Cheapest Car Insurance Quotes in Park Hill

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Park Hill 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 Park Hill

The car insurance rate in Park Hill is $1273 for a six-month policy, which is $37 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $905, making it a popular choice for budget-conscious drivers. Rates in Park Hill 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 Park Hill

$1273

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Park Hill

1st place: USAA

At $905 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $942 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1053 for six months, making it the third cheapest auto insurance company in Park Hill.

Park Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Park Hill, OK is USAA, offering policies at just $905 for a six-month term. This is followed by Progressive, which has an average six-month premium of $942.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1854 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Park Hill drivers find the best deals.

Cheap Car Insurance Companies in Park Hill, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$905	$152
Progressive	$942	$159
Mercury	$1053	$177
State Farm	$1101	$185
Shelter	$1230	$207
American Farmers & Ranchers Mutual	$1248	$212
Farmers	$1284	$216
Oklahoma Farm Bureau	$1321	$225
AFR Group	$1523	$254
Farm Bureau	$1548	$264
Allstate	$1854	$312

Key Takeaways

Way's key takeaways about car insurance in Park Hill

The auto insurance costs in Park Hill fall around $905 for six months.
The cheapest auto insurance company in Park Hill is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Park Hill at $43 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Park Hill

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 Park Hill are given below.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Park Hill. Their Average 6 Month Premium is $165. Allstate is the most expensive at $599 for the same period.

Cheapest Liability Coverage in Park Hill, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$165	$28
Mercury	$196	$33
USAA	$202	$34
AFR Group	$233	$39
Progressive	$239	$40
State Farm	$263	$44
Shelter	$312	$53
Oklahoma Farm Bureau	$337	$56
Farm Bureau	$379	$65
Farmers	$447	$75
Allstate	$599	$101

Cheapest Full Coverage Car Insurance in Park Hill

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 Park Hill is USAA at $152 per month and $905 for six months.

Cheapest Full Coverage Car Insurance Quotes in Park Hill, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$905	$152
Progressive	$942	$159
Mercury	$1053	$177
State Farm	$1101	$185
Shelter	$1230	$207
American Farmers & Ranchers Mutual	$1248	$212
Farmers	$1284	$216
Oklahoma Farm Bureau	$1321	$225
AFR Group	$1523	$254
Farm Bureau	$1548	$264
Allstate	$1854	$312

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

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

Car Insurance Premiums by Age in Park Hill

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	$735
30s	USAA	$570
40s	USAA	$522
50s	USAA	$501
60s	USAA	$512
70s	USAA	$591

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

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Park Hill at $38 per month. At $256 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	$227	$38
USAA	$1267	$213
Progressive	$2208	$372
State Farm	$2233	$376
Mercury	$2894	$487
Shelter	$3292	$554
Oklahoma Farm Bureau	$4044	$688
Farm Bureau	$4528	$755
Allstate	$5011	$844
Farmers	$5831	$982
American Farmers & Ranchers	$256	$43

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 Park Hill.

As young drivers face the highest rates in Park Hill, USAA offers the cheapest auto insurance rates at $735 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 Park Hill, Oklahoma Farm Bureau is the cheapest car insurance provider. At $331 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 Park Hill is State Farm, offering rates of around $6039 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$331	$55
Progressive	$777	$131
Mercury	$1321	$222
USAA	$1321	$225
Farm Bureau	$1554	$259
Shelter	$2551	$434
Farmers	$2784	$464
Allstate	$2863	$487
State Farm	$6039	$1006

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

Car Insurance Rates with An Accident in Park Hill

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

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

The cheapest car insurance companies after an at-fault accident in Park Hill include American Farmers & Ranchers Mutual and AFR Group, offering $159 and $373, respectively. Allstate is an expensive provider with an average six-month premium of $2557.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$159	$27
AFR Group	$373	$64
State Farm	$655	$110
USAA	$710	$119
Mercury	$857	$144
Oklahoma Farm Bureau	$881	$148
Progressive	$918	$155
Shelter	$1603	$270
Farm Bureau	$1683	$280
Farmers	$2245	$378
Allstate	$2557	$431

Park Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Park Hill OK. For example, the car insurance in Park Hill after a DUI increases to $649 for a six month policy. While the rate increases by $293 for a six-month policy in the case of a speeding ticket.

