Cheapest Car Insurance Quotes in Oakhurst

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Oakhurst Car Insurance

^$ 31

/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 $1397 for a six-month policy, which is $161 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $993, 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

$1397

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Oakhurst

1st place: USAA

At $993 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $1034 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1155 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 USAA, offering policies at just $993 for a six-month term. This is followed by Progressive, which has an average six-month premium of $1034.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2034 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
USAA	$993	$167
Progressive	$1034	$174
Mercury	$1155	$194
State Farm	$1208	$203
Shelter	$1349	$227
American Farmers & Ranchers Mutual	$1370	$233
Farmers	$1409	$237
Oklahoma Farm Bureau	$1450	$246
AFR Group	$1671	$279
Farm Bureau	$1698	$289
Allstate	$2034	$342

Key Takeaways

Way's key takeaways about car insurance in Oakhurst

The auto insurance costs in Oakhurst fall around $993 for six months.
The cheapest auto insurance company in Oakhurst is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Oakhurst at $47 per month.

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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.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Oakhurst. Their Average 6 Month Premium is $181. Allstate is the most expensive at $658 for the same period.

Cheapest Liability Coverage in Oakhurst, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$181	$31
Mercury	$215	$36
USAA	$221	$37
AFR Group	$255	$43
Progressive	$262	$44
State Farm	$288	$49
Shelter	$342	$58
Oklahoma Farm Bureau	$370	$61
Farm Bureau	$416	$71
Farmers	$490	$82
Allstate	$658	$111

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 USAA at $167 per month and $993 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oakhurst, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$993	$167
Progressive	$1034	$174
Mercury	$1155	$194
State Farm	$1208	$203
Shelter	$1349	$227
American Farmers & Ranchers Mutual	$1370	$233
Farmers	$1409	$237
Oklahoma Farm Bureau	$1450	$246
AFR Group	$1671	$279
Farm Bureau	$1698	$289
Allstate	$2034	$342

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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	$807
30s	USAA	$625
40s	USAA	$573
50s	USAA	$549
60s	USAA	$562
70s	USAA	$649

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 $42 per month. At $281 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	$249	$42
USAA	$1390	$234
Progressive	$2423	$408
State Farm	$2450	$412
Mercury	$3175	$534
Shelter	$3611	$608
Oklahoma Farm Bureau	$4436	$755
Farm Bureau	$4967	$828
Allstate	$5497	$925
Farmers	$6397	$1077
American Farmers & Ranchers	$281	$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 $807 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, Oklahoma Farm Bureau is the cheapest car insurance provider. At $363 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 $6625 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$363	$60
Progressive	$852	$144
Mercury	$1450	$244
USAA	$1450	$246
Farm Bureau	$1705	$284
Shelter	$2799	$476
Farmers	$3054	$508
Allstate	$3141	$534
State Farm	$6625	$1104

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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 AFR Group, offering $174 and $409, respectively. Allstate is an expensive provider with an average six-month premium of $2806.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$174	$29
AFR Group	$409	$70
State Farm	$719	$121
USAA	$779	$131
Mercury	$940	$158
Oklahoma Farm Bureau	$966	$163
Progressive	$1007	$169
Shelter	$1758	$296
Farm Bureau	$1846	$307
Farmers	$2463	$415
Allstate	$2806	$472

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 $712 for a six month policy. While the rate increases by $322 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	$1342	$224
One comp claim	$1370	$233
One Med/PIP claim	$1370	$228
Two Med/PIP claims	$1383	$235
Not-at-fault accident	$1390	$232
Two comp claims	$1397	$237
Failure to show documents	$1484	$247
Failure to wear a seat belt	$1530	$260
Child safety restraint	$1537	$257
Driving without lights	$1537	$261
Driving with expired registration	$1564	$261
Cell phone violation	$1584	$269
Driving too slowly	$1584	$264
Speeding in school zone	$1584	$269
Texting while driving	$1584	$264
Failure to yield	$1598	$271
Failure to stop at a red light	$1605	$268
Following too closely	$1611	$273
Illegal turn	$1611	$269
Wrong way/wrong lane	$1624	$276
Improper passing	$1631	$272
In 65 MPH zone	$1658	$281
Speeding 11 - 15 MPH over limit	$1664	$278
Speeding 6 - 10 MPH over limit	$1664	$283
Passing school bus	$1671	$279
Speeding 16 - 20 MPH over limit	$1671	$284
Open container	$1698	$283
Speeding 21 - 25 MPH over limit	$1712	$292
At-fault accident - less than $1000	$1719	$286
Operating a vehicle without permission	$1813	$308
At-fault accident - $1000-$2000	$1826	$304
At-fault accident - greater than $2000	$1826	$311
Reckless driving	$1980	$330
Refusal to submit to a chemical test	$2027	$345
DUI	$2054	$342
Racing	$2114	$359
Driving with a suspended license	$2228	$372
Leaving scene of an accident/hit and run	$2228	$379

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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 Progressive at $745 for a six-month policy. However, it can be as expensive as $2625 with companies like Farm Bureau.

Oakhurst car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$745	$125
Mercury	$899	$151
State Farm	$1162	$195
USAA	$1181	$199
Shelter	$1993	$336
Oklahoma Farm Bureau	$2215	$370
Farmers	$2518	$424
Allstate	$2598	$437
Farm Bureau	$2625	$446

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 Oklahoma Farm Bureau at $329. However, it can be as expensive as $2530 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
Oklahoma Farm Bureau	$329	$55
Progressive	$719	$121
State Farm	$779	$131
USAA	$986	$167
Mercury	$1228	$207
Shelter	$1644	$279
Farm Bureau	$1698	$283
Allstate	$2443	$416
Farmers	$2530	$421

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 $275 in January compared to $251 of December. In other words, there has been an increase by $24 when you compare January and December.

The average cost of liability insurance in the Oakhurst dipped to $52 in January, compared to $53 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 Oakhurst?

The car insurance in Oakhurst is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Oakhurst?

The cheapest car insurance in Oakhurst is $167 per month for full coverage.

How much is car insurance in Oakhurst for teenagers?

Car insurance for teenagers costs $249 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 $1236 for a six-month policy. It will cost around $235 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: USAA

2nd place: Progressive

3rd place: Mercury

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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