Cheapest Car Insurance Quotes in Midwest City

Finding the cheapest car insurance quotes in Midwest City 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

Midwest City Car Insurance

^$ 27

/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 Midwest City

The car insurance rate in Midwest City is $1332 for a six-month policy, which is $153 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $927, making it a popular choice for budget-conscious drivers. Rates in Midwest City 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 Midwest City

$1332

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Midwest City

1st place: Mercury

At $927 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $973 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1080 for six months, making it the third cheapest auto insurance company in Midwest City.

Midwest City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Midwest City, OK is Mercury, offering policies at just $927 for a six-month term. This is followed by USAA, which has an average six-month premium of $973.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1866 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Midwest City drivers find the best deals.

Cheap Car Insurance Companies in Midwest City, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$927	$156
USAA	$973	$164
Progressive	$1080	$182
State Farm	$1128	$190
Shelter	$1228	$207
American Farmers & Ranchers Mutual	$1370	$233
Farm Bureau	$1443	$241
Oklahoma Farm Bureau	$1450	$246
Farmers	$1530	$258
AFR Group	$1671	$284
Allstate	$1866	$314

Key Takeaways

Way's key takeaways about car insurance in Midwest City

The auto insurance costs in Midwest City fall around $927 for six months.
The cheapest auto insurance company in Midwest City is Mercury.
Teen drivers pay the highest rate in Midwest City at $47 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 Midwest City

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 Midwest City are given below.

Mercury provides the cheapest minimum car insurance coverage in Midwest City. Their Average 6 Month Premium is $162. Allstate is the most expensive at $651 for the same period.

Cheapest Liability Coverage in Midwest City, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$162	$27
American Farmers & Ranchers Mutual	$181	$31
USAA	$215	$36
AFR Group	$255	$43
State Farm	$269	$45
Progressive	$276	$46
Shelter	$329	$55
Oklahoma Farm Bureau	$370	$61
Farm Bureau	$409	$70
Farmers	$605	$102
Allstate	$651	$110

Cheapest Full Coverage Car Insurance in Midwest City

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 Midwest City is Mercury at $156 per month and $927 for six months.

Cheapest Full Coverage Car Insurance Quotes in Midwest City, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$927	$156
USAA	$973	$164
Progressive	$1080	$182
State Farm	$1128	$190
Shelter	$1228	$207
American Farmers & Ranchers Mutual	$1370	$233
Farm Bureau	$1443	$241
Oklahoma Farm Bureau	$1450	$246
Farmers	$1530	$258
AFR Group	$1671	$284
Allstate	$1866	$314

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Midwest City Instantly!

Average Car Insurance in Midwest City 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 Midwest City, OK increasing?

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

Car Insurance Premiums by Age in Midwest City

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	$828
30s	USAA	$642
40s	USAA	$588
50s	USAA	$564
60s	USAA	$576
70s	USAA	$666

Cheapest Car Insurance Rates for Teen Drivers in Midwest City,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Midwest City at $42 per month. At $281 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	$249	$42
Mercury	$255	$43
USAA	$1322	$223
State Farm	$2080	$350
Progressive	$2625	$442
Shelter	$3309	$557
Farm Bureau	$4315	$733
Oklahoma Farm Bureau	$4436	$739
Allstate	$5222	$879
Farmers	$7625	$1284
American Farmers & Ranchers	$281	$47

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 Midwest City.

As young drivers face the highest rates in Midwest City, USAA offers the cheapest auto insurance rates at $828 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 Midwest City, Mercury is the cheapest car insurance provider. At $215 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 Midwest City is State Farm, offering rates of around $3732 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$215	$36
Oklahoma Farm Bureau	$363	$62
Progressive	$1007	$169
USAA	$1295	$220
Farm Bureau	$1450	$242
Shelter	$2322	$394
Allstate	$2578	$429
Farmers	$3705	$631
State Farm	$3732	$621

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Midwest City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Midwest City

The cheapest car insurance companies after an at-fault accident in Midwest City include American Farmers & Ranchers Mutual and Mercury, offering $174 and $329, respectively. Farmers is an expensive provider with an average six-month premium of $2853.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$174	$29
Mercury	$329	$55
AFR Group	$409	$68
State Farm	$637	$107
USAA	$745	$125
Oklahoma Farm Bureau	$966	$163
Progressive	$1067	$180
Farm Bureau	$1577	$268
Shelter	$1611	$271
Allstate	$2598	$437
Farmers	$2853	$480

Midwest City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Midwest City OK. For example, the car insurance in Midwest City after a DUI increases to $712 for a six month policy. While the rate increases by $322 for a six-month policy in the case of a speeding ticket.

