Cheapest Auto Insurance in Bartlesville, Oklahoma (2024)

State Farm is the cheapest car insurance company in Bartlesville, with monthly liability rates as low as $26.

Jess Ullrich
Escrito porJess Ullrich
Jess Ullrich
Jess UllrichInsurance Writer
  • Más de 10 años escribiendo sobre seguros y finanzas personales

  • Ex editora asociada de finanzas de Investopedia

Jess es experta en seguros, banca y otros temas de finanzas personales. Sus artículos han aparecido en numerosos medios de comunicación web, como Investopedia.

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Ashley Cox
Editado porAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxManaging Editor

Ashley is an experienced personal finance editor who has edited a variety of digital content over the years, including credit cards, insurance, mortgages, personal loans, student loans, and more. She is passionate about helping people learn more about personal finance so that they can empower themselves and achieve their financial goals.

Ashley began her career as a journalist, working as a reporter and editor for print and broadcast news outlets. She also has a background in corporate retail communications, where she focused on web content and marketing communications development. Before joining Insurify, Ashley worked as a senior editor at Credible and a copy editor at Credit Karma.

When she’s not editing, Ashley volunteers with the local Humane Society, takes trapeze classes (where she daydreams about running away and joining the circus), and hikes the beautiful mountains of Western North Carolina.

Ashley earned a bachelor’s degree in journalism and mass communication from Samford University.

Actualizado el 2 de mayo de 2024

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Las tarifas más baratas encontradas recientemente en Oklahoma

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $33/mes para solo responsabilidad y $63/mes para cobertura total en Oklahoma.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

Bartlesville is known as a cultural hub in Oklahoma, offering museums, festivals, and a vibrant downtown area.

Auto insurance in this small city is around $121 per month, on average. To put that figure in perspective, Oklahomans pay an average of $146 per month, while drivers in the U.S. pay an average of $159 per month. Bartlesville’s population of less than 38,000 could contribute to its lower car insurance costs. Fewer cars on the road mean a lower risk of accidents and car insurance claims.

Here’s what you should know about comparing quotes and finding affordable car insurance coverage in Bartlesville.

Datos Breves
  • Bartlesville drivers pay an average of $76 per month for liability coverage and $165 per month for full coverage.

  • State Farm, USAA, and Allstate have the cheapest car insurance in Bartlesville.

  • Full-coverage car insurance in Bartlesville costs an average of $1,977 per year.

3 of the cheapest car insurance companies in Bartlesville 

If you’re a Bartlesville driver shopping for affordable car insurance, State Farm, USAA, and Allstate offer the cheapest policies on average. 

While these companies are a good starting point if you’re seeking a new car insurance policy, the cost of your coverage will depend on your driving record, age, gender, and other factors.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
State Farm4.5$63$33Cheap coverage
USAA4.5$78$41Veterans
Allstate4.2$86$45Discounts
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
  • El puntaje compuesto de Insurify (ICS) es una marca propietaria calculada por nuestro equipo de analistas, que se basa en múltiples factores que reflejan la calidad, la fiabilidad, y la salud financiera de una compañía de seguros.

    Los factores de entrada a la puntuación se incluyen en el puntaje de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntajes de J.D. Power; encuestas de satisfacción de los consumidores de Consumer Reports y de reclamaciones de los consumidores; opiniones de los usuarios sobre la aplicación móvil; y opiniones de los usuarios sobre la compañía.

Best insurer for cheap coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$26/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.
$49/mo

State Farm offers some of the cheapest car insurance coverage in Bartlesville, so it’s a good option if your top priority is saving money on your auto policy. In addition to affordable coverage, State Farm offers a series of discounts that could further lower your insurance rates. Bartlesville drivers can get several discounts for safe driving, vehicle safety features, and bundling policies.

Ventajas
  • Affordable rates

  • Several available discounts

Contras
  • Discounts vary by state

  • Doesn’t offer gap insurance

Read our State Farm review
Walters - April 25, 2024
Verified

Good

I had a good relationship with them until my bank messed up. I didn't receive the cancellation notice until it was already too late.

Wanda Carole - April 22, 2024
Verified

Excellent

Check out other companies and their rates before making a decision.

Perry - April 22, 2024
Verified

Pricing

Be careful of the price quoted. It can change.

Best insurer for veterans: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$33/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.
$61/mo

Oklahoma is home to eight military installations, and Bartlesville itself is home to 2,213 veterans.[1] This financial services company specializes in offering insurance, banking, and investing products to current and former military members. Its insurance products include auto, homeowners insurance, renters insurance, small-business insurance, life insurance, and more.

