Cheapest Car Insurance Quotes in Cedar Crest

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Cedar Crest Car Insurance

^$ 24

/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 Cedar Crest

The car insurance rate in Cedar Crest is $1203 for a six-month policy, which is $24 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $836, making it a popular choice for budget-conscious drivers. Rates in Cedar Crest 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 Cedar Crest

$1203

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Cedar Crest

1st place: Mercury

At $836 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $878 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $975 for six months, making it the third cheapest auto insurance company in Cedar Crest.

Cedar Crest Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cedar Crest, OK is Mercury, offering policies at just $836 for a six-month term. This is followed by USAA, which has an average six-month premium of $878.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1684 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cedar Crest drivers find the best deals.

Cheap Car Insurance Companies in Cedar Crest, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$836	$141
USAA	$878	$148
Progressive	$975	$164
State Farm	$1018	$171
Shelter	$1109	$187
American Farmers & Ranchers Mutual	$1236	$210
Farm Bureau	$1303	$217
Oklahoma Farm Bureau	$1309	$222
Farmers	$1381	$233
AFR Group	$1509	$256
Allstate	$1684	$284

Key Takeaways

Way's key takeaways about car insurance in Cedar Crest

The auto insurance costs in Cedar Crest fall around $836 for six months.
The cheapest auto insurance company in Cedar Crest is Mercury.
Teen drivers pay the highest rate in Cedar Crest at $43 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 Cedar Crest

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 Cedar Crest are given below.

Mercury provides the cheapest minimum car insurance coverage in Cedar Crest. Their Average 6 Month Premium is $146. Allstate is the most expensive at $588 for the same period.

Cheapest Liability Coverage in Cedar Crest, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$146	$24
American Farmers & Ranchers Mutual	$163	$28
USAA	$194	$33
AFR Group	$231	$39
State Farm	$243	$41
Progressive	$249	$42
Shelter	$297	$50
Oklahoma Farm Bureau	$334	$55
Farm Bureau	$369	$63
Farmers	$546	$92
Allstate	$588	$99

Cheapest Full Coverage Car Insurance in Cedar Crest

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 Cedar Crest is Mercury at $141 per month and $836 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cedar Crest, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$836	$141
USAA	$878	$148
Progressive	$975	$164
State Farm	$1018	$171
Shelter	$1109	$187
American Farmers & Ranchers Mutual	$1236	$210
Farm Bureau	$1303	$217
Oklahoma Farm Bureau	$1309	$222
Farmers	$1381	$233
AFR Group	$1509	$256
Allstate	$1684	$284

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Average Car Insurance in Cedar Crest 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 Cedar Crest, OK increasing?

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

Car Insurance Premiums by Age in Cedar Crest

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	$748
30s	USAA	$579
40s	USAA	$530
50s	USAA	$509
60s	USAA	$520
70s	USAA	$601

Cheapest Car Insurance Rates for Teen Drivers in Cedar Crest,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Cedar Crest at $38 per month. At $254 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	$224	$38
Mercury	$231	$39
USAA	$1193	$201
State Farm	$1878	$316
Progressive	$2369	$399
Shelter	$2987	$503
Farm Bureau	$3895	$662
Oklahoma Farm Bureau	$4005	$667
Allstate	$4713	$794
Farmers	$6883	$1159
American Farmers & Ranchers	$254	$43

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 Cedar Crest.

As young drivers face the highest rates in Cedar Crest, USAA offers the cheapest auto insurance rates at $748 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 Cedar Crest, Mercury is the cheapest car insurance provider. At $194 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 Cedar Crest is State Farm, offering rates of around $3369 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$194	$33
Oklahoma Farm Bureau	$327	$56
Progressive	$909	$153
USAA	$1169	$199
Farm Bureau	$1309	$218
Shelter	$2096	$356
Allstate	$2327	$388
Farmers	$3345	$569
State Farm	$3369	$561

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Cedar Crest

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cedar Crest

The cheapest car insurance companies after an at-fault accident in Cedar Crest include American Farmers & Ranchers Mutual and Mercury, offering $157 and $297, respectively. Farmers is an expensive provider with an average six-month premium of $2576.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$157	$27
Mercury	$297	$50
AFR Group	$369	$61
State Farm	$575	$97
USAA	$672	$113
Oklahoma Farm Bureau	$872	$147
Progressive	$963	$162
Farm Bureau	$1424	$242
Shelter	$1455	$245
Allstate	$2345	$395
Farmers	$2576	$434

Cedar Crest Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cedar Crest OK. For example, the car insurance in Cedar Crest after a DUI increases to $642 for a six month policy. While the rate increases by $290 for a six-month policy in the case of a speeding ticket.

