Cheapest Car Insurance Quotes in Eufaula

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Eufaula 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 Eufaula

The car insurance rate in Eufaula is $1199 for a six-month policy, which is $37 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $853, making it a popular choice for budget-conscious drivers. Rates in Eufaula 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 Eufaula

$1199

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Eufaula

1st place: USAA

At $853 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $888 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $991 for six months, making it the third cheapest auto insurance company in Eufaula.

Eufaula Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Eufaula, OK is USAA, offering policies at just $853 for a six-month term. This is followed by Progressive, which has an average six-month premium of $888.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1746 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Eufaula drivers find the best deals.

Cheap Car Insurance Companies in Eufaula, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$853	$144
Progressive	$888	$149
Mercury	$991	$167
State Farm	$1037	$175
Shelter	$1158	$195
American Farmers & Ranchers Mutual	$1176	$200
Farmers	$1210	$204
Oklahoma Farm Bureau	$1245	$211
AFR Group	$1435	$240
Farm Bureau	$1458	$248
Allstate	$1746	$294

Key Takeaways

Way's key takeaways about car insurance in Eufaula

The auto insurance costs in Eufaula fall around $853 for six months.
The cheapest auto insurance company in Eufaula is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Eufaula at $41 per month.

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Cheapest Minimum Liability Car Insurance in Eufaula

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 Eufaula are given below.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Eufaula. Their Average 6 Month Premium is $155. Allstate is the most expensive at $565 for the same period.

Cheapest Liability Coverage in Eufaula, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$155	$26
Mercury	$184	$31
USAA	$190	$32
AFR Group	$219	$37
Progressive	$225	$38
State Farm	$247	$42
Shelter	$294	$49
Oklahoma Farm Bureau	$317	$52
Farm Bureau	$357	$61
Farmers	$421	$71
Allstate	$565	$95

Cheapest Full Coverage Car Insurance in Eufaula

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 Eufaula is USAA at $144 per month and $853 for six months.

Cheapest Full Coverage Car Insurance Quotes in Eufaula, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$853	$144
Progressive	$888	$149
Mercury	$991	$167
State Farm	$1037	$175
Shelter	$1158	$195
American Farmers & Ranchers Mutual	$1176	$200
Farmers	$1210	$204
Oklahoma Farm Bureau	$1245	$211
AFR Group	$1435	$240
Farm Bureau	$1458	$248
Allstate	$1746	$294

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Average Car Insurance in Eufaula 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 Eufaula, OK increasing?

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

Car Insurance Premiums by Age in Eufaula

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	$693
30s	USAA	$536
40s	USAA	$492
50s	USAA	$471
60s	USAA	$482
70s	USAA	$557

Cheapest Car Insurance Rates for Teen Drivers in Eufaula,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Eufaula at $36 per month. At $242 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	$213	$36
USAA	$1193	$201
Progressive	$2080	$350
State Farm	$2103	$354
Mercury	$2726	$459
Shelter	$3100	$522
Oklahoma Farm Bureau	$3808	$648
Farm Bureau	$4264	$711
Allstate	$4719	$794
Farmers	$5491	$924
American Farmers & Ranchers	$242	$41

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 Eufaula.

As young drivers face the highest rates in Eufaula, USAA offers the cheapest auto insurance rates at $693 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 Eufaula, Oklahoma Farm Bureau is the cheapest car insurance provider. At $311 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 Eufaula is State Farm, offering rates of around $5687 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$311	$51
Progressive	$731	$123
Mercury	$1245	$210
USAA	$1245	$211
Farm Bureau	$1464	$243
Shelter	$2403	$408
Farmers	$2622	$437
Allstate	$2697	$459
State Farm	$5687	$948

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Eufaula

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

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

The cheapest car insurance companies after an at-fault accident in Eufaula include American Farmers & Ranchers Mutual and AFR Group, offering $149 and $351, respectively. Allstate is an expensive provider with an average six-month premium of $2409.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$149	$25
AFR Group	$351	$60
State Farm	$617	$104
USAA	$668	$113
Mercury	$807	$136
Oklahoma Farm Bureau	$829	$140
Progressive	$864	$146
Shelter	$1509	$254
Farm Bureau	$1585	$264
Farmers	$2115	$356
Allstate	$2409	$405

Eufaula Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Eufaula OK. For example, the car insurance in Eufaula after a DUI increases to $611 for a six month policy. While the rate increases by $277 for a six-month policy in the case of a speeding ticket.

