Cheapest Car Insurance Quotes in Mustang

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Mustang Car Insurance

^$ 29

/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 Mustang

The car insurance rate in Mustang is $1335 for a six-month policy, which is $99 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $949, making it a popular choice for budget-conscious drivers. Rates in Mustang 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 Mustang

$1335

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Mustang

1st place: USAA

At $949 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $988 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1104 for six months, making it the third cheapest auto insurance company in Mustang.

Mustang Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mustang, OK is USAA, offering policies at just $949 for a six-month term. This is followed by Progressive, which has an average six-month premium of $988.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1944 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mustang drivers find the best deals.

Cheap Car Insurance Companies in Mustang, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$949	$160
Progressive	$988	$166
Mercury	$1104	$186
State Farm	$1155	$194
Shelter	$1290	$217
American Farmers & Ranchers Mutual	$1309	$222
Farmers	$1347	$227
Oklahoma Farm Bureau	$1386	$235
AFR Group	$1597	$267
Farm Bureau	$1623	$276
Allstate	$1944	$327

Key Takeaways

Way's key takeaways about car insurance in Mustang

The auto insurance costs in Mustang fall around $949 for six months.
The cheapest auto insurance company in Mustang is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Mustang at $45 per month.

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Cheapest Minimum Liability Car Insurance in Mustang

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 Mustang are given below.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Mustang. Their Average 6 Month Premium is $173. Allstate is the most expensive at $629 for the same period.

Cheapest Liability Coverage in Mustang, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$173	$29
Mercury	$205	$35
USAA	$212	$36
AFR Group	$244	$41
Progressive	$251	$42
State Farm	$275	$46
Shelter	$327	$55
Oklahoma Farm Bureau	$353	$58
Farm Bureau	$397	$68
Farmers	$469	$79
Allstate	$629	$106

Cheapest Full Coverage Car Insurance in Mustang

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 Mustang is USAA at $160 per month and $949 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mustang, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$949	$160
Progressive	$988	$166
Mercury	$1104	$186
State Farm	$1155	$194
Shelter	$1290	$217
American Farmers & Ranchers Mutual	$1309	$222
Farmers	$1347	$227
Oklahoma Farm Bureau	$1386	$235
AFR Group	$1597	$267
Farm Bureau	$1623	$276
Allstate	$1944	$327

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Average Car Insurance in Mustang 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 Mustang, OK increasing?

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

Car Insurance Premiums by Age in Mustang

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	$771
30s	USAA	$597
40s	USAA	$548
50s	USAA	$525
60s	USAA	$537
70s	USAA	$620

Cheapest Car Insurance Rates for Teen Drivers in Mustang,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Mustang at $40 per month. At $269 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	$238	$40
USAA	$1328	$224
Progressive	$2316	$390
State Farm	$2341	$394
Mercury	$3035	$511
Shelter	$3452	$581
Oklahoma Farm Bureau	$4240	$721
Farm Bureau	$4748	$792
Allstate	$5254	$885
Farmers	$6114	$1029
American Farmers & Ranchers	$269	$45

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 Mustang.

As young drivers face the highest rates in Mustang, USAA offers the cheapest auto insurance rates at $771 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 Mustang, Oklahoma Farm Bureau is the cheapest car insurance provider. At $347 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 Mustang is State Farm, offering rates of around $6332 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$347	$57
Progressive	$814	$137
Mercury	$1386	$233
USAA	$1386	$235
Farm Bureau	$1630	$271
Shelter	$2675	$455
Farmers	$2919	$486
Allstate	$3002	$511
State Farm	$6332	$1055

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

Car Insurance Rates with An Accident in Mustang

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

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

The cheapest car insurance companies after an at-fault accident in Mustang include American Farmers & Ranchers Mutual and AFR Group, offering $166 and $391, respectively. Allstate is an expensive provider with an average six-month premium of $2682.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$166	$28
AFR Group	$391	$67
State Farm	$687	$116
USAA	$744	$125
Mercury	$899	$151
Oklahoma Farm Bureau	$923	$156
Progressive	$962	$162
Shelter	$1680	$283
Farm Bureau	$1765	$294
Farmers	$2354	$396
Allstate	$2682	$451

Mustang Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mustang OK. For example, the car insurance in Mustang after a DUI increases to $680 for a six month policy. While the rate increases by $308 for a six-month policy in the case of a speeding ticket.

