Best Cheap Auto Insurance in Stillwater, Oklahoma (2025)
State Farm offers the cheapest rates in Stillwater for $28 per month.
Secure. Free. Easy-to-use.
Excellent
)
Written byJacqueline DeMarco
)
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Featured in
){kind=small}
){kind=small}
)
Edited byCourtney Mikulski
)
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
){kind=small}
){kind=small}
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Home to Oklahoma State University, Stillwater has a permanent resident population of 49,000 and is the 10th-largest city in the state.[1] However, the university’s undergraduate population is 24,000 students, 26% of which come from out of state.[2] This influx of young drivers from across the state and country may contribute to Stillwater’s higher-than-expected average car insurance rates of $128 per month.
Here’s what you need to know about finding the cheapest and best car insurance companies for your situation in Stillwater, Oklahoma.
Quick Facts
Full-coverage insurance costs on average $178 per month, and liability insurance costs $77 on average in Stillwater.
Stillwater drivers have lower average auto insurance rates than drivers in neighboring cities like Tulsa and Oklahoma City.
Oklahoma State students in Stillwater can use community buses and transit for free with a valid university ID, so it’s worth considering leaving your car at home for a potential student-away-at-school discount.
Best car insurance companies in Stillwater
When shopping for the cheapest car insurance in Stillwater, you need to keep more than the price in mind, as the cheapest policy may not be the right one for your needs as a driver. Insurify identified some of the top auto insurers in the city to help you start your search.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $74 | $42 | Full coverage |
| USAA | 9.1 | $93 | $52 | Military community |
| Allstate | 8.9 | $102 | $57 | Liability coverage |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 55,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best full-coverage insurance: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $28/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. | $62/mo |
4.1
Best choiceBased on 11,257 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,040)
Tammi
June 29, 2025
Verified Review
State Farm is financially greedy
State Farm is ridiculously expensive!
Dorothy
June 28, 2025
Verified Review
State Farm for the average person
My agent is exceptional!
James
June 28, 2025
Verified Review
I wouldn't recommend them because they keep raising rates with every birthday. My car used to cost around $300 every 6 months, now it is over $500 in just 4 years. No claims have been made and no tickets or DUIs, just rate increases.
I wouldn't recommend them because they keep raising rates with every birthday. My car used to cost around $300 every 6 months, now it is over $500 in just 4 years. No claims have been made and no tickets or DUIs, just rate increases.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm auto insurance offers comprehensive coverage options designed to meet the diverse needs of drivers. Its offerings include liability insurance, collision and comprehensive coverage, medical payments coverage, uninsured/underinsured motorist protection, and more. State Farm also provides additional coverage, such as rental car reimbursement and roadside assistance. With a wide network of agents, State Farm ensures personalized service and support.
Pros
Variety of available discounts
Above-average J.D. Power customer satisfaction rating in Central region
Cons
Gap coverage not available
Low Trustpilot rating
Best insurance for military members and veterans: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| 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. | $35/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. | $76/mo |
4.9
Best choiceBased on 2,100 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,192)
John
June 17, 2025
Verified Review
USAA Critique
High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.
Marlon
June 15, 2025
Verified Review
Don't let them hook you
Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.
Timothy
June 10, 2025
Verified Review
The Old Bait and Switch
There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA offers competitive rates and discounts for safe driving, bundling policies, and military affiliation — which can make it easier for military personnel and veterans to save on car insurance. USAA’s auto insurance includes features like roadside assistance, rental reimbursement, and flexible payment options. Overall, USAA offers reliable coverage tailored to the needs of military members and their families.
Pros
Many potential discounts
Roadside assistance available
Cons
Coverage only available to military members, veterans, and their family members
Gap coverage not available
Best liability-only insurance: Allstate
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| 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. | $38/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. | $84/mo |
3.9
A solid optionBased on 6,847 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,653)
David
June 28, 2025
Verified Review
Insurance
It's hard to get a hold of an agent. Agencies switched, resulting in a lot of back-and-forth phone calls.
Leeland
June 26, 2025
Verified Review
Frustrating
Don't use this company. A fire in California will raise your rates even if you don't live there.
