Cheapest Car Insurance Quotes in Luther

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Luther 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 Luther

The car insurance rate in Luther is $1297 for a six-month policy, which is $118 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $902, making it a popular choice for budget-conscious drivers. Rates in Luther 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 Luther

$1297

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Luther

1st place: Mercury

At $902 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $947 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1052 for six months, making it the third cheapest auto insurance company in Luther.

Luther Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Luther, OK is Mercury, offering policies at just $902 for a six-month term. This is followed by USAA, which has an average six-month premium of $947.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1816 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Luther drivers find the best deals.

Cheap Car Insurance Companies in Luther, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$902	$152
USAA	$947	$160
Progressive	$1052	$177
State Farm	$1098	$185
Shelter	$1196	$201
American Farmers & Ranchers Mutual	$1333	$227
Farm Bureau	$1405	$234
Oklahoma Farm Bureau	$1411	$240
Farmers	$1489	$251
AFR Group	$1627	$276
Allstate	$1816	$306

Key Takeaways

Way's key takeaways about car insurance in Luther

The auto insurance costs in Luther fall around $902 for six months.
The cheapest auto insurance company in Luther is Mercury.
Teen drivers pay the highest rate in Luther at $46 per month.

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

Cheapest Minimum Liability Car Insurance in Luther

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 Luther are given below.

Mercury provides the cheapest minimum car insurance coverage in Luther. Their Average 6 Month Premium is $157. Allstate is the most expensive at $634 for the same period.

Cheapest Liability Coverage in Luther, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$157	$26
American Farmers & Ranchers Mutual	$176	$30
USAA	$209	$35
AFR Group	$249	$42
State Farm	$262	$44
Progressive	$268	$45
Shelter	$320	$54
Oklahoma Farm Bureau	$360	$59
Farm Bureau	$398	$68
Farmers	$589	$99
Allstate	$634	$107

Cheapest Full Coverage Car Insurance in Luther

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 Luther is Mercury at $152 per month and $902 for six months.

Cheapest Full Coverage Car Insurance Quotes in Luther, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$902	$152
USAA	$947	$160
Progressive	$1052	$177
State Farm	$1098	$185
Shelter	$1196	$201
American Farmers & Ranchers Mutual	$1333	$227
Farm Bureau	$1405	$234
Oklahoma Farm Bureau	$1411	$240
Farmers	$1489	$251
AFR Group	$1627	$276
Allstate	$1816	$306

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Average Car Insurance in Luther 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 Luther, OK increasing?

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

Car Insurance Premiums by Age in Luther

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	$806
30s	USAA	$625
40s	USAA	$572
50s	USAA	$549
60s	USAA	$561
70s	USAA	$648

Cheapest Car Insurance Rates for Teen Drivers in Luther,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Luther at $41 per month. At $274 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	$242	$41
Mercury	$249	$42
USAA	$1287	$217
State Farm	$2025	$341
Progressive	$2555	$430
Shelter	$3221	$542
Farm Bureau	$4201	$714
Oklahoma Farm Bureau	$4319	$719
Allstate	$5083	$856
Farmers	$7423	$1250
American Farmers & Ranchers	$274	$46

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 Luther.

As young drivers face the highest rates in Luther, USAA offers the cheapest auto insurance rates at $806 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 Luther, Mercury is the cheapest car insurance provider. At $209 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 Luther is State Farm, offering rates of around $3633 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$209	$35
Oklahoma Farm Bureau	$353	$61
Progressive	$980	$165
USAA	$1261	$215
Farm Bureau	$1411	$235
Shelter	$2261	$384
Allstate	$2509	$418
Farmers	$3607	$614
State Farm	$3633	$605

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

Car Insurance Rates with An Accident in Luther

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

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

The cheapest car insurance companies after an at-fault accident in Luther include American Farmers & Ranchers Mutual and Mercury, offering $169 and $320, respectively. Farmers is an expensive provider with an average six-month premium of $2778.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$169	$29
Mercury	$320	$54
AFR Group	$398	$66
State Farm	$620	$105
USAA	$725	$122
Oklahoma Farm Bureau	$941	$158
Progressive	$1038	$175
Farm Bureau	$1536	$261
Shelter	$1569	$264
Allstate	$2529	$426
Farmers	$2778	$468

Luther Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Luther OK. For example, the car insurance in Luther after a DUI increases to $693 for a six month policy. While the rate increases by $313 for a six-month policy in the case of a speeding ticket.

