Cheapest Car Insurance Quotes in Dougherty

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Dougherty 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 Dougherty

The car insurance rate in Dougherty is $1179 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $820, making it a popular choice for budget-conscious drivers. Rates in Dougherty 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 Dougherty

$1179

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Dougherty

1st place: Mercury

At $820 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $861 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $956 for six months, making it the third cheapest auto insurance company in Dougherty.

Dougherty Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dougherty, OK is Mercury, offering policies at just $820 for a six-month term. This is followed by USAA, which has an average six-month premium of $861.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1651 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dougherty drivers find the best deals.

Cheap Car Insurance Companies in Dougherty, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$820	$138
USAA	$861	$145
Progressive	$956	$161
State Farm	$998	$168
Shelter	$1087	$183
American Farmers & Ranchers Mutual	$1212	$206
Farm Bureau	$1277	$213
Oklahoma Farm Bureau	$1283	$218
Farmers	$1354	$228
AFR Group	$1479	$251
Allstate	$1651	$278

Key Takeaways

Way's key takeaways about car insurance in Dougherty

The auto insurance costs in Dougherty fall around $820 for six months.
The cheapest auto insurance company in Dougherty is Mercury.
Teen drivers pay the highest rate in Dougherty at $42 per month.

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Cheapest Minimum Liability Car Insurance in Dougherty

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 Dougherty are given below.

Mercury provides the cheapest minimum car insurance coverage in Dougherty. Their Average 6 Month Premium is $143. Allstate is the most expensive at $576 for the same period.

Cheapest Liability Coverage in Dougherty, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$143	$24
American Farmers & Ranchers Mutual	$160	$27
USAA	$190	$32
AFR Group	$226	$38
State Farm	$238	$40
Progressive	$244	$41
Shelter	$291	$49
Oklahoma Farm Bureau	$327	$54
Farm Bureau	$362	$62
Farmers	$535	$90
Allstate	$576	$97

Cheapest Full Coverage Car Insurance in Dougherty

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 Dougherty is Mercury at $138 per month and $820 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dougherty, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$820	$138
USAA	$861	$145
Progressive	$956	$161
State Farm	$998	$168
Shelter	$1087	$183
American Farmers & Ranchers Mutual	$1212	$206
Farm Bureau	$1277	$213
Oklahoma Farm Bureau	$1283	$218
Farmers	$1354	$228
AFR Group	$1479	$251
Allstate	$1651	$278

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Average Car Insurance in Dougherty 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 Dougherty, OK increasing?

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

Car Insurance Premiums by Age in Dougherty

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	$733
30s	USAA	$568
40s	USAA	$520
50s	USAA	$499
60s	USAA	$510
70s	USAA	$589

Cheapest Car Insurance Rates for Teen Drivers in Dougherty,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Dougherty at $37 per month. At $249 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	$220	$37
Mercury	$226	$38
USAA	$1170	$197
State Farm	$1841	$310
Progressive	$2323	$391
Shelter	$2928	$493
Farm Bureau	$3819	$649
Oklahoma Farm Bureau	$3926	$654
Allstate	$4621	$778
Farmers	$6748	$1136
American Farmers & Ranchers	$249	$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 Dougherty.

As young drivers face the highest rates in Dougherty, USAA offers the cheapest auto insurance rates at $733 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 Dougherty, Mercury is the cheapest car insurance provider. At $190 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 Dougherty is State Farm, offering rates of around $3303 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$190	$32
Oklahoma Farm Bureau	$321	$55
Progressive	$891	$150
USAA	$1146	$195
Farm Bureau	$1283	$214
Shelter	$2055	$349
Allstate	$2281	$380
Farmers	$3279	$558
State Farm	$3303	$550

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

Car Insurance Rates with An Accident in Dougherty

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

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

The cheapest car insurance companies after an at-fault accident in Dougherty include American Farmers & Ranchers Mutual and Mercury, offering $154 and $291, respectively. Farmers is an expensive provider with an average six-month premium of $2525.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$154	$26
Mercury	$291	$49
AFR Group	$362	$60
State Farm	$564	$95
USAA	$659	$111
Oklahoma Farm Bureau	$855	$144
Progressive	$944	$159
Farm Bureau	$1396	$237
Shelter	$1426	$240
Allstate	$2299	$387
Farmers	$2525	$425

Dougherty Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dougherty OK. For example, the car insurance in Dougherty after a DUI increases to $630 for a six month policy. While the rate increases by $285 for a six-month policy in the case of a speeding ticket.

Dougherty auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1188	$198
One comp claim	$1212	$206
One Med/PIP claim	$1212	$202
Two Med/PIP claims	$1224	$208
Not-at-fault accident	$1230	$205
Two comp claims	$1236	$210
Failure to show documents	$1313	$219
Failure to wear a seat belt	$1354	$230
Child safety restraint	$1360	$227
Driving without lights	$1360	$231
Driving with expired registration	$1384	$231
Cell phone violation	$1402	$238
Driving too slowly	$1402	$234
Speeding in school zone	$1402	$238
Texting while driving	$1402	$234
Failure to yield	$1414	$240
Failure to stop at a red light	$1420	$237
Following too closely	$1426	$242
Illegal turn	$1426	$238
Wrong way/wrong lane	$1437	$244
Improper passing	$1443	$241
In 65 MPH zone	$1467	$249
Speeding 11 - 15 MPH over limit	$1473	$246
Speeding 6 - 10 MPH over limit	$1473	$250
Passing school bus	$1479	$247
Speeding 16 - 20 MPH over limit	$1479	$251
Open container	$1503	$250
Speeding 21 - 25 MPH over limit	$1515	$258
At-fault accident - less than $1000	$1521	$253
Operating a vehicle without permission	$1604	$273
At-fault accident - $1000-$2000	$1616	$269
At-fault accident - greater than $2000	$1616	$275
Reckless driving	$1752	$292
Refusal to submit to a chemical test	$1794	$305
DUI	$1818	$303
Racing	$1871	$318
Driving with a suspended license	$1972	$329
Leaving scene of an accident/hit and run	$1972	$335

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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 Dougherty 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 Dougherty.

The cheapest car insurance premiums in Dougherty are offered by Mercury at $267 for a six-month policy. However, it can be as expensive as $2287 with companies like Farmers.

Dougherty car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$267	$45
Progressive	$677	$114
State Farm	$855	$144
USAA	$992	$167
Shelter	$1616	$272
Oklahoma Farm Bureau	$1960	$327
Farm Bureau	$2014	$342
Allstate	$2150	$362
Farmers	$2287	$385

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 Dougherty are offered by Mercury at $208. However, it can be as expensive as $2738 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Dougherty after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$208	$35
Oklahoma Farm Bureau	$291	$49
State Farm	$505	$85
Progressive	$707	$119
USAA	$772	$129
Shelter	$1212	$206
Farm Bureau	$1277	$213
Allstate	$1746	$297
Farmers	$2738	$456

Car Insurance Price Trends in Dougherty, Oklahoma

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

The average cost of full coverage in the Dougherty rose by $222 in December compared to $218 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 Dougherty rose to $47 in December, compared to $45 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 Dougherty?

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

What is the cheapest car insurance in Dougherty?

The cheapest car insurance in Dougherty is $138 per month for full coverage.

How much is car insurance in Dougherty for teenagers?

Car insurance for teenagers costs $220 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 Dougherty?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $199 per month to insure your car in Dougherty.

Is car insurance expensive in Dougherty?

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

Cheapest Car Insurance Quotes in Dougherty

Why you can trust Way?

How Much Is Car Insurance in Dougherty

Avg. Car Insurance in Dougherty

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Dougherty

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Dougherty Car Insurance Rates by Company

Cheap Car Insurance Companies in Dougherty, OK

Way's key takeaways about car insurance in Dougherty

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dougherty

Cheapest Liability Coverage in Dougherty, OK

Cheapest Full Coverage Car Insurance in Dougherty

Cheapest Full Coverage Car Insurance Quotes in Dougherty, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dougherty by Rating Factor

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

Car Insurance Premiums by Age in Dougherty

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dougherty,OK

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

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 Dougherty

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

Dougherty Car Insurance Rates by Violation

Dougherty auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dougherty after a DUI

Dougherty car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dougherty after Speeding ticket

Car Insurance Price Trends in Dougherty, Oklahoma

Average Car Insurance Cost in Dougherty by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dougherty, OK

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

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