Cheapest Car Insurance Quotes in Fort Gibson

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Fort Gibson 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 Fort Gibson

The car insurance rate in Fort Gibson is $1167 for a six-month policy, which is $12 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $812, making it a popular choice for budget-conscious drivers. Rates in Fort Gibson 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 Fort Gibson

$1167

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Fort Gibson

1st place: Mercury

At $812 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $852 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $946 for six months, making it the third cheapest auto insurance company in Fort Gibson.

Fort Gibson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Gibson, OK is Mercury, offering policies at just $812 for a six-month term. This is followed by USAA, which has an average six-month premium of $852.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1634 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Gibson drivers find the best deals.

Cheap Car Insurance Companies in Fort Gibson, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$812	$137
USAA	$852	$144
Progressive	$946	$159
State Farm	$988	$166
Shelter	$1076	$181
American Farmers & Ranchers Mutual	$1200	$204
Farm Bureau	$1264	$211
Oklahoma Farm Bureau	$1270	$216
Farmers	$1340	$226
AFR Group	$1464	$248
Allstate	$1634	$275

Key Takeaways

Way's key takeaways about car insurance in Fort Gibson

The auto insurance costs in Fort Gibson fall around $812 for six months.
The cheapest auto insurance company in Fort Gibson is Mercury.
Teen drivers pay the highest rate in Fort Gibson at $42 per month.

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Cheapest Minimum Liability Car Insurance in Fort Gibson

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 Fort Gibson are given below.

Mercury provides the cheapest minimum car insurance coverage in Fort Gibson. Their Average 6 Month Premium is $142. Allstate is the most expensive at $570 for the same period.

Cheapest Liability Coverage in Fort Gibson, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$142	$24
American Farmers & Ranchers Mutual	$158	$27
USAA	$188	$32
AFR Group	$224	$38
State Farm	$236	$40
Progressive	$242	$41
Shelter	$288	$49
Oklahoma Farm Bureau	$324	$53
Farm Bureau	$358	$61
Farmers	$530	$89
Allstate	$570	$96

Cheapest Full Coverage Car Insurance in Fort Gibson

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 Fort Gibson is Mercury at $137 per month and $812 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Gibson, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$812	$137
USAA	$852	$144
Progressive	$946	$159
State Farm	$988	$166
Shelter	$1076	$181
American Farmers & Ranchers Mutual	$1200	$204
Farm Bureau	$1264	$211
Oklahoma Farm Bureau	$1270	$216
Farmers	$1340	$226
AFR Group	$1464	$248
Allstate	$1634	$275

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Average Car Insurance in Fort Gibson 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 Fort Gibson, OK increasing?

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

Car Insurance Premiums by Age in Fort Gibson

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	$726
30s	USAA	$562
40s	USAA	$515
50s	USAA	$494
60s	USAA	$505
70s	USAA	$583

Cheapest Car Insurance Rates for Teen Drivers in Fort Gibson,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Fort Gibson at $37 per month. At $247 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	$218	$37
Mercury	$224	$38
USAA	$1158	$195
State Farm	$1823	$307
Progressive	$2300	$387
Shelter	$2899	$488
Farm Bureau	$3781	$643
Oklahoma Farm Bureau	$3887	$647
Allstate	$4575	$770
Farmers	$6681	$1125
American Farmers & Ranchers	$247	$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 Fort Gibson.

As young drivers face the highest rates in Fort Gibson, USAA offers the cheapest auto insurance rates at $726 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 Fort Gibson, Mercury is the cheapest car insurance provider. At $188 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 Fort Gibson is State Farm, offering rates of around $3270 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$188	$32
Oklahoma Farm Bureau	$318	$54
Progressive	$882	$149
USAA	$1135	$193
Farm Bureau	$1270	$212
Shelter	$2034	$346
Allstate	$2258	$376
Farmers	$3246	$552
State Farm	$3270	$545

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Car Insurance Rates with An Accident in Fort Gibson

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Gibson

The cheapest car insurance companies after an at-fault accident in Fort Gibson include American Farmers & Ranchers Mutual and Mercury, offering $152 and $288, respectively. Farmers is an expensive provider with an average six-month premium of $2500.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$152	$26
Mercury	$288	$49
AFR Group	$358	$59
State Farm	$558	$94
USAA	$652	$110
Oklahoma Farm Bureau	$846	$143
Progressive	$935	$157
Farm Bureau	$1382	$235
Shelter	$1412	$238
Allstate	$2276	$383
Farmers	$2500	$421

Fort Gibson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Gibson OK. For example, the car insurance in Fort Gibson after a DUI increases to $624 for a six month policy. While the rate increases by $282 for a six-month policy in the case of a speeding ticket.