Hope
June 25, 2025
Verified Review
Good
It's been fine until the rates went up without notification.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate has some of the lowest average premiums for liability insurance in the city. Drivers who don’t need a lot of coverage can find savings with Allstate. Plus, drivers may be able to find even more savings with Allstate’s DriveWise app, which measures driving habits, has crash detection, and encourages users to drive safer. Allstate will also apply a policy credit every six months for participating in the program.
Pros
Range of available discounts
Below-average J.D. Power customer satisfaction ratings in Central region
Cons
Not accredited by the Better Business Bureau (BBB)
Negative Trustpilot reviews
How to get the cheapest car insurance in Stillwater
It takes time to find cheap rates, so you should expect to spend some time in the insurance-shopping process.
“It pays to shop your coverage to compare costs and coverages,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute. “You can find significant price differences between companies and potentially save hundreds of dollars based on the insurer you choose. When shopping for coverage, we recommend getting at least three quotes and finding out what kinds of discounts each insurer offers.”
Keep in mind the best ways to find affordable car insurance when shopping insurers in Stillwater:
Research different insurance companies. Shop around using a comparison site like Insurify and compare quotes from multiple insurance companies to find the best rate tailored to your needs.
Bundle your policies. Maximize your savings potential by inquiring about multi-policy discounts when bundling your auto policy with other insurance products like renters insurance, home insurance, or umbrella policies.
Drive safely. Maintain a clean driving record by obeying traffic laws and avoiding accidents and violations, as this can help keep your insurance rates affordable.
Choose a higher deductible. Raising your deductible typically results in lower premiums. Just make sure you can afford the out-of-pocket cost if you ever file a claim.
Ask for discounts. Don’t forget to ask about available discounts you may qualify for. Common discounts include vehicle safety features, anti-lock brakes, good driving, good grades, and defensive driving education courses.
Cheapest liability-only car insurance in Stillwater: State Farm
Liability insurance is a type of coverage that provides financial protection for damages or injuries you cause to other drivers and passengers in a car accident. It doesn’t cover repairs to your own vehicle or your medical bills. This type of insurance meets Oklahoma’s state-minimum requirements for car insurance and pays for the other party’s medical expenses and property damage up to your policy’s limits.
Stillwater residents can find the cheapest liability coverage from State Farm for $28 per month.
Here are the cheapest average liability-only car insurance quotes in Stillwater, Oklahoma.
The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $28 |
| USAA | $35 |
| Allstate | $38 |
| GEICO | $56 |
| Mercury | $58 |
| Farmers | $59 |
| Root | $68 |
| Progressive | $71 |
| National General | $73 |
| CSAA | $78 |
| Safeco | $81 |
| Clearcover | $82 |
| Shelter | $82 |
| Direct Auto | $84 |
| The General | $91 |
| GAINSCO | $107 |
| Bristol West | $120 |
| Foremost | $138 |
| Liberty Mutual | $187 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Liability Rates in Stillwater
Cheapest rates starting at $28/month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest full-coverage car insurance in Stillwater: State Farm
Liability-only car insurance safeguards against damages and injuries you cause to others while excluding coverage for your own vehicle. Full-coverage car insurance extends beyond liability, encompassing protection for damages to your car.
Full-coverage insurance is a good idea for drivers with valuable cars, people living in areas with high accident rates or theft incidents, or anyone seeking comprehensive coverage for both personal and third-party damages.
State Farm has the cheapest full-coverage insurance in Stillwater for $62
This table breaks down which Stillwater auto insurance companies offer the cheapest average full-coverage quotes.
The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $62 |
| USAA | $76 |
| Allstate | $84 |
| GEICO | $122 |
| Farmers | $129 |
| Root | $132 |
| Progressive | $135 |
| Mercury | $137 |
| CSAA | $145 |
| National General | $162 |
| Direct Auto | $164 |
| Safeco | $167 |
| Clearcover | $173 |
| Shelter | $182 |
| The General | $192 |
| GAINSCO | $269 |
| Bristol West | $277 |
| Foremost | $284 |
| Liberty Mutual | $289 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 Stillwater, Oklahoma
Recent Stillwater, Oklahoma car insurance prices for Hyundai, Mercedes Benz, Ford , and more.
