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Moodys Car Insurance
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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.
The car insurance rate in the Moodys is $1113, which is $11 lower than the state average. USAA offers the cheapest insurance rates in the city at $764 for a six-month policy.
$1113
$1124
$1146
At $764 for a six month policy, USAA offers the cheapest auto insurance rates in the city.
State Farm offers auto insurance rates at $770 for a six-month policy, making it one of the cheapest to insure with.
Mercury offers auto insurance rates at $806 for six months, making it the third cheapest auto insurance company in Moodys.
Based on our research, the cheapest car insurance companies in Moodys OK include USAA, offering $764 for a six-month policy. This is followed by State Farm, with an average six-month premium of $770. Allstate is the most expensive, at $1646.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $764 | $129 |
| State Farm | $770 | $130 |
| Mercury | $806 | $136 |
| Progressive | $941 | $158 |
| Shelter | $1118 | $188 |
| AFR Group | $1135 | $189 |
| American Farmers & Ranchers Mutual | $1200 | $204 |
| Farm Bureau | $1264 | $211 |
| Oklahoma Farm Bureau | $1270 | $216 |
| Farmers | $1335 | $225 |
| Allstate | $1646 | $277 |
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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 Moodys are given below.
Mercury provides the cheapest minimum car insurance coverage in Moodys. Their Average 6 Month Premium is $142. Allstate is the most expensive at $558 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $142 | $24 |
| American Farmers & Ranchers Mutual | $158 | $27 |
| USAA | $176 | $30 |
| AFR Group | $200 | $34 |
| State Farm | $218 | $37 |
| Progressive | $230 | $39 |
| Shelter | $288 | $49 |
| Oklahoma Farm Bureau | $324 | $55 |
| Farm Bureau | $358 | $59 |
| Farmers | $524 | $88 |
| Allstate | $558 | $94 |
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 Moodys is USAA at $129 per month and $764 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $764 | $129 |
| State Farm | $770 | $130 |
| Mercury | $806 | $136 |
| Progressive | $941 | $158 |
| Shelter | $1118 | $188 |
| AFR Group | $1135 | $189 |
| American Farmers & Ranchers Mutual | $1200 | $204 |
| Farm Bureau | $1264 | $211 |
| Oklahoma Farm Bureau | $1270 | $216 |
| Farmers | $1335 | $225 |
| Allstate | $1646 | $277 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Moodys, 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, Moodys's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | USAA | $726 |
| 30s | USAA | $562 |
| 40s | USAA | $515 |
| 50s | USAA | $494 |
| 60s | USAA | $505 |
| 70s | USAA | $583 |
If you are planning to get a car insurance policy for your teenage dependent, American Farmers & Ranchers provides the cheapest car insurance in the Moodys at $42 per month. At $6681 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Farmers & Ranchers | $247 | $42 |
| Mercury | $247 | $42 |
| USAA | $1158 | $195 |
| State Farm | $1823 | $307 |
| Progressive | $2311 | $389 |
| Shelter | $2899 | $488 |
| Farm Bureau | $3781 | $631 |
| Oklahoma Farm Bureau | $3887 | $661 |
| Allstate | $4575 | $770 |
| Farmers | $6681 | $1125 |
Teen Car Insurance Rates in OK by Age
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.
For those with poor credit scores in Moodys, Mercury is the cheapest car insurance provider. At $188 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 Moodys is State Farm, offering rates of around $3270 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $188 | $32 |
| Oklahoma Farm Bureau | $318 | $52 |
| Progressive | $882 | $149 |
| USAA | $1135 | $189 |
| Farm Bureau | $1270 | $216 |
| Shelter | $2034 | $340 |
| Allstate | $2258 | $384 |
| Farmers | $3246 | $541 |
| State Farm | $3270 | $556 |
Save up to $971/yr on car insurance rates in Moodys.