Cedar Crest auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1212	$202
One comp claim	$1236	$210
One Med/PIP claim	$1236	$206
Two Med/PIP claims	$1248	$212
Not-at-fault accident	$1255	$209
Two comp claims	$1261	$214
Failure to show documents	$1339	$223
Failure to wear a seat belt	$1381	$235
Child safety restraint	$1387	$232
Driving without lights	$1387	$236
Driving with expired registration	$1412	$236
Cell phone violation	$1430	$243
Driving too slowly	$1430	$239
Speeding in school zone	$1430	$243
Texting while driving	$1430	$239
Failure to yield	$1442	$245
Failure to stop at a red light	$1448	$242
Following too closely	$1455	$247
Illegal turn	$1455	$243
Wrong way/wrong lane	$1466	$249
Improper passing	$1472	$246
In 65 MPH zone	$1496	$254
Speeding 11 - 15 MPH over limit	$1502	$251
Speeding 6 - 10 MPH over limit	$1502	$255
Passing school bus	$1509	$252
Speeding 16 - 20 MPH over limit	$1509	$256
Open container	$1533	$255
Speeding 21 - 25 MPH over limit	$1545	$263
At-fault accident - less than $1000	$1551	$258
Operating a vehicle without permission	$1636	$278
At-fault accident - $1000-$2000	$1648	$274
At-fault accident - greater than $2000	$1648	$281
Reckless driving	$1787	$298
Refusal to submit to a chemical test	$1830	$311
DUI	$1854	$309
Racing	$1908	$324
Driving with a suspended license	$2011	$336
Leaving scene of an accident/hit and run	$2011	$342

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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 Cedar Crest 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 Cedar Crest.

The cheapest car insurance premiums in Cedar Crest are offered by Mercury at $272 for a six-month policy. However, it can be as expensive as $2333 with companies like Farmers.

Cedar Crest car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$272	$46
Progressive	$691	$116
State Farm	$872	$147
USAA	$1012	$170
Shelter	$1648	$277
Oklahoma Farm Bureau	$1999	$334
Farm Bureau	$2054	$349
Allstate	$2193	$369
Farmers	$2333	$393

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 Cedar Crest are offered by Mercury at $212. However, it can be as expensive as $2793 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cedar Crest after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$212	$36
Oklahoma Farm Bureau	$297	$50
State Farm	$515	$87
Progressive	$721	$121
USAA	$787	$132
Shelter	$1236	$210
Farm Bureau	$1303	$217
Allstate	$1781	$303
Farmers	$2793	$465

Car Insurance Price Trends in Cedar Crest, Oklahoma

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

The average cost of full coverage in the Cedar Crest rose by $226 in December compared to $222 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Cedar Crest rose to $48 in December, compared to $46 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 Cedar Crest?

The car insurance in Cedar Crest is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Cedar Crest?

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

How much is car insurance in Cedar Crest for teenagers?

Car insurance for teenagers costs $224 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 Cedar Crest?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $203 per month to insure your car in Cedar Crest.

Is car insurance expensive in Cedar Crest?

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

Cheapest Car Insurance Quotes in Cedar Crest

Why you can trust Way?

How Much Is Car Insurance in Cedar Crest

Avg. Car Insurance in Cedar Crest

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Cedar Crest

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Cedar Crest Car Insurance Rates by Company

Cheap Car Insurance Companies in Cedar Crest, OK

Way's key takeaways about car insurance in Cedar Crest

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cedar Crest

Cheapest Liability Coverage in Cedar Crest, OK

Cheapest Full Coverage Car Insurance in Cedar Crest

Cheapest Full Coverage Car Insurance Quotes in Cedar Crest, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cedar Crest by Rating Factor

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

Car Insurance Premiums by Age in Cedar Crest

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cedar Crest,OK

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

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 Cedar Crest

Cheapest Car Insurance Companies after an At-Fault Accident in Cedar Crest

Cedar Crest Car Insurance Rates by Violation

Cedar Crest auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cedar Crest after a DUI

Cedar Crest car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cedar Crest after Speeding ticket

Car Insurance Price Trends in Cedar Crest, Oklahoma

Average Car Insurance Cost in Cedar Crest by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cedar Crest, OK

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

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