Cheapest Car Insurance Quotes in Bartlesville

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Bartlesville Car Insurance

^$ 26

/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 Bartlesville

The car insurance rate in Bartlesville is $1174 for a six-month policy, which is $62 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $835, making it a popular choice for budget-conscious drivers. Rates in Bartlesville 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 Bartlesville

$1174

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Bartlesville

1st place: USAA

At $835 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $869 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $971 for six months, making it the third cheapest auto insurance company in Bartlesville.

Bartlesville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bartlesville, OK is USAA, offering policies at just $835 for a six-month term. This is followed by Progressive, which has an average six-month premium of $869.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1710 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bartlesville drivers find the best deals.

Cheap Car Insurance Companies in Bartlesville, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$835	$141
Progressive	$869	$146
Mercury	$971	$163
State Farm	$1016	$171
Shelter	$1134	$191
American Farmers & Ranchers Mutual	$1151	$196
Farmers	$1185	$200
Oklahoma Farm Bureau	$1219	$207
AFR Group	$1405	$235
Farm Bureau	$1428	$243
Allstate	$1710	$288

Key Takeaways

Way's key takeaways about car insurance in Bartlesville

The auto insurance costs in Bartlesville fall around $835 for six months.
The cheapest auto insurance company in Bartlesville is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Bartlesville at $40 per month.

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

Cheapest Minimum Liability Car Insurance in Bartlesville

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 Bartlesville are given below.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Bartlesville. Their Average 6 Month Premium is $152. Allstate is the most expensive at $553 for the same period.

Cheapest Liability Coverage in Bartlesville, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$152	$26
Mercury	$181	$30
USAA	$186	$31
AFR Group	$215	$36
Progressive	$220	$37
State Farm	$242	$41
Shelter	$288	$48
Oklahoma Farm Bureau	$311	$51
Farm Bureau	$350	$60
Farmers	$412	$69
Allstate	$553	$93

Cheapest Full Coverage Car Insurance in Bartlesville

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 Bartlesville is USAA at $141 per month and $835 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bartlesville, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$835	$141
Progressive	$869	$146
Mercury	$971	$163
State Farm	$1016	$171
Shelter	$1134	$191
American Farmers & Ranchers Mutual	$1151	$196
Farmers	$1185	$200
Oklahoma Farm Bureau	$1219	$207
AFR Group	$1405	$235
Farm Bureau	$1428	$243
Allstate	$1710	$288

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Average Car Insurance in Bartlesville 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 Bartlesville, OK increasing?

Despite maintaining a clean driving record, your car insurance rates in Bartlesville, 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, Bartlesville's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bartlesville

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	$678
30s	USAA	$525
40s	USAA	$482
50s	USAA	$462
60s	USAA	$472
70s	USAA	$545

Cheapest Car Insurance Rates for Teen Drivers in Bartlesville,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Bartlesville at $35 per month. At $237 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	$209	$35
USAA	$1169	$197
Progressive	$2037	$343
State Farm	$2060	$347
Mercury	$2670	$449
Shelter	$3036	$511
Oklahoma Farm Bureau	$3730	$635
Farm Bureau	$4176	$696
Allstate	$4622	$778
Farmers	$5378	$905
American Farmers & Ranchers	$237	$40

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 Bartlesville.

As young drivers face the highest rates in Bartlesville, USAA offers the cheapest auto insurance rates at $678 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 Bartlesville, Oklahoma Farm Bureau is the cheapest car insurance provider. At $305 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 Bartlesville is State Farm, offering rates of around $5570 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$305	$50
Progressive	$716	$121
Mercury	$1219	$205
USAA	$1219	$207
Farm Bureau	$1434	$238
Shelter	$2353	$400
Farmers	$2568	$428
Allstate	$2641	$449
State Farm	$5570	$928

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Car Insurance Rates with An Accident in Bartlesville

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 Bartlesville, OK, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Bartlesville include American Farmers & Ranchers Mutual and AFR Group, offering $146 and $344, respectively. Allstate is an expensive provider with an average six-month premium of $2359.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$146	$25
AFR Group	$344	$59
State Farm	$604	$102
USAA	$655	$110
Mercury	$790	$133
Oklahoma Farm Bureau	$812	$137
Progressive	$846	$143
Shelter	$1478	$249
Farm Bureau	$1552	$258
Farmers	$2071	$349
Allstate	$2359	$397

Bartlesville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bartlesville OK. For example, the car insurance in Bartlesville after a DUI increases to $598 for a six month policy. While the rate increases by $270 for a six-month policy in the case of a speeding ticket.

