Cheapest Car Insurance Quotes in Nichols Hills

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Nichols Hills Car Insurance

^$ 28

/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 Nichols Hills

The car insurance rate in Nichols Hills is $1379 for a six-month policy, which is $200 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $959, making it a popular choice for budget-conscious drivers. Rates in Nichols Hills 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 Nichols Hills

$1379

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Nichols Hills

1st place: Mercury

At $959 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

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

3rd place: Progressive

Progressive offers auto insurance rates at $1119 for six months, making it the third cheapest auto insurance company in Nichols Hills.

Nichols Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Nichols Hills, OK is Mercury, offering policies at just $959 for a six-month term. This is followed by USAA, which has an average six-month premium of $1007.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1932 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Nichols Hills drivers find the best deals.

Cheap Car Insurance Companies in Nichols Hills, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$959	$161
USAA	$1007	$170
Progressive	$1119	$188
State Farm	$1168	$197
Shelter	$1272	$214
American Farmers & Ranchers Mutual	$1418	$241
Farm Bureau	$1494	$249
Oklahoma Farm Bureau	$1501	$255
Farmers	$1584	$267
AFR Group	$1730	$294
Allstate	$1932	$325

Key Takeaways

Way's key takeaways about car insurance in Nichols Hills

The auto insurance costs in Nichols Hills fall around $959 for six months.
The cheapest auto insurance company in Nichols Hills is Mercury.
Teen drivers pay the highest rate in Nichols Hills at $49 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 Nichols Hills

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 Nichols Hills are given below.

Mercury provides the cheapest minimum car insurance coverage in Nichols Hills. Their Average 6 Month Premium is $167. Allstate is the most expensive at $674 for the same period.

Cheapest Liability Coverage in Nichols Hills, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$167	$28
American Farmers & Ranchers Mutual	$187	$32
USAA	$222	$37
AFR Group	$264	$44
State Farm	$278	$47
Progressive	$285	$48
Shelter	$340	$57
Oklahoma Farm Bureau	$383	$63
Farm Bureau	$424	$73
Farmers	$626	$105
Allstate	$674	$113

Cheapest Full Coverage Car Insurance in Nichols Hills

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 Nichols Hills is Mercury at $161 per month and $959 for six months.

Cheapest Full Coverage Car Insurance Quotes in Nichols Hills, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$959	$161
USAA	$1007	$170
Progressive	$1119	$188
State Farm	$1168	$197
Shelter	$1272	$214
American Farmers & Ranchers Mutual	$1418	$241
Farm Bureau	$1494	$249
Oklahoma Farm Bureau	$1501	$255
Farmers	$1584	$267
AFR Group	$1730	$294
Allstate	$1932	$325

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Average Car Insurance in Nichols Hills 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 Nichols Hills, OK increasing?

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

Car Insurance Premiums by Age in Nichols Hills

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	$858
30s	USAA	$665
40s	USAA	$608
50s	USAA	$584
60s	USAA	$597
70s	USAA	$689

Cheapest Car Insurance Rates for Teen Drivers in Nichols Hills,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Nichols Hills at $43 per month. At $291 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	$257	$43
Mercury	$264	$44
USAA	$1369	$230
State Farm	$2154	$363
Progressive	$2718	$457
Shelter	$3426	$577
Farm Bureau	$4468	$759
Oklahoma Farm Bureau	$4593	$765
Allstate	$5407	$910
Farmers	$7895	$1329
American Farmers & Ranchers	$291	$49

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 Nichols Hills.

As young drivers face the highest rates in Nichols Hills, USAA offers the cheapest auto insurance rates at $858 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 Nichols Hills, Mercury is the cheapest car insurance provider. At $222 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 Nichols Hills is State Farm, offering rates of around $3865 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$222	$37
Oklahoma Farm Bureau	$376	$64
Progressive	$1042	$176
USAA	$1341	$228
Farm Bureau	$1501	$250
Shelter	$2404	$408
Allstate	$2669	$445
Farmers	$3836	$653
State Farm	$3865	$644

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

Car Insurance Rates with An Accident in Nichols Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Nichols Hills

The cheapest car insurance companies after an at-fault accident in Nichols Hills include American Farmers & Ranchers Mutual and Mercury, offering $180 and $340, respectively. Farmers is an expensive provider with an average six-month premium of $2954.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$180	$30
Mercury	$340	$57
AFR Group	$424	$70
State Farm	$660	$111
USAA	$771	$130
Oklahoma Farm Bureau	$1000	$168
Progressive	$1104	$186
Farm Bureau	$1633	$277
Shelter	$1668	$281
Allstate	$2690	$453
Farmers	$2954	$497

Nichols Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Nichols Hills OK. For example, the car insurance in Nichols Hills after a DUI increases to $737 for a six month policy. While the rate increases by $333 for a six-month policy in the case of a speeding ticket.

