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Finding the cheapest car insurance quotes in Overbrook shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Overbrook
The car insurance rate in Overbrook is $1236 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $879, making it a popular choice for budget-conscious drivers. Rates in Overbrook 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.
At $879 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Progressive
Progressive offers auto
insurance rates at $915 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Mercury
Mercury offers auto insurance
rates at $1022
for six months, making it
the third cheapest auto insurance company in Overbrook.
Overbrook Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Overbrook, OK is USAA, offering policies at just $879 for a six-month term. This is followed by Progressive, which has an average six-month premium of $915.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1800 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Overbrook drivers find the best deals.
Way's key takeaways about car insurance in Overbrook
The auto insurance costs in Overbrook fall around $879 for six
months.
The cheapest auto insurance company in Overbrook is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Overbrook at $42 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 Overbrook
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 Overbrook are given below.
American Farmers & Ranchers Mutual provides
the cheapest minimum car insurance
coverage in Overbrook. Their Average 6 Month Premium is $160.
Allstate is the most
expensive at $582 for the same
period.
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 Overbrook is USAA
at $148 per month and $879
for six months.
Cheapest Full Coverage Car Insurance Quotes in Overbrook,
OK
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Instantly!
Average Car Insurance in Overbrook 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 Overbrook, OK increasing?
Despite maintaining a clean driving record, your car insurance rates
in Overbrook, 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, Overbrook's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Overbrook
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
$714
30s
USAA
$553
40s
USAA
$507
50s
USAA
$486
60s
USAA
$497
70s
USAA
$574
Cheapest Car Insurance Rates for Teen Drivers in
Overbrook,OK
If you are planning to get a car insurance policy for your teenage
dependent, AFR Group provides the cheapest car
insurance in the Overbrook at $37
per
month. At $249 for a six-month premium,
American Farmers & Ranchers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Overbrook.
As young drivers face the highest rates in Overbrook, USAA
offers the cheapest auto insurance rates at $714 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 Overbrook,
Oklahoma Farm Bureau is
the cheapest car insurance provider. At $321 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
Overbrook is State Farm, offering
rates of around $5863 for six
months.
Save up to $971/yr on car insurance rates in Overbrook.
Car Insurance Rates with An Accident in Overbrook
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 Overbrook, OK,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Overbrook
The cheapest car insurance companies after an at-fault accident in
Overbrook include American Farmers & Ranchers Mutual
and AFR Group, offering $154
and $362,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2483.
Here is a list of driving violations that can increase your car
insurance rates in Overbrook OK. For example, the car
insurance in Overbrook
after a DUI increases to $630 for a six
month policy. While the rate increases by $285 for a six-month policy in the case of
a speeding ticket.
Overbrook auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1188
$198
One comp claim
$1212
$206
One Med/PIP claim
$1212
$202
Two Med/PIP claims
$1224
$208
Not-at-fault accident
$1230
$205
Two comp claims
$1236
$210
Failure to show documents
$1313
$219
Failure to wear a seat belt
$1354
$230
Child safety restraint
$1360
$227
Driving without lights
$1360
$231
Driving with expired registration
$1384
$231
Cell phone violation
$1402
$238
Driving too slowly
$1402
$234
Speeding in school zone
$1402
$238
Texting while driving
$1402
$234
Failure to yield
$1414
$240
Failure to stop at a red light
$1420
$237
Following too closely
$1426
$242
Illegal turn
$1426
$238
Wrong way/wrong lane
$1437
$244
Improper passing
$1443
$241
In 65 MPH zone
$1467
$249
Speeding 11 - 15 MPH over limit
$1473
$246
Speeding 6 - 10 MPH over limit
$1473
$250
Passing school bus
$1479
$247
Speeding 16 - 20 MPH over limit
$1479
$251
Open container
$1503
$250
Speeding 21 - 25 MPH over limit
$1515
$258
At-fault accident - less than $1000
$1521
$253
Operating a vehicle without permission
$1604
$273
At-fault accident - $1000-$2000
$1616
$269
At-fault accident - greater than $2000
$1616
$275
Reckless driving
$1752
$292
Refusal to submit to a chemical test
$1794
$305
DUI
$1818
$303
Racing
$1871
$318
Driving with a suspended license
$1972
$329
Leaving scene of an accident/hit and run
$1972
$335
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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 Overbrook 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 Overbrook.
The cheapest car insurance premiums in
Overbrook are
offered by Progressive at $659 for a six-month policy.
However, it can be as
expensive as $2323 with companies
like Farm Bureau.
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 Overbrook are offered by Oklahoma Farm Bureau
at $291. However,
it can be as expensive as $2239
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Overbrook after Speeding ticket
Car insurance rates in Overbrook have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Overbrook rose by
$243 in January
compared to $222 of December. In other words, there has been an increase by $21 when you
compare January and December.
The average cost of liability insurance in the Overbrook dipped to $46 in January,
compared to $47 in December.
This represents an decrease of $1
when comparing January and December.
Average Car Insurance Cost in Overbrook by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Overbrook. At $2472 for a
six-month policy, insuring
your car at 73453 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Overbrook?
The car insurance in Overbrook is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Overbrook?
The cheapest car insurance in Overbrook
is $148 per month
for full coverage.
How much is car insurance in Overbrook for teenagers?
Car insurance for teenagers costs $220 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
Overbrook?
The average cost of car insurance is $1236 for a six-month
policy. It will cost around $208 per month to insure your
car in Overbrook.
Is car insurance expensive in Overbrook?
Car insurance can be expensive in Overbrook if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Overbrook can be
affordable.
What is the best car insurance in Overbrook,
OK?
The best car insurance company in Overbrook
OK is
USAA, offering $879 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Overbrook, OK
Car Insurance Rates by State in the USA (2025 Update)
Overbrook Car Insurance
