Cheapest Car Insurance Quotes in Harrah

Finding the cheapest car insurance quotes in Harrah shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Harrah 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 Harrah

The car insurance rate in Harrah is $1273 for a six-month policy, which is $94 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $886, making it a popular choice for budget-conscious drivers. Rates in Harrah 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 Harrah

$1273

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Harrah

1st place: Mercury

At $886 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $930 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1032 for six months, making it the third cheapest auto insurance company in Harrah.

Harrah Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Harrah, OK is Mercury, offering policies at just $886 for a six-month term. This is followed by USAA, which has an average six-month premium of $930.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1783 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Harrah drivers find the best deals.

Cheap Car Insurance Companies in Harrah, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$886	$149
USAA	$930	$157
Progressive	$1032	$174
State Farm	$1078	$181
Shelter	$1174	$198
American Farmers & Ranchers Mutual	$1309	$222
Farm Bureau	$1379	$230
Oklahoma Farm Bureau	$1386	$235
Farmers	$1462	$246
AFR Group	$1597	$271
Allstate	$1783	$300

Key Takeaways

Way's key takeaways about car insurance in Harrah

The auto insurance costs in Harrah fall around $886 for six months.
The cheapest auto insurance company in Harrah is Mercury.
Teen drivers pay the highest rate in Harrah at $45 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Harrah

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 Harrah are given below.

Mercury provides the cheapest minimum car insurance coverage in Harrah. Their Average 6 Month Premium is $154. Allstate is the most expensive at $622 for the same period.

Cheapest Liability Coverage in Harrah, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$154	$26
American Farmers & Ranchers Mutual	$173	$29
USAA	$205	$35
AFR Group	$244	$41
State Farm	$257	$43
Progressive	$264	$44
Shelter	$314	$53
Oklahoma Farm Bureau	$353	$58
Farm Bureau	$391	$67
Farmers	$578	$97
Allstate	$622	$105

Cheapest Full Coverage Car Insurance in Harrah

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 Harrah is Mercury at $149 per month and $886 for six months.

Cheapest Full Coverage Car Insurance Quotes in Harrah, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$886	$149
USAA	$930	$157
Progressive	$1032	$174
State Farm	$1078	$181
Shelter	$1174	$198
American Farmers & Ranchers Mutual	$1309	$222
Farm Bureau	$1379	$230
Oklahoma Farm Bureau	$1386	$235
Farmers	$1462	$246
AFR Group	$1597	$271
Allstate	$1783	$300

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Harrah Instantly!

Average Car Insurance in Harrah 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 Harrah, OK increasing?

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

Car Insurance Premiums by Age in Harrah

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	$792
30s	USAA	$613
40s	USAA	$562
50s	USAA	$539
60s	USAA	$551
70s	USAA	$636

Cheapest Car Insurance Rates for Teen Drivers in Harrah,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Harrah at $40 per month. At $269 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	$238	$40
Mercury	$244	$41
USAA	$1264	$213
State Farm	$1988	$335
Progressive	$2509	$422
Shelter	$3162	$532
Farm Bureau	$4125	$701
Oklahoma Farm Bureau	$4240	$706
Allstate	$4991	$840
Farmers	$7288	$1227
American Farmers & Ranchers	$269	$45

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 Harrah.

As young drivers face the highest rates in Harrah, USAA offers the cheapest auto insurance rates at $792 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 Harrah, Mercury is the cheapest car insurance provider. At $205 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 Harrah is State Farm, offering rates of around $3567 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$205	$35
Oklahoma Farm Bureau	$347	$59
Progressive	$962	$162
USAA	$1238	$211
Farm Bureau	$1386	$231
Shelter	$2219	$377
Allstate	$2463	$410
Farmers	$3541	$603
State Farm	$3567	$594

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Harrah

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

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

The cheapest car insurance companies after an at-fault accident in Harrah include American Farmers & Ranchers Mutual and Mercury, offering $166 and $314, respectively. Farmers is an expensive provider with an average six-month premium of $2727.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$166	$28
Mercury	$314	$53
AFR Group	$391	$65
State Farm	$609	$103
USAA	$712	$120
Oklahoma Farm Bureau	$923	$156
Progressive	$1020	$172
Farm Bureau	$1508	$256
Shelter	$1540	$259
Allstate	$2483	$418
Farmers	$2727	$459

Harrah Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Harrah OK. For example, the car insurance in Harrah after a DUI increases to $680 for a six month policy. While the rate increases by $308 for a six-month policy in the case of a speeding ticket.

