Cheapest Car Insurance Quotes in Grandfield

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Grandfield Car Insurance

^$ 23

/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 Grandfield

The car insurance rate in Grandfield is $1132 for a six-month policy, which is $47 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $787, making it a popular choice for budget-conscious drivers. Rates in Grandfield 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 Grandfield

$1132

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Grandfield

1st place: Mercury

At $787 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $827 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $918 for six months, making it the third cheapest auto insurance company in Grandfield.

Grandfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grandfield, OK is Mercury, offering policies at just $787 for a six-month term. This is followed by USAA, which has an average six-month premium of $827.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1585 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grandfield drivers find the best deals.

Cheap Car Insurance Companies in Grandfield, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$787	$132
USAA	$827	$139
Progressive	$918	$155
State Farm	$958	$161
Shelter	$1044	$176
American Farmers & Ranchers Mutual	$1164	$198
Farm Bureau	$1226	$204
Oklahoma Farm Bureau	$1232	$209
Farmers	$1300	$219
AFR Group	$1420	$241
Allstate	$1585	$267

Key Takeaways

Way's key takeaways about car insurance in Grandfield

The auto insurance costs in Grandfield fall around $787 for six months.
The cheapest auto insurance company in Grandfield is Mercury.
Teen drivers pay the highest rate in Grandfield at $40 per month.

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Cheapest Minimum Liability Car Insurance in Grandfield

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 Grandfield are given below.

Mercury provides the cheapest minimum car insurance coverage in Grandfield. Their Average 6 Month Premium is $137. Allstate is the most expensive at $553 for the same period.

Cheapest Liability Coverage in Grandfield, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$137	$23
American Farmers & Ranchers Mutual	$154	$26
USAA	$182	$31
AFR Group	$217	$36
State Farm	$228	$38
Progressive	$234	$39
Shelter	$279	$47
Oklahoma Farm Bureau	$314	$52
Farm Bureau	$348	$60
Farmers	$514	$86
Allstate	$553	$93

Cheapest Full Coverage Car Insurance in Grandfield

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 Grandfield is Mercury at $132 per month and $787 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grandfield, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$787	$132
USAA	$827	$139
Progressive	$918	$155
State Farm	$958	$161
Shelter	$1044	$176
American Farmers & Ranchers Mutual	$1164	$198
Farm Bureau	$1226	$204
Oklahoma Farm Bureau	$1232	$209
Farmers	$1300	$219
AFR Group	$1420	$241
Allstate	$1585	$267

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Average Car Insurance in Grandfield 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 Grandfield, OK increasing?

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

Car Insurance Premiums by Age in Grandfield

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	$704
30s	USAA	$545
40s	USAA	$499
50s	USAA	$479
60s	USAA	$490
70s	USAA	$565

Cheapest Car Insurance Rates for Teen Drivers in Grandfield,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Grandfield at $36 per month. At $239 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	$211	$36
Mercury	$217	$36
USAA	$1123	$189
State Farm	$1767	$298
Progressive	$2230	$375
Shelter	$2811	$473
Farm Bureau	$3666	$623
Oklahoma Farm Bureau	$3769	$628
Allstate	$4436	$747
Farmers	$6478	$1091
American Farmers & Ranchers	$239	$40

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 Grandfield.

As young drivers face the highest rates in Grandfield, USAA offers the cheapest auto insurance rates at $704 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 Grandfield, Mercury is the cheapest car insurance provider. At $182 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 Grandfield is State Farm, offering rates of around $3171 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$182	$31
Oklahoma Farm Bureau	$308	$53
Progressive	$855	$144
USAA	$1100	$187
Farm Bureau	$1232	$205
Shelter	$1973	$335
Allstate	$2190	$365
Farmers	$3148	$536
State Farm	$3171	$528

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Car Insurance Rates with An Accident in Grandfield

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

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

The cheapest car insurance companies after an at-fault accident in Grandfield include American Farmers & Ranchers Mutual and Mercury, offering $148 and $279, respectively. Farmers is an expensive provider with an average six-month premium of $2424.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$148	$25
Mercury	$279	$47
AFR Group	$348	$58
State Farm	$541	$91
USAA	$633	$107
Oklahoma Farm Bureau	$821	$138
Progressive	$906	$153
Farm Bureau	$1340	$228
Shelter	$1369	$230
Allstate	$2207	$372
Farmers	$2424	$408

Grandfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grandfield OK. For example, the car insurance in Grandfield after a DUI increases to $605 for a six month policy. While the rate increases by $274 for a six-month policy in the case of a speeding ticket.

Grandfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1140	$190
One comp claim	$1164	$198
One Med/PIP claim	$1164	$194
Two Med/PIP claims	$1175	$200
Not-at-fault accident	$1181	$197
Two comp claims	$1187	$202
Failure to show documents	$1260	$210
Failure to wear a seat belt	$1300	$221
Child safety restraint	$1306	$218
Driving without lights	$1306	$222
Driving with expired registration	$1329	$222
Cell phone violation	$1346	$228
Driving too slowly	$1346	$225
Speeding in school zone	$1346	$228
Texting while driving	$1346	$225
Failure to yield	$1357	$230
Failure to stop at a red light	$1363	$228
Following too closely	$1369	$232
Illegal turn	$1369	$228
Wrong way/wrong lane	$1380	$234
Improper passing	$1385	$231
In 65 MPH zone	$1408	$239
Speeding 11 - 15 MPH over limit	$1414	$236
Speeding 6 - 10 MPH over limit	$1414	$240
Passing school bus	$1420	$237
Speeding 16 - 20 MPH over limit	$1420	$241
Open container	$1443	$240
Speeding 21 - 25 MPH over limit	$1454	$248
At-fault accident - less than $1000	$1460	$243
Operating a vehicle without permission	$1540	$262
At-fault accident - $1000-$2000	$1551	$258
At-fault accident - greater than $2000	$1551	$264
Reckless driving	$1682	$280
Refusal to submit to a chemical test	$1722	$293
DUI	$1745	$291
Racing	$1796	$305
Driving with a suspended license	$1893	$316
Leaving scene of an accident/hit and run	$1893	$322

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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 Grandfield 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 Grandfield.

The cheapest car insurance premiums in Grandfield are offered by Mercury at $256 for a six-month policy. However, it can be as expensive as $2196 with companies like Farmers.

Grandfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$256	$43
Progressive	$650	$109
State Farm	$821	$138
USAA	$952	$160
Shelter	$1551	$261
Oklahoma Farm Bureau	$1882	$314
Farm Bureau	$1933	$328
Allstate	$2064	$348
Farmers	$2196	$370

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 Grandfield are offered by Mercury at $200. However, it can be as expensive as $2628 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Grandfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$200	$34
Oklahoma Farm Bureau	$279	$47
State Farm	$485	$82
Progressive	$679	$114
USAA	$741	$124
Shelter	$1164	$198
Farm Bureau	$1226	$204
Allstate	$1676	$285
Farmers	$2628	$438

Car Insurance Price Trends in Grandfield, Oklahoma

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

The average cost of full coverage in the Grandfield rose by $213 in December compared to $209 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 Grandfield rose to $45 in December, compared to $43 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 Grandfield?

The car insurance in Grandfield is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Grandfield?

The cheapest car insurance in Grandfield is $132 per month for full coverage.

How much is car insurance in Grandfield for teenagers?

Car insurance for teenagers costs $211 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 Grandfield?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $191 per month to insure your car in Grandfield.

Is car insurance expensive in Grandfield?

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

Cheapest Car Insurance Quotes in Grandfield

Why you can trust Way?

How Much Is Car Insurance in Grandfield

Avg. Car Insurance in Grandfield

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Grandfield

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Grandfield Car Insurance Rates by Company

Cheap Car Insurance Companies in Grandfield, OK

Way's key takeaways about car insurance in Grandfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Grandfield

Cheapest Liability Coverage in Grandfield, OK

Cheapest Full Coverage Car Insurance in Grandfield

Cheapest Full Coverage Car Insurance Quotes in Grandfield, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Grandfield by Rating Factor

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

Car Insurance Premiums by Age in Grandfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Grandfield,OK

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

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 Grandfield

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

Grandfield Car Insurance Rates by Violation

Grandfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Grandfield after a DUI

Grandfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Grandfield after Speeding ticket

Car Insurance Price Trends in Grandfield, Oklahoma

Average Car Insurance Cost in Grandfield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Grandfield, OK

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

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