Cheapest Auto Insurance in Bartlesville, Oklahoma (2024)

State Farm is the cheapest car insurance company in Bartlesville, with monthly liability rates as low as $30.

Jess Ullrich
Written byJess Ullrich
Jess Ullrich
Jess UllrichInsurance Writer
  • 10+ years writing insurance and personal finance topics

  • Former associate finance editor for Investopedia

Jess is a subject matter expert in insurance, banking, and other personal finance topics. Her byline has appeared in numerous top web media, including Investopedia.

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Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Updated June 13, 2024

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Cheapest recent rates near Bartlesville, Oklahoma

Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $63/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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $128 per month, on average. To put that figure in perspective, Oklahomans pay an average of $144 per month, while drivers in the U.S. pay an average of $160 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 $82 per month for liability coverage and $175 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 $2,102 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
State Farm4.6$63$34Cheap coverage
USAA4.7$79$43Veterans
Allstate4.4$87$47Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$30/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.
$56/mo

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

Read our State Farm review
Laudita - June 13, 2024
Verified

No Consideration at All, They Don't Care About the Years Spent With Them

They doubled my insurance premium without any reason. I haven't had an accident in the last 10 years.

Luisa - June 13, 2024
Verified

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

Daniel - June 13, 2024
Verified

Excellent

I have no complaints. It has been very good.

Best insurer for veterans: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$37/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.
$70/mo

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

Read our USAA review
Dorothy - June 13, 2024
Verified

Price

It's a good company, but the price increases every year.

Steven - June 13, 2024
Verified

Hopeless

I am a disabled veteran. I lost my phone and got a new number. I needed to adjust my policy and had forgotten my old phone number and password codes. They would not allow access to my account to make changes. It became a nightmare. Otherwise, they are a good company.

Harold - June 9, 2024
Verified

Great

I have been with them for 30 years.

Best insurer for discounts: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$77/mo

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

Read our Allstate review
Mark - June 13, 2024
Verified

Terrible, company didn't cover two rocks hitting my windshield

The assistance was awful.

Jay - June 13, 2024
Verified

Not the Greatest, But OK

The app isn't great, so it's better to deal with an agent.

Louis - June 13, 2024
Verified

Allstate is Overpriced

They are way too expensive.

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 $30 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 $82 per month for liability coverage. 

Here are some top companies in the insurance industry offering affordable liability-only coverage.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$30
USAA$37
Allstate$41
Safeco$48
GEICO$60
Mercury$60
Farmers$63
Progressive$67
Clearcover$68
National General$70
CSAA$78
Liberty Mutual$79
Direct Auto$80
Midvale Home & Auto$86
Shelter$89
GAINSCO$90
The General$93
Hallmark$104
Foremost$118
Bristol West$130
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $175 per month. Below are the most affordable full-coverage car insurance policies in the city.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$56
USAA$70
Allstate$77
GEICO$111
Safeco$118
Farmers$119
Mercury$123
Progressive$123
Clearcover$138
Direct Auto$139
National General$142
CSAA$164
Shelter$167
Midvale Home & Auto$186
The General$198
Liberty Mutual$201
GAINSCO$213
Hallmark$230
Foremost$240
Bristol West$270
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Bartlesville, Oklahoma

Drivers using Insurify have found quotes as cheap as $45/mo for liability only and $96/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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/c1984b0bb9/safety.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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 are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm$30$40$41$51
USAA$37$49$51$63
Allstate$41$55$57$70
Safeco$48$65$65$82
GEICO$60$80$83$103
Mercury$60$86$88$93
Farmers$63$84$87$108
Progressive$67$90$94$115
Clearcover$68$92$100$116
National General$70$92$97$120
CSAA$78$107$113$133
Liberty Mutual$79$116$119$135
Direct Auto$80$108$113$137
Midvale Home & Auto$86$119$126$147
Shelter$89$124$128$152
GAINSCO$90$133$121$154
The General$93$126$131$159
Hallmark$104$140$140$178
Foremost$118$174$178$202
Bristol West$130$173$177$222
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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.

AgeAverage Monthly Quote
Teens$297
20s$206
30s$153
40s$139
50s$124
60s$120
70s$128
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $82 per month for liability coverage and $175 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 $30. You can also find affordable coverage from USAA and Allstate, which have monthly liability rates of $37 and $41, 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 4.6 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.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. U.S. Census Bureau. "QuickFacts Bartlesville City, Oklahoma."
  2. Insurance Information Institute. "How to save money on car insurance."
  3. Oklahoma Insurance Department. "A Guide to Dealing With Auto Insurance & Accidents."
  4. Insurance Institute for Highway Safety. "Teenagers."
Jess Ullrich
Jess UllrichInsurance Writer

Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

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