Harrah auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1283	$214
One comp claim	$1309	$222
One Med/PIP claim	$1309	$218
Two Med/PIP claims	$1322	$225
Not-at-fault accident	$1328	$221
Two comp claims	$1335	$227
Failure to show documents	$1418	$237
Failure to wear a seat belt	$1462	$248
Child safety restraint	$1469	$245
Driving without lights	$1469	$249
Driving with expired registration	$1495	$249
Cell phone violation	$1514	$257
Driving too slowly	$1514	$253
Speeding in school zone	$1514	$257
Texting while driving	$1514	$253
Failure to yield	$1527	$259
Failure to stop at a red light	$1534	$256
Following too closely	$1540	$261
Illegal turn	$1540	$257
Wrong way/wrong lane	$1552	$264
Improper passing	$1558	$260
In 65 MPH zone	$1584	$269
Speeding 11 - 15 MPH over limit	$1591	$266
Speeding 6 - 10 MPH over limit	$1591	$270
Passing school bus	$1597	$267
Speeding 16 - 20 MPH over limit	$1597	$271
Open container	$1623	$270
Speeding 21 - 25 MPH over limit	$1636	$279
At-fault accident - less than $1000	$1643	$273
Operating a vehicle without permission	$1732	$295
At-fault accident - $1000-$2000	$1745	$291
At-fault accident - greater than $2000	$1745	$297
Reckless driving	$1892	$315
Refusal to submit to a chemical test	$1938	$329
DUI	$1963	$327
Racing	$2021	$343
Driving with a suspended license	$2130	$355
Leaving scene of an accident/hit and run	$2130	$362

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Harrah 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 Harrah.

The cheapest car insurance premiums in Harrah are offered by Mercury at $288 for a six-month policy. However, it can be as expensive as $2470 with companies like Farmers.

Harrah car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$288	$49
Progressive	$731	$123
State Farm	$923	$156
USAA	$1071	$180
Shelter	$1745	$294
Oklahoma Farm Bureau	$2117	$353
Farm Bureau	$2175	$369
Allstate	$2322	$391
Farmers	$2470	$416

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 Harrah are offered by Mercury at $225. However, it can be as expensive as $2957 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Harrah after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$225	$38
Oklahoma Farm Bureau	$314	$53
State Farm	$545	$92
Progressive	$764	$129
USAA	$834	$139
Shelter	$1309	$222
Farm Bureau	$1379	$230
Allstate	$1886	$321
Farmers	$2957	$492

Car Insurance Price Trends in Harrah, Oklahoma

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

The average cost of full coverage in the Harrah rose by $240 in December compared to $235 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Harrah rose to $51 in December, compared to $49 in November. This represents an increase of $2 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Harrah?

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

What is the cheapest car insurance in Harrah?

The cheapest car insurance in Harrah is $149 per month for full coverage.

How much is car insurance in Harrah for teenagers?

Car insurance for teenagers costs $238 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 Harrah?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $215 per month to insure your car in Harrah.

Is car insurance expensive in Harrah?

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

Cheapest Car Insurance Quotes in Harrah

Why you can trust Way?

How Much Is Car Insurance in Harrah

Avg. Car Insurance in Harrah

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Harrah

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Harrah Car Insurance Rates by Company

Cheap Car Insurance Companies in Harrah, OK

Way's key takeaways about car insurance in Harrah

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Harrah

Cheapest Liability Coverage in Harrah, OK

Cheapest Full Coverage Car Insurance in Harrah

Cheapest Full Coverage Car Insurance Quotes in Harrah, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Harrah by Rating Factor

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

Car Insurance Premiums by Age in Harrah

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Harrah,OK

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

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 Harrah

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

Harrah Car Insurance Rates by Violation

Harrah auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Harrah after a DUI

Harrah car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Harrah after Speeding ticket

Car Insurance Price Trends in Harrah, Oklahoma

Average Car Insurance Cost in Harrah by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Harrah, OK

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

Featured Blogs

Data Sources