Mustang auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1283	$214
One comp claim	$1309	$222
One Med/PIP claim	$1309	$218
Two Med/PIP claims	$1322	$225
Not-at-fault accident	$1328	$221
Two comp claims	$1335	$227
Failure to show documents	$1418	$237
Failure to wear a seat belt	$1462	$248
Child safety restraint	$1469	$245
Driving without lights	$1469	$249
Driving with expired registration	$1495	$249
Cell phone violation	$1514	$257
Driving too slowly	$1514	$253
Speeding in school zone	$1514	$257
Texting while driving	$1514	$253
Failure to yield	$1527	$259
Failure to stop at a red light	$1534	$256
Following too closely	$1540	$261
Illegal turn	$1540	$257
Wrong way/wrong lane	$1552	$264
Improper passing	$1558	$260
In 65 MPH zone	$1584	$269
Speeding 11 - 15 MPH over limit	$1591	$266
Speeding 6 - 10 MPH over limit	$1591	$270
Passing school bus	$1597	$267
Speeding 16 - 20 MPH over limit	$1597	$271
Open container	$1623	$270
Speeding 21 - 25 MPH over limit	$1636	$279
At-fault accident - less than $1000	$1643	$273
Operating a vehicle without permission	$1732	$295
At-fault accident - $1000-$2000	$1745	$291
At-fault accident - greater than $2000	$1745	$297
Reckless driving	$1892	$315
Refusal to submit to a chemical test	$1938	$329
DUI	$1963	$327
Racing	$2021	$343
Driving with a suspended license	$2130	$355
Leaving scene of an accident/hit and run	$2130	$362

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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 Mustang 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 Mustang.

The cheapest car insurance premiums in Mustang are offered by Progressive at $712 for a six-month policy. However, it can be as expensive as $2509 with companies like Farm Bureau.

Mustang car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$712	$120
Mercury	$860	$145
State Farm	$1110	$187
USAA	$1129	$190
Shelter	$1905	$321
Oklahoma Farm Bureau	$2117	$353
Farmers	$2406	$405
Allstate	$2483	$418
Farm Bureau	$2509	$427

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 Mustang are offered by Oklahoma Farm Bureau at $314. However, it can be as expensive as $2418 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mustang after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$314	$53
Progressive	$687	$116
State Farm	$744	$125
USAA	$943	$160
Mercury	$1174	$198
Shelter	$1571	$267
Farm Bureau	$1623	$270
Allstate	$2335	$397
Farmers	$2418	$403

Car Insurance Price Trends in Mustang, Oklahoma

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

The average cost of full coverage in the Mustang rose by $262 in January compared to $240 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 Mustang dipped to $50 in January, compared to $51 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 Mustang?

The car insurance in Mustang is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Mustang?

The cheapest car insurance in Mustang is $160 per month for full coverage.

How much is car insurance in Mustang for teenagers?

Car insurance for teenagers costs $238 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 Mustang?

The average cost of car insurance is $1236 for a six-month policy. It will cost around $225 per month to insure your car in Mustang.

Is car insurance expensive in Mustang?

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

Cheapest Car Insurance Quotes in Mustang

Why you can trust Way?

How Much Is Car Insurance in Mustang

Avg. Car Insurance in Mustang

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Mustang

1st place: USAA

2nd place: Progressive

3rd place: Mercury

Mustang Car Insurance Rates by Company

Cheap Car Insurance Companies in Mustang, OK

Way's key takeaways about car insurance in Mustang

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mustang

Cheapest Liability Coverage in Mustang, OK

Cheapest Full Coverage Car Insurance in Mustang

Cheapest Full Coverage Car Insurance Quotes in Mustang, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mustang by Rating Factor

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

Car Insurance Premiums by Age in Mustang

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mustang,OK

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

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 Mustang

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

Mustang Car Insurance Rates by Violation

Mustang auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mustang after a DUI

Mustang car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mustang after Speeding ticket

Car Insurance Price Trends in Mustang, Oklahoma

Average Car Insurance Cost in Mustang by ZIP Code

Frequently Asked Questions

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