Cheapest Car Insurance Quotes in Arapaho

Finding the cheapest car insurance quotes in Arapaho shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Arapaho Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Arapaho

The car insurance rate in Arapaho is $1149 for a six-month policy, which is $87 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $817, making it a popular choice for budget-conscious drivers. Rates in Arapaho can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Arapaho

$1149

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Arapaho

1st place: USAA

At $817 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $851 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $950 for six months, making it the third cheapest auto insurance company in Arapaho.

Arapaho Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Arapaho, OK is USAA, offering policies at just $817 for a six-month term. This is followed by Progressive, which has an average six-month premium of $851.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1674 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Arapaho drivers find the best deals.

Cheap Car Insurance Companies in Arapaho, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$817	$138
Progressive	$851	$143
Mercury	$950	$160
State Farm	$994	$167
Shelter	$1110	$187
American Farmers & Ranchers Mutual	$1127	$192
Farmers	$1160	$195
Oklahoma Farm Bureau	$1193	$203
AFR Group	$1375	$230
Farm Bureau	$1398	$238
Allstate	$1674	$282

Key Takeaways

Way's key takeaways about car insurance in Arapaho

The auto insurance costs in Arapaho fall around $817 for six months.
The cheapest auto insurance company in Arapaho is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Arapaho at $39 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Arapaho

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Arapaho are given below.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Arapaho. Their Average 6 Month Premium is $149. Allstate is the most expensive at $541 for the same period.

Cheapest Liability Coverage in Arapaho, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$149	$25
Mercury	$177	$30
USAA	$182	$31
AFR Group	$210	$35
Progressive	$216	$36
State Farm	$237	$40
Shelter	$282	$47
Oklahoma Farm Bureau	$304	$50
Farm Bureau	$342	$59
Farmers	$404	$68
Allstate	$541	$91

Cheapest Full Coverage Car Insurance in Arapaho

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Arapaho is USAA at $138 per month and $817 for six months.

Cheapest Full Coverage Car Insurance Quotes in Arapaho, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$817	$138
Progressive	$851	$143
Mercury	$950	$160
State Farm	$994	$167
Shelter	$1110	$187
American Farmers & Ranchers Mutual	$1127	$192
Farmers	$1160	$195
Oklahoma Farm Bureau	$1193	$203
AFR Group	$1375	$230
Farm Bureau	$1398	$238
Allstate	$1674	$282

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Arapaho Instantly!

Average Car Insurance in Arapaho by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Arapaho, OK increasing?

Despite maintaining a clean driving record, your car insurance rates in Arapaho, Oklahoma, may be increasing due to several external factors. Oklahoma has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Arapaho's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Arapaho

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$664
30s	USAA	$514
40s	USAA	$472
50s	USAA	$452
60s	USAA	$462
70s	USAA	$534

Cheapest Car Insurance Rates for Teen Drivers in Arapaho,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Arapaho at $34 per month. At $232 for a six-month premium, American Farmers & Ranchers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AFR Group	$205	$34
USAA	$1144	$193
Progressive	$1994	$336
State Farm	$2016	$339
Mercury	$2613	$440
Shelter	$2972	$500
Oklahoma Farm Bureau	$3651	$621
Farm Bureau	$4088	$682
Allstate	$4524	$762
Farmers	$5265	$886
American Farmers & Ranchers	$232	$39

Teen Car Insurance Rates in OK by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Arapaho.

As young drivers face the highest rates in Arapaho, USAA offers the cheapest auto insurance rates at $664 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Arapaho, Oklahoma Farm Bureau is the cheapest car insurance provider. At $299 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Arapaho is State Farm, offering rates of around $5453 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$299	$49
Progressive	$701	$118
Mercury	$1193	$201
USAA	$1193	$203
Farm Bureau	$1403	$233
Shelter	$2304	$392
Farmers	$2514	$419
Allstate	$2585	$440
State Farm	$5453	$909

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Arapaho.

Car Insurance Rates with An Accident in Arapaho

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Arapaho, OK, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Arapaho

The cheapest car insurance companies after an at-fault accident in Arapaho include American Farmers & Ranchers Mutual and AFR Group, offering $143 and $337, respectively. Allstate is an expensive provider with an average six-month premium of $2309.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$143	$24
AFR Group	$337	$58
State Farm	$591	$100
USAA	$641	$108
Mercury	$774	$130
Oklahoma Farm Bureau	$795	$134
Progressive	$829	$140
Shelter	$1447	$244
Farm Bureau	$1520	$253
Farmers	$2027	$341
Allstate	$2309	$389

Arapaho Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Arapaho OK. For example, the car insurance in Arapaho after a DUI increases to $586 for a six month policy. While the rate increases by $265 for a six-month policy in the case of a speeding ticket.

