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Grove Car Insurance
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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.
The car insurance rate in Grove is $1211 for a six-month policy, which is $25 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $861, making it a popular choice for budget-conscious drivers. Rates in Grove 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.
At $861 for a six month policy, USAA offers the cheapest auto insurance rates in the city.
Progressive offers auto insurance rates at $897 for a six-month policy, making it one of the cheapest to insure with.
Mercury offers auto insurance rates at $1002 for six months, making it the third cheapest auto insurance company in Grove.
Based on our research, the cheapest car insurance company in Grove, OK is USAA, offering policies at just $861 for a six-month term. This is followed by Progressive, which has an average six-month premium of $897.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1764 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grove drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $861 | $145 |
| Progressive | $897 | $151 |
| Mercury | $1002 | $169 |
| State Farm | $1048 | $176 |
| Shelter | $1170 | $197 |
| American Farmers & Ranchers Mutual | $1188 | $202 |
| Farmers | $1222 | $206 |
| Oklahoma Farm Bureau | $1257 | $214 |
| AFR Group | $1449 | $242 |
| Farm Bureau | $1473 | $251 |
| Allstate | $1764 | $297 |
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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 Grove are given below.
American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Grove. Their Average 6 Month Premium is $157. Allstate is the most expensive at $570 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Farmers & Ranchers Mutual | $157 | $26 |
| Mercury | $186 | $31 |
| USAA | $192 | $32 |
| AFR Group | $221 | $37 |
| Progressive | $227 | $38 |
| State Farm | $250 | $42 |
| Shelter | $297 | $50 |
| Oklahoma Farm Bureau | $320 | $53 |
| Farm Bureau | $361 | $62 |
| Farmers | $425 | $72 |
| Allstate | $570 | $96 |
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 Grove is USAA at $145 per month and $861 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $861 | $145 |
| Progressive | $897 | $151 |
| Mercury | $1002 | $169 |
| State Farm | $1048 | $176 |
| Shelter | $1170 | $197 |
| American Farmers & Ranchers Mutual | $1188 | $202 |
| Farmers | $1222 | $206 |
| Oklahoma Farm Bureau | $1257 | $214 |
| AFR Group | $1449 | $242 |
| Farm Bureau | $1473 | $251 |
| Allstate | $1764 | $297 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Grove, 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, Grove's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | USAA | $700 |
| 30s | USAA | $542 |
| 40s | USAA | $497 |
| 50s | USAA | $476 |
| 60s | USAA | $487 |
| 70s | USAA | $563 |
If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Grove at $36 per month. At $244 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 | $216 | $36 |
| USAA | $1205 | $203 |
| Progressive | $2101 | $354 |
| State Farm | $2125 | $358 |
| Mercury | $2754 | $464 |
| Shelter | $3132 | $527 |
| Oklahoma Farm Bureau | $3847 | $655 |
| Farm Bureau | $4308 | $718 |
| Allstate | $4768 | $803 |
| Farmers | $5548 | $934 |
| American Farmers & Ranchers | $244 | $41 |
Teen Car Insurance Rates in OK by Age
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.
For those with poor credit scores in Grove, Oklahoma Farm Bureau is the cheapest car insurance provider. At $315 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 Grove is State Farm, offering rates of around $5746 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Oklahoma Farm Bureau | $315 | $52 |
| Progressive | $739 | $124 |
| Mercury | $1257 | $212 |
| USAA | $1257 | $214 |
| Farm Bureau | $1479 | $246 |
| Shelter | $2427 | $413 |
| Farmers | $2649 | $441 |
| Allstate | $2724 | $464 |
| State Farm | $5746 | $957 |
Save up to $971/yr on car insurance rates in Grove.
