Cheapest Car Insurance Quotes in Oakhurst

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Oakhurst 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 Oakhurst

The car insurance rate in Oakhurst is $1320 for a six-month policy, which is $141 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $918, making it a popular choice for budget-conscious drivers. Rates in Oakhurst 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 Oakhurst

$1320

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Oakhurst

1st place: Mercury

At $918 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $964 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1071 for six months, making it the third cheapest auto insurance company in Oakhurst.

Oakhurst Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oakhurst, OK is Mercury, offering policies at just $918 for a six-month term. This is followed by USAA, which has an average six-month premium of $964.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1849 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oakhurst drivers find the best deals.

Cheap Car Insurance Companies in Oakhurst, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$918	$155
USAA	$964	$162
Progressive	$1071	$180
State Farm	$1118	$188
Shelter	$1217	$205
American Farmers & Ranchers Mutual	$1357	$231
Farm Bureau	$1430	$239
Oklahoma Farm Bureau	$1437	$244
Farmers	$1516	$255
AFR Group	$1656	$281
Allstate	$1849	$311

Key Takeaways

Way's key takeaways about car insurance in Oakhurst

The auto insurance costs in Oakhurst fall around $918 for six months.
The cheapest auto insurance company in Oakhurst is Mercury.
Teen drivers pay the highest rate in Oakhurst 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 Oakhurst

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 Oakhurst are given below.

Mercury provides the cheapest minimum car insurance coverage in Oakhurst. Their Average 6 Month Premium is $160. Allstate is the most expensive at $645 for the same period.

Cheapest Liability Coverage in Oakhurst, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$160	$27
American Farmers & Ranchers Mutual	$179	$30
USAA	$213	$36
AFR Group	$253	$43
State Farm	$267	$45
Progressive	$273	$46
Shelter	$326	$55
Oklahoma Farm Bureau	$366	$60
Farm Bureau	$405	$69
Farmers	$599	$101
Allstate	$645	$109

Cheapest Full Coverage Car Insurance in Oakhurst

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 Oakhurst is Mercury at $155 per month and $918 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oakhurst, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$918	$155
USAA	$964	$162
Progressive	$1071	$180
State Farm	$1118	$188
Shelter	$1217	$205
American Farmers & Ranchers Mutual	$1357	$231
Farm Bureau	$1430	$239
Oklahoma Farm Bureau	$1437	$244
Farmers	$1516	$255
AFR Group	$1656	$281
Allstate	$1849	$311

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Average Car Insurance in Oakhurst 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 Oakhurst, OK increasing?

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

Car Insurance Premiums by Age in Oakhurst

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	$821
30s	USAA	$636
40s	USAA	$582
50s	USAA	$559
60s	USAA	$571
70s	USAA	$660

Cheapest Car Insurance Rates for Teen Drivers in Oakhurst,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Oakhurst at $41 per month. At $279 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	$246	$41
Mercury	$253	$43
USAA	$1310	$221
State Farm	$2062	$347
Progressive	$2602	$438
Shelter	$3279	$552
Farm Bureau	$4277	$727
Oklahoma Farm Bureau	$4397	$732
Allstate	$5176	$871
Farmers	$7558	$1272
American Farmers & Ranchers	$279	$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 Oakhurst.

As young drivers face the highest rates in Oakhurst, USAA offers the cheapest auto insurance rates at $821 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 Oakhurst, Mercury is the cheapest car insurance provider. At $213 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 Oakhurst is State Farm, offering rates of around $3699 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$213	$36
Oklahoma Farm Bureau	$360	$62
Progressive	$998	$168
USAA	$1284	$218
Farm Bureau	$1437	$240
Shelter	$2302	$391
Allstate	$2555	$426
Farmers	$3672	$625
State Farm	$3699	$616

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

Car Insurance Rates with An Accident in Oakhurst

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

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

The cheapest car insurance companies after an at-fault accident in Oakhurst include American Farmers & Ranchers Mutual and Mercury, offering $172 and $326, respectively. Farmers is an expensive provider with an average six-month premium of $2828.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$172	$29
Mercury	$326	$55
AFR Group	$405	$67
State Farm	$632	$106
USAA	$738	$124
Oklahoma Farm Bureau	$958	$161
Progressive	$1057	$178
Farm Bureau	$1564	$265
Shelter	$1597	$269
Allstate	$2575	$433
Farmers	$2828	$476

Oakhurst Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oakhurst OK. For example, the car insurance in Oakhurst after a DUI increases to $705 for a six month policy. While the rate increases by $319 for a six-month policy in the case of a speeding ticket.

