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Cheapest Auto Insurance in Enid, Oklahoma (2024)

State Farm offers the cheapest car insurance in Enid, with minimum-coverage policies as low as $27 per month.

Ashley Cox
Editado porAshley Cox
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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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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.

Drivers in Enid, Oklahoma, pay an overall average of $126 per month for car insurance, which is lower than the overall state average of $146 and the overall national average of $159.

Local factors like vehicle crime, traffic, and weather can all affect how likely a driver is to file an insurance claim, which influences their rates. Oklahoma is notorious for experiencing very damaging tornadoes, which can lead to a lot of expensive car insurance claims.

Here’s what you should know about comparing car insurance rates to help you save a little money on your car insurance in Enid.

Datos Breves

  • Enid drivers pay an average of $78 per month for liability coverage and $175 per month for full coverage.

  • State Farm, USAA, and Allstate offer the cheapest car insurance policies in Enid.

  • Full-coverage car insurance costs Enid drivers an average of $2,103 per year.

3 of the cheapest car insurance companies in Enid

To find cheap car insurance in Enid, it helps to narrow your search to insurers that are known for offering a great product and service while also keeping their rates low. The auto insurance company that’s best for you depends on your unique needs, so it’s important to shop around and compare your options.

Here’s a closer look at three of the cheapest car insurance companies in Enid.

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 rates
USAA4.5$78$41Military members and their families
Allstate4.2$86$45Safe drivers
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 rates: 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.
$27/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.
$51/mo

State Farm offers some of the most affordable auto insurance premiums in Enid and makes it possible to save even more money thanks to the wide variety of discounts. You may be able to qualify for discounts by doing things like earning good grades if you’re a student or completing a defensive driver course.

Be sure to ask a State Farm insurance agent about what discounts you may qualify for.

Ventajas

  • Many available discounts

  • High ranking in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study

Contras

  • Policies not available online

  • Gap insurance not available

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 military members and their families: 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.
$34/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.
$63/mo

USAA offers insurance services and competitive rates to military members, veterans, and their families. Nearly 3,100 Enid residents are veterans, so this company could suit the needs of many Enid families.

Ventajas

  • AM Best financial strength rating of A++ (Superior)

  • Specialized discounts for the military community

Contras

  • Gap insurance not available

  • Limited eligibility

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 safe drivers: 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.
$37/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.
$70/mo

In Enid, there were 74 car accidents in 2021. If you’re a safe driver, you can save a lot with Allstate thanks to its DriveWise app. Using this app can lead to discounts if you practice safe driving habits. It can also help out in dangerous situations by automatically alerting authorities if it detects that you’ve been in an accident.

Ventajas

  • Offer classic car coverage and Mexico car insurance

  • Variety of available discounts

Contras

  • Negative customer reviews on Trustpilot

  • Below-average J.D. Power customer satisfaction rating in the Central region

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 Enid

When shopping around for the lowest car insurance rates in Enid, consider these tips to help you find a good rate:[1]

  • Compare quotes. Obtain quotes from at least three insurers to help you identify the most affordable rates.

  • Bundle policies. If an insurer offers more than just car insurance, consider combining your auto insurance with other policies like business insurance, life insurance, renters insurance, or home insurance. Many insurers offer a discount for bundling policies.

  • Maintain a clean driving record. Having a history of safe driving on your record can keep premium prices low, so driving safely can pay off.

  • Adjust coverage. Each year before renewing your auto insurance policy or looking for a new one, it’s a good idea to reassess your coverage needs. You may be able to lower your coverage amount to save a little.

Find Cheap Car Insurance in Enid, OK

Liability rates start at $27 per month

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Cheapest liability-only car insurance in Enid: State Farm

Liability-only car insurance covers injuries and property damage that you cause to others in an auto accident. But it doesn’t cover your own injuries or vehicle damage. It’s a more affordable option for people with older cars or limited budgets, but it lacks the comprehensive protection of full-coverage policies.

The average monthly rate for liability-only car insurance in Enid is $78.

To find car insurance companies in Enid that offer the lowest average monthly quotes for liability policies, check out the table below.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyAverage Monthly Quote
State Farm27
USAA34
Allstate37
Safeco48
GEICO54
Farmers57
Mercury57
Clearcover62
Progressive65
National General68
Liberty Mutual76
CSAA77
Direct Auto80
Shelter81
GAINSCO87
Midvale Home & Auto87
The General89
Hallmark96
Foremost103
Bristol West125
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 Enid: State Farm

Full-coverage insurance includes additional protection for your vehicle, combining comprehensive and collision coverage. A full-coverage policy can be very beneficial for people with newer cars or significant assets. 

