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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
By R.E. Fulton
Updated on Sep 28, 2022
Reviewed by Kathleen Flear, Director of Content.
The average cost of Oldsmobile car insurance is $1,659 per year. But depending on your driving record, location, insurance company, and the model of Oldsmobile you drive, the cost of your insurance can vary.
Several factors influence the cost of insurance, meaning no insurance company singularly offers the best rates for Oldsmobile drivers. For example, someone with a 1997 Cutlass Supreme will pay a very different premium than someone with a 2004 Bravada. Having tickets, accidents, or other violations on your record, also impacts your Oldsmobile insurance rate. Fortunately, the Jerry app has an easy way to find cheap car insurance rates.
Jerry is a licensed insurance broker that gathers and compares quotes from top insurance companies to find the best rates for you and the type of Oldsmobile you have. To give you a bit more information on Oldsmobile insurance costs, we’ll go over the factors that influence the cost of your insurance and how to find the lowest car insurance cost.
How much does Oldsmobile car insurance cost?
The average annual cost of car insurance coverage for an Oldsmobile vehicle is $1,659. That said, insurance premiums for Oldsmobile drivers will vary based on their model, trim level, driving history, coverage levels, insurance company, and where they live.
If you’re looking for Oldsmobile insurance, expect to pay higher rates, as:
- Oldsmobiles are no longer in production. Finding replacement parts may be difficult, making them more expensive to repair
- Based on their age, some models of Oldsmobile are considered classic cars, meaning they’ll require special insurance if you need more than the minimum insurance requirement
- Oldsmobile models mostly have average to poor safety ratings. Based on their age, none have advanced safety features that insurers provide discounts for
Even with higher than average rates, it doesn’t mean you’ll always pay more for coverage. If you have a 2003 Aurora, which received good safety ratings from the IIHS, and only need your state’s minimum insurance coverage, you’ll likely pay less than a 1970 4-4-2, which is a classic car.
But regardless of the type of Oldsmobile you own, there is an easy way to find cheaper car insurance by shopping around. By comparing quotes from different car insurance companies, you can find the most affordable rate for the coverage you need. That’s where Jerry comes in. The Jerry app finds competitive quotes from over 55 insurance companies in under a minute. Swapping is just as effortless. Jerry takes care of all the paperwork and phone calls, so you get the best deals without any hassles.
Want to see the kind of Oldsmobile insurance rates you could get from Jerry? Take a look at the table below—and hear from real Jerry customers!
| Quote Date | Car | Location | Zip Code | Name | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|---|
| September 16, 2022 | Oldsmobile Bravada | Jackson, TN | 38305 | Nettie B. | 40 | Progressive | $83/mo. | $73/mo. |
| October 2, 2022 | Oldsmobile Alero GLS | New Kent, VA | 23124 | Viola F. | 21 | Gainsco | $111/mo. | $92/mo. |
| September 19, 2022 | Oldsmobile 88 Royale | Longview, TX | 75604 | Jeremiah J. | 27 | Commonwealth Insurance | $232/mo. | $106/mo. |
| October 2, 2022 | Oldsmobile Alero Gl | Muskegon, MI | 49445 | Francisco K. | 19 | Progressive | $126/mo. | $118/mo. |
| September 24, 2022 | Oldsmobile Alero Gl | Lyon Charter Township, MI | 48165 | Ruth S. | 50 | Progressive | $166/mo. | $124/mo. |
How much insurance do you need for an Oldsmobile?
If you’re wondering how much insurance you’ll need for your Oldsmobile, you’ll need to consider how old your car is and where you reside.
Almost every state requires drivers to purchase the minimum required car insurance to legally drive on the road. In most cases, minimum coverage includes liability car insurance, which is bodily injury liability and property damage liability. Liability car insurance covers damages or injuries you cause to others when you’re at fault in an accident.
