Buy Cheap Stillwater, OK Auto Insurance (2022)

Stillwater, OK auto insurance rates average $334 a month. Minimum auto insurance requirements in Stillwater, Oklahoma are 25/50/25 to comply with Oklahoma laws. To buy cheap auto insurance in Stillwater, OK, compare Stillwater auto insurance quotes from top companies.

Compare Quotes Now

secured lock Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 10, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • Average auto insurance rates in Stillwater, OK are $334/month
  • The most expensive auto insurance company in Stillwater is Liberty Mutual
  • The most expensive auto insurance company in Stillwater after a DUI is Liberty Mutual

Finding affordable Stillwater, Oklahoma auto insurance can be challenging, but everything you need to know to buy cheap Stillwater, OK auto insurance with confidence is right here. Auto insurance rates in Stillwater are affected by local factors as well as personal ones like your driving record.

See how Stillwater, OK car insurance rates compare to Enid auto insurance rates, Norman auto insurance rates, and Oklahoma City auto insurance rates before you read more about the cost of auto insurance in Stillwater.

Don’t buy Stillwater, OK auto insurance until you’ve compared rates. Get free Stillwater, Oklahoma auto insurance quotes when you enter your ZIP code above.

Stillwater, OK Minimum Auto Insurance Requirements

The required auto insurance in Stillwater, OK is 25/50/25 according to the auto insurance laws in Oklahoma. The minimum auto insurance in Stillwater, Oklahoma is outlined here.

Minimum Required Auto Insurance Coverage in Stillwater, Oklahoma

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Find Cheap Stillwater, OK Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Stillwater, OK. Take a look at Stillwater, Oklahoma auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Stillwater, Oklahoma

Insurance Company Poor Fair Good
Allstate $4,322 $3,279 $2,895
Farmers $4,335 $3,580 $3,404
GEICO $4,213 $3,496 $2,779
Liberty Mutual $9,800 $5,995 $4,698
Progressive $5,252 $4,471 $4,158
State Farm $3,884 $2,488 $2,003
USAA $4,449 $2,547 $2,035

Buy Cheap Stillwater, OK Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Stillwater, Oklahoma auto insurance rates? Find out how car insurance rates in Stillwater, OK are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Stillwater, Oklahoma

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,191 $2,201 $2,018 $2,121 $6,725 $7,878 $2,366 $2,491
Farmers $2,161 $2,146 $1,940 $2,050 $8,326 $8,546 $2,453 $2,566
GEICO $2,275 $2,494 $2,430 $2,749 $6,766 $7,229 $2,000 $2,024
Liberty Mutual $4,569 $4,822 $4,026 $4,383 $12,961 $14,231 $4,748 $4,909
Progressive $2,558 $2,432 $2,109 $2,229 $10,166 $11,394 $2,993 $3,135
State Farm $1,868 $1,868 $1,654 $1,654 $4,917 $6,198 $1,968 $2,207
USAA $1,788 $1,788 $1,721 $1,737 $5,779 $6,450 $2,299 $2,520

Buy Cheap Stillwater, OK Auto Insurance for Teen Drivers

Auto insurance for teenagers in Stillwater can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Stillwater, OK are listed here.

Annual Auto Insurance Rates for Teen Drivers in Stillwater, Oklahoma

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,725 $7,878
Farmers $8,326 $8,546
GEICO $6,766 $7,229
Liberty Mutual $12,961 $14,231
Progressive $10,166 $11,394
State Farm $4,917 $6,198
USAA $5,779 $6,450

Buy Cheap Stillwater, OK Auto Insurance for Seniors

You can save on senior auto insurance rates in Stillwater, Oklahoma by comparing Stillwater senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Stillwater, OK here.

