13+ years writing insurance and personal finance content
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Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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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 $130 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 $174 per month, and liability insurance costs $85 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
$63
$35
Full coverage
USAA
9.4
$79
$44
Military community
Allstate
8.9
$87
$49
Liability coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 28,000 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.
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.
$32/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.
$58/mo
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
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
…
Best insurance for military members and veterans: USAA
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.
9.4/10
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.
$41/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.
$73/mo
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
A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.
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.
$45/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.
$80/mo
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)
Extreme Increase without Warning for Veteran and Professional Driver
There was no warning or reason for the extreme increase in price within one year. There was no warning, no options to change to, and no contact from anyone. Just a new bill with a huge increase. As a veteran and a professional driver who takes the defensive driver's course every year, there is absolutely no reason for the increase.
Justo - July 24, 2024
Verified
Unreasonable Price
To me, everything is okay with Allstate except for the price of coverage.
Debra - July 24, 2024
Verified
Your prices are way too high. You need to cut it
I think your coverage for a single vehicle policy is too high.
…
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 $32 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, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$32
USAA
$41
Allstate
$45
Mercury
$53
Safeco
$62
GEICO
$65
Farmers
$69
Progressive
$70
National General
$72
Clearcover
$73
CSAA
$78
Direct Auto
$83
Liberty Mutual
$86
Midvale Home & Auto
$89
GAINSCO
$96
Shelter
$97
The General
$97
Hallmark
$108
Foremost
$125
Bristol West
$133
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $32/month
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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 $58
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, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$58
USAA
$73
Allstate
$80
Mercury
$104
GEICO
$116
Farmers
$124
Progressive
$128
Safeco
$141
Direct Auto
$148
National General
$148
Clearcover
$150
CSAA
$164
Shelter
$173
Midvale Home & Auto
$195
The General
$208
Liberty Mutual
$217
GAINSCO
$232
Hallmark
$247
Foremost
$263
Bristol West
$282
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. 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 coveragepays for damages to your vehicle resulting from a collision with another vehicle or object, even if you’re at fault.
Comprehensive coverage
Comprehensive coveragepays 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 coverageincludes 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.
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 $177/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 $260 per month for full-coverage insurance, and $127 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, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
$42
$77
USAA
$55
$97
Allstate
$60
$106
Mercury
$76
$148
Safeco
$84
$191
GEICO
$87
$155
Farmers
$91
$164
Progressive
$94
$171
National General
$96
$197
Clearcover
$98
$202
CSAA
$106
$224
Direct Auto
$111
$198
Midvale Home & Auto
$123
$269
Liberty Mutual
$125
$316
The General
$131
$280
Shelter
$135
$240
GAINSCO
$140
$338
Hallmark
$144
$329
Bristol West
$176
$374
Foremost
$182
$383
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $44 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, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
$44
$80
USAA
$57
$101
Allstate
$62
$111
Mercury
$78
$153
Safeco
$84
$190
GEICO
$90
$161
Farmers
$95
$171
Progressive
$98
$180
National General
$100
$207
Clearcover
$108
$221
CSAA
$113
$237
Direct Auto
$117
$209
GAINSCO
$128
$310
Liberty Mutual
$129
$327
Midvale Home & Auto
$130
$286
The General
$137
$293
Shelter
$140
$249
Hallmark
$144
$330
Bristol West
$182
$386
Foremost
$188
$396
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $147 per month for liability coverage, and $300 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, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
$55
$99
USAA
$70
$124
Allstate
$77
$136
Mercury
$82
$160
Safeco
$106
$240
GEICO
$111
$198
Farmers
$118
$211
Progressive
$119
$218
National General
$123
$252
Clearcover
$124
$256
CSAA
$133
$280
Direct Auto
$141
$252
Liberty Mutual
$147
$370
Midvale Home & Auto
$152
$332
GAINSCO
$164
$395
Shelter
$165
$295
The General
$165
$355
Hallmark
$184
$421
Foremost
$213
$448
Bristol West
$227
$481
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $23 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, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
$23
$43
USAA
$31
$55
Allstate
$34
$61
Mercury
$38
$74
Progressive
$47
$86
Safeco
$48
$109
GEICO
$49
$87
Farmers
$51
$91
National General
$53
$109
Clearcover
$55
$114
CSAA
$57
$120
Direct Auto
$61
$108
Midvale Home & Auto
$64
$141
Shelter
$64
$114
Liberty Mutual
$65
$165
GAINSCO
$75
$182
The General
$75
$160
Hallmark
$78
$178
Foremost
$92
$194
Bristol West
$101
$213
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $57 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, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
$57
$103
USAA
$71
$127
Allstate
$82
$147
Mercury
$100
$197
GEICO
$108
$192
Farmers
$127
$228
Progressive
$132
$241
Safeco
$133
$303
CSAA
$134
$281
National General
$145
$297
Clearcover
$147
$303
Direct Auto
$158
$281
Midvale Home & Auto
$160
$352
The General
$164
$352
Liberty Mutual
$165
$416
Shelter
$174
$311
GAINSCO
$178
$429
Hallmark
$200
$456
Foremost
$232
$487
Bristol West
$237
$502
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 100+ top insurers
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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 $141, which similar to the average rate in Stillwater of $130. 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.
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.
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 $174 a month for full coverage and $85 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
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.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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