Arapaho auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1105	$184
One comp claim	$1127	$192
One Med/PIP claim	$1127	$188
Two Med/PIP claims	$1138	$193
Not-at-fault accident	$1144	$191
Two comp claims	$1149	$195
Failure to show documents	$1221	$204
Failure to wear a seat belt	$1259	$214
Child safety restraint	$1265	$211
Driving without lights	$1265	$215
Driving with expired registration	$1287	$215
Cell phone violation	$1304	$221
Driving too slowly	$1304	$218
Speeding in school zone	$1304	$221
Texting while driving	$1304	$218
Failure to yield	$1315	$223
Failure to stop at a red light	$1321	$220
Following too closely	$1326	$225
Illegal turn	$1326	$221
Wrong way/wrong lane	$1336	$227
Improper passing	$1342	$224
In 65 MPH zone	$1364	$232
Speeding 11 - 15 MPH over limit	$1370	$229
Speeding 6 - 10 MPH over limit	$1370	$233
Passing school bus	$1375	$230
Speeding 16 - 20 MPH over limit	$1375	$233
Open container	$1398	$233
Speeding 21 - 25 MPH over limit	$1409	$240
At-fault accident - less than $1000	$1415	$235
Operating a vehicle without permission	$1492	$254
At-fault accident - $1000-$2000	$1503	$250
At-fault accident - greater than $2000	$1503	$256
Reckless driving	$1629	$272
Refusal to submit to a chemical test	$1668	$284
DUI	$1691	$282
Racing	$1740	$296
Driving with a suspended license	$1834	$306
Leaving scene of an accident/hit and run	$1834	$312

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Arapaho after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Arapaho.

The cheapest car insurance premiums in Arapaho are offered by Progressive at $613 for a six-month policy. However, it can be as expensive as $2160 with companies like Farm Bureau.

Arapaho car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$613	$103
Mercury	$740	$125
State Farm	$956	$161
USAA	$972	$164
Shelter	$1641	$276
Oklahoma Farm Bureau	$1823	$304
Farmers	$2072	$349
Allstate	$2138	$360
Farm Bureau	$2160	$367

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Arapaho are offered by Oklahoma Farm Bureau at $271. However, it can be as expensive as $2082 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Arapaho after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$271	$46
Progressive	$591	$100
State Farm	$641	$108
USAA	$812	$138
Mercury	$1011	$170
Shelter	$1353	$230
Farm Bureau	$1398	$233
Allstate	$2011	$342
Farmers	$2082	$347

Car Insurance Price Trends in Arapaho, Oklahoma

Car insurance rates in Arapaho have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Arapaho rose by $226 in January compared to $206 of December. In other words, there has been an increase by $20 when you compare January and December.

The average cost of liability insurance in the Arapaho dipped to $43 in January, compared to $44 in December. This represents an decrease of $1 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Arapaho?

The car insurance in Arapaho is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Arapaho?

The cheapest car insurance in Arapaho is $138 per month for full coverage.

How much is car insurance in Arapaho for teenagers?

Car insurance for teenagers costs $205 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Arapaho?

The average cost of car insurance is $1236 for a six-month policy. It will cost around $193 per month to insure your car in Arapaho.

Is car insurance expensive in Arapaho?

Car insurance can be expensive in Arapaho if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Arapaho can be affordable.

Cheapest Car Insurance Quotes in Arapaho

Why you can trust Way?

How Much Is Car Insurance in Arapaho

Avg. Car Insurance in Arapaho

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Arapaho

1st place: USAA

2nd place: Progressive

3rd place: Mercury

Arapaho Car Insurance Rates by Company

Cheap Car Insurance Companies in Arapaho, OK

Way's key takeaways about car insurance in Arapaho

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Arapaho

Cheapest Liability Coverage in Arapaho, OK

Cheapest Full Coverage Car Insurance in Arapaho

Cheapest Full Coverage Car Insurance Quotes in Arapaho, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Arapaho by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Arapaho, OK increasing?

Car Insurance Premiums by Age in Arapaho

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Arapaho,OK

If you are in your twenties USAA is the best choice for car insurance in Arapaho.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Arapaho

Cheapest Car Insurance Companies after an At-Fault Accident in Arapaho

Arapaho Car Insurance Rates by Violation

Arapaho auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Arapaho after a DUI

Arapaho car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Arapaho after Speeding ticket

Car Insurance Price Trends in Arapaho, Oklahoma

Average Car Insurance Cost in Arapaho by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Arapaho, OK

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources