Buy Cheap Shawnee, OK Auto Insurance in 2024
Shawnee, OK auto insurance rates average $353 a month. Minimum auto insurance requirements in Shawnee, Oklahoma are 25/50/25 to comply with Oklahoma laws. To buy cheap auto insurance in Shawnee, OK, compare Shawnee auto insurance quotes from top companies.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Shawnee, OK for teens drivers are $8,440/year
- Average auto insurance rates in Shawnee, OK after a DUI are $4,800/year
- Average auto insurance rates in Shawnee, OK are $353/month
Finding affordable Shawnee, Oklahoma auto insurance can be challenging, but everything you need to know to buy cheap Shawnee, OK auto insurance with confidence is right here. Auto insurance rates in Shawnee are affected by local factors as well as personal ones like your driving record.
See how Shawnee, OK car insurance rates compare to Enid auto insurance rates, Stillwater auto insurance rates, and Tulsa auto insurance rates before you read more about the cost of auto insurance in Shawnee.
Don’t buy Shawnee, OK auto insurance until you’ve compared rates. Get free Shawnee, Oklahoma auto insurance quotes when you enter your ZIP code above.
Shawnee, OK Minimum Auto Insurance Requirements
The required auto insurance in Shawnee, OK is 25/50/25 according to the auto insurance laws in Oklahoma. The minimum auto insurance in Shawnee, Oklahoma is outlined here.
Minimum Required Auto Insurance Coverage in Shawnee, Oklahoma
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap Shawnee, OK Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Shawnee, OK. Take a look at Shawnee, Oklahoma auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Shawnee, Oklahoma
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,569 | $3,448 | $3,040 |
| Farmers | $5,041 | $4,158 | $3,954 |
| Geico | $4,657 | $3,862 | $3,067 |
| Liberty Mutual | $9,677 | $5,922 | $4,644 |
| Progressive | $5,576 | $4,757 | $4,426 |
| State Farm | $4,080 | $2,611 | $2,101 |
| USAA | $4,661 | $2,678 | $2,142 |
Buy Cheap Shawnee, OK Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Shawnee, Oklahoma auto insurance rates? Find out how car insurance rates in Shawnee, OK are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Shawnee, Oklahoma
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,359 | $2,368 | $2,182 | $2,282 | $6,952 | $8,136 | $2,536 | $2,672 |
| Farmers | $2,528 | $2,508 | $2,271 | $2,402 | $9,641 | $9,876 | $2,862 | $2,987 |
| Geico | $2,502 | $2,755 | $2,707 | $3,077 | $7,481 | $7,986 | $2,187 | $2,203 |
| Liberty Mutual | $4,515 | $4,768 | $3,978 | $4,337 | $12,795 | $14,062 | $4,686 | $4,840 |
| Progressive | $2,705 | $2,563 | $2,229 | $2,364 | $10,867 | $12,167 | $3,159 | $3,301 |
| State Farm | $1,953 | $1,953 | $1,729 | $1,729 | $5,182 | $6,529 | $2,058 | $2,312 |
| USAA | $1,857 | $1,852 | $1,790 | $1,796 | $6,164 | $6,843 | $2,382 | $2,600 |
Buy Cheap Shawnee, OK Auto Insurance for Teen Drivers
Auto insurance for teenagers in Shawnee can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Shawnee, OK are listed here.
Annual Auto Insurance Rates for Teen Drivers in Shawnee, Oklahoma
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,952 | $8,136 |
| Farmers | $9,641 | $9,876 |
| Geico | $7,481 | $7,986 |
| Liberty Mutual | $12,795 | $14,062 |
| Progressive | $10,867 | $12,167 |
| State Farm | $5,182 | $6,529 |
| USAA | $6,164 | $6,843 |
Buy Cheap Shawnee, OK Auto Insurance for Seniors
You can save on senior auto insurance rates in Shawnee, Oklahoma by comparing Shawnee senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Shawnee, OK here.
Annual Auto Insurance Rates for Senior Drivers in Shawnee, Oklahoma
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,182 | $2,282 |
| Farmers | $2,271 | $2,402 |
| Geico | $2,707 | $3,077 |
| Liberty Mutual | $3,978 | $4,337 |
| Progressive | $2,229 | $2,364 |
| State Farm | $1,729 | $1,729 |
| USAA | $1,790 | $1,796 |
Find Cheap Auto Insurance Rates in Shawnee, OK by Coverage Level
The amount of coverage you choose is a big factor in the cost of Shawnee, Oklahoma auto insurance. Compare Shawnee, OK auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Shawnee, Oklahoma
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,436 | $3,668 | $3,953 |
| Farmers | $4,190 | $4,334 | $4,630 |
| Geico | $3,553 | $3,872 | $4,161 |
| Liberty Mutual | $6,378 | $6,722 | $7,143 |
| Progressive | $4,539 | $4,886 | $5,333 |
| State Farm | $2,738 | $2,910 | $3,144 |
| USAA | $3,024 | $3,151 | $3,307 |
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Find Cheap Shawnee, OK Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Shawnee. Compare auto insurance rates in Shawnee, OK by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Shawnee, Oklahoma
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,686 | $3,686 |
| Farmers | $4,384 | $4,384 |
| Geico | $3,790 | $3,934 |
| Liberty Mutual | $6,748 | $6,748 |
| Progressive | $4,919 | $4,919 |
| State Farm | $2,880 | $2,981 |
| USAA | $3,123 | $3,198 |
Find Cheap Shawnee, OK Auto Insurance Rates by Driving Record
Auto insurance rates in Shawnee, Oklahoma are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Shawnee, OK, take a look at the average cost for various violations versus rates for a clean driving record in Shawnee.