*Quotes generated for Insurify users in and around Stillwater, Oklahoma within the last 10 days. Last updated on June 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Stillwater, Oklahoma within the last 10 days. Last updated on June 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Oklahoma
To meet Oklahoma state law, drivers must meet the minimum car insurance requirements the state establishes. Oklahoma’s minimum liability insurance is 25/50/25, which translates to the following coverages:[3]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $25,000 per accident |
Liability insurance is the bare-minimum coverage you can purchase to drive in Oklahoma. Because it doesn’t offer coverage for your own vehicle damages or injuries, drivers should consider additional coverages to add to their auto policies. In addition to bodily injury and property damage liability coverage, you can also buy these optional coverages for peace of mind:
Collision coverage
Collision coverage pays for damages to your vehicle resulting from a collision with another vehicle or object, even if you’re at fault.
Comprehensive coverage
Comprehensive coverage pays for non-collision incidents, like theft, vandalism, fire, falling objects, or natural disasters.
Personal injury protection (PIP) coverage
Personal injury protection (PIP) covers medical expenses and bills for you and your passengers in an accident, regardless of fault.
Glass coverage
Glass coverage includes protection for windshield and other glass damages, such as side windows, rear windows, and glass sunroofs, sometimes with no deductible.
Gap coverage
If you finance or lease your car, gap insurance covers the difference between what’s left on your auto loan and the insurance settlement after a total loss.
)
Learn More: How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
If you’re a driver who has experienced incidents such as at-fault accidents, speeding tickets, driving under the influence (DUI) convictions, or other moving violations, finding budget-friendly car insurance is essential. Keep in mind that incidents often lead to higher rates because they indicate a higher probability of future claims.[4]
If you have any minor or major violations on your driving record, here’s what you need to know about how it can affect your car insurance premiums in Stillwater.
Find Car Insurance in Stillwater
Rates for drivers with an incident averaging at $144/month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
If you have a speeding ticket on your record, you can expect your auto insurance premiums to be higher than if you have a clean driving record, even if you didn’t cause a car accident. Speeding is a risky behavior and was a factor in 29% of all car accident fatalities in 2021.[5] To offset this risk, insurance companies charge higher rates to drivers with speeding tickets.
On average, Stillwater residents with a speeding ticket pay $218 per month for full-coverage insurance, and $94 per month for liability-only coverage.
Here’s a look at the average monthly quotes for the cheapest Stillwater insurance companies for drivers with a speeding ticket.
The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $34 | $75 |
| USAA | $43 | $93 |
| Allstate | $46 | $102 |
| GEICO | $68 | $149 |
| Farmers | $72 | $158 |
| Mercury | $77 | $182 |
| Progressive | $87 | $165 |
| National General | $89 | $197 |
| Root | $89 | $172 |
| CSAA | $96 | $179 |
| Safeco | $102 | $210 |
| Direct Auto | $103 | $201 |
| Clearcover | $104 | $219 |
| Shelter | $105 | $233 |
| The General | $117 | $247 |
| GAINSCO | $125 | $313 |
| Bristol West | $148 | $342 |
| Liberty Mutual | $235 | $363 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Payne County, where Stillwater is located, reported a little more than 1,100 car crashes in 2020.[6] Having an at-fault accident on your driving record can lead to increased auto insurance rates. Insurance companies raise rates to mitigate potential losses from future accidents.[4]
But, drivers with an accident on their record can still find affordable liability rates from State Farm for $35 per month.
If you have an at-fault accident on your record, consult the table below for the average quotes from the cheapest car insurance companies in Stillwater.
