Cheapest Auto Insurance in Bartlesville, Oklahoma (2026)
State Farm is the cheapest car insurance company in Bartlesville, with monthly liability rates as low as $32.
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Bartlesville is known as a cultural hub in Oklahoma, offering museums, festivals, and a vibrant downtown area.
Auto insurance in this small city is around $115 per month, on average. To put that figure in perspective, Oklahomans pay an average of $120 per month, while drivers in the U.S. pay an average of $140 per month. Bartlesville’s population of less than 38,000 could contribute to its lower car insurance costs. Fewer cars on the road mean a lower risk of accidents and car insurance claims.
Here’s what you should know about comparing quotes and finding affordable car insurance coverage in Bartlesville.
Quick Facts
Bartlesville drivers pay an average of $63 per month for liability coverage and $167 per month for full coverage.
State Farm, USAA, and Allstate have the cheapest car insurance in Bartlesville.
Full-coverage car insurance in Bartlesville costs an average of $2,003 per year.
3 of the cheapest car insurance companies in Bartlesville
If you’re a Bartlesville driver shopping for affordable car insurance, State Farm, USAA, and Allstate offer the cheapest policies on average.
While these companies are a good starting point if you’re seeking a new car insurance policy, the cost of your coverage will depend on your driving record, age, gender, and other factors.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best for |
|---|---|---|---|---|
| State Farm | 9.3 | $77 | $34 | Cheap coverage |
| USAA | 9.1 | $97 | $43 | Veterans |
| Allstate | 8.9 | $106 | $47 | Discounts |
Disclaimer: Table data sourced from real-time Bartlesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bartlesville may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap coverage: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $32/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $74/mo |
4.0
Best choiceBased on 16,832 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Showing 27 Oklahoma reviews for Bartlesville driversSee all 7,351 State Farm reviews
Verified Review
Reviewed in Oklahoma on April 2, 2026
No problem with them. I've been with them for close to 60 years.
Verified Review
Reviewed in Oklahoma on April 1, 2026
Too expensive, rates go up way too much in a short time!
Verified Review
Reviewed in Oklahoma on March 21, 2026
State Farm had been very reliable, but the cost continued to go up.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers some of the cheapest car insurance coverage in Bartlesville, so it’s a good option if your top priority is saving money on your auto policy. In addition to affordable coverage, State Farm offers a series of discounts that could further lower your insurance rates. Bartlesville drivers can get several discounts for safe driving, vehicle safety features, and bundling policies.
Pros
Affordable rates
Several available discounts
Cons
Discounts vary by state
Doesn’t offer gap insurance
Best insurer for veterans: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $41/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $92/mo |
4.9
Best choiceBased on 3,372 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Showing 10 Oklahoma reviews for Bartlesville driversSee all 1,523 USAA reviews
Verified Review
Reviewed in Oklahoma on March 28, 2026
I must say, honestly, I like the coverage. It's just not affordable for my budget, being that I'm a disabled widow of a veteran.
Verified Review
Reviewed in Oklahoma on January 17, 2026
USAA has been really good on the car side but needs a little more attention when you have a possible home issue. They, however, did lower our rates when I asked them for some help on that particular subject. Maybe I should have given them four stars instead of five, but I took everything into consideration and decided they deserved five stars! We have been with them for over five years, so I just thought back on how it has been over the last five years, and I can honestly say I haven’t had any problems!
Verified Review
Reviewed in Oklahoma on January 3, 2026
The home insurance section is excellent, but the car insurance costs way too much.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Oklahoma is home to eight military installations, and Bartlesville itself is home to 2,213 veterans.[1] This financial services company specializes in offering insurance, banking, and investing products to current and former military members. Its insurance products include auto, homeowners insurance, renters insurance, small-business insurance, life insurance, and more.
The company also offers many discounts, including up to 30% off if you enroll in the USAA Safepilot program and maintain safe driving habits.
Pros
Offers low rates
Many available discounts
Cons
Only available to military members, veterans, and eligible family members
Doesn’t offer gap insurance
Best insurer for discounts: Allstate
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $102/mo |
3.8
A solid optionBased on 10,092 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.3 | 2.9 |
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Showing 13 Oklahoma reviews for Bartlesville driversSee all 4,364 Allstate reviews
Verified Review
Reviewed in Oklahoma on February 18, 2026
Everything was good. I haven’t had any accidents.
Verified Review
Reviewed in Oklahoma on February 16, 2026
I have not had a claim, so I don't know about their claims service. But just like any other insurance company, they reel you in with a fair price for the first year, then the premiums start to rise. I shop for insurance every year.