Eufaula auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1152	$192
One comp claim	$1176	$200
One Med/PIP claim	$1176	$196
Two Med/PIP claims	$1187	$202
Not-at-fault accident	$1193	$199
Two comp claims	$1199	$204
Failure to show documents	$1274	$212
Failure to wear a seat belt	$1313	$223
Child safety restraint	$1319	$220
Driving without lights	$1319	$224
Driving with expired registration	$1342	$224
Cell phone violation	$1360	$231
Driving too slowly	$1360	$227
Speeding in school zone	$1360	$231
Texting while driving	$1360	$227
Failure to yield	$1372	$233
Failure to stop at a red light	$1377	$230
Following too closely	$1383	$235
Illegal turn	$1383	$231
Wrong way/wrong lane	$1394	$237
Improper passing	$1400	$234
In 65 MPH zone	$1423	$242
Speeding 11 - 15 MPH over limit	$1429	$239
Speeding 6 - 10 MPH over limit	$1429	$243
Passing school bus	$1435	$240
Speeding 16 - 20 MPH over limit	$1435	$243
Open container	$1458	$243
Speeding 21 - 25 MPH over limit	$1470	$250
At-fault accident - less than $1000	$1475	$245
Operating a vehicle without permission	$1556	$265
At-fault accident - $1000-$2000	$1568	$261
At-fault accident - greater than $2000	$1568	$267
Reckless driving	$1699	$283
Refusal to submit to a chemical test	$1740	$296
DUI	$1763	$294
Racing	$1815	$308
Driving with a suspended license	$1913	$319
Leaving scene of an accident/hit and run	$1913	$325

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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 Eufaula 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 Eufaula.

The cheapest car insurance premiums in Eufaula are offered by Progressive at $639 for a six-month policy. However, it can be as expensive as $2253 with companies like Farm Bureau.

Eufaula car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$639	$108
Mercury	$772	$130
State Farm	$997	$168
USAA	$1014	$171
Shelter	$1711	$288
Oklahoma Farm Bureau	$1901	$317
Farmers	$2161	$364
Allstate	$2230	$375
Farm Bureau	$2253	$383

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 Eufaula are offered by Oklahoma Farm Bureau at $282. However, it can be as expensive as $2172 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Eufaula after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$282	$48
Progressive	$617	$104
State Farm	$668	$113
USAA	$847	$144
Mercury	$1054	$178
Shelter	$1411	$240
Farm Bureau	$1458	$243
Allstate	$2097	$357
Farmers	$2172	$362

Car Insurance Price Trends in Eufaula, Oklahoma

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

The average cost of full coverage in the Eufaula rose by $236 in January compared to $215 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 Eufaula dipped to $45 in January, compared to $46 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 Eufaula?

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

What is the cheapest car insurance in Eufaula?

The cheapest car insurance in Eufaula is $144 per month for full coverage.

How much is car insurance in Eufaula for teenagers?

Car insurance for teenagers costs $213 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 Eufaula?

The average cost of car insurance is $1236 for a six-month policy. It will cost around $202 per month to insure your car in Eufaula.

Is car insurance expensive in Eufaula?

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

Cheapest Car Insurance Quotes in Eufaula

Why you can trust Way?

How Much Is Car Insurance in Eufaula

Avg. Car Insurance in Eufaula

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Eufaula

1st place: USAA

2nd place: Progressive

3rd place: Mercury

Eufaula Car Insurance Rates by Company

Cheap Car Insurance Companies in Eufaula, OK

Way's key takeaways about car insurance in Eufaula

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Eufaula

Cheapest Liability Coverage in Eufaula, OK

Cheapest Full Coverage Car Insurance in Eufaula

Cheapest Full Coverage Car Insurance Quotes in Eufaula, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Eufaula by Rating Factor

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

Car Insurance Premiums by Age in Eufaula

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Eufaula,OK

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

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 Eufaula

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

Eufaula Car Insurance Rates by Violation

Eufaula auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Eufaula after a DUI

Eufaula car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Eufaula after Speeding ticket

Car Insurance Price Trends in Eufaula, Oklahoma

Average Car Insurance Cost in Eufaula by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Eufaula, OK

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

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