The company also offers many discounts, including up to 30% off if you enroll in the USAA Safepilot program and maintain safe driving habits.

Ventajas
  • Offers low rates

  • Many available discounts

Contras
  • Only available to military members, veterans, and eligible family members

  • Doesn’t offer gap insurance

Read our USAA review
Bill - April 22, 2024
Verified

Reluctant Switcher

Excellent, very positive! I only switched to consolidate our farm property insurance together with auto policies.

Marvin - April 21, 2024
Verified

Excellent

So far, so good.

Robert - April 19, 2024
Verified

USAA is the finest. Period.

I've been a member for over 50 years, and have always been pleased with the service. It's a first-class organization.

Best insurer for discounts: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$36/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.
$67/mo

While Allstate’s premiums are slightly higher on average than State Farm and USAA, this insurer also offers a broader range of discounts. You can get the best deal by bundling your coverage, insuring multiple vehicles, driving a new vehicle, or having specific safety and security features in your car.

Ventajas
  • Auto policies are relatively inexpensive

  • More discounts than many competitors

Contras
  • Not the cheapest coverage available

  • Mixed customer reviews on Trustpilot

Read our Allstate review
Carolyn - April 24, 2024
Verified

Change in Agency, Considering Switch

I've been with Allstate at the Welsh agency for the past 5 years and the service has been very good. However, since the retirement of my agent, I haven't had the same personal experience with the Carlisle agency and am considering switching to another company.

James - April 23, 2024
Verified

Recommend Allstate

Other than continually raising my rate, I consider them very good.

James - April 22, 2024
Verified

Good

Very good but expensive.

How to get the cheapest car insurance in Bartlesville

If you’re in the market for a new car insurance policy, it can help to understand the things car insurance companies consider when determining your rates. Your insurer will take your driving record, gender, age, vehicle, credit score, and more into account.

But you can take some steps to lower your insurance costs:[2]

  • Improve your credit. Excellent credit benefits you in many ways, including reducing your insurance costs. If you’re planning to get a new auto policy, improving your credit could boost your savings.

  • Shop around. Car insurance premiums and exclusions vary by company, which is why it’s important to shop around for new coverage. Consider working with insurance agencies or brokers or getting quotes from multiple insurers on your own to find the cheapest option.

  • Opt for a safe vehicle. Many auto insurance companies offer discounts if you drive a safe vehicle and have certain security features, such as a car alarm or anti-lock brakes.

Find Cheap Car Insurance in Bartlesville

Minimum-coverage rates start at $26 per month

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Cheapest liability-only car insurance in Bartlesville: State Farm

Liability-only insurance is bare-bones coverage that meets state-minimum requirements and pays for others’ injuries and damages if you’re at fault in an accident. But it doesn’t pay for your injuries and damages.

Drivers in Bartlesville pay an average of $76 per month for liability coverage. 

Here are some top companies in the insurance industry offering affordable liability-only coverage.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7
Insurance CompanyAverage Monthly Quote
State Farm26
USAA33
Allstate36
Safeco46
GEICO52
Farmers55
Mercury55
Clearcover60
Progressive62
National General65
Liberty Mutual73
CSAA74
Direct Auto77
Shelter78
GAINSCO83
Midvale Home & Auto83
The General86
Hallmark92
Foremost99
Bristol West120
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest full-coverage car insurance in Bartlesville: State Farm

Full-coverage auto insurance provides more protection than liability-only coverage. Drivers with full coverage typically have liability, collision, and comprehensive coverage. Collision insurance pays for damage to your car after an accident, while comprehensive insurance pays for your car repairs or personal property if they’re damaged due to an incident other than a collision, such as vandalism, theft, or hitting an animal.

Full-coverage insurance in Bartlesville costs an average of $165 per month. Below are the most affordable full-coverage car insurance policies in the city.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7
Insurance CompanyAverage Monthly Quote
State Farm49
USAA61
Allstate67
GEICO97
Clearcover103
Farmers103
Mercury107
Safeco116
Progressive117
Direct Auto123
National General132
Shelter145
CSAA156
Midvale Home & Auto165
The General182
Liberty Mutual185
GAINSCO190
Hallmark199
Foremost212
Bristol West245
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Estimate your Bartlesville car insurance costs

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Car insurance requirements in Oklahoma

Oklahoma requires drivers to carry a minimum amount of liability coverage. You’ll need both bodily injury and property damage liability insurance. Oklahoma is an at-fault state, meaning you’ll be responsible for paying for damage to another driver’s vehicle or their injuries if you cause an accident.