Luther auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1307	$218
One comp claim	$1333	$227
One Med/PIP claim	$1333	$222
Two Med/PIP claims	$1346	$229
Not-at-fault accident	$1353	$226
Two comp claims	$1360	$231
Failure to show documents	$1444	$241
Failure to wear a seat belt	$1489	$253
Child safety restraint	$1496	$250
Driving without lights	$1496	$254
Driving with expired registration	$1522	$254
Cell phone violation	$1542	$262
Driving too slowly	$1542	$257
Speeding in school zone	$1542	$262
Texting while driving	$1542	$257
Failure to yield	$1555	$264
Failure to stop at a red light	$1562	$261
Following too closely	$1569	$266
Illegal turn	$1569	$262
Wrong way/wrong lane	$1581	$268
Improper passing	$1587	$265
In 65 MPH zone	$1614	$274
Speeding 11 - 15 MPH over limit	$1620	$271
Speeding 6 - 10 MPH over limit	$1620	$275
Passing school bus	$1627	$272
Speeding 16 - 20 MPH over limit	$1627	$276
Open container	$1653	$275
Speeding 21 - 25 MPH over limit	$1667	$284
At-fault accident - less than $1000	$1673	$278
Operating a vehicle without permission	$1764	$300
At-fault accident - $1000-$2000	$1778	$296
At-fault accident - greater than $2000	$1778	$303
Reckless driving	$1927	$321
Refusal to submit to a chemical test	$1973	$336
DUI	$2000	$333
Racing	$2058	$350
Driving with a suspended license	$2169	$362
Leaving scene of an accident/hit and run	$2169	$369

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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 Luther 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 Luther.

The cheapest car insurance premiums in Luther are offered by Mercury at $294 for a six-month policy. However, it can be as expensive as $2516 with companies like Farmers.

Luther car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$294	$50
Progressive	$745	$125
State Farm	$941	$158
USAA	$1091	$184
Shelter	$1778	$299
Oklahoma Farm Bureau	$2156	$360
Farm Bureau	$2215	$376
Allstate	$2365	$398
Farmers	$2516	$424

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 Luther are offered by Mercury at $229. However, it can be as expensive as $3012 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Luther after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$229	$39
Oklahoma Farm Bureau	$320	$54
State Farm	$556	$94
Progressive	$778	$131
USAA	$849	$142
Shelter	$1333	$227
Farm Bureau	$1405	$234
Allstate	$1921	$327
Farmers	$3012	$502

Car Insurance Price Trends in Luther, Oklahoma

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

The average cost of full coverage in the Luther rose by $244 in December compared to $240 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 Luther rose to $52 in December, compared to $50 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 Luther?

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

What is the cheapest car insurance in Luther?

The cheapest car insurance in Luther is $152 per month for full coverage.

How much is car insurance in Luther for teenagers?

Car insurance for teenagers costs $242 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 Luther?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $219 per month to insure your car in Luther.

Is car insurance expensive in Luther?

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

Cheapest Car Insurance Quotes in Luther

Why you can trust Way?

How Much Is Car Insurance in Luther

Avg. Car Insurance in Luther

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Luther

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Luther Car Insurance Rates by Company

Cheap Car Insurance Companies in Luther, OK

Way's key takeaways about car insurance in Luther

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Luther

Cheapest Liability Coverage in Luther, OK

Cheapest Full Coverage Car Insurance in Luther

Cheapest Full Coverage Car Insurance Quotes in Luther, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Luther by Rating Factor

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

Car Insurance Premiums by Age in Luther

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Luther,OK

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

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 Luther

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

Luther Car Insurance Rates by Violation

Luther auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Luther after a DUI

Luther car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Luther after Speeding ticket

Car Insurance Price Trends in Luther, Oklahoma

Average Car Insurance Cost in Luther by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Luther, OK

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

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