Cheapest Car Insurance Quotes in Colbert

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Colbert Car Insurance

^$ 27

/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 Colbert

The car insurance rate in Colbert is $1248 for a six-month policy, which is $12 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $888, making it a popular choice for budget-conscious drivers. Rates in Colbert 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 Colbert

$1248

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Colbert

1st place: USAA

At $888 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $924 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1032 for six months, making it the third cheapest auto insurance company in Colbert.

Colbert Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Colbert, OK is USAA, offering policies at just $888 for a six-month term. This is followed by Progressive, which has an average six-month premium of $924.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1818 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Colbert drivers find the best deals.

Cheap Car Insurance Companies in Colbert, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$888	$149
Progressive	$924	$156
Mercury	$1032	$174
State Farm	$1080	$182
Shelter	$1206	$203
American Farmers & Ranchers Mutual	$1224	$208
Farmers	$1259	$212
Oklahoma Farm Bureau	$1296	$220
AFR Group	$1494	$249
Farm Bureau	$1518	$259
Allstate	$1818	$306

Key Takeaways

Way's key takeaways about car insurance in Colbert

The auto insurance costs in Colbert fall around $888 for six months.
The cheapest auto insurance company in Colbert is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Colbert at $42 per month.

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

Cheapest Minimum Liability Car Insurance in Colbert

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 Colbert are given below.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Colbert. Their Average 6 Month Premium is $162. Allstate is the most expensive at $588 for the same period.

Cheapest Liability Coverage in Colbert, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$162	$27
Mercury	$192	$32
USAA	$198	$33
AFR Group	$228	$38
Progressive	$234	$39
State Farm	$258	$43
Shelter	$306	$52
Oklahoma Farm Bureau	$330	$55
Farm Bureau	$372	$64
Farmers	$438	$74
Allstate	$588	$99

Cheapest Full Coverage Car Insurance in Colbert

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 Colbert is USAA at $149 per month and $888 for six months.

Cheapest Full Coverage Car Insurance Quotes in Colbert, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$888	$149
Progressive	$924	$156
Mercury	$1032	$174
State Farm	$1080	$182
Shelter	$1206	$203
American Farmers & Ranchers Mutual	$1224	$208
Farmers	$1259	$212
Oklahoma Farm Bureau	$1296	$220
AFR Group	$1494	$249
Farm Bureau	$1518	$259
Allstate	$1818	$306

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Average Car Insurance in Colbert 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 Colbert, OK increasing?

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

Car Insurance Premiums by Age in Colbert

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	$721
30s	USAA	$559
40s	USAA	$512
50s	USAA	$491
60s	USAA	$502
70s	USAA	$580

Cheapest Car Insurance Rates for Teen Drivers in Colbert,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Colbert at $37 per month. At $251 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	$222	$37
USAA	$1242	$209
Progressive	$2165	$365
State Farm	$2190	$369
Mercury	$2838	$478
Shelter	$3228	$543
Oklahoma Farm Bureau	$3965	$675
Farm Bureau	$4440	$740
Allstate	$4914	$827
Farmers	$5718	$963
American Farmers & Ranchers	$251	$42

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 Colbert.

As young drivers face the highest rates in Colbert, USAA offers the cheapest auto insurance rates at $721 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 Colbert, Oklahoma Farm Bureau is the cheapest car insurance provider. At $324 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 Colbert is State Farm, offering rates of around $5922 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$324	$54
Progressive	$762	$128
Mercury	$1296	$218
USAA	$1296	$220
Farm Bureau	$1524	$254
Shelter	$2502	$425
Farmers	$2730	$455
Allstate	$2808	$478
State Farm	$5922	$987

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

Car Insurance Rates with An Accident in Colbert

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

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

The cheapest car insurance companies after an at-fault accident in Colbert include American Farmers & Ranchers Mutual and AFR Group, offering $156 and $366, respectively. Allstate is an expensive provider with an average six-month premium of $2508.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$156	$26
AFR Group	$366	$63
State Farm	$642	$108
USAA	$696	$117
Mercury	$840	$141
Oklahoma Farm Bureau	$864	$145
Progressive	$900	$152
Shelter	$1572	$265
Farm Bureau	$1650	$275
Farmers	$2202	$371
Allstate	$2508	$422

Colbert Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Colbert OK. For example, the car insurance in Colbert after a DUI increases to $636 for a six month policy. While the rate increases by $288 for a six-month policy in the case of a speeding ticket.

Colbert auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1200	$200
One comp claim	$1224	$208
One Med/PIP claim	$1224	$204
Two Med/PIP claims	$1236	$210
Not-at-fault accident	$1242	$207
Two comp claims	$1248	$212
Failure to show documents	$1326	$221
Failure to wear a seat belt	$1368	$232
Child safety restraint	$1374	$229
Driving without lights	$1374	$233
Driving with expired registration	$1398	$233
Cell phone violation	$1416	$240
Driving too slowly	$1416	$236
Speeding in school zone	$1416	$240
Texting while driving	$1416	$236
Failure to yield	$1428	$242
Failure to stop at a red light	$1434	$239
Following too closely	$1440	$244
Illegal turn	$1440	$240
Wrong way/wrong lane	$1451	$246
Improper passing	$1457	$243
In 65 MPH zone	$1482	$251
Speeding 11 - 15 MPH over limit	$1488	$248
Speeding 6 - 10 MPH over limit	$1488	$253
Passing school bus	$1494	$249
Speeding 16 - 20 MPH over limit	$1494	$254
Open container	$1518	$253
Speeding 21 - 25 MPH over limit	$1530	$261
At-fault accident - less than $1000	$1536	$256
Operating a vehicle without permission	$1620	$276
At-fault accident - $1000-$2000	$1632	$272
At-fault accident - greater than $2000	$1632	$278
Reckless driving	$1770	$295
Refusal to submit to a chemical test	$1812	$308
DUI	$1836	$306
Racing	$1890	$321
Driving with a suspended license	$1992	$332
Leaving scene of an accident/hit and run	$1992	$338

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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 Colbert 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 Colbert.

The cheapest car insurance premiums in Colbert are offered by Progressive at $666 for a six-month policy. However, it can be as expensive as $2346 with companies like Farm Bureau.

Colbert car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$666	$112
Mercury	$804	$135
State Farm	$1038	$175
USAA	$1055	$178
Shelter	$1782	$300
Oklahoma Farm Bureau	$1980	$330
Farmers	$2250	$379
Allstate	$2322	$391
Farm Bureau	$2346	$399

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 Colbert are offered by Oklahoma Farm Bureau at $294. However, it can be as expensive as $2261 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Colbert after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$294	$49
Progressive	$642	$108
State Farm	$696	$117
USAA	$882	$149
Mercury	$1098	$185
Shelter	$1470	$249
Farm Bureau	$1518	$253
Allstate	$2184	$372
Farmers	$2261	$377

Car Insurance Price Trends in Colbert, Oklahoma

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

The average cost of full coverage in the Colbert rose by $245 in January compared to $224 of December. In other words, there has been an increase by $21 when you compare January and December.

The average cost of liability insurance in the Colbert dipped to $46 in January, compared to $47 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 Colbert?

The car insurance in Colbert is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Colbert?

The cheapest car insurance in Colbert is $149 per month for full coverage.

How much is car insurance in Colbert for teenagers?

Car insurance for teenagers costs $222 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 Colbert?

The average cost of car insurance is $1236 for a six-month policy. It will cost around $210 per month to insure your car in Colbert.

Is car insurance expensive in Colbert?

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

Cheapest Car Insurance Quotes in Colbert

Why you can trust Way?

How Much Is Car Insurance in Colbert

Avg. Car Insurance in Colbert

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Colbert

1st place: USAA

2nd place: Progressive

3rd place: Mercury

Colbert Car Insurance Rates by Company

Cheap Car Insurance Companies in Colbert, OK

Way's key takeaways about car insurance in Colbert

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Colbert

Cheapest Liability Coverage in Colbert, OK

Cheapest Full Coverage Car Insurance in Colbert

Cheapest Full Coverage Car Insurance Quotes in Colbert, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Colbert by Rating Factor

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

Car Insurance Premiums by Age in Colbert

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Colbert,OK

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

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 Colbert

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

Colbert Car Insurance Rates by Violation

Colbert auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Colbert after a DUI

Colbert car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Colbert after Speeding ticket

Car Insurance Price Trends in Colbert, Oklahoma

Average Car Insurance Cost in Colbert by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Colbert, OK

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

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