Cheap Auto Insurance Quotes in Bartlesville, OK (January 2022)

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Car Insurance in Bartlesville, OK

Drivers who live in the state of Oklahoma are required to carry car insurance to operate a vehicle. Whether you want the state minimum coverage or a comprehensive auto insurance policy, you will still want to shop around before purchasing. In Bartlesville, there are many local agents and insurance agencies that offer cheap auto insurance quotes.

Like in other states, motorists in Oklahoma will find that rates for auto insurance coverage vary based on several factors, including location. Some cities have higher premiums, while others, like Bartlesville, generally have cheaper coverage options.

Here is a look at the cities that offer the lowest car insurance quotes in Oklahoma.

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Cheapest Car Insurance in Bartlesville, OK

If you currently live in Bartlesville, OK, and are looking for an auto insurance policy, your best course of action is to get free quotes from several insurance providers through Insurify, which allows you to compare prices and policies before purchasing. Here is a list of free auto insurance quotes from companies in Bartlesville.

Best Car Insurance in Bartlesville, OK

When looking for auto coverage, most drivers only consider large carriers such as Farmers Insurance, Allstate Insurance, GEICO, and State Farm insurance. However, several local companies also offer competitive auto insurance rates.

Here is a list of the best car insurance providers in Bartlesville, OK, based on their ICS (Insurify Composite Score)

Average Car Insurance Cost

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Bartlesville, OK Driving Facts

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Minimum Car Insurance Requirements in OK

All motor All motor vehicles operated or parked on Oklahoma roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Oklahoma are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Oklahoma state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Oklahoma law.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage property damage liability property damage liability coverage required in the state of Oklahoma is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Bartlesville Car Insurance Rates by Driver Age

Along with location, age is often another factor in determining how cheap your auto insurance rates are. Generally, as you gain more experience behind the wheel, your monthly premium begins to decrease. As you will see from the table, teens and younger drivers pay the most for coverage, while drivers from the age of 30 to 60 often pay less.

Bartlesville Car Insurance Rates by Driving and Accident History

Nearly all insurance companies will consider your driving record when providing a quote. If you have a clean driving history with no violations, your rates will typically be much lower than if you had an incident such as a speeding ticket or an at-fault accident.

This table demonstrates the effects a violation can have on your monthly premium.

Bartlesville Car Insurance Rates by Credit Tier

Often, drivers don’t consider how their credit rating can play a factor in their overall auto insurance rates. However, having an excellent credit score demonstrates to insurance providers that you will pay your bills on time and generally file fewer claims. As this table shows, the better your overall credit rating, the cheaper your car insurance rates usually are.

Bartlesville DMV Information

For young drivers looking to obtain their driver’s license, the local DMV in Bartlesville is located at 4100 SE Adams Rd. In addition to obtaining your license, this location also offers the following services:

  • Obtain a disability parking sign for your vehicle
  • Issue size and weight permits
  • Obtain a learner’s permit
  • Provide resources for reinstating your license

If you need tag services, there is also a tag agency at 1661 Swan Dr where you can renew your vehicle tags.

Public Transportation in Bartlesville

For citizens who live in Bartlesville and don’t currently drive, there is another option available. The city offers public transportation through a system known as CityRide.

CityRide currently provides townspeople with an on-demand transportation service that will drop you off anywhere in the city. Since the service is open to the public, availability is on a first-call basis, and you must schedule rides ahead of time.

In addition to scheduling a ride, here are a few other things to know when using CityRide:

  • Regular transportation fare is $3. (Children under the age of 12 ride free when accompanied by an adult.)
  • Group rates and tribal citizen discounts are available.
  • Hours of operation are Monday through Friday, from 7 a.m to 5:30 p.m.

If you are looking to use CityRide, you will want to schedule your ride by calling 1 (918) 336-2233 at least 24 hours ahead of the time you need to be picked up.

