Cheapest Car Insurance Quotes in Lone Grove

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Lone Grove Car Insurance

^$ 28

/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 Lone Grove

The car insurance rate in Lone Grove is $1261 for a six-month policy, which is $25 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $897, making it a popular choice for budget-conscious drivers. Rates in Lone 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.

Avg. Car Insurance in Lone Grove

$1261

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Lone Grove

1st place: USAA

At $897 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $933 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1042 for six months, making it the third cheapest auto insurance company in Lone Grove.

Lone Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lone Grove, OK is USAA, offering policies at just $897 for a six-month term. This is followed by Progressive, which has an average six-month premium of $933.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1836 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lone Grove drivers find the best deals.

Cheap Car Insurance Companies in Lone Grove, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$897	$151
Progressive	$933	$157
Mercury	$1042	$175
State Farm	$1090	$184
Shelter	$1218	$205
American Farmers & Ranchers Mutual	$1236	$210
Farmers	$1272	$214
Oklahoma Farm Bureau	$1309	$222
AFR Group	$1509	$252
Farm Bureau	$1533	$261
Allstate	$1836	$309

Key Takeaways

Way's key takeaways about car insurance in Lone Grove

The auto insurance costs in Lone Grove fall around $897 for six months.
The cheapest auto insurance company in Lone Grove is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Lone Grove at $43 per month.

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Cheapest Minimum Liability Car Insurance in Lone Grove

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 Lone Grove are given below.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Lone Grove. Their Average 6 Month Premium is $163. Allstate is the most expensive at $594 for the same period.

Cheapest Liability Coverage in Lone Grove, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$163	$28
Mercury	$194	$33
USAA	$200	$34
AFR Group	$231	$39
Progressive	$237	$40
State Farm	$260	$44
Shelter	$309	$52
Oklahoma Farm Bureau	$334	$55
Farm Bureau	$375	$64
Farmers	$443	$74
Allstate	$594	$100

Cheapest Full Coverage Car Insurance in Lone Grove

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 Lone Grove is USAA at $151 per month and $897 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lone Grove, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$897	$151
Progressive	$933	$157
Mercury	$1042	$175
State Farm	$1090	$184
Shelter	$1218	$205
American Farmers & Ranchers Mutual	$1236	$210
Farmers	$1272	$214
Oklahoma Farm Bureau	$1309	$222
AFR Group	$1509	$252
Farm Bureau	$1533	$261
Allstate	$1836	$309

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Average Car Insurance in Lone Grove 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 Lone Grove, OK increasing?

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

Car Insurance Premiums by Age in Lone Grove

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	$728
30s	USAA	$564
40s	USAA	$517
50s	USAA	$496
60s	USAA	$507
70s	USAA	$585

Cheapest Car Insurance Rates for Teen Drivers in Lone Grove,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Lone Grove at $38 per month. At $254 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	$224	$38
USAA	$1255	$211
Progressive	$2187	$368
State Farm	$2211	$372
Mercury	$2866	$482
Shelter	$3260	$549
Oklahoma Farm Bureau	$4005	$681
Farm Bureau	$4484	$748
Allstate	$4962	$835
Farmers	$5774	$972
American Farmers & Ranchers	$254	$43

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 Lone Grove.

As young drivers face the highest rates in Lone Grove, USAA offers the cheapest auto insurance rates at $728 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 Lone Grove, Oklahoma Farm Bureau is the cheapest car insurance provider. At $327 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 Lone Grove is State Farm, offering rates of around $5980 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$327	$54
Progressive	$769	$130
Mercury	$1309	$220
USAA	$1309	$222
Farm Bureau	$1539	$256
Shelter	$2527	$429
Farmers	$2757	$459
Allstate	$2836	$482
State Farm	$5980	$997

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Car Insurance Rates with An Accident in Lone 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 Lone Grove, OK, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lone Grove

The cheapest car insurance companies after an at-fault accident in Lone Grove include American Farmers & Ranchers Mutual and AFR Group, offering $157 and $369, respectively. Allstate is an expensive provider with an average six-month premium of $2533.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$157	$27
AFR Group	$369	$63
State Farm	$649	$109
USAA	$703	$118
Mercury	$849	$143
Oklahoma Farm Bureau	$872	$147
Progressive	$909	$153
Shelter	$1587	$267
Farm Bureau	$1667	$277
Farmers	$2224	$374
Allstate	$2533	$426

Lone Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lone Grove OK. For example, the car insurance in Lone Grove after a DUI increases to $642 for a six month policy. While the rate increases by $290 for a six-month policy in the case of a speeding ticket.

