Oak Creek drivers pay an average of $1,474/year — $297 less than the national average. With 452 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $274/year.
(888) 217-6781Estimated full coverage auto insurance rates for Oak Creek, WI from top carriers. Rates are adjusted for Oak Creek's 452 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $560 | $93/mo |
| Rural Mutual | $588 | $98/mo |
| Progressive | $627 | $104/mo |
| American Family | $661 | $110/mo |
| State Farm | $688 | $115/mo |
Estimates based on 2026 rate filings for ZIP 53172. GEICO is cheapest at ~$93/mo. Actual rates vary by driver profile and exact Oak Creek location.
These Oak Creek-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Oak Creek, WI. Takes under 2 minutes.
(888) 217-6781Oak Creek is a smaller city in Wisconsin with a population of 36,497. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as blizzards, severe thunderstorms, tornadoes, ice, lake-effect snow, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Oak Creek.
For official Wisconsin insurance regulations, visit the Wisconsin OCI. For driver licensing, see the Wisconsin DMV.
Your specific ZIP code within Oak Creek can swing your premium by hundreds of dollars. Here's how rates compare across Oak Creek neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 53178 | Oak Creek South Side | $1,387/yr | $116/mo |
| 53176 | Oak Creek North Side | $1,409/yr | $117/mo |
| 53176 | Oak Creek West Side | $1,471/yr | $123/mo |
| 53178 | Oak Creek East Side | $1,484/yr | $124/mo |
| 53172 | Oak Creek Downtown/Central | $1,578/yr | $132/mo |
The cheapest ZIP is 53178 (Oak Creek South Side) at $1,387/yr. The most expensive is 53172 (Oak Creek Downtown/Central) at $1,578/yr — a $191/year difference for the same driver.
Your Oak Creek ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Oak Creek. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,095/yr | $258/mo | +110% vs avg |
| Young Adult (20-25) | $2,064/yr | $172/mo | +40% vs avg |
| Adult (26-35) | $1,474/yr | $123/mo | 0% vs avg |
| Mid-Career (36-50) | $1,297/yr | $108/mo | -12% vs avg |
| Senior (51-65) | $1,223/yr | $102/mo | -17% vs avg |
| 65+ | $1,312/yr | $109/mo | -11% vs avg |
Teens in Oak Creek pay an average of $3,095/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,223/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Wisconsin cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Oak Creek drivers can save up to $274/year. ZIP 53178 (Oak Creek South Side) has the lowest rates starting at $1,387/yr.
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