Buy Cheap Stillwater, OK Auto Insurance in 2024
Stillwater, OK auto insurance rates average $334 a month. Minimum auto insurance requirements in Stillwater, Oklahoma are 25/50/25 to comply with Oklahoma laws. To buy cheap auto insurance in Stillwater, OK, compare Stillwater auto insurance quotes from top companies.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Dec 2, 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: Dec 2, 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 Stillwater, OK are $334/month
- The most expensive auto insurance company in Stillwater is Liberty Mutual
- The most expensive auto insurance company in Stillwater after a DUI is Liberty Mutual
Finding affordable Stillwater, Oklahoma auto insurance can be challenging, but everything you need to know to buy cheap Stillwater, OK auto insurance with confidence is right here. Auto insurance rates in Stillwater are affected by local factors as well as personal ones like your driving record.
See how Stillwater, OK car insurance rates compare to Enid auto insurance rates, Norman auto insurance rates, and Oklahoma City auto insurance rates before you read more about the cost of auto insurance in Stillwater.
Don’t buy Stillwater, OK auto insurance until you’ve compared rates. Get free Stillwater, Oklahoma auto insurance quotes when you enter your ZIP code above.
Stillwater, OK Minimum Auto Insurance Requirements
The required auto insurance in Stillwater, OK is 25/50/25 according to the auto insurance laws in Oklahoma. The minimum auto insurance in Stillwater, Oklahoma is outlined here.
Minimum Required Auto Insurance Coverage in Stillwater, 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 Stillwater, OK Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Stillwater, OK. Take a look at Stillwater, Oklahoma auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Stillwater, Oklahoma
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,322 | $3,279 | $2,895 |
| Farmers | $4,335 | $3,580 | $3,404 |
| Geico | $4,213 | $3,496 | $2,779 |
| Liberty Mutual | $9,800 | $5,995 | $4,698 |
| Progressive | $5,252 | $4,471 | $4,158 |
| State Farm | $3,884 | $2,488 | $2,003 |
| USAA | $4,449 | $2,547 | $2,035 |
Buy Cheap Stillwater, OK Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Stillwater, Oklahoma auto insurance rates? Find out how car insurance rates in Stillwater, OK are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Stillwater, 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 | $2,191 | $2,201 | $2,018 | $2,121 | $6,725 | $7,878 | $2,366 | $2,491 |
| Farmers | $2,161 | $2,146 | $1,940 | $2,050 | $8,326 | $8,546 | $2,453 | $2,566 |
| Geico | $2,275 | $2,494 | $2,430 | $2,749 | $6,766 | $7,229 | $2,000 | $2,024 |
| Liberty Mutual | $4,569 | $4,822 | $4,026 | $4,383 | $12,961 | $14,231 | $4,748 | $4,909 |
| Progressive | $2,558 | $2,432 | $2,109 | $2,229 | $10,166 | $11,394 | $2,993 | $3,135 |
| State Farm | $1,868 | $1,868 | $1,654 | $1,654 | $4,917 | $6,198 | $1,968 | $2,207 |
| USAA | $1,788 | $1,788 | $1,721 | $1,737 | $5,779 | $6,450 | $2,299 | $2,520 |
Buy Cheap Stillwater, OK Auto Insurance for Teen Drivers
Auto insurance for teenagers in Stillwater can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Stillwater, OK are listed here.
Annual Auto Insurance Rates for Teen Drivers in Stillwater, Oklahoma
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,725 | $7,878 |
| Farmers | $8,326 | $8,546 |
| Geico | $6,766 | $7,229 |
| Liberty Mutual | $12,961 | $14,231 |
| Progressive | $10,166 | $11,394 |
| State Farm | $4,917 | $6,198 |
| USAA | $5,779 | $6,450 |
Buy Cheap Stillwater, OK Auto Insurance for Seniors
You can save on senior auto insurance rates in Stillwater, Oklahoma by comparing Stillwater senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Stillwater, OK here.