It’s a more expensive option but provides a broader safety net, encompassing damage to your car, theft, and various non-collision incidents. If you finance or lease your vehicle, your lender or leasing company will require you to have full coverage.

On average, full-coverage car insurance in Enid costs $175 per month.

This next table highlights the most affordable insurance companies for full-coverage policies in Enid.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyAverage Monthly Quote
State Farm51
USAA63
Allstate70
GEICO101
Clearcover107
Farmers107
Mercury112
Safeco121
Progressive122
Direct Auto129
National General137
Shelter151
CSAA163
Midvale Home & Auto172
The General190
Liberty Mutual192
GAINSCO198
Hallmark207
Foremost221
Bristol West255
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.

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Car insurance requirements in Oklahoma

All states have their own unique requirements regarding how much liability coverage you need to drive legally. In the state of Oklahoma, you must meet a minimum liability coverage amount of 25/50/25.[2]

This table breaks down what those numbers represent.

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

While you only need to meet state minimum liability requirements, purchasing one or more of these optional types of auto insurance coverage may give you more peace of mind.[3]

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers vehicle repairs following a collision, regardless of who was at fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance safeguards against non-collision damages, like natural disasters, vandalism, theft, fires, or falling objects.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    If you experience a total loss, gap insurance pays the difference between your loan balance and insurance settlement.

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

    Uninsured/underinsured motorist coverage

    With uninsured/underinsured motorist coverage, you’ll receive coverage for damages and injuries if an uninsured or underinsured driver causes an accident.

Cheapest car insurance for drivers with an incident

If possible, you want to avoid having incidents — like at-fault auto accidents, speeding tickets, and driving under the influence (DUI) convictions — on your driving record. These incidents can lead to increased insurance rates because they give car insurance companies cause for concern that you’re more likely to file future claims.[4]

The table below highlights how different driving incidents can affect your auto insurance rates.

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 Farm27353744
USAA34454756
Allstate37495161
Safeco48697279
GEICO54727589
Farmers57767994
Mercury57879096
Clearcover6288102102
Progressive658993107
National General689196112
Liberty Mutual76108113125
CSAA77106113127
Direct Auto80109114131
Shelter81118122126
GAINSCO87113118143
The General89123127146
Bristol West125169174205
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

Young drivers have less experience and are more likely to engage in risky driving behaviors like speeding. This leads auto insurance companies to charge them higher rates. Once drivers reach age 35 or so, they can expect to see their premiums decrease. 

But rates begin to increase around age 70, as age-related changes to vision and reflexes put senior drivers at higher risk of accidents. 

To better understand how age affects car insurance rates, check out the following table.

AgeAverage Monthly Quote
Teens$328
20s$228
30s$169
40s$153
50s$137
60s$132
70s$142
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.

Shop for Car Insurance in Enid, Oklahoma

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Enid car insurance quotes by credit tier

In Oklahoma, insurance companies can use your credit history to help determine insurance premiums. Having a poor credit score leads to higher rates than a good credit score because a low credit score can indicate that a driver is more likely to file claims.

The chart below gives you a look at how your credit tier can affect your car insurance rates in Enid.

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.

Enid car insurance FAQs

Check out the additional information below as you shop for car insurance coverage in Enid, Oklahoma.

  • How much is car insurance in Enid?

    Car insurance in Enid costs $78 per month for liability coverage and $175 per month for full coverage, according to Insurify data.

  • Which companies have the cheapest car insurance in Enid?

    State Farm has the cheapest car insurance in Enid, with monthly liability rates of $27. USAA and Allstate also offer affordable coverage, with respective monthly liability rates of $34 and $37.

    But the cheapest company for you will depend on multiple factors, including your age, ZIP code, type of car you drive, and coverage levels you choose.

  • What are the best car insurance companies in Enid?

    With an IQ Score of 4.5 out of 5, an AM Best financial strength rating of A++ (Superior), and low rates, State Farm is the best car insurance company in Enid. Other top insurers 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. Insurance Information Institute. "How to save money on car insurance."
  2. Oklahoma Insurance Department. "Auto Insurance: Common Myths."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."

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