Best Car Insurance for Oldsmobile 2022
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Car Insurance for Oldsmobile
On average, Oldsmobile drivers pay $1,255 each year for car insurance. But depending on the model you have, your insurance rates could vary. A 88 Royale costs ${topModelandThirdModelDifference} more per year to insure than a Silhouette.
One of America’s oldest car lines, Oldsmobile debuted as a company in 1897 under the General Motors umbrella. Oldsmobiles are generally considered hardy vehicles with good lifespans.
If you’re still holding on to your Oldsmobile or looking for one on the used car market, you’ll want to budget accordingly for a good car insurance policy.
Your insurance will be based on the model you choose, along with factors unique to you.
Fortunately, the car insurance super app Jerry can help you find the best prices for the coverage you need. In just 45 seconds, Jerry will find you quotes from over 50 top insurance companies, so you know you’re always getting the best price for the coverage you need.
Here are some real quotes from Jerry customers who saved money when insuring their Oldsmobile.
| Quote Date | Car | Location | Zip Code | Name | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|---|
| February 21, 2022 | Oldsmobile Alero Gl | Wood-River, IL | 62095 | Lettie S. | 42 | State Auto | $150/mo. | $63/mo. |
| March 26, 2021 | Oldsmobile 88 Royale | Lawrenceburg, KY | 40342 | Tillie J. | 48 | Bristol West | $102/mo. | $67/mo. |
| September 6, 2021 | Oldsmobile Alero Gl | Duluth, MN | 55807 | Gary T. | 43 | Safeco | $110/mo. | $72/mo. |
| September 20, 2021 | Oldsmobile Bravada | Great-Falls, MT | 59401 | Herbert L. | 31 | Progressive | $160/mo. | $83/mo. |
| November 3, 2021 | Oldsmobile Bravada | Philadelphia, PA | 19140 | Blanche G. | 29 | Clearcover | $238/mo. | $132/mo. |
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Insurance for Oldsmobile models
Even within a brand, the exact vehicle you choose will play a large role in determining your insurance rates.
Insurance for Oldsmobile based on age
Oldsmobile is no longer in production, so obtaining a brand-new one is out of the question. Still, the older (and more depreciated) your car is, the less it will typically cost to insure.
Once a car is five years old, it has lost up to 60% of its value, according to Edmunds.
If your vehicle is cheaper and associated with lower repair or replacement costs, it will be easier to insure.
According to Jerry’s internal data, the cheapest years for Oldsmobile are 1992 and 1995.
The most expensive years for Oldsmobile are 2003 and 1994.
| Year | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| 2004 | $1,803 | $644 | Compare Prices |
| 2003 | $3,182 | $1,221 | Compare Prices |
| 2002 | $2,127 | $886 | Compare Prices |
| 2001 | $1,871 | $678 | Compare Prices |
| 2000 | $1,924 | $727 | Compare Prices |
| 1999 | $1,967 | $825 | Compare Prices |
| 1998 | $1,466 | $340 | Compare Prices |
| 1997 | $2,021 | $633 | Compare Prices |
| 1996 | $1,276 | $263 | Compare Prices |
| 1995 | $1,625 | $698 | Compare Prices |
| 1994 | $2,952 | $1,339 | Compare Prices |
| 1993 | $2,083 | $938 | Compare Prices |
| 1992 | $1,044 | $313 | Compare Prices |
| 1990 | $1,968 | $709 | Compare Prices |
Key Takeaway Older Oldsmobiles typically cost less to repair or replace than newer ones and may not be leased or financed, so they tend to have lower insurance premiums.
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Insurance for Oldsmobile based on model
While Oldsmobile offered a range of vehicles during its heyday, Oldsmobiles still circulating today are typically budget vehicles.
From there, some models will be cheaper to insure than others. Typically, sedans or crossovers with lower purchase prices and higher safety ratings will be cheaper to insure than more expensive large SUVs and sporty coupes.
The Oldsmobile 88 is a long sedan whose cheap purchase price makes it cheaper than the Oldsmobile average to insure.
The Oldsmobile Aurora typically costs a little more than the Oldsmobile average to insure because it was designed as a luxury sedan with higher repair and replacement costs.
If you want to learn more about car insurance costs for some of the most popular Oldsmobile models, check out the links below.
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.
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Full coverage vs. minimum coverage for your Oldsmobile
Almost every state mandates that drivers purchase minimum amounts of liability insurance before they can hit the road. Liability insurance pays for damages you cause other cars and drivers.
Here are some typical coverages included in a state liability requirement:
| Coverage type | Protection offered |
|---|---|
| Bodily injury liability (per person and accident) | Pays for the costs associated with the injuries you’ve caused to others |
| Property damage liability (per accident) | Pays for the costs associated with the damage you cause to other people’s vehicles or property |
Some states also require uninsured or underinsured motorist protection to cover damages if you’re in an accident with an uninsured or underinsured driver.
Your state may also require personal injury protection (PIP) to pay for your medical expenses—especially if you live in a no-fault state.
While those are the minimum required policies, it’s always a good idea to carry more than your state’s minimum coverage if you can afford it.