Annual Auto Insurance Rates for Senior Drivers in Stillwater, Oklahoma
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,018 | $2,121 |
| Farmers | $1,940 | $2,050 |
| Geico | $2,430 | $2,749 |
| Liberty Mutual | $4,026 | $4,383 |
| Progressive | $2,109 | $2,229 |
| State Farm | $1,654 | $1,654 |
| USAA | $1,721 | $1,737 |
Find Cheap Auto Insurance Rates in Stillwater, OK by Coverage Level
The amount of coverage you choose is a big factor in the cost of Stillwater, Oklahoma auto insurance. Compare Stillwater, OK auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Stillwater, Oklahoma
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,270 | $3,484 | $3,742 |
| Farmers | $3,605 | $3,729 | $3,985 |
| Geico | $3,244 | $3,504 | $3,740 |
| Liberty Mutual | $6,481 | $6,807 | $7,206 |
| Progressive | $4,289 | $4,598 | $4,995 |
| State Farm | $2,604 | $2,771 | $2,999 |
| USAA | $2,885 | $3,002 | $3,144 |
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Find Cheap Stillwater, OK Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Stillwater. Compare auto insurance rates in Stillwater, OK by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Stillwater, Oklahoma
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,499 | $3,499 |
| Farmers | $3,773 | $3,773 |
| Geico | $3,429 | $3,563 |
| Liberty Mutual | $6,831 | $6,831 |
| Progressive | $4,627 | $4,627 |
| State Farm | $2,744 | $2,840 |
| USAA | $2,974 | $3,047 |
Find Cheap Stillwater, OK Auto Insurance Rates by ZIP Code
Auto insurance rates in Stillwater, Oklahoma can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Stillwater, OK to see how much where you live in Stillwater affects the cost of car insurance.
Annual Auto Insurance Rates by ZIP Code in Stillwater, Oklahoma
| ZIP Code | Average Annual Rates |
|---|---|
| 74074 | $3,968 |
| 74075 | $3,979 |
| 74077 | $3,972 |
| 74078 | $3,995 |
Find Cheap Stillwater, OK Auto Insurance Rates by Driving Record
Auto insurance rates in Stillwater, Oklahoma are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Stillwater, OK, take a look at the average cost for various violations versus rates for a clean driving record in Stillwater.
Annual Stillwater, Oklahoma Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,012 | $3,534 | $4,065 | $3,384 |
| Farmers | $3,185 | $4,092 | $3,993 | $3,823 |
| Geico | $2,542 | $3,902 | $4,344 | $3,196 |
| Liberty Mutual | $4,581 | $7,707 | $8,713 | $6,324 |
| Progressive | $3,604 | $6,695 | $3,978 | $4,231 |
| State Farm | $2,582 | $3,001 | $2,792 | $2,792 |
| USAA | $2,221 | $3,190 | $3,896 | $2,733 |
Find Cheap Stillwater, OK Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Stillwater, Oklahoma is higher than for a clean driving record. You can buy auto insurance after a DUI in Stillwater for less when you shop around and compare rates from multiple Stillwater, OK auto insurance companies.
Annual Auto Insurance Rates After a DUI in Stillwater, Oklahoma
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,065 |
| Farmers | $3,993 |
| Geico | $4,344 |
| Liberty Mutual | $8,713 |
| Progressive | $3,978 |
| State Farm | $2,792 |
| USAA | $3,896 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Stillwater, OK
Compare rates from the cheapest auto insurance companies in Stillwater, OK for your needs. Take a look at how Stillwater, Oklahoma auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Stillwater, 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 |
Find Cheap Stillwater, Oklahoma Auto Insurance Companies
If you’re looking for the cheapest Stillwater, OK auto insurance companies overall, you can compare them here. Find the best price for Stillwater, Oklahoma car insurance by company.
