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Stillwater Car Insurance

How much does car insurance cost in Stillwater, OK? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Stillwater?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Oklahoma has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Stillwater typically pay around $102.23 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Oklahoma $103.93
Stillwater, Oklahoma $102.23

Stillwater, OK Best Car Insurance Companies

car insurance in Stillwater

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Stillwater coming in around $74.89 per month. Other companies to consider if you live in Stillwater is USAA with an average cost of $95.72 per month and State Farm which typically runs around $106.72 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Stillwater.

RankCompanyAverage Monthly RateComparison State Average
1 Clearcover $74.89-27.94%
2 USAA $95.72-7.89%
3 State Farm $106.722.68%
4 Safeco $122.3317.70%
5 Oklahoma Farmers Union $129.3024.41%
6 Farmers $141.1735.83%
7 Liberty Mutual $150.3344.65%
8 Allstate $152.2246.46%
9 Mercury $152.2646.50%
10 Shelter $173.4566.89%

How Much is Car Insurance in Stillwater, OK?

how much is auto insurance in Stillwater

Rates can vary from city to city. The residents of Edmond typically pay $114.76 per month while people who live in Enid will pay $86.45 per month on average. See what people pay for car insurance in other cities in Oklahoma.

Oklahoma CitiesMonthly Average Rate
Edmond $114.76
Enid $86.45
Norman $112.01
Oklahoma City $111.31
Stillwater $101.34
Tulsa $110.88

Cheap Car Insurance in Stillwater by Zip Codes

find cheap auto insurance in Stillwater

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Oklahoma. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Stillwater, OK ZIP CodeAverage Monthly Rate
74074$95.47
74075$107.11
74077$68.17

Car Insurance Rates by Driver's Age Group in Stillwater

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $222.71 per month in Stillwater. Compare that to drivers in their 30’s who typically pay around $94.89 per month drivers in their 40s at $96.38 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$222.71
20s$108.99
30s$94.89
40s$96.38
50s$72.50
60s$72.65
70+$75.50

Cheapest Insurance for Teenage Drivers in Stillwater

If you are teen in Stillwater you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $139.00 per month. This is likely the most affordable option in Stillwater. You might also want to consider Oklahoma Farmers Union and Safe Auto who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$139.00
Oklahoma Farmers Union$154.75
Safe Auto$179.75
State Farm$197.83
Home State Ins Group$290.33

Cheapest Insurance for 20 Year-olds in Stillwater

20 year-olds in Stillwater might want to consider USAA who, on average, offers car insurance rates around $100.74 per month. Clearcover , State Farm , Safeco and Oklahoma Farmers Union are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$100.74
Clearcover$110.28
State Farm$115.57
Safeco$122.33
Oklahoma Farmers Union$130.55

Cheapest Insurance for 30 Year-olds in Stillwater

If you are in your 30s in Stillwater our research has found that Clearcover typically has the most affordable coverage coming in around $71.24 per month, followed by USAA at $92.36 and State Farm at $101.28.

CompanyAverage Monthly Rate
Clearcover$71.24
USAA$92.36
State Farm$101.28
Mercury$127.67
Farmers$135.57

Cheapest Insurance for 40 Year-olds in Stillwater

On average, USAA offers car insurance for 40 year-olds in Stillwater for around $56.09 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Oklahoma Farmers Union. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$56.09
State Farm$61.46
Oklahoma Farmers Union$62.29
Clearcover$79.61
Mercury$86.40

Cheapest Insurance for 50 Year-olds in Stillwater

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Stillwater we found that USAA generally offers the most affordable coverage at $53.00 per month.

CompanyAverage Monthly Rate
USAA$53.00
State Farm$56.50
Farmers$63.00
Oklahoma Farmers Union$63.83
Mercury$64.67

Cheapest Insurance for 60 Year-olds in Stillwater

CompanyAverage Monthly Rate

Driver's Coverage Auto Insurance Rates in Stillwater, OK

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Stillwater, the average monthly rate for a driver who is currently insured is $90.44 while drivers who are not currently covered will pay around $117.50.

CoverageAverage Monthly Rate
Not Currently Insured $117.50
Currently Insured $90.44

Compare Recent Car Insurance Quotes in Stillwater

auto insurance quotes in Stillwater city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Stillwater a driver of a 2017 Dodge Charger can expect to pay around $110.40 per month while someone that owns a 2015 Kia Sedona may pay around $52.57 per month. Check out the list of recent quotes in Stillwater below.

VehicleAverage Monthly Rate
2017 Dodge Charger$110.40
2015 Kia Sedona$52.57
2009 Chevrolet Tahoe$82.31
2016 Nissan Versa$42.34
2017 Mitsubishi Mirage$94.98
2005 Pontiac Sunfire$66.32
2005 Dodge Stratus$96.75
2015 Lexus GS$78.38
2019 Mitsubishi Mirage$95.55
2015 Lexus GS$92.27

FAQ's for Drivers in Stillwater, OK

driver’s frequently asked question in Stillwater

What Is the Minimum Liability Coverage Requirement in Stillwater, OK?

Every state requires drivers to have a minimum amount of liability coverage. Oklahoma drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Coverage for multiple people injured in a single accident
  • $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Oklahoma residents must carry two types of liability coverage: bodily injury and property damage. Bodily injury protects your assets if you’re found at-fault for a covered accident that causes bodily harm. Property damage liability safeguards your assets if you’re found responsible for an accident that damages property belonging to another party.

The minimum amount of Oklahoma auto insurance required to legally drive a vehicle is $25,000 of bodily injury coverage per person, $50,000 of bodily injury per accident to cover two or more people, and $25,000 of property damage liability to cover damage to another person’s property.

What Is the Blood Alcohol Concentration (BAC) limit in Stillwater, OK?

It is illegal for individuals to operate a motor vehicle in Oklahoma with the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.00%+ at under 21 years old

Oklahoma considers BACs of 0.08% or above to be DUIs. If you drive with a BAC below this amount, but you have measurable alcohol in your system, it’s considered a DWI. Additionally, the state’s zero-tolerance policy for drivers under the age of 21 means license revocation for any amount of alcohol in the blood.

What are the consequences of being convicted of a DUI?

Being convicted of a DUI in Oklahoma carries severe penalties, and the results of a blood or breath test largely determine what those penalties are. Drunk drivers may receive hefty fines, suspension of driving privileges, increased insurance rates, jail time, and more.

Penalties are even harsher for aggravated driving, which in Oklahoma refers to operating a vehicle with a BAC of 0.15% or higher. Those convicted face 28 days of inpatient treatment, 480 hours of community service, and mandatory installation of an ignition interlock device.

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Commute Time in Stillwater, OK

15.3 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Stillwater, OK

146

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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