Full coverage insurance policies will make sure you are protected in case of high medical costs or significant vehicle damage. Full coverage insurance typically includes:
| Coverage type | Protection offered |
|---|---|
| Collision coverage | Covers the costs associated with collisions with another vehicle or object |
| Comprehensive coverage | Covers costs of damages from an event other than a collision, like a weather event, theft, or vandalism |
The average annual insurance premium for an Oldsmobile is $1,236 per year for minimum car insurance and $3,657 for full-coverage insurance. When you consider all makes and models, though, the average insurance premium in the US is $1,627 per year for minimum car insurance and $2,297 for full-coverage insurance.
Here’s what it costs to insure an Oldsmobile with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry | All Coverage After Jerry | Minimum Coverage Before Jerry | Minimum Coverage After Jerry | Full Coverage Before Jerry | Full Coverage After Jerry | |
|---|---|---|---|---|---|---|
| Oldsmobile | $1,850 | $1,254 | $2,135 | $1,195 | - | - |
| Oldsmobile | |
All Coverage Before Jerry | $1,850 |
All Coverage After Jerry | $1,254 |
Minimum Coverage Before Jerry | $2,135 |
Minimum Coverage After Jerry | $1,195 |
Full Coverage Before Jerry | - |
Full Coverage After Jerry | - |
Of course, if your car is a luxury brand, it will cost more to insure than an economy-class brand.
When compared to all brands across the market, Oldsmobiles have a low average insurance cost considering their age and price.
Compared to other economy brands, Oldsmobiles cost less to insure than Pontiacs and Saturns and about the same as Suzukis.
If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
Compare costs for other cars
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What impacts your insurance costs for Oldsmobile
While the car’s model, age, and type of insurance will determine some baseline insurance costs, providers will also consider your individual demographics and other variables when setting your rates.
The model of Oldsmobile you drive
As mentioned above, which Oldsmobile you pick can influence your insurance prices.
Furthermore, most models are offered with different trim levels—versions of the same model that include different features.
The fancier trim you choose, the higher your insurance premiums will usually be.
Still, keep in mind that if a higher-level trim enhances the safety of your vehicle, it may pay off to pay a little extra initially.
Your insurance company
With countless carriers out there, you may find that sticking with the insurance company you’ve always been with may be the easiest way to insure your Oldsmobile—but that isn’t always true.
The best way to know you’re not overpaying for your Oldsmobile coverage is to shop around for quotes from multiple carriers.
This is where Jerry comes in. Jerry makes it easy-breezy to compare quotes from dozens of top providers (Jerry works with over 50). Once you find a policy you like, just select it and Jerry will even help you do the paperwork to cancel your existing policy.
Here’s what Oldsmobile drivers paid for car insurance before and after switching with Jerry:
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| State Auto | $1,800 | $1,045 | Compare Prices |
| Allstate | $1,845 | $772 | Compare Prices |
| Safeco | $1,824 | $760 | Compare Prices |
| Progressive | $1,993 | $685 | Compare Prices |
| Dairyland | $1,952 | $667 | Compare Prices |
| Kemper | $1,680 | $568 | Compare Prices |
| National General | $1,675 | $495 | Compare Prices |
| Travelers | $1,644 | $126 | Compare Prices |
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Your age
Your age is one of the primary factors insurers use when setting your insurance premiums.
If you’re a younger driver (especially under 25), you can expect to pay the highest insurance premiums because insurers consider you high-risk due to lack of experience.
Your driving record
Another major factor used in determining your car insurance premiums is your driving record.
While a single speeding ticket may feel like nothing to sweat, avoid incurring multiple violations or even one major offense like a DUI in order to avoid paying sky-high premiums.
Here are some common insurance premiums for Oldsmobile drivers with previous infractions:
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Where you live
Your location is another main determinant of your car insurance premiums for an Oldsmobile.
If you live in an area with higher crime rates and higher traffic, you can expect to pay more than average for your insurance than slower or safer neighboring areas.
Additionally, your area’s susceptibility to severe weather can impact your Oldsmobile’s insurance rates.
In locations where tropical storms, tornadoes, or earthquakes can cause massive amounts of property damage, insurers will charge more in anticipation of high claims payouts.
According to our data, there is a high percentage of Oldsmobile drivers in cities including Denham-Springs (LA), Grundy (VA), Phoenix (AZ), Madison (WI) and Hardeeville (SC).
The cheapest car insurance for Oldsmobile for Jerry users is in Payson (AZ) and Kannapolis (NC).
The most expensive car insurance for Oldsmobile for Jerry users is in Phoenix (AZ) and Wylie (TX).
| City | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Calhoun | $2,100 | $1,215 | Compare Prices |
| Decatur | $3,700 | $1,581 | Compare Prices |
| Denham-Springs | $2,052 | $651 | Compare Prices |
| Franklin | $3,600 | $2,603 | Compare Prices |
| Great-Falls | $1,920 | $922 | Compare Prices |
| Hardeeville | $1,671 | $735 | Compare Prices |
| Madison | $2,064 | $597 | Compare Prices |
| Philadelphia | $1,886 | $504 | Compare Prices |
| Portsmouth | $1,080 | $319 | Compare Prices |
| Toledo | $1,164 | $257 | Compare Prices |
Regardless of where you live, your demographics, or the model of Oldsmobile you drive, you can find the best rates on car insurance by shopping with Jerry.
Jerry is the easiest way to find the best car insurance savings. The average Jerry user saves $879 a year on car insurance payments!
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