Verified Review
Reviewed in Oklahoma on January 28, 2026
Way overpriced. We're 71 and 72 years old, haven't had an accident in I don't know how long, and haven't had a speeding ticket in probably 30 years. We're still having to pay outrageous rates. There's absolutely no reward whatsoever for being loyal or accident-free. We're still paying for everybody else's problems!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
While Allstate’s premiums are slightly higher on average than State Farm and USAA, this insurer also offers a broader range of discounts. You can get the best deal by bundling your coverage, insuring multiple vehicles, driving a new vehicle, or having specific safety and security features in your car.
Pros
Auto policies are relatively inexpensive
More discounts than many competitors
Cons
Not the cheapest coverage available
Mixed customer reviews on Trustpilot
How to get the cheapest car insurance in Bartlesville
If you’re in the market for a new car insurance policy, it can help to understand the things car insurance companies consider when determining your rates. Your insurer will take your driving record, gender, age, vehicle, credit score, and more into account.
But you can take some steps to lower your insurance costs:[2]
Improve your credit. Excellent credit benefits you in many ways, including reducing your insurance costs. If you’re planning to get a new auto policy, improving your credit could boost your savings.
Shop around. Car insurance premiums and exclusions vary by company, which is why it’s important to shop around for new coverage. Consider working with insurance agencies or brokers or getting quotes from multiple insurers on your own to find the cheapest option.
Opt for a safe vehicle. Many auto insurance companies offer discounts if you drive a safe vehicle and have certain security features, such as a car alarm or anti-lock brakes.
Find Cheap Car Insurance in Bartlesville
Minimum-coverage rates start at $32 per month
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Cheapest liability-only car insurance in Bartlesville: State Farm
Liability-only insurance is bare-bones coverage that meets state-minimum requirements and pays for others’ injuries and damages if you’re at fault in an accident. But it doesn’t pay for your injuries and damages.
Drivers in Bartlesville pay an average of $63 per month for liability coverage.
Here are some top companies in the insurance industry offering affordable liability-only coverage.
The below rates in Bartlesville, OK, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $32 |
| USAA | $41 |
| Allstate | $45 |
| Progressive | $53 |
| Mercury | $56 |
| National General | $65 |
| The General | $67 |
| Farmers | $69 |
| AssuranceAmerica | $71 |
| Safeco | $75 |
| GEICO | $76 |
| Bristol West | $86 |
| Root | $88 |
| GAINSCO | $96 |
| CSAA | $97 |
| Shelter | $97 |
| Direct Auto | $99 |
| Liberty Mutual | $145 |
| Liberty Mutual | $145 |
Disclaimer: Table data sourced from real-time Bartlesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bartlesville may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Bartlesville: State Farm
Full-coverage auto insurance provides more protection than liability-only coverage. Drivers with full coverage typically have liability, collision, and comprehensive coverage. Collision insurance pays for damage to your car after an accident, while comprehensive insurance pays for your car repairs or personal property if they’re damaged due to an incident other than a collision, such as vandalism, theft, or hitting an animal.
Full-coverage insurance in Bartlesville costs an average of $167 per month. Below are the most affordable full-coverage car insurance policies in the city.
The below rates in Bartlesville, OK, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $74 |
| USAA | $92 |
| Allstate | $102 |
| Progressive | $118 |
| Mercury | $125 |
| National General | $132 |
| AssuranceAmerica | $137 |
| Root | $144 |
| Safeco | $151 |
| Farmers | $156 |
| GEICO | $163 |
| CSAA | $167 |
| The General | $184 |
| Direct Auto | $188 |
| Bristol West | $213 |
| Shelter | $219 |
| Liberty Mutual | $233 |
| Liberty Mutual | $233 |
| GAINSCO | $271 |
Disclaimer: Table data sourced from real-time Bartlesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bartlesville may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Bartlesville, Oklahoma drivers
Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $77/mo for full coverage in Bartlesville and other Oklahoma cities.
*Quotes generated for Insurify users in and around Bartlesville, Oklahoma within the last 10 days. Last updated on April 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Bartlesville, Oklahoma within the last 10 days. Last updated on April 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Oklahoma
Oklahoma requires drivers to carry a minimum amount of liability coverage. You’ll need both bodily injury and property damage liability insurance. Oklahoma is an at-fault state, meaning you’ll be responsible for paying for damage to another driver’s vehicle or their injuries if you cause an accident.