Fort Gibson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1176	$196
One comp claim	$1200	$204
One Med/PIP claim	$1200	$200
Two Med/PIP claims	$1212	$206
Not-at-fault accident	$1218	$203
Two comp claims	$1224	$208
Failure to show documents	$1300	$217
Failure to wear a seat belt	$1340	$228
Child safety restraint	$1346	$225
Driving without lights	$1346	$229
Driving with expired registration	$1370	$229
Cell phone violation	$1388	$236
Driving too slowly	$1388	$232
Speeding in school zone	$1388	$236
Texting while driving	$1388	$232
Failure to yield	$1400	$238
Failure to stop at a red light	$1406	$235
Following too closely	$1412	$240
Illegal turn	$1412	$236
Wrong way/wrong lane	$1423	$242
Improper passing	$1429	$239
In 65 MPH zone	$1452	$247
Speeding 11 - 15 MPH over limit	$1458	$244
Speeding 6 - 10 MPH over limit	$1458	$248
Passing school bus	$1464	$245
Speeding 16 - 20 MPH over limit	$1464	$248
Open container	$1488	$248
Speeding 21 - 25 MPH over limit	$1500	$255
At-fault accident - less than $1000	$1506	$250
Operating a vehicle without permission	$1588	$270
At-fault accident - $1000-$2000	$1600	$266
At-fault accident - greater than $2000	$1600	$272
Reckless driving	$1734	$289
Refusal to submit to a chemical test	$1776	$302
DUI	$1800	$300
Racing	$1852	$315
Driving with a suspended license	$1952	$326
Leaving scene of an accident/hit and run	$1952	$332

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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 Fort Gibson 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 Fort Gibson.

The cheapest car insurance premiums in Fort Gibson are offered by Mercury at $264 for a six-month policy. However, it can be as expensive as $2264 with companies like Farmers.

Fort Gibson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$264	$45
Progressive	$670	$113
State Farm	$846	$143
USAA	$982	$165
Shelter	$1600	$269
Oklahoma Farm Bureau	$1940	$324
Farm Bureau	$1994	$339
Allstate	$2129	$358
Farmers	$2264	$381

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 Fort Gibson are offered by Mercury at $206. However, it can be as expensive as $2711 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Fort Gibson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$206	$35
Oklahoma Farm Bureau	$288	$49
State Farm	$500	$84
Progressive	$700	$118
USAA	$764	$128
Shelter	$1200	$204
Farm Bureau	$1264	$211
Allstate	$1729	$294
Farmers	$2711	$451

Car Insurance Price Trends in Fort Gibson, Oklahoma

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

The average cost of full coverage in the Fort Gibson rose by $220 in December compared to $216 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 Fort Gibson 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 Fort Gibson?

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

What is the cheapest car insurance in Fort Gibson?

The cheapest car insurance in Fort Gibson is $137 per month for full coverage.

How much is car insurance in Fort Gibson for teenagers?

Car insurance for teenagers costs $218 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 Fort Gibson?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $197 per month to insure your car in Fort Gibson.

Is car insurance expensive in Fort Gibson?

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

Cheapest Car Insurance Quotes in Fort Gibson

Why you can trust Way?

How Much Is Car Insurance in Fort Gibson

Avg. Car Insurance in Fort Gibson

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Fort Gibson

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Fort Gibson Car Insurance Rates by Company

Cheap Car Insurance Companies in Fort Gibson, OK

Way's key takeaways about car insurance in Fort Gibson

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fort Gibson

Cheapest Liability Coverage in Fort Gibson, OK

Cheapest Full Coverage Car Insurance in Fort Gibson

Cheapest Full Coverage Car Insurance Quotes in Fort Gibson, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fort Gibson by Rating Factor

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

Car Insurance Premiums by Age in Fort Gibson

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fort Gibson,OK

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

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 Fort Gibson

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Gibson

Fort Gibson Car Insurance Rates by Violation

Fort Gibson auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fort Gibson after a DUI

Fort Gibson car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fort Gibson after Speeding ticket

Car Insurance Price Trends in Fort Gibson, Oklahoma

Average Car Insurance Cost in Fort Gibson by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

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