Oak Harbor, WA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Oak Harbor, WA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Cheapest Car Insurance In Oak Harbor, WA

Car insurance is one of the most important things you need when you own a car. It protects you financially in case of an accident and is required by law in most states. If you're caught driving without car insurance, you could face serious penalties, including fines, the loss of your driver's license, and even jail time. The average auto insurance price in Oak Harbor, WA, is $1,222. Drivers in Oak Harbor, WA, must have auto insurance compliant with state law. In comparison to other places like Whidbey Island Station ($1,754), Swinomish Reservation ($1,241), Island County ($1,155), Central Whidbey Island ($1,259), and La Conner ($1,259), auto insurance in Oak Harbor, WA, is relatively not expensive. If you're looking for car insurance in Oak Harbor, WA, here are some suggestions for finding affordable and cheap auto insurance in Oak Harbor, WA.

1. By Obeying Driving Regulations

When it comes to car insurance, one of the best ways to keep your costs down is to obey all driving regulations. This includes obeying the speed limit, not driving under the influence of alcohol or drugs, and not driving recklessly. If you can avoid accidents and traffic violations, you will likely get a lower rate on your car insurance. Additionally, obeying driving regulations shows insurers that you are a responsible driver, which can also help to lower your rates. For example, fines for using a cell phone while driving or driving without headlights add an additional $280 and $54 to the auto insurance cost.

Refer to the graph below to understand the auto insurance rates based on the driving violation in Oak Harbor, WA.

2. By Opting for a Lower Deductible 

A deductible is an amount you pay out of your pocket when you claim your insurance policy. Most insurance companies offer a variety of deductibles, so you can choose the one that best fits your needs. If you're a safe driver with a clean driving record, opting for a higher deductible may help you get a lower premium. But a lower deductible may give you peace of mind if you're worried about making a claim. The higher the deductible, the lower the auto insurance rates in Oak Harbor, WA. Those who choose a low deductible of $500 in Oak Harbor pay $1,708, while those who prefer a high deductible of $1,000 pay $1,442. No matter which deductible you choose, remember to keep enough money aside to cover it if you have to make a claim.

3. By Availing of Multi-Car Discounts

Most people don't realize they can get a significant discount on their car insurance by insuring more than one car with the same company. This is usually called a multi-car discount, and it can save you a lot of money on car insurance. In Oak Harbor, Washington, car owners typically pay $2,151 for two cars and $3,226 for three vehicles. On average, they can save between $293 and $440 on vehicle insurance in Oak Harbor, Washington.

Factors that can influence the cost of car insurance in Oak Harbor, WA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

---

Oak Harbor, WA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Oak Harbor, WA with that of other cities in and around Oak Harbor.

	Oak Harbor	Whidbey Island Station	Swinomish Reservation	Island County	Central Whidbey Island	La Conner
Average Insurance Rates	$1,222	$1,754	$1,241	$1,155	$1,259	$1,259

---

Oak Harbor, WA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Oak Harbor, WA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Oak Harbor	$1,708	$1,442
North Whidbey Island	$1,559	$1,317
Whidbey Island Station	$1,807	$1,526
Coupeville	$2,308	$1,950
Swinomish Reservation	$1,370	$1,157
Central Whidbey Island	$1,005	$849
Island County	$2,001	$1,690
La Conner	$1,902	$1,607

---

Oak Harbor, WA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Oak Harbor, WA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$3,965
20 Years	$1,570
30 Years	$1,209
40 Years	$1,164
50 Years	$1,078
60 Years	$1,093
70 Years	$1,272

---

Oak Harbor, WA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Oak Harbor, WA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$2,151	$293
3 Vehicles	$3,226	$440
4 Vehicles	$4,301	$587

---

Oak Harbor, WA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Oak Harbor, WA.

Location	Average Insurance Cost	Post DUI Insurance Rate
Oak Harbor	$1,222	$1,961
North Whidbey Island	$1,354	$2,173
Whidbey Island Station	$1,754	$2,815
Coupeville	$1,252	$2,010
Swinomish Reservation	$1,241	$1,992
Central Whidbey Island	$1,259	$2,021
Island County	$1,155	$1,854
La Conner	$1,259	$2,021

---

Oak Harbor, WA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$1,048
Excellent (740-799)	$1,197
Good (670-739)	$1,273
Average (580-669)	$1,661
Poor (300-579)	$1,993

---

Oak Harbor, WA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name	Company	Agent Address	Contact Details
Richard Voit	Farmers	390 NE Midway Blvd Ste A102, Oak Harbor, 98277	(360) 675-1598
Karmin Landry	State Farm	31775 State Route 20 Ste B3, Oak Harbor, 98277-5105	360-675-4345
Trc Insurance	Liberty Mutual Independent	12015 115TH AVE NE STE 240, KIRKLAND, 98034	(877) 637-1858
Aaa Insurance Agency	Travelers	1523 15Th Ave W, Seattle, 98119	None
Aaa Insurance Agency	Travelers	1523 15Th Ave W, Seattle, 98119	None
English Insurance Group Llc	Liberty Mutual Independent	5005 200TH ST SW STE 200-B, LYNNWOOD, 98036	(425) 673-7948
Doug Hamilton	State Farm	22833 Bothl Evrt Hwy Ste 215, Bothell, 98021-9369	425-483-9522
Peak Insurance Llc	Liberty Mutual Independent	8702 21ST AVE NW STE 205, SEATTLE, 98117	(206) 327-9489

---

Oak Harbor, WA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$54	$1,276
Driver's Failure In Showing Documents	+$119	$1,341
Driving With An Expired Registration	+$126	$1,348
Driving At A Considerably Slow Pace	+$265	$1,487
Using A Cellphone While Driving	+$280	$1,502
Running A Red Light	+$285	$1,507
Speeding	+$299	$1,521
Driving A Vehicle Without The Required Permission	+$380	$1,602
Driving With An Expired/Suspended License	+$824	$2,046

Oak Harbor, WA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,173
Active Disabling Device	$1,173
Tracking Device	$1,149
Passive Disabling Device	$1,136

---

Latest Auto Insurance Reviews in Oak Harbor, WA | Back to Top