The state requires the following minimum-coverage amounts:[3]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 |
But minimum coverage may not be enough protection if you’re involved in a motor vehicle accident. Additional coverage could be beneficial. Non-required coverage options include:
Medical payments coverage
Medical payments insurance covers medical bills for you and your passengers if you’re hurt in a car accident. It can also cover funeral costs.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have sufficient insurance to pay for your damages.
Cheapest car insurance for drivers with an incident
If you have a past incident on your driving record, your insurance company may charge you higher car insurance premiums. Incidents could include at-fault accidents, driving under the influence charges, speeding tickets, and other moving violations. These make you a higher risk to insure, so your insurer makes up for this risk by increasing your premiums.
The table below shows how your liability-only rates can change if you have an incident on your driving record.
The below rates in Bartlesville, OK, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $32 | $41 | $42 | $43 |
| USAA | $41 | $54 | $54 | $55 |
| Allstate | $45 | $60 | $59 | $60 |
| Progressive | $53 | $69 | $68 | $65 |
| Mercury | $56 | $79 | $82 | $79 |
| Farmers | $69 | $90 | $91 | $92 |
| The General | $67 | $91 | $91 | $86 |
| AssuranceAmerica | $71 | $92 | $93 | $94 |
| Safeco | $75 | $100 | $103 | $106 |
| GEICO | $76 | $101 | $98 | $100 |
| Bristol West | $86 | $111 | $111 | $114 |
| GAINSCO | $96 | $117 | $121 | $128 |
| Root | $88 | $120 | $116 | $118 |
| Direct Auto | $99 | $127 | $133 | $132 |
| CSAA | $97 | $130 | $142 | $129 |
| Shelter | $97 | $131 | $129 | $130 |
| Liberty Mutual | $145 | $188 | $189 | $193 |
| Liberty Mutual | $145 | $188 | $189 | $193 |
Disclaimer: Table data sourced from real-time Bartlesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Bartlesville may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
In general, car insurance rates dip in your 30s and start increasing for senior drivers in their 70s. Bartlesville drivers in their 60s get the best rates, on average, followed by those in their 50s.
The highest rates are reserved for new drivers due to their inexperience behind the wheel. Insurance companies typically view teen drivers as a higher risk to insure because they’re statistically more likely to be involved in a car accident.[4]
Here’s a look at average insurance costs by age in Bartlesville.
Age | Average Monthly Quote |
|---|---|
| Teens | $297 |
| 20s | $206 |
| 30s | $153 |
| 40s | $139 |
| 50s | $124 |
| 60s | $120 |
| 70s | $128 |
Disclaimer: Table data is based on real-time Bartlesville quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Shop for Car Insurance in Bartlesville, OK
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Bartlesville car insurance quotes by credit tier
Insurers can factor in your credit history when setting insurance rates in Oklahoma. Companies may deem drivers with poor credit scores as riskier to insure, while they consider drivers with excellent credit a lower risk.
The chart below shows how your credit could affect your insurance rates as a Bartlesville driver.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $144 |
| Good | $162 |
| Fair | $178 |
| Poor | $261 |
Bartlesville car insurance FAQs
If you’re shopping for car insurance in Bartlesville, Oklahoma, this additional information may help as you research your coverage options.
How much is car insurance in Bartlesville?
Car insurance in Bartlesville costs an average of $63 per month for liability coverage and $167 per month for full coverage, according to Insurify data.
Which companies have the cheapest car insurance in Bartlesville?
State Farm has the cheapest car insurance in Bartlesville, with monthly liability rates of $32. You can also find affordable coverage from USAA and Allstate, which have monthly liability rates of $41 and $45, respectively.
But the cheapest insurer for you will depend on multiple factors, such as your age, gender, ZIP code, type of car you drive, and more.
What are the best car insurance companies in Bartlesville?
State Farm is one of the best car insurance companies in Bartlesville. It has an IQ Score of 9.3 out of 5, an A++ (Superior) financial strength rating from AM Best, and above-average J.D. Power customer satisfaction ratings.
Other top insurers in the city include Allstate and USAA.
Sources
- U.S. Census Bureau. "QuickFacts Bartlesville City, Oklahoma."
- Insurance Information Institute. "How to save money on car insurance."
- Oklahoma Insurance Department. "A Guide to Dealing With Auto Insurance & Accidents."
- Insurance Institute for Highway Safety. "Teenagers."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Jess UllrichFreelance Insurance Writer
10+ years in personal finance writing and editing
Investopedia, Wall Street Journal, and The HuffPost
Featured in
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Featured in
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in