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 Moodys, OK, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Moodys include American Farmers & Ranchers Mutual and Mercury, offering $158 and $288, respectively. Farmers is an expensive provider with an average six-month premium of $2500.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Farmers & Ranchers Mutual | $158 | $27 |
| Mercury | $288 | $49 |
| State Farm | $552 | $93 |
| USAA | $652 | $110 |
| Oklahoma Farm Bureau | $846 | $143 |
| Farm Bureau | $888 | $149 |
| Progressive | $941 | $158 |
| Shelter | $1412 | $238 |
| Allstate | $2276 | $383 |
| Farmers | $2500 | $421 |
Here is a list of driving violations that can increase your car insurance rates in Moodys OK. For example, the car insurance in Moodys after a DUI increases to $624 for a six month policy. While the rate increases by $282 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1176 | $196 |
| One comp claim | $1200 | $204 |
| One Med/PIP claim | $1200 | $200 |
| Two Med/PIP claims | $1212 | $206 |
| Not-at-fault accident | $1218 | $203 |
| Two comp claims | $1224 | $208 |
| Failure to show documents | $1300 | $217 |
| Failure to wear a seat belt | $1340 | $228 |
| Child safety restraint | $1346 | $225 |
| Driving without lights | $1346 | $229 |
| Driving with expired registration | $1370 | $229 |
| Cell phone violation | $1388 | $236 |
| Driving too slowly | $1388 | $232 |
| Speeding in school zone | $1388 | $236 |
| Texting while driving | $1388 | $232 |
| Failure to yield | $1400 | $238 |
| Failure to stop at a red light | $1406 | $235 |
| Following too closely | $1412 | $240 |
| Illegal turn | $1412 | $236 |
| Wrong way/wrong lane | $1423 | $242 |
| Improper passing | $1429 | $239 |
| In 65 MPH zone | $1452 | $247 |
| Speeding 11 - 15 MPH over limit | $1458 | $244 |
| Speeding 6 - 10 MPH over limit | $1458 | $248 |
| Passing school bus | $1464 | $245 |
| Speeding 16 - 20 MPH over limit | $1464 | $248 |
| Open container | $1488 | $248 |
| Speeding 21 - 25 MPH over limit | $1500 | $255 |
| At-fault accident - less than $1000 | $1506 | $250 |
| Operating a vehicle without permission | $1588 | $270 |
| At-fault accident - $1000-$2000 | $1600 | $266 |
| At-fault accident - greater than $2000 | $1600 | $272 |
| Reckless driving | $1734 | $289 |
| Refusal to submit to a chemical test | $1776 | $302 |
| DUI | $1800 | $300 |
| Racing | $1852 | $315 |
| Driving with a suspended license | $1952 | $326 |
| Leaving scene of an accident/hit and run | $1952 | $332 |
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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.
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 Moodys.
The cheapest car insurance premiums in Moodys are offered by Mercury at $270 for a six-month policy. However, it can be as expensive as $2264 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $270 | $46 |
| Progressive | $676 | $114 |
| State Farm | $846 | $143 |
| USAA | $982 | $165 |
| Shelter | $1600 | $269 |
| Oklahoma Farm Bureau | $1940 | $330 |
| Farm Bureau | $1994 | $333 |
| Allstate | $2129 | $358 |
| Farmers | $2264 | $381 |
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 Moodys are offered by Mercury at $206. However, it can be as expensive as $2711 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $206 | $35 |
| Oklahoma Farm Bureau | $288 | $49 |
| State Farm | $500 | $84 |
| Progressive | $700 | $118 |
| USAA | $764 | $130 |
| Shelter | $1200 | $200 |
| Farm Bureau | $1264 | $215 |
| Allstate | $1729 | $288 |
| Farmers | $2711 | $461 |
Car insurance rates in Moodys have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Moodys rose by $216 in July compared to $215 of June. In other words, there has been an increase by $1 when you compare July and June.
The average cost of liability insurance in the Moodys remained steady at $45 in both July and June, indicating no change over the two month period.
How much is car insurance in Moodys?
The car insurance in Moodys is $24 per month, which is lower than the national average.
What is the cheapest car insurance in Moodys?
The cheapest car insurance in Moodys is $129 per month for full coverage.
How much is car insurance in Moodys for teenagers?
Car insurance for teenagers costs $247 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 Moodys?
The average cost of car insurance is $1124 for a six-month policy. It will cost around $187 per month to insure your car in Moodys.
Is car insurance expensive in Moodys?
Car insurance can be expensive in Moodys if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Moodys can be affordable.
What is the best car insurance in Moodys, OK?
The best car insurance company in Moodys OK is USAA, offering $764 for a six-month policy.
Cut auto insurance costs in Moodys right now.