The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $35 | $78 |
| USAA | $44 | $97 |
| Allstate | $48 | $106 |
| GEICO | $71 | $155 |
| Farmers | $75 | $164 |
| Mercury | $81 | $192 |
| Root | $89 | $172 |
| Progressive | $92 | $176 |
| National General | $92 | $204 |
| CSAA | $105 | $196 |
| Shelter | $107 | $238 |
| Safeco | $108 | $224 |
| Direct Auto | $110 | $214 |
| Clearcover | $117 | $247 |
| The General | $120 | $254 |
| GAINSCO | $132 | $332 |
| Bristol West | $153 | $353 |
| Liberty Mutual | $242 | $373 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
DUIs are major violations and lead to significantly higher car insurance premiums. Car insurance companies see a history of DUIs as a significant risk to them financially and increase rates accordingly.
On average, drivers with a DUI pay $124 per month for liability coverage, and $287 for full coverage in Stillwater
If you have a DUI on your record, State Farm offers the cheapest rates in Stillwater, but review this table to help find more affordable companies.
The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $43 | $96 |
| USAA | $54 | $117 |
| Allstate | $59 | $129 |
| GEICO | $90 | $196 |
| Mercury | $91 | $214 |
| Farmers | $91 | $199 |
| Root | $105 | $203 |
| Progressive | $109 | $208 |
| National General | $112 | $250 |
| CSAA | $120 | $223 |
| Clearcover | $126 | $267 |
| Shelter | $126 | $280 |
| Safeco | $129 | $267 |
| Direct Auto | $129 | $253 |
| The General | $140 | $296 |
| GAINSCO | $165 | $414 |
| Bristol West | $185 | $427 |
| Liberty Mutual | $288 | $445 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Age is a key factor that auto insurers use in determining car insurance rates. Rates typically decrease around age 35 as drivers accumulate more experience. Nevertheless, around age 70, premiums may increase slightly due to factors such as potential health issues and higher accident risks.[7]
State Farm offers the cheapest rates for seniors at $22 per month.
The table below shows the insurers with the cheapest quotes for senior drivers in Stillwater.
The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $22 | $48 |
| USAA | $28 | $61 |
| Allstate | $30 | $67 |
| Farmers | $46 | $101 |
| GEICO | $47 | $102 |
| Mercury | $47 | $112 |
| Progressive | $51 | $98 |
| National General | $56 | $124 |
| Root | $57 | $111 |
| Shelter | $60 | $133 |
| CSAA | $61 | $113 |
| Direct Auto | $65 | $128 |
| Safeco | $70 | $144 |
| Clearcover | $71 | $150 |
| The General | $73 | $153 |
| GAINSCO | $88 | $222 |
| Bristol West | $97 | $224 |
| Liberty Mutual | $155 | $240 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teenagers and young adults often face significantly higher rates compared to older drivers due to their limited driving experience and increased risk factors. As a teen, one way to secure cheap car insurance in Stillwater is by remaining on a parent’s insurance policy, as it typically results in more favorable rates. Moreover, selecting a safe and reliable vehicle with good safety features and maintaining good grades to qualify for a good student discount can further help you find affordable rates.
Stillwater teens can find the most affordable coverage from State Farm for $55 per month.
Here are the cheapest average car insurance quotes for teen drivers in Stillwater.
The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $55 | $122 |
| USAA | $67 | $145 |
| Allstate | $78 | $172 |
| GEICO | $114 | $248 |
| Mercury | $114 | $269 |
| Farmers | $116 | $255 |
| Root | $122 | $237 |
| Progressive | $137 | $261 |
| CSAA | $141 | $262 |
| Clearcover | $155 | $327 |
| National General | $156 | $345 |
| The General | $164 | $345 |
| Shelter | $164 | $364 |
| Safeco | $173 | $357 |
| Direct Auto | $173 | $338 |
| GAINSCO | $210 | $527 |
| Bristol West | $226 | $522 |
| Liberty Mutual | $353 | $546 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Stillwater
Compare rates from 120+ top insurers
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Stillwater car insurance quotes by credit tier
While some states don’t allow insurance companies to use credit history to determine premiums, insurers in Oklahoma can. Having a poor credit can indicate to insurance companies that you’re more likely to file a claim and as a result, they may charge a higher premium. If you have an excellent or good credit, you may pay lower rates.
Here’s how average car insurance rates in Stillwater rise as credit scores go down.
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.
Is car insurance more expensive in Stillwater?
