Buy Cheap Oak Harbor, WA Auto Insurance (2022)

Oak Harbor, WA auto insurance rates average $210 a month. Minimum auto insurance requirements in Oak Harbor, Washington are 25/50/10 to comply with Washington laws. To buy cheap auto insurance in Oak Harbor, WA, compare Oak Harbor auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Oak Harbor, WA for teens drivers are $5,046/year
  • The most expensive auto insurance company in Oak Harbor after a DUI is Liberty Mutual
  • The most expensive auto insurance company in Oak Harbor is Liberty Mutual

Finding affordable Oak Harbor, Washington auto insurance can be challenging, but everything you need to know to buy cheap Oak Harbor, WA auto insurance with confidence is right here. Auto insurance rates in Oak Harbor are affected by local factors as well as personal ones like your driving record.

See how Oak Harbor, WA car insurance rates compare to Spokane Valley auto insurance rates, Renton auto insurance rates, and Kent auto insurance rates before you read more about the cost of auto insurance in Oak Harbor.

Don’t buy Oak Harbor, WA auto insurance until you’ve compared rates. Get free Oak Harbor, Washington auto insurance quotes when you enter your ZIP code above.

Oak Harbor, WA Minimum Auto Insurance Requirements

The required auto insurance in Oak Harbor, WA is 25/50/10 according to the auto insurance laws in Washington. The minimum auto insurance in Oak Harbor, Washington is outlined here.

Minimum Required Auto Insurance Coverage in Oak Harbor, Washington

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Oak Harbor, WA Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Oak Harbor, WA. Take a look at Oak Harbor, Washington auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Oak Harbor, Washington

Insurance Company Poor Fair Good
Allstate $3,495 $2,655 $2,279
American Family $3,526 $2,882 $2,561
Farmers $2,971 $2,241 $2,089
GEICO $2,493 $1,995 $1,796
Liberty Mutual $5,082 $3,136 $2,463
Nationwide $2,245 $1,772 $1,658
Progressive $3,278 $2,927 $2,726
State Farm $3,129 $1,879 $1,461
USAA $2,174 $1,597 $1,407

Buy Cheap Oak Harbor, WA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Oak Harbor, Washington auto insurance rates? Find out how car insurance rates in Oak Harbor, WA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Oak Harbor, Washington

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 $1,712 $1,699 $1,583 $1,654 $5,636 $6,483 $1,821 $1,889
American Family $1,584 $1,584 $1,447 $1,447 $5,991 $8,162 $1,584 $2,114
Farmers $1,727 $1,771 $1,582 $1,781 $3,933 $4,222 $2,175 $2,279
GEICO $1,420 $1,446 $1,334 $1,334 $3,068 $4,016 $2,390 $1,748
Liberty Mutual $1,590 $1,741 $1,429 $1,677 $8,806 $9,691 $1,701 $1,849
Nationwide $1,235 $1,262 $1,150 $1,196 $3,268 $3,977 $1,465 $1,580
Progressive $1,409 $1,315 $1,271 $1,285 $7,152 $8,014 $1,687 $1,682
State Farm $1,353 $1,353 $1,217 $1,217 $3,886 $4,919 $1,537 $1,766
USAA $889 $877 $859 $858 $3,675 $4,331 $1,110 $1,210

Buy Cheap Oak Harbor, WA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Oak Harbor can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Oak Harbor, WA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Oak Harbor, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,636 $6,483
American Family $5,991 $8,162
Farmers $3,933 $4,222
GEICO $3,068 $4,016
Liberty Mutual $8,806 $9,691
Nationwide $3,268 $3,977
Progressive $7,152 $8,014
State Farm $3,886 $4,919
USAA $3,675 $4,331

Buy Cheap Oak Harbor, WA Auto Insurance for Seniors

You can save on senior auto insurance rates in Oak Harbor, Washington by comparing Oak Harbor senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Oak Harbor, WA here.

Annual Auto Insurance Rates for Senior Drivers in Oak Harbor, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,583 $1,654
American Family $1,447 $1,447
Farmers $1,582 $1,781
GEICO $1,334 $1,334
Liberty Mutual $1,429 $1,677
Nationwide $1,150 $1,196
Progressive $1,271 $1,285
State Farm $1,217 $1,217
USAA $859 $858

Find Cheap Auto Insurance Rates in Oak Harbor, WA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Oak Harbor, Washington auto insurance. Compare Oak Harbor, WA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Oak Harbor, Washington

Insurance Company Low Medium High
Allstate $2,659 $2,801 $2,969
American Family $2,818 $2,985 $3,165
Farmers $2,277 $2,437 $2,587
GEICO $1,971 $2,096 $2,217
Liberty Mutual $3,333 $3,567 $3,781
Nationwide $1,789 $1,891 $1,996
Progressive $2,714 $2,906 $3,311
State Farm $2,013 $2,165 $2,291
USAA $1,610 $1,724 $1,845

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Find Cheap Oak Harbor, WA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Oak Harbor. Compare auto insurance rates in Oak Harbor, WA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Oak Harbor, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,810 $2,810
American Family $2,928 $3,050
Farmers $2,434 $2,434
GEICO $2,068 $2,121
Liberty Mutual $3,560 $3,560
Nationwide $1,892 $1,892
Progressive $2,977 $2,977
State Farm $2,097 $2,215
USAA $1,709 $1,743

Find Cheap Oak Harbor, WA Auto Insurance Rates by Driving Record

Auto insurance rates in Oak Harbor, Washington are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Oak Harbor, WA, take a look at the average cost for various violations versus rates for a clean driving record in Oak Harbor.

Annual Oak Harbor, Washington Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,394 $2,947 $3,243 $2,655
American Family $2,398 $3,069 $3,552 $2,939
Farmers $2,011 $2,500 $2,724 $2,500
GEICO $1,616 $2,067 $3,080 $1,616
Liberty Mutual $3,039 $3,827 $3,900 $3,476
Nationwide $1,477 $1,989 $2,488 $1,612
Progressive $2,412 $3,773 $2,814 $2,909
State Farm $1,962 $2,351 $2,156 $2,156
USAA $1,275 $1,838 $2,288 $1,503

Find Cheap Oak Harbor, WA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Oak Harbor, Washington is higher than for a clean driving record. You can buy auto insurance after a DUI in Oak Harbor for less when you shop around and compare rates from multiple Oak Harbor, WA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Oak Harbor, Washington

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,243
American Family $3,552
Farmers $2,724
GEICO $3,080
Liberty Mutual $3,900
Nationwide $2,488
Progressive $2,814
State Farm $2,156
USAA $2,288

Winners by Category: Where to Buy Cheap Auto Insurance in Oak Harbor, WA

Compare rates from the cheapest auto insurance companies in Oak Harbor, WA for your needs. Take a look at how Oak Harbor, Washington auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Oak Harbor, Washington

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

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Find Cheap Oak Harbor, Washington Auto Insurance Companies

If you’re looking for the cheapest Oak Harbor, WA auto insurance companies overall, you can compare them here. Find the best price for Oak Harbor, Washington car insurance by company.

Average Annual Auto Insurance Rates by Company in Oak Harbor, Washington

Insurance Company Average Annual Rates
Allstate $2,810
American Family $2,989
Farmers $2,434
GEICO $2,095
Liberty Mutual $3,560
Nationwide $1,892
Progressive $2,977
State Farm $2,156
USAA $1,726

What affects Oak Harbor, Washington auto insurance rates?

Local factors affect auto insurance rates in Oak Harbor, WA, including traffic, theft statistics, and commute length. Take a look at the things that impact Oak Harbor auto insurance rates.

Auto Theft in Oak Harbor

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Oak Harbor, WA auto theft show a total of 21 vehicle thefts annually.

Commute Times in Oak Harbor

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Oak Harbor, WA is 21.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Oak Harbor, WA

You can buy cheap Oak Harbor, WA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Oak Harbor, Washington auto insurance quotes from top companies.

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