Best Car Insurance in Oakland, TN

Compare the top car insurance companies serving Oakland. Find the best rates, coverage, and customer satisfaction scores side by side.
Data last updated: May 2026 · Sources: NAIC, J.D. Power, AM Best

Compare Rates From Top Oakland Insurers

Car Insurance — Company Comparison

InsurerNAIC Complaint IndexJ.D. Power Score AM Best RatingEst. MonthlyBest For
SF
State Farm
Largest U.S. insurer
0.77
710 / 1,000 A++ $173 Local agent support, bundling discounts
GE
GEICO
Berkshire Hathaway
0.93
685 / 1,000 A++ $154 Lowest rates, military discounts, online convenience
PR
Progressive
2nd largest U.S. insurer
1.23
665 / 1,000 A+ $193 Most coverage options, Name Your Price tool
AL
Allstate
Est. 1931
0.77
690 / 1,000 A+ $209 Pay-per-mile, Drivewise app, new car replacement
LM
Liberty Mutual
Fortune 100
1.08
670 / 1,000 A $197 Accident forgiveness, new car replacement
FM
Farmers
Zurich Group
0.89
695 / 1,000 A $201 Bundling discounts, Signal app savings
US
USAA
Military families only
0.42
890 / 1,000 A++ $143 Best overall satisfaction (military/veterans only)
NW
Nationwide
On Your Side
0.68
700 / 1,000 A+ $177 Vanishing deductible, pet coverage, SmartRide
$188
Avg. Monthly Premium (TN)
25/50/15
TN Minimum Liability
#24 Most Expensive
Cost Ranking
16.8%
Uninsured Drivers (TN)

Tennessee Car Insurance Requirements

Tennessee law requires drivers to carry minimum liability insurance. Here are the current state minimums — most experts recommend higher limits:

Bodily Injury / Person
$25,000
Minimum per person for injuries you cause
Bodily Injury / Accident
$50,000
Total per accident for all injuries
Property Damage
$15,000
Per accident for property you damage

Car Insurance Tips for Oakland

For drivers in Oakland, Tennessee, understanding car insurance requires a close look at the unique blend of small-town living and regional risk factors. With a population of just under 10,000, Oakland is a growing community in Fayette County, situated along the bustling U.S. Highway 64 corridor. This proximity to a major artery means many residents commute to nearby cities like Memphis for work, resulting in daily traffic patterns that mix local farm vehicles, semi-trucks, and suburban commuters. While Oakland itself does not suffer from the gridlock of a major metropolis, the two-lane roads and rural intersections can present hazards, especially during peak travel hours. The Tennessee state minimum liability coverage is set at 25/50/15, meaning $25,000 for bodily injury per person, $50,000 per accident, and $15,000 for property damage. However, given the potential for serious collisions on higher-speed highways, this minimum may leave drivers dangerously underinsured.

Weather and climate risks significantly shape insurance costs in West Tennessee. Oakland lies in a region prone to severe thunderstorms, tornadoes, and flash flooding, particularly in the spring and fall. Hailstorms can cause extensive damage to vehicles, while winter ice storms occasionally make roads treacherous, leading to higher claim rates for comprehensive coverage. Additionally, Tennessee’s proximity to the Gulf of Mexico means remnants of hurricanes can sweep through, bringing heavy rain and wind. For Oakland drivers, comprehensive coverage is not just a luxury — it is a practical necessity to protect against falling tree limbs, flood damage, and hail-related dents.

Local crime rates and the uninsured driver problem also demand attention. Oakland has a relatively low population density, which helps reduce theft rates compared to urban Memphis, but no community is immune. Vehicle break-ins can occur in poorly lit parking areas or near retail centers along the highway. More critically, Tennessee has an uninsured driver rate of 16.8%, meaning nearly one in six drivers on the road lacks liability insurance. If you are hit by an uninsured motorist, your own policy’s uninsured motorist coverage becomes essential to cover medical bills and repairs. The average annual premium in Tennessee is around $2,260, but Oakland drivers should expect variations based on their driving record, vehicle type, and chosen coverage limits. For peace of mind, consider carrying higher liability limits than the state minimum and adding comprehensive and uninsured motorist coverage to guard against the specific local hazards of Fayette County.

Frequently Asked Questions

Does Oakland, Tennessee’s population size of roughly 9,979 affect my car insurance rates compared to larger cities like Memphis?
Yes, living in a smaller town like Oakland generally leads to lower insurance premiums than in densely populated urban areas, due to fewer accidents and lower theft rates. However, your specific rate still depends on your driving record, vehicle type, and coverage choices, not just the town’s population.
Since Tennessee’s state minimum liability is 25/50/15, is that enough coverage for accidents on Oakland’s rural highways like Highway 64?
The 25/50/15 minimum ($25,000 per person, $50,000 per accident for bodily injury, $15,000 for property damage) may be insufficient if you cause a serious accident on Highway 64, where medical costs and vehicle damage can easily exceed those limits. Many Oakland drivers opt for higher liability limits to protect their assets, especially given the area’s mix of farm vehicles and high-speed traffic.
With Tennessee’s average annual premium around $2,260, are there any local factors in Oakland that could help me lower my rate?
Oakland’s low crime rate and limited traffic congestion can qualify you for discounts on comprehensive and collision coverage. Additionally, bundling your car insurance with a homeowners or renters policy from a local agent in Fayette County may reduce your premium further.
Data Sources: NAIC Complaint Index from the National Association of Insurance Commissioners Consumer Information Source (content.naic.org). Customer satisfaction scores from J.D. Power 2025 U.S. Auto Insurance Study. Financial strength ratings from AM Best. Average premium data from the NAIC Auto Insurance Database Report and the Tennessee Department of Insurance. All data is publicly available. This page does not constitute insurance advice. Data last verified May 2026.
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