Cheap Auto Insurance Quotes in Enid, OK (2021)

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Flat land and few roads make Enid an easy place to navigate, even for younger or less experienced drivers. With a population of roughly 50,000 people, Enid offers driving that is often quite laid-back. The city only boasts two main highways, with the rest of the area organized in a grid. Traffic here is rare; however, drivers should be careful of cyclists on many of the roads. Driving in Enid may be easy, but it’s always smart to enroll in robust auto insurance anyway.

Car Insurance in Enid, OK

The average cost of Oklahoma car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Enid, OK to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$63
$119
$134
$174
$208
State FarmTravelersProgressiveThe GeneralAmerican Family
Monthly $

Cheapest Car Insurance in Enid, OK

Here are the cheapest carriers in Enid for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Enid, OK

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Enid. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$167
$185
$168
$180
$164
$140
OklahomaOklahoma CityTulsaNormanBroken ArrowEnid
Monthly $

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Enid, OK Driving Facts

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Minimum Car Insurance Requirements in OK

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.

Enid Car Insurance Rates by Driver Age

Hardworking teens should be able to pay $352 per month and still have a bit of spending money left over. In Enid, car insurance prices go down as the number of years behind the wheel increases. That’s why young adults in their 20s see a $150 price drop over the teenagers’ premium. From that point, everyone spends less than the state average of $203 per month. People in their 60s get the best deal, with a price that’s more than $225 cheaper than what the youngest drivers shell out.

Driving History
No Violation$167
Speeding Ticket$171
At-Fault Accident$375
Failure to Stop for Red Light / Stop SignN/A

Enid Car Insurance Rates by Driving and Accident History

Oklahomans know that safe driving is smart driving. They’re wise enough to get peace of mind on the road, and insurance companies reward the safest folks with “good driver” and “accident-free” discounts. But all those savings could go out the window after a quick text message or other distraction that causes a fender bender. Even worse, an at-fault accident pushes the rate up $200 per month, or $2,400 per year. The good news is three years of careful driving, and accidents and violations stop affecting insurance costs.

Enid Car Insurance Rates by Credit Tier

Some residents of the Sooner State are trying to figure out what MasterCard has to do with mastering the road? In Oklahoma, like most states, insurance companies assess credit when deciding the rates. Usually, people with the best credit pay the least. So why do those with poor and average credit pay so little in Enid? Drivers with better credit can finance costlier cars and get more coverage to protect their assets. Either way, moving from good to excellent credit will save over $125 per month, or $1,500 per year.

Enid, OK DMV Information

Two different Tag Agencies are located in Enid, offering a range of driving services to residents of the area. One office operates Monday through Friday from 8:30 a.m. to 5 p.m., with availability from 9 a.m. to noon on Saturdays. The TAG Agency of Enid is open from 8:30 a.m. to 5:30 p.m. on weekdays. Drivers in Enid are often able to complete their DMV tasks with minimal wait times thanks to the option of two locations.

Public Transportation in Enid, OK

Given the small size of Enid, the city doesn’t offer a traditional public bus system. Instead, Enid Transit is available on an on-call basis and provides round-trip service. Operating hours of Enid Transit are from 6 a.m. to 10 p.m. Monday through Saturday. Biking around the area is also a popular option, and Uber or Lyft can be utilized outside of Enid Transit’s regular schedule.

Conclusion: How to get the best and cheapest car insurance in Enid, OK

In most cases, driving around Enid is uneventful; the city is small and doesn’t have many streets to begin with. However, with such a high rate of uninsured drivers in the area, it’s wise to enroll in adequate car insurance. Should you become involved in an accident, you’ll want to protect yourself from having to pay out of pocket for damages.

Even though car insurance in Oklahoma can be expensive, you don’t have to pay a ton for your policy. By visiting Insurify, drivers can find the most cost-effective policy that meets both their budget and their specific driving needs. Head over to Insurify today, and see how your policy compares.

Find local Enid agents

Baker Harris Hopkins Ins Agency 
502 W Broadway, Enid, OK 73701-3842
Dillingham Insurance 
2402 W Willow, Enid, OK 73703-2324
TCSC Insurance Agency Inc/Triangle Insurance Company 
205 W Maple Suite 103, Enid, OK 73701-4021
Messer-Bowers Co - Enid 
300 W Cherokee, Enid, OK 73701-5639
Enid Insurance Agency
2429 N Van Buren St, Enid, OK 73703
Maximum Insurance
502 S Cleveland St, Enid, OK 73701
Great Plains Insurance
3517 N Van Buren Bypass, Enid, OK 73701
Shelter Insurance - Jerry Whitney
610 S Cleveland St, Enid, OK 73703
David Burrows: Allstate Insurance
1800 S Van Buren St Ste D-1, Enid, OK 73703
David Burrows: Allstate Insurance
1810 W Owen K Garriott Rd, Enid, OK 73703

Insurify Insights: How Enid Drivers Measure Up

chevrolet
Chevrolet Malibu
Most Popular Car in
Enid, OK
suspended licenses
#21
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 Enid 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 Enid

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. Enid drivers rank 14 in the number of car accidents per driver across all cities in Oklahoma.

  • Rank within state: #14
  • Percent of drivers in Enid with an accident: 8.15%
  • Drivers in Enid, OK with an accident in their driving history paid on average 49.61% more than drivers with a clean record

Speeding Enid

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Oklahoma, Enid drivers rank 10 in the number of speeding infractions per driver.

  • Rank within state: #10
  • Percent of drivers in Enid with a speeding ticket: 9.47%
  • Drivers in Enid, OK with a speeding ticket in their driving history paid on average 33.86% more than drivers with a clean record

DUI/DWIs Enid

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Enid drivers rank 14 in the number of DUI’s per driver across all cities in Oklahoma.

  • Rank within state: #14
  • Percent of drivers in Enid with a DUI: 1.32%
  • Drivers in Enid, OK with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Enid

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Enid is the Chevrolet Malibu.

Hybrid/Electric Vehicle Ownership Enid

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Enid drivers rank 12 in hybrid and electric vehicle ownership across all cities in Oklahoma.

  • Rank within state: #12
  • Percent of drivers in Enid with a hybrid/electric vehicle: 0.62%

FAQs - Enid, OK Car Insurance

Why is car insurance in Enid so expensive?

Auto coverage in Oklahoma is among the highest-priced in the nation based on factors that include the rate of accidents, number of DUIs, and more. Remember that your insurance policy rate will be based on multiple factors, including your personal driving history.

Can I drive in Enid without car insurance?

It’s illegal for residents of Enid to operate a vehicle without auto coverage, but that doesn’t stop many people. The state of Oklahoma has one of the highest rates of uninsured drivers in the country, a factor that leads to higher insurance premiums for all.

Where can I find cheap car insurance in Enid?

Save time and money by using Insurify today. You can compare real-time pricing from a variety of insurance companies and select the policy that best meets your specific driving needs. Enrolling in a new policy is quick and easy with Insurify.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.