Best Owasso, OK Car Insurance in 2024
Car insurance in Owasso, OK averages $353 a month. Owasso, Oklahoma car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Owasso car insurance rates, compare quotes from the top car insurance companies in Owasso, OK.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Owasso is State Farm
- The cheapest car insurance company in Owasso for teen drivers is State Farm
- Average car insurance rates in Owasso, OK after a DUI are $4,801/year
If you need to buy Owasso, Oklahoma car insurance, the options can be confusing. Everything you need to know about car insurance in Owasso, OK is right here.
You’ll find Owasso car insurance rates, the cheapest Owasso, OK car insurance companies, and information on Oklahoma car insurance laws. You can also compare Owasso, Oklahoma car insurance rates to Broken Arrow car insurance rates, Stillwater car insurance rates, and Tulsa car insurance rates.
Ready to find affordable Owasso, OK car insurance today? Enter your ZIP code for fast, free Owasso car insurance quotes.
Cheapest Owasso, OK Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Owasso, OK car insurance rates? Every Owasso, Oklahoma car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,496 | $2,500 | $2,309 | $2,423 | $7,811 | $9,185 | $2,681 | $2,819 |
| Farmers | $2,308 | $2,280 | $2,070 | $2,199 | $9,224 | $9,430 | $2,630 | $2,736 |
| Geico | $2,096 | $2,316 | $2,292 | $2,619 | $6,318 | $6,737 | $1,830 | $1,834 |
| Liberty Mutual | $4,686 | $4,950 | $4,135 | $4,516 | $13,799 | $15,187 | $4,859 | $5,014 |
| Progressive | $2,868 | $2,724 | $2,364 | $2,500 | $11,476 | $12,862 | $3,358 | $3,522 |
| State Farm | $1,740 | $1,740 | $1,544 | $1,544 | $4,643 | $5,825 | $1,834 | $2,073 |
| USAA | $1,929 | $1,922 | $1,862 | $1,871 | $6,322 | $7,034 | $2,474 | $2,702 |
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Minimum Car Insurance in Owasso, OK
Every driver must carry the minimum car insurance in Owasso, OK. Take a look at the Oklahoma car insurance requirements.
| 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 |
Cheapest Owasso, OK Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Owasso, OK. Compare credit history car insurance rates in Owasso from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,985 | $3,774 | $3,325 |
| Farmers | $4,715 | $3,904 | $3,709 |
| Geico | $3,921 | $3,255 | $2,589 |
| Liberty Mutual | $10,240 | $6,277 | $4,912 |
| Progressive | $5,908 | $5,035 | $4,684 |
| State Farm | $3,638 | $2,334 | $1,882 |
| USAA | $4,812 | $2,767 | $2,214 |
Cheapest Owasso, OK Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Owasso, OK to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,454 | $4,056 | $4,707 | $3,896 |
| Farmers | $3,455 | $4,467 | $4,358 | $4,158 |
| Geico | $2,350 | $3,640 | $4,094 | $2,937 |
| Liberty Mutual | $4,763 | $8,081 | $9,127 | $6,601 |
| Progressive | $4,054 | $7,547 | $4,476 | $4,760 |
| State Farm | $2,417 | $2,819 | $2,618 | $2,618 |
| USAA | $2,404 | $3,468 | $4,224 | $2,961 |
Cheapest Owasso, OK Car Insurance for Teen Drivers
Teen car insurance in Owasso, OK can be expensive. Take a look at rates from the top car insurance companies in Owasso for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,811 | $9,185 |
| Farmers | $9,224 | $9,430 |
| Geico | $6,318 | $6,737 |
| Liberty Mutual | $13,799 | $15,187 |
| Progressive | $11,476 | $12,862 |
| State Farm | $4,643 | $5,825 |
| USAA | $6,322 | $7,034 |
Cheapest Owasso, OK Car Insurance for Seniors
Take a look at Owasso, OK senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,309 | $2,423 |
| Farmers | $2,070 | $2,199 |
| Geico | $2,292 | $2,619 |
| Liberty Mutual | $4,135 | $4,516 |
| Progressive | $2,364 | $2,500 |
| State Farm | $1,544 | $1,544 |
| USAA | $1,862 | $1,871 |
Cheapest Owasso, OK Car Insurance Rates After a DUI
A DUI in Owasso, OK increases car insurance rates. Compare Owasso, Oklahoma DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,707 |
| Farmers | $4,358 |
| Geico | $4,094 |
| Liberty Mutual | $9,127 |
| Progressive | $4,476 |
| State Farm | $2,618 |
| USAA | $4,224 |
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Cheapest Owasso, OK Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Owasso, OK by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,028 | $4,028 |
| Farmers | $4,110 | $4,110 |
| Geico | $3,198 | $3,313 |
| Liberty Mutual | $7,143 | $7,143 |
| Progressive | $5,209 | $5,209 |
| State Farm | $2,575 | $2,661 |
| USAA | $3,225 | $3,304 |
The Best Cheap Car Insurance Companies in Owasso, OK
Take a look at a side-by-side comparison of the top car insurance companies in Owasso, OK to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,028 |