Midwest City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1342	$224
One comp claim	$1370	$233
One Med/PIP claim	$1370	$228
Two Med/PIP claims	$1383	$235
Not-at-fault accident	$1390	$232
Two comp claims	$1397	$237
Failure to show documents	$1484	$247
Failure to wear a seat belt	$1530	$260
Child safety restraint	$1537	$257
Driving without lights	$1537	$261
Driving with expired registration	$1564	$261
Cell phone violation	$1584	$269
Driving too slowly	$1584	$264
Speeding in school zone	$1584	$269
Texting while driving	$1584	$264
Failure to yield	$1598	$271
Failure to stop at a red light	$1605	$268
Following too closely	$1611	$273
Illegal turn	$1611	$269
Wrong way/wrong lane	$1624	$276
Improper passing	$1631	$272
In 65 MPH zone	$1658	$281
Speeding 11 - 15 MPH over limit	$1664	$278
Speeding 6 - 10 MPH over limit	$1664	$283
Passing school bus	$1671	$279
Speeding 16 - 20 MPH over limit	$1671	$284
Open container	$1698	$283
Speeding 21 - 25 MPH over limit	$1712	$292
At-fault accident - less than $1000	$1719	$286
Operating a vehicle without permission	$1813	$308
At-fault accident - $1000-$2000	$1826	$304
At-fault accident - greater than $2000	$1826	$311
Reckless driving	$1980	$330
Refusal to submit to a chemical test	$2027	$345
DUI	$2054	$342
Racing	$2114	$359
Driving with a suspended license	$2228	$372
Leaving scene of an accident/hit and run	$2228	$379

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 Midwest City 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 Midwest City.

The cheapest car insurance premiums in Midwest City are offered by Mercury at $302 for a six-month policy. However, it can be as expensive as $2584 with companies like Farmers.

Midwest City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$302	$51
Progressive	$765	$129
State Farm	$966	$163
USAA	$1121	$189
Shelter	$1826	$307
Oklahoma Farm Bureau	$2215	$370
Farm Bureau	$2276	$386
Allstate	$2429	$409
Farmers	$2584	$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 Midwest City are offered by Mercury at $235. However, it can be as expensive as $3094 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Midwest City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$235	$40
Oklahoma Farm Bureau	$329	$55
State Farm	$571	$96
Progressive	$799	$134
USAA	$872	$146
Shelter	$1370	$233
Farm Bureau	$1443	$241
Allstate	$1973	$336
Farmers	$3094	$515

Car Insurance Price Trends in Midwest City, Oklahoma

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

The average cost of full coverage in the Midwest City rose by $251 in December compared to $246 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 Midwest City rose to $53 in December, compared to $51 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 Midwest City?

The car insurance in Midwest City is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Midwest City?

The cheapest car insurance in Midwest City is $156 per month for full coverage.

How much is car insurance in Midwest City for teenagers?

Car insurance for teenagers costs $249 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 Midwest City?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $225 per month to insure your car in Midwest City.

Is car insurance expensive in Midwest City?

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

Cheapest Car Insurance Quotes in Midwest City

Why you can trust Way?

How Much Is Car Insurance in Midwest City

Avg. Car Insurance in Midwest City

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Midwest City

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Midwest City Car Insurance Rates by Company

Cheap Car Insurance Companies in Midwest City, OK

Way's key takeaways about car insurance in Midwest City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Midwest City

Cheapest Liability Coverage in Midwest City, OK

Cheapest Full Coverage Car Insurance in Midwest City

Cheapest Full Coverage Car Insurance Quotes in Midwest City, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Midwest City by Rating Factor

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

Car Insurance Premiums by Age in Midwest City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Midwest City,OK

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

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 Midwest City

Cheapest Car Insurance Companies after an At-Fault Accident in Midwest City

Midwest City Car Insurance Rates by Violation

Midwest City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Midwest City after a DUI

Midwest City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Midwest City after Speeding ticket

Car Insurance Price Trends in Midwest City, Oklahoma

Average Car Insurance Cost in Midwest City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Midwest City, OK

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

Featured Blogs

Data Sources