How to Get the Cheapest Car Insurance in Bartlesville

For drivers in Bartlesville, OK, there are many insurance agencies to consider when purchasing an auto insurance policy. Along with large providers, local insurance solutions are provided by places such as Overman Insurance Agency, Wasemiller Insurance Agency, and Phoenix Insurance. Finding the perfect coverage for your situation can be difficult.

Insurify helps simplify the process by providing you with a list of quotes you qualify for, all on one page. This allows you to quickly compare policies within seconds and choose the plan that makes the most sense for you.

See what coverages you qualify for on the Insurify platform today.

Find local Bartlesville agents

Phoenix Insurance Inc.
316 S Shawnee, Bartlesville, OK 74003-3921
BondPro, INC.
217 S Choctaw Ave, Bartlesville, OK 74003-2837
Wasemiller Insurance Agency Inc.
501 E 4th, Bartlesville, OK 74003-3906
Overman Insurance Agency- Bartlesville
320 SE Delaware Ave Ste 5, Bartlesville, OK 74003
AAA Oklahoma - Bartlesville
112 SE Frank Phillips Blvd, Bartlesville, OK 74003,
Stumpff Insurance
1550 SE Washington Blvd, Bartlesville, OK 74006
Shelter Insurance
3823 SE Adams Rd, Bartlesville, OK 74006
Jason Bilhartz: Allstate Insurance
510 S Cherokee Ave, Bartlesville, OK 74003
Matt Spence - State Farm Insurance Agent
124 SW Frank Phillips Blvd, Bartlesville, OK 74003
Farmers Insurance - Scott Gillette
1725 SE Washington Blvd ste b, Bartlesville, OK 74006

Insurify Insights: How Bartlesville Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Bartlesville, OK
suspended licenses
#19
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Bartlesville drivers measure up to their fellow Oklahoma motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Bartlesville

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Bartlesville drivers rank 10 in the number of car accidents per driver across all cities in Oklahoma.

  • Rank within state: #10
  • Percent of drivers in Bartlesville with an accident: 8.82%
  • Drivers in Bartlesville, OK with an accident in their driving history paid on average 54.33% more than drivers with a clean record

Speeding in Bartlesville

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Oklahoma, Bartlesville drivers rank 16 in the number of speeding infractions per driver.

  • Rank within state: #16
  • Percent of drivers in Bartlesville with a speeding ticket: 8.56%
  • Drivers in Bartlesville, OK with a speeding ticket in their driving history paid on average 25.98% more than drivers with a clean record

DUI/DWIs in Bartlesville

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Bartlesville drivers rank 13 in the number of DUI’s per driver across all cities in Oklahoma.

  • Rank within state: #13
  • Percent of drivers in Bartlesville with a DUI: 1.34%
  • Drivers in Bartlesville, OK with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Bartlesville

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Bartlesville is the Ford F-Series Pickup.

Hybrid/Electric Vehicle Ownership in Bartlesville

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Bartlesville drivers rank 7 in hybrid and electric vehicle ownership across all cities in Oklahoma.

  • Rank within state: #7
  • Percent of drivers in Bartlesville with a hybrid/electric vehicle: 0.75%

FAQs - Bartlesville, OK Car Insurance

How do I find cheap car insurance in Bartlesville, OK?

Finding a cheap car insurance policy in Bartlesville, OK, is possible if you take the time to shop around. Typically, speaking with several insurance companies about your insurance needs will help you find an affordable auto insurance plan.

You can also look for companies that provide discounts when you bundle auto and homeowners insurance or auto and renters insurance together to get a better rate. Some locations will also let you bundle other insurance products with auto coverage, such as life insurance.

How much does car insurance cost in Bartlesville, OK?

While the actual amount you pay for car insurance will depend on several factors, including the type of coverage you purchase, you should expect to pay an average monthly premium of $XXX.

What drives up car insurance rates in Bartlesville, OK?

Many things can cause car insurance rates to increase in Bartlesville, OK. The most significant factors that tend to drive up the cost of coverage include driving history, age, gender, vehicle type, and policy limits.

The type of coverage you purchase will also affect the overall cost you pay. For example, a plan that provides protection for property damage and liability coverage may cost more than a state minimum policy.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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