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Cheap Auto Insurance Quotes in Muskogee, OK (August 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

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.

Quick Facts

  • The average cost of car insurance in Muskogee is $143 per month, or $1716 annually.
  • Car insurance in Muskogee is $22 less than the average cost of car insurance in Oklahoma.
  • The cheapest car insurance provider in Muskogee on average is CSAA, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$46
State Farm
$64
Travelers
$144
The General
$178
American Family
$216

Cheapest Car Insurance in Muskogee, OK

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in MuskogeeQuotes
Progressive$46 /mo
State Farm$64 /mo
Travelers$144 /mo
The General$178 /mo
American Family$216 /mo

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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 company reviews. The following are the top rated companies that offer car insurance in Muskogee. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
Liberty Mutual82$209 /mo
Mercury81$139 /mo

Average Car Insurance Cost

Oklahoma Cities
Oklahoma City$185/mo
Tulsa$168/mo
Norman$180/mo
Broken Arrow$164/mo
Muskogee$147/mo
Oklahoma$169/mo
Muskogee
$147
Broken Arrow
$164
Tulsa
$168
Average for OK
$169
Norman
$180
Oklahoma City
$185
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Oklahoma

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 be available when:

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

The minimum liability insurance requirements for private passenger vehicles in Oklahoma[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Oklahoma is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the 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.

Driver's AgeAvg. Monthly Cost
teens$330
20s$228
30s$172
40s$105
50s$177
60s$128
70s$150
80s$175

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.

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

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.

Credit TierAvg. Monthly Cost
Excellent$250
Good$171
Average$177
Poor$182

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
View more

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.

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.

FAQs - Muskogee, OK Car Insurance

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

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Insurify Insights

How Muskogee Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Muskogee, Oklahoma below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Muskogee drivers measure up to their fellow motorists across Oklahoma in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

chevrolet

Chevrolet Silverado

Most Popular Car in Muskogee

#13

City with the Most Speeding Tickets Rank in Oklahoma

#15

City with the Most Moving Violations Rank in Oklahoma

#15

City with the Most DUIs Rank in Oklahoma

#6

City with the Most Suspended Licenses in Oklahoma

  • 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 12 in the number of car accidents per driver across all cities in Oklahoma.

    • Rank within state: #12
    • Percent of drivers in Muskogee with an accident: 6.2%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Muskogee drivers rank 15 in the number of DUI’s per driver across all cities in Oklahoma.

    • Rank within state: #15
    • Percent of drivers in Muskogee with a DUI: 0.7%
  • 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 6 in the number of reckless driving offenses per driver.

    • Rank within state: #6
    • Percent of drivers in Muskogee with a reckless driving offense: 0%
  • 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 3 in rude driving infractions.

    • Rank within state: #3
    • Percent of drivers in Muskogee with a reckless driving violation: 1.83%
  • 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 13 in the number of speeding infractions per driver.

    • Rank within state: #13
    • Percent of drivers in Muskogee with a speeding ticket: 7.5%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Muskogee drivers rank 2 in clean driving records across all cities in Oklahoma.

    • Rank within state: #2
    • Percent of drivers in Muskogee with clean record: 12.87%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Muskogee drivers rank 6 in hybrid and electric vehicle ownership across all cities in Oklahoma.

    • Rank within state: #6
    • Percent of drivers in Muskogee with a hybrid/electric vehicle: 0.37%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Insurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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Sources

  1. Oklahoma Insurance Department. "State Minimum Car Insurance Requirements." Accessed May 28, 2022