Cheapest Car Insurance Quotes in Gene Autry

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Gene Autry 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 Gene Autry

The car insurance rate in Gene Autry is $1236 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 $879, making it a popular choice for budget-conscious drivers. Rates in Gene Autry 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 Gene Autry

$1236

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Gene Autry

1st place: USAA

At $879 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $915 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1022 for six months, making it the third cheapest auto insurance company in Gene Autry.

Gene Autry Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gene Autry, OK is USAA, offering policies at just $879 for a six-month term. This is followed by Progressive, which has an average six-month premium of $915.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1800 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gene Autry drivers find the best deals.

Cheap Car Insurance Companies in Gene Autry, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$879	$148
Progressive	$915	$154
Mercury	$1022	$172
State Farm	$1069	$180
Shelter	$1194	$201
American Farmers & Ranchers Mutual	$1212	$206
Farmers	$1247	$210
Oklahoma Farm Bureau	$1283	$218
AFR Group	$1479	$247
Farm Bureau	$1503	$256
Allstate	$1800	$303

Key Takeaways

Way's key takeaways about car insurance in Gene Autry

The auto insurance costs in Gene Autry fall around $879 for six months.
The cheapest auto insurance company in Gene Autry is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Gene Autry at $42 per month.

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Cheapest Minimum Liability Car Insurance in Gene Autry

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 Gene Autry are given below.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Gene Autry. Their Average 6 Month Premium is $160. Allstate is the most expensive at $582 for the same period.

Cheapest Liability Coverage in Gene Autry, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$160	$27
Mercury	$190	$32
USAA	$196	$33
AFR Group	$226	$38
Progressive	$232	$39
State Farm	$255	$43
Shelter	$303	$51
Oklahoma Farm Bureau	$327	$54
Farm Bureau	$368	$63
Farmers	$434	$73
Allstate	$582	$98

Cheapest Full Coverage Car Insurance in Gene Autry

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 Gene Autry is USAA at $148 per month and $879 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gene Autry, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$879	$148
Progressive	$915	$154
Mercury	$1022	$172
State Farm	$1069	$180
Shelter	$1194	$201
American Farmers & Ranchers Mutual	$1212	$206
Farmers	$1247	$210
Oklahoma Farm Bureau	$1283	$218
AFR Group	$1479	$247
Farm Bureau	$1503	$256
Allstate	$1800	$303

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Average Car Insurance in Gene Autry 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 Gene Autry, OK increasing?

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

Car Insurance Premiums by Age in Gene Autry

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	$714
30s	USAA	$553
40s	USAA	$507
50s	USAA	$486
60s	USAA	$497
70s	USAA	$574

Cheapest Car Insurance Rates for Teen Drivers in Gene Autry,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Gene Autry 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
USAA	$1230	$207
Progressive	$2144	$361
State Farm	$2168	$365
Mercury	$2810	$473
Shelter	$3196	$538
Oklahoma Farm Bureau	$3926	$668
Farm Bureau	$4396	$733
Allstate	$4865	$819
Farmers	$5661	$953
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 Gene Autry.

As young drivers face the highest rates in Gene Autry, USAA offers the cheapest auto insurance rates at $714 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 Gene Autry, Oklahoma Farm Bureau is the cheapest car insurance provider. At $321 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 Gene Autry is State Farm, offering rates of around $5863 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$321	$53
Progressive	$754	$127
Mercury	$1283	$216
USAA	$1283	$218
Farm Bureau	$1509	$251
Shelter	$2477	$421
Farmers	$2703	$450
Allstate	$2780	$473
State Farm	$5863	$977

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Car Insurance Rates with An Accident in Gene Autry

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

Cheapest Car Insurance Companies after an At-Fault Accident in Gene Autry

The cheapest car insurance companies after an at-fault accident in Gene Autry include American Farmers & Ranchers Mutual and AFR Group, offering $154 and $362, respectively. Allstate is an expensive provider with an average six-month premium of $2483.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$154	$26
AFR Group	$362	$62
State Farm	$636	$107
USAA	$689	$116
Mercury	$832	$140
Oklahoma Farm Bureau	$855	$144
Progressive	$891	$150
Shelter	$1556	$262
Farm Bureau	$1634	$272
Farmers	$2180	$367
Allstate	$2483	$418

Gene Autry Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gene Autry OK. For example, the car insurance in Gene Autry 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.

Gene Autry 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 Gene Autry 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 Gene Autry.

The cheapest car insurance premiums in Gene Autry are offered by Progressive at $659 for a six-month policy. However, it can be as expensive as $2323 with companies like Farm Bureau.

Gene Autry car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$659	$111
Mercury	$796	$134
State Farm	$1028	$173
USAA	$1045	$176
Shelter	$1764	$297
Oklahoma Farm Bureau	$1960	$327
Farmers	$2228	$375
Allstate	$2299	$387
Farm Bureau	$2323	$395

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 Gene Autry are offered by Oklahoma Farm Bureau at $291. However, it can be as expensive as $2239 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Gene Autry after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$291	$49
Progressive	$636	$107
State Farm	$689	$116
USAA	$873	$148
Mercury	$1087	$183
Shelter	$1455	$247
Farm Bureau	$1503	$250
Allstate	$2162	$368
Farmers	$2239	$373

Car Insurance Price Trends in Gene Autry, Oklahoma

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

The average cost of full coverage in the Gene Autry rose by $243 in January compared to $222 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 Gene Autry 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 Gene Autry?

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

What is the cheapest car insurance in Gene Autry?

The cheapest car insurance in Gene Autry is $148 per month for full coverage.

How much is car insurance in Gene Autry 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 Gene Autry?

The average cost of car insurance is $1236 for a six-month policy. It will cost around $208 per month to insure your car in Gene Autry.

Is car insurance expensive in Gene Autry?

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

Cheapest Car Insurance Quotes in Gene Autry

Why you can trust Way?

How Much Is Car Insurance in Gene Autry

Avg. Car Insurance in Gene Autry

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Gene Autry

1st place: USAA

2nd place: Progressive

3rd place: Mercury

Gene Autry Car Insurance Rates by Company

Cheap Car Insurance Companies in Gene Autry, OK

Way's key takeaways about car insurance in Gene Autry

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Gene Autry

Cheapest Liability Coverage in Gene Autry, OK

Cheapest Full Coverage Car Insurance in Gene Autry

Cheapest Full Coverage Car Insurance Quotes in Gene Autry, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Gene Autry by Rating Factor

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

Car Insurance Premiums by Age in Gene Autry

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Gene Autry,OK

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

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 Gene Autry

Cheapest Car Insurance Companies after an At-Fault Accident in Gene Autry

Gene Autry Car Insurance Rates by Violation

Gene Autry auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Gene Autry after a DUI

Gene Autry car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Gene Autry after Speeding ticket

Car Insurance Price Trends in Gene Autry, Oklahoma

Average Car Insurance Cost in Gene Autry by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Gene Autry, OK

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

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