Lone Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1212	$202
One comp claim	$1236	$210
One Med/PIP claim	$1236	$206
Two Med/PIP claims	$1248	$212
Not-at-fault accident	$1255	$209
Two comp claims	$1261	$214
Failure to show documents	$1339	$223
Failure to wear a seat belt	$1381	$235
Child safety restraint	$1387	$232
Driving without lights	$1387	$236
Driving with expired registration	$1412	$236
Cell phone violation	$1430	$243
Driving too slowly	$1430	$239
Speeding in school zone	$1430	$243
Texting while driving	$1430	$239
Failure to yield	$1442	$245
Failure to stop at a red light	$1448	$242
Following too closely	$1455	$247
Illegal turn	$1455	$243
Wrong way/wrong lane	$1466	$249
Improper passing	$1472	$246
In 65 MPH zone	$1496	$254
Speeding 11 - 15 MPH over limit	$1502	$251
Speeding 6 - 10 MPH over limit	$1502	$255
Passing school bus	$1509	$252
Speeding 16 - 20 MPH over limit	$1509	$256
Open container	$1533	$255
Speeding 21 - 25 MPH over limit	$1545	$263
At-fault accident - less than $1000	$1551	$258
Operating a vehicle without permission	$1636	$278
At-fault accident - $1000-$2000	$1648	$274
At-fault accident - greater than $2000	$1648	$281
Reckless driving	$1787	$298
Refusal to submit to a chemical test	$1830	$311
DUI	$1854	$309
Racing	$1908	$324
Driving with a suspended license	$2011	$336
Leaving scene of an accident/hit and run	$2011	$342

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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 Lone Grove 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 Lone Grove.

The cheapest car insurance premiums in Lone Grove are offered by Progressive at $672 for a six-month policy. However, it can be as expensive as $2369 with companies like Farm Bureau.

Lone Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$672	$113
Mercury	$812	$137
State Farm	$1049	$176
USAA	$1066	$180
Shelter	$1799	$303
Oklahoma Farm Bureau	$1999	$334
Farmers	$2273	$383
Allstate	$2345	$395
Farm Bureau	$2369	$403

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 Lone Grove are offered by Oklahoma Farm Bureau at $297. However, it can be as expensive as $2284 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lone Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$297	$50
Progressive	$649	$109
State Farm	$703	$118
USAA	$890	$151
Mercury	$1109	$187
Shelter	$1484	$252
Farm Bureau	$1533	$255
Allstate	$2205	$375
Farmers	$2284	$380

Car Insurance Price Trends in Lone Grove, Oklahoma

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

The average cost of full coverage in the Lone Grove rose by $248 in January compared to $226 of December. In other words, there has been an increase by $22 when you compare January and December.

The average cost of liability insurance in the Lone Grove dipped to $47 in January, compared to $48 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 Lone Grove?

The car insurance in Lone Grove is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Lone Grove?

The cheapest car insurance in Lone Grove is $151 per month for full coverage.

How much is car insurance in Lone Grove for teenagers?

Car insurance for teenagers costs $224 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 Lone Grove?

The average cost of car insurance is $1236 for a six-month policy. It will cost around $212 per month to insure your car in Lone Grove.

Is car insurance expensive in Lone Grove?

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

Cheapest Car Insurance Quotes in Lone Grove

Why you can trust Way?

How Much Is Car Insurance in Lone Grove

Avg. Car Insurance in Lone Grove

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Lone Grove

1st place: USAA

2nd place: Progressive

3rd place: Mercury

Lone Grove Car Insurance Rates by Company

Cheap Car Insurance Companies in Lone Grove, OK

Way's key takeaways about car insurance in Lone Grove

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lone Grove

Cheapest Liability Coverage in Lone Grove, OK

Cheapest Full Coverage Car Insurance in Lone Grove

Cheapest Full Coverage Car Insurance Quotes in Lone Grove, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lone Grove by Rating Factor

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

Car Insurance Premiums by Age in Lone Grove

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lone Grove,OK

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

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 Lone Grove

Cheapest Car Insurance Companies after an At-Fault Accident in Lone Grove

Lone Grove Car Insurance Rates by Violation

Lone Grove auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lone Grove after a DUI

Lone Grove car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lone Grove after Speeding ticket

Car Insurance Price Trends in Lone Grove, Oklahoma

Average Car Insurance Cost in Lone Grove by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lone Grove, OK

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

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