Bartlesville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1129	$188
One comp claim	$1151	$196
One Med/PIP claim	$1151	$192
Two Med/PIP claims	$1163	$198
Not-at-fault accident	$1169	$195
Two comp claims	$1174	$200
Failure to show documents	$1247	$208
Failure to wear a seat belt	$1286	$219
Child safety restraint	$1292	$216
Driving without lights	$1292	$219
Driving with expired registration	$1315	$219
Cell phone violation	$1332	$226
Driving too slowly	$1332	$222
Speeding in school zone	$1332	$226
Texting while driving	$1332	$222
Failure to yield	$1343	$228
Failure to stop at a red light	$1349	$225
Following too closely	$1355	$230
Illegal turn	$1355	$226
Wrong way/wrong lane	$1365	$232
Improper passing	$1371	$229
In 65 MPH zone	$1394	$237
Speeding 11 - 15 MPH over limit	$1399	$234
Speeding 6 - 10 MPH over limit	$1399	$238
Passing school bus	$1405	$235
Speeding 16 - 20 MPH over limit	$1405	$238
Open container	$1428	$238
Speeding 21 - 25 MPH over limit	$1439	$245
At-fault accident - less than $1000	$1445	$240
Operating a vehicle without permission	$1524	$259
At-fault accident - $1000-$2000	$1535	$256
At-fault accident - greater than $2000	$1535	$261
Reckless driving	$1664	$277
Refusal to submit to a chemical test	$1704	$290
DUI	$1727	$288
Racing	$1777	$302
Driving with a suspended license	$1873	$313
Leaving scene of an accident/hit and run	$1873	$318

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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 Bartlesville 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 Bartlesville.

The cheapest car insurance premiums in Bartlesville are offered by Progressive at $626 for a six-month policy. However, it can be as expensive as $2207 with companies like Farm Bureau.

Bartlesville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$626	$105
Mercury	$756	$127
State Farm	$977	$164
USAA	$993	$167
Shelter	$1676	$282
Oklahoma Farm Bureau	$1862	$311
Farmers	$2117	$356
Allstate	$2184	$368
Farm Bureau	$2207	$375

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 Bartlesville are offered by Oklahoma Farm Bureau at $276. However, it can be as expensive as $2127 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Bartlesville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$276	$47
Progressive	$604	$102
State Farm	$655	$110
USAA	$829	$141
Mercury	$1033	$174
Shelter	$1382	$235
Farm Bureau	$1428	$238
Allstate	$2054	$350
Farmers	$2127	$354

Car Insurance Price Trends in Bartlesville, Oklahoma

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

The average cost of full coverage in the Bartlesville rose by $231 in January compared to $211 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 Bartlesville dipped to $44 in January, compared to $45 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Bartlesville?

The car insurance in Bartlesville is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Bartlesville?

The cheapest car insurance in Bartlesville is $141 per month for full coverage.

How much is car insurance in Bartlesville for teenagers?

Car insurance for teenagers costs $209 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 Bartlesville?

The average cost of car insurance is $1236 for a six-month policy. It will cost around $198 per month to insure your car in Bartlesville.

Is car insurance expensive in Bartlesville?

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

Cheapest Car Insurance Quotes in Bartlesville

Why you can trust Way?

How Much Is Car Insurance in Bartlesville

Avg. Car Insurance in Bartlesville

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Bartlesville

1st place: USAA

2nd place: Progressive

3rd place: Mercury

Bartlesville Car Insurance Rates by Company

Cheap Car Insurance Companies in Bartlesville, OK

Way's key takeaways about car insurance in Bartlesville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bartlesville

Cheapest Liability Coverage in Bartlesville, OK

Cheapest Full Coverage Car Insurance in Bartlesville

Cheapest Full Coverage Car Insurance Quotes in Bartlesville, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bartlesville by Rating Factor

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

Car Insurance Premiums by Age in Bartlesville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bartlesville,OK

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

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 Bartlesville

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

Bartlesville Car Insurance Rates by Violation

Bartlesville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bartlesville after a DUI

Bartlesville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bartlesville after Speeding ticket

Car Insurance Price Trends in Bartlesville, Oklahoma

Average Car Insurance Cost in Bartlesville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bartlesville, OK

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

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