Best Cheap Auto Insurance in Stillwater, Oklahoma (2024)

State Farm offers the cheapest rates in Stillwater for $32 per month.

Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Más de 3 años produciendo contenidos sobre seguros y finanzas personales

  • Principal artífice de la puntuación de calidad de Insurify

Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.

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Actualizado el 6 de mayo de 2024

Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717

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Basado en más de 3806 reseñas
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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.

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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 6 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 6 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 6 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 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

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 $147 per month.

Here’s what you need to know about finding the cheapest and best car insurance companies for your situation in Stillwater, Oklahoma.

Datos Breves
  • Full-coverage insurance costs on average $207 per month, and liability insurance costs $88 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 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 Farm4.6$63$33Full coverage
USAA4.7$78$41Military community
Allstate4.4$86$46Liability coverage
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 full-coverage insurance: 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.
$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.
$60/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.

Ventajas
  • Variety of available discounts

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

Contras
  • Gap coverage not available

  • Low Trustpilot rating

Read our State Farm review
Colleen - May 2, 2024
Verified

Look Further

The rates are consistently high and unaffordable.

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.

Best insurance for military members and 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.
$40/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.
$74/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.

Ventajas
  • Many potential discounts

  • Roadside assistance available

Contras
  • Coverage only available to military members, veterans, and their family members

  • Gap coverage not available

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 liability-only insurance: 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.
$44/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.
$81/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.

Ventajas
  • Range of available discounts

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

Contras
  • Not accredited by the Better Business Bureau (BBB) 

  • Negative Trustpilot reviews

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 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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyAverage Monthly Quote
State Farm32
USAA40
Allstate44
Safeco56
GEICO63
Farmers67
Mercury67
Clearcover73
Progressive75
National General79
Liberty Mutual88
CSAA90
Direct Auto93
Shelter94
GAINSCO101
Midvale Home & Auto101
The General104
Hallmark112
Foremost120
Bristol West146
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.

Find Cheap Liability Rates in Stillwater

Cheapest rates starting at $32/month

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Basado en más de 3806 reseñas
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $60

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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyAverage Monthly Quote
State Farm60
USAA74
Allstate81
GEICO118
Clearcover125
Farmers125
Mercury130
Safeco141
Progressive142
Direct Auto150
National General160
Shelter176
CSAA190
Midvale Home & Auto201
The General221
Liberty Mutual224
GAINSCO230
Hallmark241
Foremost257
Bristol West298
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

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]

CoverageMinimum 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:

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

    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.

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

    Comprehensive coverage

    Comprehensive coverage pays for non-collision incidents, like theft, vandalism, fire, falling objects, or natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

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

    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 $202/month

Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $313 per month for full-coverage insurance, and $133 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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyLiability OnlyFull Coverage
State Farm4280
USAA5399
Allstate59108
Safeco76191
GEICO84158
Farmers89166
Mercury96186
Clearcover98168
Progressive100190
National General116235
CSAA123261
Direct Auto126203
Liberty Mutual129329
Shelter131245
Midvale Home & Auto139277
The General140299
GAINSCO148338
Hallmark150322
Foremost176377
Bristol West193394
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 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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyLiability OnlyFull Coverage
State Farm4483
USAA55102
Allstate61112
Safeco75189
GEICO87164
Farmers92172
Mercury98191
Progressive106200
Clearcover107183
National General108219
CSAA130275
Direct Auto132212
Liberty Mutual133337
Shelter135253
GAINSCO136309
Midvale Home & Auto147293
The General147312
Hallmark150324
Foremost181387
Bristol West199405
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 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 $153 per month for liability coverage, and $360 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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyLiability OnlyFull Coverage
State Farm55102
USAA68126
Allstate75138
Safeco95240
Mercury104201
GEICO107201
Farmers114213
Clearcover124213
Progressive128242
National General135273
Liberty Mutual150382
CSAA153324
Direct Auto159256
Shelter160300
GAINSCO172392
Midvale Home & Auto172343
The General177377
Hallmark191411
Foremost205438
Bristol West249508
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 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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyLiability OnlyFull Coverage
State Farm2343
USAA3055
Allstate3361
Safeco42106
GEICO4788
Mercury4792
Farmers4991
Progressive5095
Clearcover5593
National General60121
Shelter62115
Liberty Mutual65165
CSAA66140
Direct Auto67108
Midvale Home & Auto72143
GAINSCO77175
Hallmark80172
The General80170
Foremost88188
Bristol West110224
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 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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyLiability OnlyFull Coverage
State Farm55104
USAA68126
Allstate79145
GEICO102190
Safeco120303
Farmers121225
Mercury125242
Progressive139263
Clearcover145248
National General150304
CSAA151320
Shelter166311
Liberty Mutual168427
The General173367
Direct Auto174280
Midvale Home & Auto181359
GAINSCO186423
Hallmark204439
Foremost217465
Bristol West254519
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.

Find Car Insurance in Stillwater

Compare rates from 100+ top insurers

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Basado en más de 3806 reseñas
4.8/5
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ProgressiveLiberty MutualTravelers

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 $147, which similar to the average rate in Stillwater of $147. 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.

CityFull CoverageLiability Only
Ardmore$205$84
Enid$175$78
Lawton$206$89
Muskogee$186$82
Norman$214$98
Oklahoma City$220$111
Tulsa$241$110
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $207 a month for full coverage and $88 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]

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: Stillwater city, Oklahoma."
  2. Oklahoma State University. "Fast Facts."
  3. Oklahoma Insurance Department. "Auto Insurance: Common Myths."
  4. III. "Do auto insurance premiums go up after a claim?."
  5. NHTSA. "Speeding and Aggressive Driving Prevention."
  6. Oklahoma Department of Public Safety. "2020 Oklahoma Crash Facts."
  7. III. "Senior driving safety and insurance tips."
  8. III. "What determines the price of an auto insurance policy?."
  9. Nolo. "Oklahoma Auto Insurance Laws and Requirements."
  10. National Weather Service. "Oklahoma Historic Tornado Data Web Pages by County."

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