Cheapest Car Insurance Quotes in Nicoma Park

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Nicoma Park 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 Nicoma Park

The car insurance rate in Nicoma Park is $1309 for a six-month policy, which is $130 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $910, making it a popular choice for budget-conscious drivers. Rates in Nicoma Park 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 Nicoma Park

$1309

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Nicoma Park

1st place: Mercury

At $910 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $956 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1061 for six months, making it the third cheapest auto insurance company in Nicoma Park.

Nicoma Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Nicoma Park, OK is Mercury, offering policies at just $910 for a six-month term. This is followed by USAA, which has an average six-month premium of $956.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1833 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Nicoma Park drivers find the best deals.

Cheap Car Insurance Companies in Nicoma Park, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$910	$153
USAA	$956	$161
Progressive	$1061	$179
State Farm	$1108	$186
Shelter	$1207	$203
American Farmers & Ranchers Mutual	$1345	$229
Farm Bureau	$1417	$236
Oklahoma Farm Bureau	$1424	$242
Farmers	$1503	$253
AFR Group	$1642	$279
Allstate	$1833	$309

Key Takeaways

Way's key takeaways about car insurance in Nicoma Park

The auto insurance costs in Nicoma Park fall around $910 for six months.
The cheapest auto insurance company in Nicoma Park is Mercury.
Teen drivers pay the highest rate in Nicoma Park at $47 per month.

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Cheapest Minimum Liability Car Insurance in Nicoma Park

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 Nicoma Park are given below.

Mercury provides the cheapest minimum car insurance coverage in Nicoma Park. Their Average 6 Month Premium is $159. Allstate is the most expensive at $639 for the same period.

Cheapest Liability Coverage in Nicoma Park, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$159	$27
American Farmers & Ranchers Mutual	$178	$30
USAA	$211	$36
AFR Group	$251	$42
State Farm	$264	$44
Progressive	$271	$46
Shelter	$323	$54
Oklahoma Farm Bureau	$363	$60
Farm Bureau	$402	$69
Farmers	$594	$100
Allstate	$639	$108

Cheapest Full Coverage Car Insurance in Nicoma Park

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 Nicoma Park is Mercury at $153 per month and $910 for six months.

Cheapest Full Coverage Car Insurance Quotes in Nicoma Park, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$910	$153
USAA	$956	$161
Progressive	$1061	$179
State Farm	$1108	$186
Shelter	$1207	$203
American Farmers & Ranchers Mutual	$1345	$229
Farm Bureau	$1417	$236
Oklahoma Farm Bureau	$1424	$242
Farmers	$1503	$253
AFR Group	$1642	$279
Allstate	$1833	$309

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Average Car Insurance in Nicoma Park 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 Nicoma Park, OK increasing?

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

Car Insurance Premiums by Age in Nicoma Park

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	$814
30s	USAA	$630
40s	USAA	$577
50s	USAA	$554
60s	USAA	$566
70s	USAA	$654

Cheapest Car Insurance Rates for Teen Drivers in Nicoma Park,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Nicoma Park at $41 per month. At $276 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	$244	$41
Mercury	$251	$42
USAA	$1299	$219
State Farm	$2044	$344
Progressive	$2579	$434
Shelter	$3250	$547
Farm Bureau	$4239	$720
Oklahoma Farm Bureau	$4358	$726
Allstate	$5129	$864
Farmers	$7490	$1261
American Farmers & Ranchers	$276	$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 Nicoma Park.

As young drivers face the highest rates in Nicoma Park, USAA offers the cheapest auto insurance rates at $814 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 Nicoma Park, Mercury is the cheapest car insurance provider. At $211 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 Nicoma Park is State Farm, offering rates of around $3666 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$211	$36
Oklahoma Farm Bureau	$356	$61
Progressive	$989	$167
USAA	$1272	$216
Farm Bureau	$1424	$238
Shelter	$2281	$387
Allstate	$2532	$422
Farmers	$3640	$619
State Farm	$3666	$611

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Car Insurance Rates with An Accident in Nicoma Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Nicoma Park

The cheapest car insurance companies after an at-fault accident in Nicoma Park include American Farmers & Ranchers Mutual and Mercury, offering $171 and $323, respectively. Farmers is an expensive provider with an average six-month premium of $2803.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$171	$29
Mercury	$323	$54
AFR Group	$402	$67
State Farm	$626	$105
USAA	$731	$123
Oklahoma Farm Bureau	$949	$160
Progressive	$1048	$176
Farm Bureau	$1550	$263
Shelter	$1583	$266
Allstate	$2552	$430
Farmers	$2803	$472

Nicoma Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Nicoma Park OK. For example, the car insurance in Nicoma Park after a DUI increases to $699 for a six month policy. While the rate increases by $316 for a six-month policy in the case of a speeding ticket.