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 Grove, OK, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Grove include American Farmers & Ranchers Mutual and AFR Group, offering $151 and $355, respectively. Allstate is an expensive provider with an average six-month premium of $2433.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Farmers & Ranchers Mutual | $151 | $25 |
| AFR Group | $355 | $61 |
| State Farm | $623 | $105 |
| USAA | $675 | $114 |
| Mercury | $815 | $137 |
| Oklahoma Farm Bureau | $838 | $141 |
| Progressive | $873 | $147 |
| Shelter | $1525 | $257 |
| Farm Bureau | $1601 | $267 |
| Farmers | $2136 | $360 |
| Allstate | $2433 | $410 |
Here is a list of driving violations that can increase your car insurance rates in Grove OK. For example, the car insurance in Grove after a DUI increases to $618 for a six month policy. While the rate increases by $280 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1164 | $194 |
| One comp claim | $1188 | $202 |
| One Med/PIP claim | $1188 | $198 |
| Two Med/PIP claims | $1200 | $204 |
| Not-at-fault accident | $1205 | $201 |
| Two comp claims | $1211 | $206 |
| Failure to show documents | $1287 | $215 |
| Failure to wear a seat belt | $1327 | $225 |
| Child safety restraint | $1333 | $222 |
| Driving without lights | $1333 | $226 |
| Driving with expired registration | $1356 | $226 |
| Cell phone violation | $1374 | $233 |
| Driving too slowly | $1374 | $229 |
| Speeding in school zone | $1374 | $233 |
| Texting while driving | $1374 | $229 |
| Failure to yield | $1386 | $235 |
| Failure to stop at a red light | $1392 | $232 |
| Following too closely | $1397 | $237 |
| Illegal turn | $1397 | $233 |
| Wrong way/wrong lane | $1408 | $239 |
| Improper passing | $1414 | $236 |
| In 65 MPH zone | $1438 | $244 |
| Speeding 11 - 15 MPH over limit | $1444 | $241 |
| Speeding 6 - 10 MPH over limit | $1444 | $245 |
| Passing school bus | $1449 | $242 |
| Speeding 16 - 20 MPH over limit | $1449 | $246 |
| Open container | $1473 | $245 |
| Speeding 21 - 25 MPH over limit | $1485 | $253 |
| At-fault accident - less than $1000 | $1491 | $248 |
| Operating a vehicle without permission | $1572 | $268 |
| At-fault accident - $1000-$2000 | $1584 | $264 |
| At-fault accident - greater than $2000 | $1584 | $270 |
| Reckless driving | $1717 | $286 |
| Refusal to submit to a chemical test | $1758 | $299 |
| DUI | $1782 | $297 |
| Racing | $1834 | $312 |
| Driving with a suspended license | $1933 | $322 |
| Leaving scene of an accident/hit and run | $1933 | $328 |
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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.
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 Grove.
The cheapest car insurance premiums in Grove are offered by Progressive at $646 for a six-month policy. However, it can be as expensive as $2277 with companies like Farm Bureau.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $646 | $109 |
| Mercury | $780 | $131 |
| State Farm | $1007 | $170 |
| USAA | $1024 | $172 |
| Shelter | $1729 | $291 |
| Oklahoma Farm Bureau | $1921 | $320 |
| Farmers | $2183 | $368 |
| Allstate | $2253 | $379 |
| Farm Bureau | $2277 | $387 |
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 Grove are offered by Oklahoma Farm Bureau at $285. However, it can be as expensive as $2194 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Oklahoma Farm Bureau | $285 | $48 |
| Progressive | $623 | $105 |
| State Farm | $675 | $114 |
| USAA | $856 | $145 |
| Mercury | $1065 | $179 |
| Shelter | $1426 | $242 |
| Farm Bureau | $1473 | $245 |
| Allstate | $2119 | $361 |
| Farmers | $2194 | $366 |
Car insurance rates in Grove have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Grove rose by $238 in January compared to $218 of December. In other words, there has been an increase by $20 when you compare January and December.
The average cost of liability insurance in the Grove dipped to $45 in January, compared to $46 in December. This represents an decrease of $1 when comparing January and December.
How much is car insurance in Grove?
The car insurance in Grove is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Grove?
The cheapest car insurance in Grove is $145 per month for full coverage.
How much is car insurance in Grove for teenagers?
Car insurance for teenagers costs $216 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 Grove?
The average cost of car insurance is $1236 for a six-month policy. It will cost around $204 per month to insure your car in Grove.
Is car insurance expensive in Grove?
Car insurance can be expensive in Grove if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Grove can be affordable.
What is the best car insurance in Grove, OK?
The best car insurance company in Grove OK is USAA, offering $861 for a six-month policy.
Cut auto insurance costs in Grove right now.