Cheapest Car Insurance Quotes in Arapaho

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Arapaho Car Insurance

^$ 22

/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 $1096 for a six-month policy, which is $83 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $763, 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

$1096

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Arapaho

1st place: Mercury

At $763 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $801 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $889 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 Mercury, offering policies at just $763 for a six-month term. This is followed by USAA, which has an average six-month premium of $801.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1535 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
Mercury	$763	$128
USAA	$801	$135
Progressive	$889	$150
State Farm	$928	$156
Shelter	$1011	$170
American Farmers & Ranchers Mutual	$1127	$192
Farm Bureau	$1188	$198
Oklahoma Farm Bureau	$1193	$203
Farmers	$1259	$212
AFR Group	$1375	$233
Allstate	$1535	$259

Key Takeaways

Way's key takeaways about car insurance in Arapaho

The auto insurance costs in Arapaho fall around $763 for six months.
The cheapest auto insurance company in Arapaho is Mercury.
Teen drivers pay the highest rate in Arapaho at $39 per month.

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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.

Mercury provides the cheapest minimum car insurance coverage in Arapaho. Their Average 6 Month Premium is $133. Allstate is the most expensive at $536 for the same period.

Cheapest Liability Coverage in Arapaho, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$133	$22
American Farmers & Ranchers Mutual	$149	$25
USAA	$177	$30
AFR Group	$210	$35
State Farm	$221	$37
Progressive	$227	$38
Shelter	$271	$46
Oklahoma Farm Bureau	$304	$50
Farm Bureau	$337	$58
Farmers	$498	$84
Allstate	$536	$90

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 Mercury at $128 per month and $763 for six months.

Cheapest Full Coverage Car Insurance Quotes in Arapaho, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$763	$128
USAA	$801	$135
Progressive	$889	$150
State Farm	$928	$156
Shelter	$1011	$170
American Farmers & Ranchers Mutual	$1127	$192
Farm Bureau	$1188	$198
Oklahoma Farm Bureau	$1193	$203
Farmers	$1259	$212
AFR Group	$1375	$233
Allstate	$1535	$259

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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	$682
30s	USAA	$528
40s	USAA	$484
50s	USAA	$464
60s	USAA	$474
70s	USAA	$548

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
Mercury	$210	$35
USAA	$1088	$183
State Farm	$1712	$288
Progressive	$2160	$364
Shelter	$2723	$458
Farm Bureau	$3552	$604
Oklahoma Farm Bureau	$3651	$608
Allstate	$4298	$724
Farmers	$6276	$1056
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 $682 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, Mercury is the cheapest car insurance provider. At $177 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 $3072 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$177	$30
Oklahoma Farm Bureau	$299	$51
Progressive	$829	$140
USAA	$1066	$181
Farm Bureau	$1193	$199
Shelter	$1911	$325
Allstate	$2121	$353
Farmers	$3049	$519
State Farm	$3072	$512

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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 Mercury, offering $143 and $271, respectively. Farmers is an expensive provider with an average six-month premium of $2348.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$143	$24
Mercury	$271	$46
AFR Group	$337	$56
State Farm	$525	$88
USAA	$613	$103
Oklahoma Farm Bureau	$795	$134
Progressive	$878	$148
Farm Bureau	$1298	$220
Shelter	$1326	$223
Allstate	$2138	$360
Farmers	$2348	$395

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

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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 Mercury at $248 for a six-month policy. However, it can be as expensive as $2127 with companies like Farmers.

Arapaho car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$248	$42
Progressive	$630	$106
State Farm	$795	$134
USAA	$923	$155
Shelter	$1503	$253
Oklahoma Farm Bureau	$1823	$304
Farm Bureau	$1873	$318
Allstate	$2000	$337
Farmers	$2127	$358

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 Mercury at $193. However, it can be as expensive as $2546 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
Mercury	$193	$33
Oklahoma Farm Bureau	$271	$46
State Farm	$470	$79
Progressive	$658	$111
USAA	$718	$120
Shelter	$1127	$192
Farm Bureau	$1188	$198
Allstate	$1624	$276
Farmers	$2546	$424

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 $206 in December compared to $203 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Arapaho rose to $44 in December, compared to $42 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Arapaho?

The car insurance in Arapaho is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Arapaho?

The cheapest car insurance in Arapaho is $128 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 $1179 for a six-month policy. It will cost around $185 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: Mercury

2nd place: USAA

3rd place: Progressive

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)

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