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Cheap Car Insurance in Oak Harbor (Jan 2025)
Cheap Car Insurance in Oak Harbor (Jan 2025)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Washington.
Find Insurance Savings
No long forms
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Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Head of Insurance Operations
Edited by Lina Zhang, Lisenced Insurance Agent
Learn more about our insurance review board
What's on this page?
- How to find the cheapest car insurance quotes in Oak Harbor
- Best car insurance companies in Oak Harbor
- Best cheap car insurance quotes in Oak Harbor
- Average cost of car insurance in Oak Harbor
- Car insurance quotes in Oak Harbor by rating factors
- How Do Different Factors Impact Your Car Insurance Costs in Oak Harbor?
- Cheap car insurance quotes in Oak Harbor after driving violations
- Cheap car insurance quotes in Oak Harbor by age
- Cheap car insurance quotes in Oak Harbor based on insurance history
- Cheap car insurance quotes in Oak Harbor for popular cars
- How to lower car insurance costs in Oak Harbor
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in Oak Harbor
In Oak Harbor, the average
auto insurance
policy costs about $72 per month for minimum coverage liability insurance, and about $203 per month for full coverage insurance. Oak Harbor drivers pay 39% less than the Rhode Island
average. Drivers looking to save on car insurance in Oak Harbor, Rhode Island trust Jerry. Jerry helps you
compare and buy car insurance policies
that meet your needs and budget in seconds. Check out the table below for cheap car insurance quotes Jerry found for Oak Harbor drivers. | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $64 | Edward, 25 Zip: 98277 | Toyota 4runner SR5 | • State Minimum Liability |
Bristol West | $75 | Juan, 31 Zip: 98277 | Honda Accord Sport | • State Minimum Liability |
National General | $128 | Don, 29 Zip: 98278 | Volkswagen Jetta S | • State Minimum Liability • Comp / Collision |
Encompass | $139 | Christian, 38 Zip: 98277 | GMC Envoy XUV | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 30, 2025Best car insurance companies in Oak Harbor
There is no one-size-fits-all model for car insurance—what works for one driver may not work for another.
Car insurance quotes
vary between providers and drivers due to age, driving record, and credit score. So no single company offers the most affordable rate for every driver. Aside from price, there are other factors to consider when choosing an insurance provider, such as claims handling and customer service.
For Oak Harbor drivers looking for the cheapest car insurance company in Rhode Island, you’re in the right place. Jerry conducted the largest insurance survey in the nation—and the results were surprising. Big-name carriers like GEICO and Progressive received good feedback for customer service, but only Liberty Mutual and Nationwide got 5/5 rankings overall.
If you’re wondering which carrier might be your best pick, check out the table below to see how Oak Harbor drivers ranked different insurance companies on a scale of 0 to 5.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
State Farm | 4.5 | 4.4 | 3.7 | 4.3 |
| Allstate | 4.4 | 3.7 | N/A | 4.5 |
| Progressive | 4.2 | 4 | 3 | 4 |
Geico | 3.8 | 3.4 | 3.8 | 3.7 |
USAA | 3.6 | 3.2 | 4.3 | 3.4 |
Best cheap car insurance quotes in Oak Harbor
Drivers in Oak Harbor must carry liability insurance that meets the state-mandated requirements before getting on the road. But while minimum coverage might be all that’s required, it’s often not enough.
Consider purchasing a full coverage policy. If you’re involved in an accident, whether at fault or not, collision and comprehensive coverage offer greater financial protection for you and your car.
Cheap minimum liability insurance quotes in Oak Harbor
If you’re behind the wheel in Oak Harbor, Rhode Island, you’ll need bodily injury and property damage liability that meets the state coverage limits. In Rhode Island, it follows the 25/50/25 rule.
- $50,000 bodily injury liability per accident
In most cases, drivers in Rhode Island must also have
uninsured motorist coverage
, but you can choose to decline the purchase if you have a policy with only the minimum limits of bodily injury and property damage liability as required by law.With this basic liability insurance coverage, you’ll be covered up to your policy limits if you’re at fault in an accident that causes injury or property damage while driving.
Finding affordable car insurance can be tricky—but Jerry is here to help.
Edward (25 years old)
$64
per month
National General
Don (29 years old)
$128
per month
Clearcover
Evelyn (31 years old)
$115
per month
Do you need more than minimum coverage in Oak Harbor?
The minimum insurance requirements in Rhode Island are higher than in many other states, but most drivers purchase minimum insurance that exceeds the 25/50/25 liability coverage.
If you’re involved in a car crash, and you or the other party sustain serious injuries or damage, the expenses can quickly add up to more than your policy limits. And if you’re found at fault, you’ll need to cover the rest of the damage costs yourself. For this reason, insurance experts generally recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.
On top of that, liability coverage only covers others’ injuries and damages—not your own. Without additional coverage, you could be on the hook for covering your own medical expenses or vehicle damage.
The bottom line: For more financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Oak Harbor
If you don’t want to deal with the financial burden of a serious accident, investing in full-coverage
car insurance
is the way to go. Full-coverage insurance includes liability coverage in addition to comprehensive and collision coverage.
- Comprehensive coveragepays for damage to your car from almost all other causes, including fire, theft, vandalism, hail, ice, flooding, and animal damage. It will also cover the cost of broken glass, such as windshield damage.
- Collision coveragepays for damage that results from a collision with another car or stationary object, such as a tree or sign.
If you lease or finance your car, your lender will require you to have collision and comprehensive coverage.
On top of a full-coverage policy, you can also purchase
uninsured motorist coverage
to protect you against injuries and property damage if you’re in a collision with a driver who doesn’t have insurance.Check out the table below for examples of how drivers in Oak Harbor found affordable full-coverage insurance policies with Jerry.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $118 | Mayme, 31 Zip: 98277 | Honda Accord Sport |
• State Minimum Liability • Comp / Collision | Safeco | $95 | Kathryn, 36 Zip: 98277 | Toyota Camry L |
• State Minimum Liability • Comp / Collision | National General | $128 | Don, 29 Zip: 98278 | Volkswagen Jetta S |
• State Minimum Liability • Comp / Collision | Dairyland | $272 | Samuel, 22 Zip: 98277 | Hyundai Elantra SE |
Last Updated Jan 30, 2025Finding affordable car insurance doesn’t have to be like finding a needle in a haystack. With a comparison app and licensed
insurance broker
like Jerry, you can find the coverage you need at the most affordable rates in minutes. And with over 100+ licensed insurance agents and 24/7 end-to-end customer service, no questions will go unanswered.Average cost of car insurance in Oak Harbor
After analyzing scores of insurance providers in Oak Harbor, we have discovered that the average price for minimum liability coverage amounts to be $72 per month or $864 per year. Additionally, residents of Oak Harbor can expect to pay an average of $203 per month or $2,436 per year for full coverage insurance.
| Insurance coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $70 | $834 |
Full coverage | $158 | $1,895 |
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.
Average cost of car insurance in Oak Harbor by zip code
The cost of car insurance in Oak Harbor can greatly differ depending on your specific zip code. Each individual zip code within Oak Harbor has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.
In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.
[AverageInsuranceTable]: insurance data empty
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Car insurance quotes in Oak Harbor by rating factors
Insurance companies in Oak Harbor use many rating factors when
deciding your auto insurance premium
: - Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How Do Different Factors Impact Your Car Insurance Costs in Oak Harbor?
How Do Different Factors Impact Your Car Insurance Costs in Oak Harbor?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Rhode Island currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Oak Harbor:
Cheap car insurance quotes in Oak Harbor after driving violations
Your
Rhode Island driving record
also has a big influence on your car insurance premium. If your driving record has a long history of violations, you’re flagged as a “high-risk driver
” and will pay more for insurance. Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
- Driving without insurance
Cheapest car insurance in Oak Harbor after speeding ticket
Speeding tickets
don’t always increase your car insurance rates, but they do in Rhode Island—and some have more of an impact than others. If you’re caught driving 22 mph or more over the speed limit, for example, you’ll see a steeper rate hike than a speeding ticket for just 3 mph over the speed limit.Here are rates Rhode Island drivers have found through Jerry after receiving a speeding ticket.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 16-20 | Safeco | $236 | Frank, 26 Zip: 98277 | Nissan Sentra S | • 50,000/100,000 Liability • Comp / Collision |
Speeding 21+ | Progressive | $228 | Brandon, 23 Zip: 98277 | Ford Fusion Titanium | • State Minimum Liability • Comp / Collision |
Last Updated Jan 30, 2025 Cheapest car insurance in Oak Harbor after DUI
A
DUI violation
in Rhode Island can send you car insurance rates through the roof. Having a DUI charge on your driving record classifies you as a high-risk driver, and many insurers aren’t willing to offer high-risk car insurance. But there’s good news—some insurers charge less for car insurance for drivers with a major violation on their record, so it can pay to shop around.
Rhode Islanders have found affordable policies with Jerry after receiving a DUI.
Dairyland
Gertrude (63 years old)
$61
per month
Cheapest car insurance in Oak Harbor after an at-fault accident
Your accident and claims history plays a major role in how much you pay for car insurance. That said, having
accident forgiveness
on your policy can help prevent your rates from spiking.Drivers who have had one or more at-fault accidents can often see high insurance premiums—check out how Jerry helped Oak Harbor drivers with an accident on their record find affordable insurance.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Travelers | $172 | Abbie, 35 Zip: 98277 | Chevrolet Sonic Premier | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | Safeco | $236 | Nancy, 26 Zip: 98277 | Nissan Sentra S | • 50,000/100,000 Liability • Comp / Collision |
| Progressive | $64 | Edward, 24 Zip: 98277 | Toyota 4runner SR5 | • State Minimum Liability |
Last Updated Jan 30, 2025Cheapest car insurance in Oak Harbor after other driving violations
Speeding tickets, DUIs, and at-fault accidents aren’t the only reasons your insurance could increase. Other driving violations, such as
reckless driving
and driving without insurance, can also cause your car insurance costs to increase in Oak Harbor. To get a better idea of how violations can cause rates to vary, here’s a look at the rates Jerry users have found for various violations.
Last Updated Jan 28, 2025Cheap car insurance quotes in Oak Harbor by age
Teen drivers
aged 16 to 19 and those without an unrestricted driver’s license
see some of the highest insurance rates of any age demographic due to limited driving experience. After age 25, safe drivers typically see their car insurance rates decrease—but they’ll start to increase again in their mid-70s.Cheapest car insurance in Oak Harbor for young drivers
Drivers under 19 pay the highest insurance rates out of any age group in Oak Harbor. For teen drivers with a new car, purchasing a full coverage policy is recommended. Limited driving experience means a higher risk of getting into a car crash, so full coverage can offer greater financial protection and peace of mind—and staying on a parent's insurance policy can also keep rates low.
Dairyland
Samuel (22 years old)
$272
per month
Cheapest car insurance in Oak Harbor for senior drivers
Seniors are also hit hard when it comes to insurance premiums.
Car insurance rates for seniors
start to rise around 75 for several reasons—namely that older drivers are more susceptible to severe injuries and mortality if involved in an accident and have slower reflexes that can increase the risk of a collision. 
Edwin (68 years old)
$71
per month
Marie (68 years old)
$57
per month
Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
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Courtney
Got a decent rate for my Tesla Model S from travelers
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Great feel for this app, It's helping me save money!
Aaron
They were affordable and great very personable and reasonable
Audrey
Cheap car insurance quotes in Oak Harbor based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Ola (29 years old)
$101
per month
Travelers
Abbie (35 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Oak Harbor, WA (Zip Code: 98277)
$172
per month
Gary (31 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Oak Harbor, WA (Zip Code: 98277)
$129
per month
Mercury
Violet (35 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Oak Harbor, WA (Zip Code: 98277)
$166
per month
Cheap car insurance quotes in Oak Harbor for drivers with poor credit
While having
a low credit score
doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | The General | $74 | Angel, 25 Zip: 98277 | Toyota 4runner SR5 | • State Minimum Liability |
660 - 750 | The General | $74 | Mark, 25 Zip: 98277 | Toyota 4runner SR5 | • State Minimum Liability |
550 - 659 | The General | $126 | Danny, 36 Zip: 98277 | Ford F150 Supercrew | • State Minimum Liability • Comp / Collision |
Last Updated Jan 30, 2025Cheap car insurance quotes in Oak Harbor for popular cars
Your vehicle make and model have a significant impact on your car insurance costs. Insurers will evaluate your vehicle’s safety, theft risk, repair and replacement costs, and other factors when calculating your premium.
Some of the most popular vehicles in Rhode Island include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota 4runner SR5 | Progressive | $64 | Mae, 24 Zip: 98277 | • State Minimum Liability |
Last Updated Jan 30, 2025Cheapest car insurance in Oak Harbor for new vs. old car
Your vehicle’s make and model aren’t the only things that matter—its age does, too. The cost of insuring a newer car in Oak Harbor is generally more expensive than that of an older car.
Average insurance rates in Oak Harbor for vehicles based on age are:
- Vehicles 10 years or older: $218
- Vehicles less than 4 years old: $218
Edward (25 years old)
$64
per month
Ernest (31 years old)
2019 Honda Accord Sport
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Oak Harbor, WA (Zip Code: 98277)
$129
per month
Encompass
Christian (38 years old)
2004 GMC Envoy XUV
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Oak Harbor, WA (Zip Code: 98277)
$139
per month
How to lower car insurance costs in Oak Harbor
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Oak Harbor?
People living in Oak Harbor pay on average $72 per month – or $864 per year – on state-minimum liability coverage. Full coverage in Oak Harbor costs on average $203 per month of $2,436 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Oak Harbor?
Based on thousands of Oak Harbor drivers Jerry has worked with, car insurance in Oak Harbor costs an average of $72 per month for state-minimum coverage and $203 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the minimum car insurance in Oak Harbor, Rhode Island?
The state-minimum car insurance in Oak Harbor, Rhode Island is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.
What is the best car insurance in Oak Harbor?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Liberty Mutual,
Progressive
, and Nationwide
receive good ratings from Oak Harbor drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
15 Years Working in Insurance
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.
Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.