigan Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Oak Park, Michigan

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 senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Oak Park, Michigan

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 DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Oak Park, Michigan

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.

Annual Car Insurance Rates by Commute Length in Oak Park, Michigan

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.

Average Annual Car Insurance Rates by Company in Oak Park, Michigan

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.

Best Annual Car Insurance Rates by Company in Oak Park, Michigan

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 coverage you choose will have an impact on your Oak Park car insurance rates. Find the cheapest Oak Park, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Oak Park, Michigan

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 factors can have an impact on Oak Park, MI car insurance? 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.

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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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