Annual Auto Insurance Rates for Senior Drivers in Stillwater, Oklahoma

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,018 $2,121
Farmers $1,940 $2,050
GEICO $2,430 $2,749
Liberty Mutual $4,026 $4,383
Progressive $2,109 $2,229
State Farm $1,654 $1,654
USAA $1,721 $1,737

Find Cheap Auto Insurance Rates in Stillwater, OK by Coverage Level

The amount of coverage you choose is a big factor in the cost of Stillwater, Oklahoma auto insurance. Compare Stillwater, OK auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Stillwater, Oklahoma

Insurance Company Low Medium High
Allstate $3,270 $3,484 $3,742
Farmers $3,605 $3,729 $3,985
GEICO $3,244 $3,504 $3,740
Liberty Mutual $6,481 $6,807 $7,206
Progressive $4,289 $4,598 $4,995
State Farm $2,604 $2,771 $2,999
USAA $2,885 $3,002 $3,144

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Find Cheap Stillwater, OK Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Stillwater. Compare auto insurance rates in Stillwater, OK by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Stillwater, Oklahoma

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,499 $3,499
Farmers $3,773 $3,773
GEICO $3,429 $3,563
Liberty Mutual $6,831 $6,831
Progressive $4,627 $4,627
State Farm $2,744 $2,840
USAA $2,974 $3,047

Find Cheap Stillwater, OK Auto Insurance Rates by ZIP Code

Auto insurance rates in Stillwater, Oklahoma can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Stillwater, OK to see how much where you live in Stillwater affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Stillwater, Oklahoma

ZIP Code Average Annual Rates
74074 $3,968
74075 $3,979
74077 $3,972
74078 $3,995

Find Cheap Stillwater, OK Auto Insurance Rates by Driving Record

Auto insurance rates in Stillwater, Oklahoma are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Stillwater, OK, take a look at the average cost for various violations versus rates for a clean driving record in Stillwater.

Annual Stillwater, Oklahoma Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,012 $3,534 $4,065 $3,384
Farmers $3,185 $4,092 $3,993 $3,823
GEICO $2,542 $3,902 $4,344 $3,196
Liberty Mutual $4,581 $7,707 $8,713 $6,324
Progressive $3,604 $6,695 $3,978 $4,231
State Farm $2,582 $3,001 $2,792 $2,792
USAA $2,221 $3,190 $3,896 $2,733

Find Cheap Stillwater, OK Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Stillwater, Oklahoma is higher than for a clean driving record. You can buy auto insurance after a DUI in Stillwater for less when you shop around and compare rates from multiple Stillwater, OK auto insurance companies.

Annual Auto Insurance Rates After a DUI in Stillwater, Oklahoma

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,065
Farmers $3,993
GEICO $4,344
Liberty Mutual $8,713
Progressive $3,978
State Farm $2,792
USAA $3,896

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Winners by Category: Where to Buy Cheap Auto Insurance in Stillwater, OK

Compare rates from the cheapest auto insurance companies in Stillwater, OK for your needs. Take a look at how Stillwater, Oklahoma auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Stillwater, Oklahoma

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation USAA

Find Cheap Stillwater, Oklahoma Auto Insurance Companies

If you’re looking for the cheapest Stillwater, OK auto insurance companies overall, you can compare them here. Find the best price for Stillwater, Oklahoma car insurance by company.

Average Annual Auto Insurance Rates by Company in Stillwater, Oklahoma

Insurance Company Average Annual Rates
Allstate $3,499
Farmers $3,773
GEICO $3,496
Liberty Mutual $6,831
Progressive $4,627
State Farm $2,792
USAA $3,010

What affects Stillwater, Oklahoma auto insurance rates?

Local factors affect auto insurance rates in Stillwater, OK, including traffic, theft statistics, and commute length. Take a look at the things that impact Stillwater auto insurance rates.

Commute Times in Stillwater

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Stillwater, OK is 16.2 minutes according to City-Data.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Compare Auto Insurance Quotes in Stillwater, OK

You can buy cheap Stillwater, OK auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Stillwater, Oklahoma auto insurance quotes from top companies.

Compare Quotes Now

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption