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Finding the cheapest car insurance quotes in Concho 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.
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 Concho
The car insurance rate in Concho is $1238 for a six-month policy, which is $59 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $861, making it a popular choice for budget-conscious drivers. Rates in Concho 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.
At $861 for a six
month policy, Mercury offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $904 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $1004
for six months, making it
the third cheapest auto insurance company in Concho.
Concho Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Concho, OK is Mercury, offering policies at just $861 for a six-month term. This is followed by USAA, which has an average six-month premium of $904.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1734 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Concho drivers find the best deals.
The auto insurance costs in Concho fall around $861 for six
months.
The cheapest auto insurance company in Concho is Mercury.
Teen drivers pay the highest rate in Concho at $44 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 Concho
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 Concho are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Concho. Their Average 6 Month Premium is $150.
Allstate is the most
expensive at $605 for the same
period.
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 Concho is Mercury
at $145 per month and $861
for six months.
Cheapest Full Coverage Car Insurance Quotes in Concho,
OK
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 Concho, OK increasing?
Despite maintaining a clean driving record, your car insurance rates
in Concho, 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, Concho's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Concho
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
$770
30s
USAA
$596
40s
USAA
$546
50s
USAA
$524
60s
USAA
$536
70s
USAA
$618
Cheapest Car Insurance Rates for Teen Drivers in
Concho,OK
If you are planning to get a car insurance policy for your teenage
dependent, AFR Group provides the cheapest car
insurance in the Concho at $39
per
month. At $261 for a six-month premium,
American Farmers & Ranchers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Concho.
As young drivers face the highest rates in Concho, USAA
offers the cheapest auto insurance rates at $770 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 Concho,
Mercury is
the cheapest car insurance provider. At $200 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
Concho is State Farm, offering
rates of around $3468 for six
months.
Save up to $971/yr on car insurance rates in Concho.
Car Insurance Rates with An Accident in Concho
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 Concho, OK,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Concho
The cheapest car insurance companies after an at-fault accident in
Concho include American Farmers & Ranchers Mutual
and Mercury, offering $162
and $306,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2651.
Here is a list of driving violations that can increase your car
insurance rates in Concho OK. For example, the car
insurance in Concho
after a DUI increases to $662 for a six
month policy. While the rate increases by $300 for a six-month policy in the case of
a speeding ticket.
Concho auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1247
$208
One comp claim
$1273
$216
One Med/PIP claim
$1273
$212
Two Med/PIP claims
$1285
$218
Not-at-fault accident
$1292
$215
Two comp claims
$1298
$221
Failure to show documents
$1379
$230
Failure to wear a seat belt
$1422
$242
Child safety restraint
$1428
$238
Driving without lights
$1428
$243
Driving with expired registration
$1453
$243
Cell phone violation
$1472
$250
Driving too slowly
$1472
$246
Speeding in school zone
$1472
$250
Texting while driving
$1472
$246
Failure to yield
$1485
$252
Failure to stop at a red light
$1491
$249
Following too closely
$1497
$254
Illegal turn
$1497
$250
Wrong way/wrong lane
$1509
$256
Improper passing
$1515
$253
In 65 MPH zone
$1540
$261
Speeding 11 - 15 MPH over limit
$1547
$258
Speeding 6 - 10 MPH over limit
$1547
$263
Passing school bus
$1553
$259
Speeding 16 - 20 MPH over limit
$1553
$264
Open container
$1578
$263
Speeding 21 - 25 MPH over limit
$1591
$271
At-fault accident - less than $1000
$1597
$266
Operating a vehicle without permission
$1684
$287
At-fault accident - $1000-$2000
$1697
$282
At-fault accident - greater than $2000
$1697
$289
Reckless driving
$1840
$307
Refusal to submit to a chemical test
$1884
$320
DUI
$1909
$318
Racing
$1965
$334
Driving with a suspended license
$2071
$345
Leaving scene of an accident/hit and run
$2071
$352
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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 Concho 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 Concho.
The cheapest car insurance premiums in
Concho are
offered by Mercury at $280 for a six-month policy.
However, it can be as
expensive as $2401 with companies
like Farmers.
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 Concho are offered by Mercury
at $218. However,
it can be as expensive as $2875
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Concho after Speeding ticket
Car insurance rates in Concho have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Concho rose by
$233 in December
compared to $229 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 Concho rose to $49 in December,
compared to $47 in November.
This represents an increase of $2
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Concho. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Concho?
The car insurance in Concho is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Concho?
The cheapest car insurance in Concho
is $145 per month
for full coverage.
How much is car insurance in Concho for teenagers?
Car insurance for teenagers costs $231 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
Concho?
The average cost of car insurance is $1179 for a six-month
policy. It will cost around $209 per month to insure your
car in Concho.
Is car insurance expensive in Concho?
Car insurance can be expensive in Concho if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Concho can be
affordable.
What is the best car insurance in Concho,
OK?
The best car insurance company in Concho
OK is
Mercury, offering $861 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Concho, OK
Car Insurance Rates by State in the USA (2025 Update)
Concho Car Insurance