Park Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1224	$204
One comp claim	$1248	$212
One Med/PIP claim	$1248	$208
Two Med/PIP claims	$1261	$214
Not-at-fault accident	$1267	$211
Two comp claims	$1273	$216
Failure to show documents	$1352	$226
Failure to wear a seat belt	$1395	$237
Child safety restraint	$1401	$234
Driving without lights	$1401	$238
Driving with expired registration	$1426	$238
Cell phone violation	$1444	$245
Driving too slowly	$1444	$241
Speeding in school zone	$1444	$245
Texting while driving	$1444	$241
Failure to yield	$1456	$247
Failure to stop at a red light	$1463	$244
Following too closely	$1469	$249
Illegal turn	$1469	$245
Wrong way/wrong lane	$1480	$251
Improper passing	$1486	$248
In 65 MPH zone	$1511	$256
Speeding 11 - 15 MPH over limit	$1517	$253
Speeding 6 - 10 MPH over limit	$1517	$258
Passing school bus	$1523	$254
Speeding 16 - 20 MPH over limit	$1523	$259
Open container	$1548	$258
Speeding 21 - 25 MPH over limit	$1560	$266
At-fault accident - less than $1000	$1567	$261
Operating a vehicle without permission	$1652	$281
At-fault accident - $1000-$2000	$1664	$277
At-fault accident - greater than $2000	$1664	$283
Reckless driving	$1805	$301
Refusal to submit to a chemical test	$1848	$314
DUI	$1873	$312
Racing	$1927	$328
Driving with a suspended license	$2031	$339
Leaving scene of an accident/hit and run	$2031	$345

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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 Park Hill 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 Park Hill.

The cheapest car insurance premiums in Park Hill are offered by Progressive at $679 for a six-month policy. However, it can be as expensive as $2393 with companies like Farm Bureau.

Park Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$679	$114
Mercury	$820	$138
State Farm	$1059	$178
USAA	$1076	$181
Shelter	$1817	$306
Oklahoma Farm Bureau	$2019	$337
Farmers	$2295	$386
Allstate	$2368	$399
Farm Bureau	$2393	$407

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 Park Hill are offered by Oklahoma Farm Bureau at $300. However, it can be as expensive as $2306 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Park Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$300	$50
Progressive	$655	$110
State Farm	$710	$119
USAA	$899	$152
Mercury	$1120	$188
Shelter	$1499	$254
Farm Bureau	$1548	$258
Allstate	$2227	$379
Farmers	$2306	$384

Car Insurance Price Trends in Park Hill, Oklahoma

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

The average cost of full coverage in the Park Hill rose by $250 in January compared to $229 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 Park Hill dipped to $47 in January, compared to $48 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 Park Hill?

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

What is the cheapest car insurance in Park Hill?

The cheapest car insurance in Park Hill is $152 per month for full coverage.

How much is car insurance in Park Hill for teenagers?

Car insurance for teenagers costs $227 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 Park Hill?

The average cost of car insurance is $1236 for a six-month policy. It will cost around $214 per month to insure your car in Park Hill.

Is car insurance expensive in Park Hill?

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

Cheapest Car Insurance Quotes in Park Hill

Why you can trust Way?

How Much Is Car Insurance in Park Hill

Avg. Car Insurance in Park Hill

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Park Hill

1st place: USAA

2nd place: Progressive

3rd place: Mercury

Park Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Park Hill, OK

Way's key takeaways about car insurance in Park Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Park Hill

Cheapest Liability Coverage in Park Hill, OK

Cheapest Full Coverage Car Insurance in Park Hill

Cheapest Full Coverage Car Insurance Quotes in Park Hill, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Park Hill by Rating Factor

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

Car Insurance Premiums by Age in Park Hill

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Park Hill

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

Park Hill Car Insurance Rates by Violation

Park Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Park Hill after a DUI

Park Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Park Hill after Speeding ticket

Car Insurance Price Trends in Park Hill, Oklahoma

Average Car Insurance Cost in Park Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Park Hill, OK

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

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