Average Annual Auto Insurance Rates by Company in Stillwater, Oklahoma
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,499 |
| Farmers | $3,773 |
| Geico | $3,496 |
| Liberty Mutual | $6,831 |
| Progressive | $4,627 |
| State Farm | $2,792 |
| USAA | $3,010 |
Read more: Cheapest Car Insurance in Oklahoma
What affects Stillwater, Oklahoma auto insurance rates?
Local factors affect auto insurance rates in Stillwater, OK, including traffic, theft statistics, and commute length. Take a look at the things that impact Stillwater auto insurance rates.
Commute Times in Stillwater
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Stillwater, OK is 16.2 minutes according to City-Data.
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Compare Auto Insurance Quotes in Stillwater, OK
You can buy cheap Stillwater, OK auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Stillwater, Oklahoma auto insurance quotes from top companies.
Frequently Asked Questions
How can I find cheap auto insurance in Stillwater, OK?
To find cheap auto insurance in Stillwater, OK, you can follow these steps:
- Compare quotes from multiple insurance providers: Obtain quotes from different insurers to compare prices and coverage options.
- Consider raising your deductibles: Increasing your deductibles can lower your premium, but make sure you can afford to pay the deductible amount if needed.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations often results in lower insurance rates.
- Ask about available discounts: Inquire with insurance companies about any discounts they offer, such as for safe driving, good grades (for student drivers), or vehicle safety features.
- Explore bundling options: If you have other insurance needs, bundling your auto insurance with other policies, like home or renters insurance, may lead to discounts.
Are there any specific auto insurance requirements in Stillwater, OK?
Yes, Stillwater, OK, like the rest of Oklahoma, has specific auto insurance requirements. Oklahoma law requires drivers to have liability insurance, which includes minimum coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.
What factors can affect the cost of auto insurance in Stillwater, OK?
Several factors can influence the cost of auto insurance in Stillwater, OK, including:
- Your driving record: Drivers with a history of accidents or traffic violations often pay higher premiums.
- Vehicle make and model: Some cars are more expensive to insure due to factors such as repair costs, theft rates, or safety ratings.
- Age and gender: Younger drivers, especially teenagers, generally face higher insurance rates. In some cases, males may also have higher premiums.
- Coverage and deductibles: The level of coverage you choose and the deductibles you select can affect your insurance premium.
- Location: Your ZIP code can impact rates due to factors like crime rates, population density, and traffic patterns.
Can I get auto insurance if I have a bad driving record or past accidents?
Yes, even if you have a bad driving record or past accidents, you can still obtain auto insurance coverage in Stillwater, OK. However, insurance companies may consider you a higher risk and charge you higher premiums. It’s essential to compare quotes from different insurers to find the best coverage options available to you.
How can I lower my auto insurance premiums in Stillwater, OK?
To lower your auto insurance premiums in Stillwater, OK, you can consider the following:
- Maintain a good driving record: Avoid accidents and traffic violations.
- Take advantage of discounts: Inquire with your insurance provider about available discounts, such as for safe driving, multiple policies, or vehicle safety features.
- Review your coverage and deductibles: Assess your coverage needs and adjust them accordingly.
- Bundle your policies: Consider bundling your auto insurance with other policies, like home or renters insurance, for potential discounts.
- Improve your credit score: In some cases, insurers use credit information to determine premiums, so maintaining a good credit score can be beneficial.
How often should I review my auto insurance policy in Stillwater, OK?
It’s generally recommended to review your auto insurance policy in Stillwater, OK annually or whenever there are significant changes in your circumstances. This includes events such as moving to a new address or removing drivers from your policy, purchasing a new vehicle, or experiencing changes in your driving habits. Reviewing your policy allows you to ensure that your coverage still meets your needs and explore opportunities to save on premiums by comparing quotes from different insurers.
Can I purchase auto insurance online in Stillwater, OK?
Yes, you can purchase auto insurance online in Stillwater, OK. Many insurance companies offer online platforms where you can obtain quotes, compare coverage options, and purchase your policy conveniently from the comfort of your home. It’s advisable to research and choose reputable insurance providers with secure online payment systems to protect your personal information.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
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.