Cheapest Car Insurance Quotes in Luther

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Luther Car Insurance

^$ 30

/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 $1360 for a six-month policy, which is $124 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $967, 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

$1360

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Luther

1st place: USAA

At $967 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $1007 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1124 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 USAA, offering policies at just $967 for a six-month term. This is followed by Progressive, which has an average six-month premium of $1007.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1980 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
USAA	$967	$163
Progressive	$1007	$169
Mercury	$1124	$189
State Farm	$1176	$198
Shelter	$1313	$221
American Farmers & Ranchers Mutual	$1333	$227
Farmers	$1372	$231
Oklahoma Farm Bureau	$1411	$240
AFR Group	$1627	$272
Farm Bureau	$1653	$282
Allstate	$1980	$333

Key Takeaways

Way's key takeaways about car insurance in Luther

The auto insurance costs in Luther fall around $967 for six months.
The cheapest auto insurance company in Luther is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Luther at $46 per month.

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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.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Luther. Their Average 6 Month Premium is $176. Allstate is the most expensive at $640 for the same period.

Cheapest Liability Coverage in Luther, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$176	$30
Mercury	$209	$35
USAA	$216	$36
AFR Group	$249	$42
Progressive	$255	$43
State Farm	$281	$47
Shelter	$333	$56
Oklahoma Farm Bureau	$360	$59
Farm Bureau	$405	$69
Farmers	$477	$80
Allstate	$640	$108

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 USAA at $163 per month and $967 for six months.

Cheapest Full Coverage Car Insurance Quotes in Luther, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$967	$163
Progressive	$1007	$169
Mercury	$1124	$189
State Farm	$1176	$198
Shelter	$1313	$221
American Farmers & Ranchers Mutual	$1333	$227
Farmers	$1372	$231
Oklahoma Farm Bureau	$1411	$240
AFR Group	$1627	$272
Farm Bureau	$1653	$282
Allstate	$1980	$333

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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	$785
30s	USAA	$608
40s	USAA	$558
50s	USAA	$535
60s	USAA	$547
70s	USAA	$631

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
USAA	$1353	$228
Progressive	$2358	$397
State Farm	$2385	$402
Mercury	$3091	$520
Shelter	$3516	$592
Oklahoma Farm Bureau	$4319	$735
Farm Bureau	$4836	$806
Allstate	$5352	$901
Farmers	$6227	$1048
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 $785 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, Oklahoma Farm Bureau is the cheapest car insurance provider. At $353 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 $6449 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$353	$58
Progressive	$829	$140
Mercury	$1411	$238
USAA	$1411	$240
Farm Bureau	$1660	$276
Shelter	$2725	$463
Farmers	$2973	$495
Allstate	$3058	$520
State Farm	$6449	$1075

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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 AFR Group, offering $169 and $398, respectively. Allstate is an expensive provider with an average six-month premium of $2731.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$169	$29
AFR Group	$398	$68
State Farm	$700	$118
USAA	$758	$128
Mercury	$915	$154
Oklahoma Farm Bureau	$941	$158
Progressive	$980	$165
Shelter	$1712	$288
Farm Bureau	$1797	$299
Farmers	$2398	$404
Allstate	$2731	$460

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 Progressive at $725 for a six-month policy. However, it can be as expensive as $2555 with companies like Farm Bureau.

Luther car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$725	$122
Mercury	$876	$147
State Farm	$1131	$190
USAA	$1150	$194
Shelter	$1940	$327
Oklahoma Farm Bureau	$2156	$360
Farmers	$2451	$413
Allstate	$2529	$426
Farm Bureau	$2555	$435

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 Oklahoma Farm Bureau at $320. However, it can be as expensive as $2463 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
Oklahoma Farm Bureau	$320	$54
Progressive	$700	$118
State Farm	$758	$128
USAA	$960	$163
Mercury	$1196	$201
Shelter	$1601	$272
Farm Bureau	$1653	$275
Allstate	$2378	$405
Farmers	$2463	$410

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 $267 in January compared to $244 of December. In other words, there has been an increase by $23 when you compare January and December.

The average cost of liability insurance in the Luther dipped to $51 in January, compared to $52 in December. This represents an decrease of $1 when comparing January and December.

Our Insurance Agent Experts

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Principal

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Anthony Luu

Senior Director of Insurance Operations

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Ezra Peterson

Senior Director of Insurance

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Danny Herrera

Head of Commercial Insurance

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Frequently Asked Questions

How much is car insurance in Luther?

The car insurance in Luther is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Luther?

The cheapest car insurance in Luther is $163 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 $1236 for a six-month policy. It will cost around $229 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: USAA

2nd place: Progressive

3rd place: Mercury

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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