That said, depending on where you live, your state may require additional coverage to meet their minimum insurance requirements. This can include:
- Uninsured/underinsured motorist coverage: If you’re in an accident with a driver who is uninsured or who doesn’t have enough coverage, this will cover your damages or injuries
- Personal injury protection (PIP): You’ll have to have this coverage in no-fault states, as it covers injuries you or your passengers may suffer after an accident. It also covers lost wages and rehabilitation costs
- Medical payments (MedPay) coverage: Should you or your passengers be injured in an accident, hit by a car as a pedestrian, or injured while riding in someone else’s vehicle, this can cover medical expenses
Although having your state’s minimum insurance requirements is all you need to drive legally, it doesn’t mean it’s sufficient for your Oldsmobile. If you have a classic car or a car that’s worth more than its actual cash value, you’ll likely need a policy that includes full-coverage car insurance or collision and comprehensive coverage.
Collision and comprehensive coverage cover your Oldsmobile from damages, even if you’re at fault. Collision coverage is for damages that involve colliding with an object, such as hitting a pole when backing out of a parking space. Comprehensive coverage is for damages that are weather related, along with theft, vandalism, or colliding with an animal. With these coverages, you won’t need to pay out of pocket for damages beyond your deductible. Even if you’re financing a used vehicle, lenders will often require full-coverage on a financed car.
Oldsmobile car insurance rates by model
If you’re looking for Oldsmobile car insurance rates, the type and model of Oldsmobile you drive is a large part of the cost. Generally, older or less expensive models cost less to insure unless you own a collector or classic car.
Let’s look at the average annual premiums for some of the most popular Oldsmobile models to see how the model you own could affect your car insurance rates.
How much does Oldsmobile Alero insurance cost?
The last vehicle Oldsmobile ever produced and built, the Oldsmobile Alero is a midsize car created to replace the Cutlass and Achieva models. Compared to other Oldsmobile models, the cost to insure an Alero is typically less expensive.
The table below shows how average premiums for Alero drivers vary based on coverage options and the age of the vehicle.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2003 Oldsmobile Alero Gl | $3,657 | $2,032 |
For more information, check out our in-depth guide to Oldsmobile Alero insurance costs!
How much does Oldsmobile Intrigue insurance cost?
A midsize sedan, the Oldsmobile Intrigue was produced from 1998 to 2002. It received good reviews and average to good safety ratings from the IIHS (Insurance Institute for Highway Safety). Based on its age and that it’s a fairly basic sedan, the Intrigue is one of the less expensive models to insure.
Check out the table below, which compares full and minimum coverage rates for different Intrigue model years.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2003 Oldsmobile Intrigue Gl | $3,657 | $2,032 |
For more information, check out our in-depth guide to Oldsmobile Intrigue insurance costs!
How much does Oldsmobile Cutlass insurance cost?
The Oldsmobile Cutlass was produced intermittently from 1961 to 1999. Earlier models are often considered collector cars, which can increase the cost of insurance as you’ll need additional classic car coverage. If you’re looking to insure a later model that isn’t considered a classic, you’ll likely see a lower insurance cost.
Here’s the breakdown of average annual premiums for Cutlass owners.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2003 Oldsmobile Cutlass Ciera S | $3,657 | $2,032 |
For more information, check out our in-depth guide to Oldsmobile Cutlass insurance costs!
How much does Oldsmobile Bravada insurance cost?
The only SUV created by Oldsmobile, the Bravada was inspired by the Chevrolet Blazer and GMC Jimmy. It receives good reviews but is poor to decent in terms of safety ratings. The last model was produced in 2004, meaning it lacks the modern safety features you see today in SUVs. Compared to other Oldsmobile models, the Bravada’s insurance costs are higher.
Remember, you might pay more to insure your Bravada based on your age, driving record, or coverage selections.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2003 Oldsmobile Bravada | $3,657 | $2,032 |
For more information, check out our in-depth guide to Oldsmobile Bravada insurance costs!
How much does Oldsmobile Silhouette insurance cost?