Nichols Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1390	$232
One comp claim	$1418	$241
One Med/PIP claim	$1418	$236
Two Med/PIP claims	$1432	$243
Not-at-fault accident	$1439	$240
Two comp claims	$1446	$246
Failure to show documents	$1536	$256
Failure to wear a seat belt	$1584	$269
Child safety restraint	$1591	$266
Driving without lights	$1591	$270
Driving with expired registration	$1619	$270
Cell phone violation	$1640	$278
Driving too slowly	$1640	$274
Speeding in school zone	$1640	$278
Texting while driving	$1640	$274
Failure to yield	$1654	$281
Failure to stop at a red light	$1661	$277
Following too closely	$1668	$283
Illegal turn	$1668	$278
Wrong way/wrong lane	$1681	$285
Improper passing	$1688	$282
In 65 MPH zone	$1716	$291
Speeding 11 - 15 MPH over limit	$1723	$288
Speeding 6 - 10 MPH over limit	$1723	$293
Passing school bus	$1730	$289
Speeding 16 - 20 MPH over limit	$1730	$294
Open container	$1759	$293
Speeding 21 - 25 MPH over limit	$1773	$302
At-fault accident - less than $1000	$1780	$296
Operating a vehicle without permission	$1877	$319
At-fault accident - $1000-$2000	$1891	$315
At-fault accident - greater than $2000	$1891	$322
Reckless driving	$2050	$342
Refusal to submit to a chemical test	$2099	$357
DUI	$2127	$355
Racing	$2189	$372
Driving with a suspended license	$2307	$385
Leaving scene of an accident/hit and run	$2307	$392

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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 Nichols Hills 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 Nichols Hills.

The cheapest car insurance premiums in Nichols Hills are offered by Mercury at $312 for a six-month policy. However, it can be as expensive as $2676 with companies like Farmers.

Nichols Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$312	$53
Progressive	$792	$133
State Farm	$1000	$168
USAA	$1161	$195
Shelter	$1891	$318
Oklahoma Farm Bureau	$2293	$383
Farm Bureau	$2356	$400
Allstate	$2516	$424
Farmers	$2676	$450

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 Nichols Hills are offered by Mercury at $243. However, it can be as expensive as $3203 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Nichols Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$243	$41
Oklahoma Farm Bureau	$340	$57
State Farm	$591	$99
Progressive	$827	$139
USAA	$903	$151
Shelter	$1418	$241
Farm Bureau	$1494	$249
Allstate	$2043	$347
Farmers	$3203	$534

Car Insurance Price Trends in Nichols Hills, Oklahoma

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

The average cost of full coverage in the Nichols Hills rose by $260 in December compared to $255 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 Nichols Hills rose to $55 in December, compared to $53 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 Nichols Hills?

The car insurance in Nichols Hills is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Nichols Hills?

The cheapest car insurance in Nichols Hills is $161 per month for full coverage.

How much is car insurance in Nichols Hills for teenagers?

Car insurance for teenagers costs $257 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 Nichols Hills?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $233 per month to insure your car in Nichols Hills.

Is car insurance expensive in Nichols Hills?

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

Cheapest Car Insurance Quotes in Nichols Hills

Why you can trust Way?

How Much Is Car Insurance in Nichols Hills

Avg. Car Insurance in Nichols Hills

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Nichols Hills

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Nichols Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Nichols Hills, OK

Way's key takeaways about car insurance in Nichols Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Nichols Hills

Cheapest Liability Coverage in Nichols Hills, OK

Cheapest Full Coverage Car Insurance in Nichols Hills

Cheapest Full Coverage Car Insurance Quotes in Nichols Hills, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Nichols Hills by Rating Factor

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

Car Insurance Premiums by Age in Nichols Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Nichols Hills,OK

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

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 Nichols Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Nichols Hills

Nichols Hills Car Insurance Rates by Violation

Nichols Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Nichols Hills after a DUI

Nichols Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Nichols Hills after Speeding ticket

Car Insurance Price Trends in Nichols Hills, Oklahoma

Average Car Insurance Cost in Nichols Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Nichols Hills, OK

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

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