Cheap Auto Insurance Quotes in Muskogee, OK (2021)

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When it comes to Oklahoma, Muskogee is a bit of an outlier. Thanks to its position in the Arkansas River Valley, it has a surprisingly warm climate and a sea-level elevation, meaning it’s no stranger to flooding.

So when you shop for car insurance as a Muskogee resident, you might want to add flood protection. Luckily, by doing some research with Insurify, you can find an affordable policy that helps you brave the elements in one of Oklahoma’s most scenic cities.

Car Insurance in Muskogee, 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 Muskogee, OK to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$46
$64
$144
$178
$216
ProgressiveState FarmTravelersThe GeneralAmerican Family
Monthly $

Cheapest Car Insurance in Muskogee, OK

Here are the cheapest carriers in Muskogee 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 Muskogee, 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 Muskogee. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$169
$185
$168
$180
$164
$147
OklahomaOklahoma CityTulsaNormanBroken ArrowMuskogee
Monthly $

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Muskogee, OK Driving Facts

oklahoma

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.

Muskogee Car Insurance Rates by Driver Age

Younger drivers on average cost more to insure than any other age group in Muskogee. The average premium for a teenager is around $329.56, while those in their 20s should expect to pay around $100 less in premiums. Those in their 30s and 40s prove to be the safest and most experienced group of drivers in the city. As such, their payments range from $105 to $175 a month for auto insurance.

Driving History
No Violation$177
Speeding Ticket$217
At-Fault Accident$238
Failure to Stop for Red Light / Stop SignN/A

Muskogee Car Insurance Rates by Driving and Accident History

Keeping a clean driving record can do more than just save you from paying money on tickets, it can also lower your average premium rate. Auto insurance rates in Muskogee are significantly affected by the type and number of violations you have on your driving record. If you don’t have any violations, you can expect to pay an average premium of $176.58. However, if you have a speeding violation, the average jumps up to $216.10. More serious occurrences like at-fault accidents have an even larger impact, pushing averages up to $237.60.

Muskogee Car Insurance Rates by Credit Tier

For insurance companies in Muskogee, one way that they can assess how risky you are to insure is through your credit score. Having a good rating often means that you will pay your premium on time and are less likely to participate in risky behavior behind the wheel. Drivers who currently sport a good rating have the best average premium rating, at $171, while others who currently sit at a poor credit score pay an average of $181.11.

Muskogee, OK DMV Information

The Muskogee Driver License Exam Station is located at 651 N 43rd St. E, Muskogee, OK 74403, and gives Muskogee residents a convenient way to sort out any driver’s license concerns. The facility is open Tuesday to Friday from 7 a.m. to 5:45 p.m. and allows you to easily set up appointments ahead of time.

Public Transportation in Muskogee, OK

When it comes to public transportation, Muskogee residents don’t have a wealth of options. Greyhound bus service that operates out of the Muskogee Travel Plaza can help residents get out of town easily. But when traveling within Muskogee, you’ll want a car.

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

A half dozen of Oklahoma’s largest highway routes pass through Muskogee—so you’ll certainly want a car insurance policy that you feel good about. With Insurify, you can quickly research the best insurance companies and find a plan that works for you.

Find local Muskogee agents

The Beckman Company 
118 N 16th St, Muskogee, OK 74401-3313
BancFirst Insurance Services Inc.- Muskogee 
3300 E. Shawnee Rd., Muskogee, OK 73114
Darren Perry Agency 
3423 Chandler Rd, Muskogee, OK 74403-4905
American Mobile Home Insurance Agency, Inc. 
2400 N 32nd St, Muskogee, OK 74401-2243
Tedford & Associates LLC- Muskogee 
110 N 3rd St., Muskogee, OK 74401
Advantage 1 Auto Insurance
617A East Side Blvd, Muskogee, OK 74403
D & E Insurance Agency
1903 N Main St, Muskogee, OK 74401
Act Now Insurance
2311 Monta Ave, Muskogee, OK 74403
Ron Meredith Agency
2321 W Okmulgee Ave, Muskogee, OK 74401
AAA Oklahoma - Muskogee
1021 W Okmulgee Ave, Muskogee, OK 74401

Insurify Insights: How Muskogee Drivers Measure Up

chevrolet
Chevrolet Silverado
Most Popular Car in
Muskogee, OK
suspended licenses
#3
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 Muskogee 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 Muskogee

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. Muskogee drivers rank 21 in the number of car accidents per driver across all cities in Oklahoma.

  • Rank within state: #21
  • Percent of drivers in Muskogee with an accident: 6.19%
  • Drivers in Muskogee, OK with an accident in their driving history paid on average 44.29% more than drivers with a clean record

Speeding Muskogee

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Oklahoma, Muskogee drivers rank 18 in the number of speeding infractions per driver.

  • Rank within state: #18
  • Percent of drivers in Muskogee with a speeding ticket: 8.26%
  • Drivers in Muskogee, OK with a speeding ticket in their driving history paid on average 41.43% more than drivers with a clean record

DUI/DWIs Muskogee

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Muskogee drivers rank 21 in the number of DUI’s per driver across all cities in Oklahoma.

  • Rank within state: #21
  • Percent of drivers in Muskogee with a DUI: 0.75%
  • Drivers in Muskogee, OK with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Muskogee

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

Rude Muskogee

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Oklahoma, Muskogee drivers rank 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Muskogee with a reckless driving violation: 2.06%
  • Drivers in Muskogee, OK with a reckless driving violation in their driving history paid on average 5.71% more than drivers with a clean record.

Safest Drivers Muskogee

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Muskogee drivers rank 1 in clean driving records across all cities in Oklahoma.

  • Rank within state: #1
  • Percent of drivers in Muskogee with clean record: 85.55%

Failure to Yield the Right of Way Muskogee

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Muskogee drivers rank 1 in failure to yield violations per driver across all cities in Oklahoma.

  • Rank within state: #1
  • Percent of drivers in Muskogee with a failure to yield violation: 0.56%
  • Drivers in Muskogee, OK with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Muskogee

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Oklahoma, Muskogee drivers rank 8 in the number of reckless driving offenses per driver.

  • Rank within state: #8
  • Percent of drivers in Muskogee with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Muskogee

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Muskogee drivers rank 15 in hybrid and electric vehicle ownership across all cities in Oklahoma.

  • Rank within state: #15
  • Percent of drivers in Muskogee with a hybrid/electric vehicle: 0.53%

FAQs - Muskogee, OK Car Insurance

Do major insurance carriers have offices in Muskogee?

State Farm, Allstate, Shelter, and Farmers all have outposts in Muskogee, giving drivers in the region many options when it comes to car insurance.

Will my credit score affect my car insurance rates in Muskogee?

Only three states (MA, CA, and HI) don’t factor in your credit score when determining your car insurance rates. That’s why if you’re a Muskogee resident with a below-average credit score, you’ll want to seek out a car insurance company that doesn’t weigh your credit score too heavily when determining rates.

Who offers the cheapest car insurance in my area?

Auto insurance prices vary by driver history, state, and a host of other factors. To ensure you find the right policy at the right price, take advantage of Insurify to easily compare 10+ free quotes from a wide range of companies.

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.