The Silhouette was created by GM to compete with Chrysler minivans and is the only minivan GM produced. It was marketed as a luxury minivan to draw on a broader audience. Like most Oldsmobile’s models, the last production year for the Silhouette was in 2004. However, its poor safety ratings and lack of features make it a riskier vehicle to drive, increasing the cost to insure it.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2003 Oldsmobile Silhouette | $3,657 | $2,032 |
For more information, check out our in-depth guide to Oldsmobile Silhouette insurance costs!
Compare Oldsmobile car insurance quotes
With the rise of technology and the internet, most people choose to shop online. The same goes for car insurance quotes. But while you no longer have to call around to insurance companies, you still have to fill out online forms to determine how much you’ll pay for car insurance. And this can be just as time-consuming, but no if you use the Jerry app!
Jerry is a licensed broker that gathers and compares car insurance quotes from over 55 top insurance companies. In less than a minute, you can sign up, and Jerry does all the work for you without any paperwork or phone calls.
Best car insurance companies for your Oldsmobile
If you’re looking for Oldsmobile insurance, Nationwide, Safeco, and Allstate all offer affordable rates. However, since insurance is tailored to your personal details and vehicle, it doesn’t mean you’ll find the best rate for you with these companies.
Every insurance company rates policies differently. While one company might not care that you have a ticket on your record, another may charge you significantly more. Additionally, depending on the age of your vehicle, some companies may not offer every coverage for your Oldsmobile. While this will reduce your rate, you may not feel adequately protected if you’re in an accident.
The only way to find affordable insurance that meets your needs is to review quotes with multiple companies. For an easy way to compare costs and policies, use the Jerry app. In less than 45 seconds, Jerry collects all of your information from your existing insurer. Then, choose from competitive quotes from top insurance companies, and Jerry takes care of the rest—securing your new policy and helping you cancel your old one upon request.
See how different providers quote for Oldsmobile vehicles in the table below—and how much you could save with Jerry!
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Clearcover | $2,384 | $933 | Compare Prices |
| Safeco | $1,960 | $926 | Compare Prices |
| Allstate | $1,845 | $772 | Compare Prices |
| Kemper | $1,781 | $730 | Compare Prices |
| Dairyland | $1,969 | $674 | Compare Prices |
| Progressive | $1,949 | $653 | Compare Prices |
| National General | $1,678 | $467 | Compare Prices |
| State Auto | $1,464 | $398 | Compare Prices |
| Nationwide | $1,332 | $376 | Compare Prices |
| Travelers | $1,644 | $126 | Compare Prices |
Oldsmobile auto insurance cost by driving record
Apart from the Oldsmobile model you drive, your driving record also influences the cost of your insurance.
A driver with no accidents or violations on their record will typically pay less for car insurance, as insurance companies consider them low risk. They consider it unlikely that they’ll have to pay out major claims for a safe driver versus a driver with an accident or tickets on their record. Depending on the insurance company, even one violation or accident can increase the cost of your insurance.
Oldsmobile owners with a DUI conviction can expect to pay $1,659 more per year for car insurance, while a simple speeding ticket can add an average of $1,246 to your annual premium!
Use the table below to estimate how much you could save on Oldsmobile insurance by cleaning up your driving record!
Oldsmobile car insurance cost by location
The final factor that typically influences the cost of insurance is where you’re located. Every state rates insurance policies differently and has different coverage levels, so an Oldsmobile driver in Florida will likely pay a different rate than an Oldsmobile driver in New York.
Want to see how your rates stack up against your state’s average? Take a look at the table below.
| City | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Calhoun | $2,100 | $1,215 | Compare Prices |
| Chesapeake | $2,510 | $1,047 | Compare Prices |
| Denham Springs | $2,052 | $651 | Compare Prices |
| Franklin | $3,600 | $2,603 | Compare Prices |
| Hardeeville | $1,671 | $735 | Compare Prices |
| Madison | $2,064 | $597 | Compare Prices |
| Marshall | $1,656 | $393 | Compare Prices |
| Philadelphia | $2,031 | $610 | Compare Prices |
| Raleigh | $2,880 | $2,017 | Compare Prices |
| Toledo | $1,164 | $213 | Compare Prices |