The average cost of full-coverage car insurance in the Oklahoma is $133, which similar to the average rate in Stillwater of $128. However, car insurance rates can vary significantly from one city to another in Oklahoma because of different factors in ZIP code, like weather conditions, crime rates, and traffic congestion.[8]
More cities in Oklahoma
To get a better idea of how car insurance rates can vary by city and ZIP code in Oklahoma, here’s how the average monthly rate for car insurance in Stillwater compares to other Oklahoma cities.
City | Full Coverage | Liability Only |
|---|---|---|
| Ardmore | $178 | $76 |
| Enid | $147 | $72 |
| Lawton | $166 | $80 |
| Muskogee | $151 | $79 |
| Norman | $176 | $91 |
| Oklahoma City | $204 | $103 |
| Tulsa | $191 | $100 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Stillwater car insurance FAQs
Understanding how much it costs to own a vehicle can give you important insights during your car insurance search. Insurify also answers frequently asked questions about auto insurance in Stillwater.
How much is car insurance in Stillwater?
The average cost of car insurance in Stillwater is $178 a month for full coverage and $77 a month for liability-only insurance.
What are the best car insurance companies in Stillwater?
The best car insurance companies in Stillwater include Allstate, State Farm, and USAA. These insurers have comparatively cheap rates, solid financial strength ratings from AM Best, and high Insurify Quality Scores, which indicate high-quality customer service. But the best insurance company depends on your specific needs and budget, so you should always request quotes from different companies, compare rates, and choose an option tailored to you.
Is Oklahoma a no-fault state?
No. Oklahoma is not a no-fault state. Instead, it follows a fault-based system in which the driver responsible for the accident pays for the damages and injuries of the involved parties.[9]
Why is car insurance in Oklahoma expensive?
Drivers in Oklahoma pay near-average car insurance rates compared to the national average, according to Insurify data. Car insurance in Oklahoma may be expensive because it has experienced hundreds of recorded tornadoes since the 1950s, and insurance companies increase rates to offset the risk of storm damage from these severe weather incidents.[10]
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 500+ 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
- 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.
Related articles
)
Cheap Car Insurance Quotes in Oklahoma Starting at $42
June 30, 2025
)
Best Car Insurance in Oklahoma
June 29, 2025
Car Insurance Requirements in Oklahoma
June 30, 2025
)
Gap Insurance in Oklahoma
June 30, 2025
Average Car Insurance Cost in Oklahoma
March 26, 2025
)
A Guide to New-Car Insurance
June 30, 2025
)
6-Month vs. 12-Month Car Insurance Policies
June 30, 2025
)
Commercial Auto Insurance for Small Businesses
March 7, 2025
)
Cheapest Car Insurance Quotes in Muskogee, OK,
June 30, 2025
)
Cheapest Car Insurance Quotes in Ponca City, OK
June 30, 2025
)
Cheap Car Insurance in Tulsa, OK, Starting at $32
June 30, 2025
)
Cheapest Car Insurance Quotes in Norman, OK,
June 30, 2025
)
Cheap Car Insurance in Oklahoma City, OK, Starting at $33
June 30, 2025
)
Cheap Car Insurance in Enid, OK, Starting at $24
June 30, 2025
)
Cheap Car Insurance in Lawton, OK, Starting at $27
June 30, 2025
Cheapest Car Insurance Quotes in Bartlesville, OK
June 30, 2025
Sources
- U.S. Census Bureau. "QuickFacts: Stillwater city, Oklahoma."
- Oklahoma State University. "Fast Facts."
- Oklahoma Insurance Department. "Auto Insurance: Common Myths."
- III. "Do auto insurance premiums go up after a claim?."
- NHTSA. "Speeding and Aggressive Driving Prevention."
- Oklahoma Department of Public Safety. "2020 Oklahoma Crash Facts."
- III. "Senior driving safety and insurance tips."
- III. "What determines the price of an auto insurance policy?."
- Nolo. "Oklahoma Auto Insurance Laws and Requirements."
- National Weather Service. "Oklahoma Historic Tornado Data Web Pages by County."
)
Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in