Annual Shawnee, Oklahoma Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,188 | $3,712 | $4,273 | $3,571 |
| Farmers | $3,702 | $4,755 | $4,640 | $4,440 |
| Geico | $2,797 | $4,311 | $4,828 | $3,513 |
| Liberty Mutual | $4,529 | $7,611 | $8,604 | $6,247 |
| Progressive | $3,828 | $7,127 | $4,228 | $4,494 |
| State Farm | $2,708 | $3,153 | $2,931 | $2,931 |
| USAA | $2,327 | $3,358 | $4,093 | $2,864 |
Find Cheap Shawnee, OK Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Shawnee, Oklahoma is higher than for a clean driving record. You can buy auto insurance after a DUI in Shawnee for less when you shop around and compare rates from multiple Shawnee, OK auto insurance companies.
Annual Auto Insurance Rates After a DUI in Shawnee, Oklahoma
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,273 |
| Farmers | $4,640 |
| Geico | $4,828 |
| Liberty Mutual | $8,604 |
| Progressive | $4,228 |
| State Farm | $2,931 |
| USAA | $4,093 |
Winners by Category: Where to Buy Cheap Auto Insurance in Shawnee, OK
Compare rates from the cheapest auto insurance companies in Shawnee, OK for your needs. Take a look at how Shawnee, Oklahoma auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Shawnee, Oklahoma
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Find Cheap Shawnee, Oklahoma Auto Insurance Companies
If you’re looking for the cheapest Shawnee, OK auto insurance companies overall, you can compare them here. Find the best price for Shawnee, Oklahoma car insurance by company.
Average Annual Auto Insurance Rates by Company in Shawnee, Oklahoma
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,686 |
| Farmers | $4,384 |
| Geico | $3,862 |
| Liberty Mutual | $6,748 |
| Progressive | $4,919 |
| State Farm | $2,931 |
| USAA | $3,161 |
Read more: Cheapest Car Insurance in Oklahoma
What affects Shawnee, Oklahoma auto insurance rates?
Local factors affect auto insurance rates in Shawnee, OK, including traffic, theft statistics, and commute length. Take a look at the things that impact Shawnee auto insurance rates.
Commute Times in Shawnee
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Shawnee, OK is 20.4 minutes according to City-Data.
Compare Auto Insurance Quotes in Shawnee, OK
You can buy cheap Shawnee, OK auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Shawnee, Oklahoma auto insurance quotes from top companies.
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Frequently Asked Questions
What factors can affect the cost of auto insurance in Shawnee, OK?
Several factors can influence the cost of auto insurance in Shawnee, OK. These factors include your driving record, age, gender, marital status, type of vehicle, coverage limits, deductible amount, and even your credit score. Additionally, the area where you live, such as Shawnee, OK, can also impact insurance rates due to factors like local crime rates, traffic congestion, and accident statistics.
How can I find cheap auto insurance in Shawnee, OK?
To find cheap auto insurance in Shawnee, OK, you can consider the following tips:
- Shop around and compare quotes from multiple insurance companies to find the best rate.
- Maintain a clean driving record and avoid accidents or traffic violations.
- Opt for higher deductibles, but ensure you can afford to pay them if needed.
- Take advantage of discounts offered by insurance companies, such as safe driver discounts, good student discounts, or discounts for bundling multiple policies.
- Consider installing safety features in your vehicle, such as anti-theft devices or airbags, which may lead to lower premiums.
- Review your coverage needs and adjust them accordingly to avoid overpaying for unnecessary coverage.
Are there any specific auto insurance requirements in Shawnee, OK?
Yes, Shawnee, OK follows the auto insurance requirements set by the state of Oklahoma. The minimum required coverage includes liability insurance with the following limits:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage per accident
Can I legally drive without auto insurance in Shawnee, OK?
No, it is illegal to drive without auto insurance in Shawnee, OK, as it is in most states. Oklahoma requires all drivers to carry at least the minimum required liability insurance coverage. Failing to maintain proper insurance can result in penalties, fines, license suspension, and potential legal consequences.
How does my credit score affect my auto insurance rates in Shawnee, OK?
In Shawnee, OK, and many other states, insurance companies may consider your credit score when determining your auto insurance rates. A higher credit score is generally associated with a lower risk profile, which can result in lower premiums. Maintaining good credit habits, such as paying bills on time and reducing debt, may positively impact your auto insurance rates.
Can my premium increase after filing a claim in Shawnee, OK?
Filing a claim can potentially lead to an increase in your auto insurance premium in Shawnee, OK. When you file a claim, the insurance company may consider you a higher risk and adjust your rates accordingly. However, the specific impact on your premium will depend on various factors, including the nature and severity of the claim, your overall claims history, and the insurance company’s policies.
How often should I review my auto insurance policy in Shawnee, OK?
It is generally recommended to review your auto insurance policy in Shawnee, OK annually or whenever you experience significant life changes. Life events such as moving, buying a new car, getting married, or changes in your driving habits can impact your insurance needs. Reviewing your policy regularly allows you to ensure you have adequate coverage and explore opportunities to potentially save money.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.