The state requires the following minimum-coverage amounts:[3]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000

But minimum coverage may not be enough protection if you’re involved in a motor vehicle accident. Additional coverage could be beneficial. Non-required coverage options include:

  • illustration card https://a.storyblok.com/f/162273/x/c1984b0bb9/safety.svg

    Medical payments coverage

    Medical payments insurance covers medical bills for you and your passengers if you’re hurt in a car accident. It can also cover funeral costs.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage protects you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have sufficient insurance to pay for your damages.

Cheapest car insurance for drivers with an incident

If you have a past incident on your driving record, your insurance company may charge you higher car insurance premiums. Incidents could include at-fault accidents, driving under the influence charges, speeding tickets, and other moving violations. These make you a higher risk to insure, so your insurer makes up for this risk by increasing your premiums. 

The table below shows how your liability-only rates can change if you have an incident on your driving record.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
State Farm26343643
USAA33444654
Allstate36485059
Safeco46666976
GEICO52697285
Farmers55737690
Mercury55848792
Clearcover60869899
Progressive628589102
National General658792107
Liberty Mutual73104108120
CSAA74102109122
Direct Auto77105110127
Shelter78114118121
GAINSCO83108113136
The General86119123141
Bristol West120163167197
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Average cost of car insurance by age

In general, car insurance rates dip in your 30s and start increasing for senior drivers in their 70s. Bartlesville drivers in their 60s get the best rates, on average, followed by those in their 50s.

The highest rates are reserved for new drivers due to their inexperience behind the wheel. Insurance companies typically view teen drivers as a higher risk to insure because they’re statistically more likely to be involved in a car accident.[4]

Here’s a look at average insurance costs by age in Bartlesville.

AgeAverage Monthly Quote
Teens$297
20s$206
30s$153
40s$139
50s$124
60s$120
70s$128
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Shop for Car Insurance in Bartlesville, OK

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Bartlesville car insurance quotes by credit tier

Insurers can factor in your credit history when setting insurance rates in Oklahoma. Companies may deem drivers with poor credit scores as riskier to insure, while they consider drivers with excellent credit a lower risk.

The chart below shows how your credit could affect your insurance rates as a Bartlesville driver.

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.

Bartlesville car insurance FAQs

If you’re shopping for car insurance in Bartlesville, Oklahoma, this additional information may help as you research your coverage options.

  • How much is car insurance in Bartlesville?

    Car insurance in Bartlesville costs an average of $76 per month for liability coverage and $165 per month for full coverage, according to Insurify data.

  • Which companies have the cheapest car insurance in Bartlesville?

    State Farm has the cheapest car insurance in Bartlesville, with monthly liability rates of $26. You can also find affordable coverage from USAA and Allstate, which have monthly liability rates of $33 and $36, respectively.

    But the cheapest insurer for you will depend on multiple factors, such as your age, gender, ZIP code, type of car you drive, and more.

  • What are the best car insurance companies in Bartlesville?

    State Farm is one of the best car insurance companies in Bartlesville. It has an IQ Score of 4.5 out of 5, an A++ (Superior) financial strength rating from AM Best, and above-average J.D. Power customer satisfaction ratings.

    Other top insurers in the city include Allstate and USAA.

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

Sources

  1. U.S. Census Bureau. "QuickFacts Bartlesville City, Oklahoma."
  2. Insurance Information Institute. "How to save money on car insurance."
  3. Oklahoma Insurance Department. "A Guide to Dealing With Auto Insurance & Accidents."
  4. Insurance Institute for Highway Safety. "Teenagers."
Jess Ullrich
Jess UllrichInsurance Writer

Jess es una escritora de finanzas personales que lleva más de una década creando contenidos financieros y empresariales. Su trabajo se ha publicado en Investopedia, MoneyWise, NextAdvisor, The HuffPost entre otros. Antes de trabajar haciendo freelance a tiempo completo, Jess fue editora en Investopedia, The Balance y FinanceBuzz. Conéctase con ella en LinkedIn

Ashley Cox
Editado porAshley CoxManaging Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxManaging Editor

Ashley is an experienced personal finance editor who has edited a variety of digital content over the years, including credit cards, insurance, mortgages, personal loans, student loans, and more. She is passionate about helping people learn more about personal finance so that they can empower themselves and achieve their financial goals.

Ashley began her career as a journalist, working as a reporter and editor for print and broadcast news outlets. She also has a background in corporate retail communications, where she focused on web content and marketing communications development. Before joining Insurify, Ashley worked as a senior editor at Credible and a copy editor at Credit Karma.

When she’s not editing, Ashley volunteers with the local Humane Society, takes trapeze classes (where she daydreams about running away and joining the circus), and hikes the beautiful mountains of Western North Carolina.

Ashley earned a bachelor’s degree in journalism and mass communication from Samford University.

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