Oakhurst auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1331	$222
One comp claim	$1357	$231
One Med/PIP claim	$1357	$226
Two Med/PIP claims	$1371	$233
Not-at-fault accident	$1378	$230
Two comp claims	$1384	$235
Failure to show documents	$1471	$245
Failure to wear a seat belt	$1516	$258
Child safety restraint	$1523	$254
Driving without lights	$1523	$259
Driving with expired registration	$1550	$259
Cell phone violation	$1570	$267
Driving too slowly	$1570	$262
Speeding in school zone	$1570	$267
Texting while driving	$1570	$262
Failure to yield	$1584	$269
Failure to stop at a red light	$1590	$265
Following too closely	$1597	$271
Illegal turn	$1597	$267
Wrong way/wrong lane	$1609	$273
Improper passing	$1616	$270
In 65 MPH zone	$1643	$279
Speeding 11 - 15 MPH over limit	$1650	$276
Speeding 6 - 10 MPH over limit	$1650	$280
Passing school bus	$1656	$277
Speeding 16 - 20 MPH over limit	$1656	$281
Open container	$1683	$280
Speeding 21 - 25 MPH over limit	$1697	$289
At-fault accident - less than $1000	$1704	$283
Operating a vehicle without permission	$1796	$306
At-fault accident - $1000-$2000	$1810	$301
At-fault accident - greater than $2000	$1810	$308
Reckless driving	$1962	$327
Refusal to submit to a chemical test	$2009	$342
DUI	$2036	$339
Racing	$2096	$356
Driving with a suspended license	$2209	$368
Leaving scene of an accident/hit and run	$2209	$375

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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 Oakhurst 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 Oakhurst.

The cheapest car insurance premiums in Oakhurst are offered by Mercury at $299 for a six-month policy. However, it can be as expensive as $2561 with companies like Farmers.

Oakhurst car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$299	$50
Progressive	$758	$128
State Farm	$958	$161
USAA	$1111	$187
Shelter	$1810	$305
Oklahoma Farm Bureau	$2195	$366
Farm Bureau	$2256	$383
Allstate	$2408	$405
Farmers	$2561	$431

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 Oakhurst are offered by Mercury at $233. However, it can be as expensive as $3067 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Oakhurst after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$233	$39
Oklahoma Farm Bureau	$326	$55
State Farm	$566	$95
Progressive	$792	$133
USAA	$865	$144
Shelter	$1357	$231
Farm Bureau	$1430	$239
Allstate	$1956	$333
Farmers	$3067	$511

Car Insurance Price Trends in Oakhurst, Oklahoma

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

The average cost of full coverage in the Oakhurst rose by $249 in December compared to $244 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 Oakhurst rose to $53 in December, compared to $50 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Oakhurst?

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

What is the cheapest car insurance in Oakhurst?

The cheapest car insurance in Oakhurst is $155 per month for full coverage.

How much is car insurance in Oakhurst for teenagers?

Car insurance for teenagers costs $246 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 Oakhurst?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $223 per month to insure your car in Oakhurst.

Is car insurance expensive in Oakhurst?

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

Cheapest Car Insurance Quotes in Oakhurst

Why you can trust Way?

How Much Is Car Insurance in Oakhurst

Avg. Car Insurance in Oakhurst

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Oakhurst

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Oakhurst Car Insurance Rates by Company

Cheap Car Insurance Companies in Oakhurst, OK

Way's key takeaways about car insurance in Oakhurst

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oakhurst

Cheapest Liability Coverage in Oakhurst, OK

Cheapest Full Coverage Car Insurance in Oakhurst

Cheapest Full Coverage Car Insurance Quotes in Oakhurst, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oakhurst by Rating Factor

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

Car Insurance Premiums by Age in Oakhurst

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oakhurst,OK

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

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 Oakhurst

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

Oakhurst Car Insurance Rates by Violation

Oakhurst auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oakhurst after a DUI

Oakhurst car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oakhurst after Speeding ticket

Car Insurance Price Trends in Oakhurst, Oklahoma

Average Car Insurance Cost in Oakhurst by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oakhurst, OK

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

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