Nicoma Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1319	$220
One comp claim	$1345	$229
One Med/PIP claim	$1345	$224
Two Med/PIP claims	$1359	$231
Not-at-fault accident	$1365	$228
Two comp claims	$1372	$233
Failure to show documents	$1457	$243
Failure to wear a seat belt	$1503	$255
Child safety restraint	$1510	$252
Driving without lights	$1510	$256
Driving with expired registration	$1536	$256
Cell phone violation	$1556	$264
Driving too slowly	$1556	$260
Speeding in school zone	$1556	$264
Texting while driving	$1556	$260
Failure to yield	$1570	$266
Failure to stop at a red light	$1576	$263
Following too closely	$1583	$269
Illegal turn	$1583	$264
Wrong way/wrong lane	$1595	$271
Improper passing	$1602	$268
In 65 MPH zone	$1628	$276
Speeding 11 - 15 MPH over limit	$1635	$273
Speeding 6 - 10 MPH over limit	$1635	$278
Passing school bus	$1642	$274
Speeding 16 - 20 MPH over limit	$1642	$279
Open container	$1668	$278
Speeding 21 - 25 MPH over limit	$1682	$286
At-fault accident - less than $1000	$1688	$281
Operating a vehicle without permission	$1780	$303
At-fault accident - $1000-$2000	$1794	$299
At-fault accident - greater than $2000	$1794	$305
Reckless driving	$1945	$324
Refusal to submit to a chemical test	$1991	$339
DUI	$2018	$336
Racing	$2077	$353
Driving with a suspended license	$2189	$365
Leaving scene of an accident/hit and run	$2189	$372

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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 Nicoma Park 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 Nicoma Park.

The cheapest car insurance premiums in Nicoma Park are offered by Mercury at $296 for a six-month policy. However, it can be as expensive as $2539 with companies like Farmers.

Nicoma Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$296	$50
Progressive	$751	$127
State Farm	$949	$160
USAA	$1101	$185
Shelter	$1794	$302
Oklahoma Farm Bureau	$2176	$363
Farm Bureau	$2236	$380
Allstate	$2387	$402
Farmers	$2539	$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 Nicoma Park are offered by Mercury at $231. However, it can be as expensive as $3039 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Nicoma Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$231	$39
Oklahoma Farm Bureau	$323	$54
State Farm	$561	$94
Progressive	$785	$132
USAA	$857	$143
Shelter	$1345	$229
Farm Bureau	$1417	$236
Allstate	$1938	$330
Farmers	$3039	$506

Car Insurance Price Trends in Nicoma Park, Oklahoma

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

The average cost of full coverage in the Nicoma Park rose by $246 in December compared to $242 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Nicoma Park rose to $52 in December, compared to $50 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 Nicoma Park?

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

What is the cheapest car insurance in Nicoma Park?

The cheapest car insurance in Nicoma Park is $153 per month for full coverage.

How much is car insurance in Nicoma Park for teenagers?

Car insurance for teenagers costs $244 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 Nicoma Park?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $221 per month to insure your car in Nicoma Park.

Is car insurance expensive in Nicoma Park?

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

Cheapest Car Insurance Quotes in Nicoma Park

Why you can trust Way?

How Much Is Car Insurance in Nicoma Park

Avg. Car Insurance in Nicoma Park

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Nicoma Park

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Nicoma Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Nicoma Park, OK

Way's key takeaways about car insurance in Nicoma Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Nicoma Park

Cheapest Liability Coverage in Nicoma Park, OK

Cheapest Full Coverage Car Insurance in Nicoma Park

Cheapest Full Coverage Car Insurance Quotes in Nicoma Park, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Nicoma Park by Rating Factor

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

Car Insurance Premiums by Age in Nicoma Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Nicoma Park,OK

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

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 Nicoma Park

Cheapest Car Insurance Companies after an At-Fault Accident in Nicoma Park

Nicoma Park Car Insurance Rates by Violation

Nicoma Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Nicoma Park after a DUI

Nicoma Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Nicoma Park after Speeding ticket

Car Insurance Price Trends in Nicoma Park, Oklahoma

Average Car Insurance Cost in Nicoma Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Nicoma Park, OK

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

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