| Farmers | $4,110 |
| Geico | $3,255 |
| Liberty Mutual | $7,143 |
| Progressive | $5,209 |
| State Farm | $2,618 |
| USAA | $3,264 |
Category Winners: Cheapest Car Insurance in Owasso, Oklahoma
Find the cheapest car insurance companies in Owasso, OK for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | Geico |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
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Cheapest Owasso, OK Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Owasso car insurance rates. Find the cheapest Owasso, OK car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,756 | $4,010 | $4,318 |
| Farmers | $3,916 | $4,059 | $4,354 |
| Geico | $2,981 | $3,264 | $3,521 |
| Liberty Mutual | $6,714 | $7,114 | $7,601 |
| Progressive | $4,833 | $5,176 | $5,618 |
| State Farm | $2,447 | $2,598 | $2,809 |
| USAA | $3,118 | $3,254 | $3,422 |
What affects car insurance rates in Owasso, Oklahoma?
What factors can have an impact on Owasso, OK car insurance? There are several reasons why Owasso car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Owasso, Oklahoma.
Commute Time in Owasso
The more time you spend in your car the higher the risk of an accident. The average commute length in Owasso, OK is 21.5 minutes according to City-Data.
Compare Car Insurance Quotes in Owasso, OK
Ready to find affordable Owasso, Oklahoma car insurance today? Enter your ZIP code for fast, free Owasso, OK car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I compare car insurance quotes in Owasso, OK?
To compare car insurance quotes in Owasso, OK, you can follow these steps:
- Gather necessary information about your vehicle, such as make, model, and year.
- Prepare your personal information, including driver’s license number and driving history.
- Research reputable insurance companies that offer coverage in Owasso, OK.
- Visit the websites of these companies or use online insurance comparison tools.
- Provide accurate information and request quotes from multiple insurers.
- Review the coverage options, deductibles, and premiums offered by each company.
- Consider factors like customer reviews, financial stability, and customer service reputation.
- Choose the insurance policy that best suits your needs and budget.
What factors influence car insurance rates in Owasso, OK?
Several factors can influence car insurance rates in Owasso, OK, including:
- Your age, gender, and marital status
- Your driving record and claims history
- The type of vehicle you drive and its safety features
- Your annual mileage and usage patterns
- Your credit history
- Your ZIP code and location in Owasso, OK
- The coverage limits and deductibles you choose
Are there any specific car insurance requirements in Owasso, OK?
In Owasso, OK, drivers must meet the minimum car insurance requirements set by the state of Oklahoma. These requirements include:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage
What additional coverage options should I consider in Owasso, OK?
While meeting the minimum requirements is mandatory, there are additional coverage options you may want to consider for enhanced protection in Owasso, OK. These can include:
- Collision coverage: Covers damage to your vehicle caused by a collision, regardless of fault.
- Comprehensive coverage: Provides coverage for non-collision incidents like theft, vandalism, or natural disasters.
- Medical payments coverage: Pays for medical expenses for you and your passengers in case of an accident.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with an uninsured or underinsured driver.
- Rental car reimbursement: Helps cover the cost of a rental car while your vehicle is being repaired after an accident.
- Roadside assistance: Provides assistance in case of breakdowns, flat tires, or other roadside emergencies.
How can I lower my car insurance premiums in Owasso, OK?
To potentially lower your car insurance premiums in Owasso, OK, consider the following:
- Maintain a clean driving record and avoid accidents or traffic violations.
- Bundle your car insurance with other policies, such as homeowners or renters insurance.
- Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or good student discounts.
- Consider raising your deductibles, but make sure you can afford the out-of-pocket costs if needed.
- Install safety features in your vehicle, such as anti-theft devices or anti-lock brakes.
- Shop around and compare quotes from different insurance companies to ensure you’re getting the best rate.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
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.