We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Pickens 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 Pickens
The car insurance rate in Pickens is $1310 for a six-month policy, which is $74 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $932, making it a popular choice for budget-conscious drivers. Rates in Pickens 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 $932 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Progressive
Progressive offers auto
insurance rates at $970 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Mercury
Mercury offers auto insurance
rates at $1083
for six months, making it
the third cheapest auto insurance company in Pickens.
Pickens Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Pickens, OK is USAA, offering policies at just $932 for a six-month term. This is followed by Progressive, which has an average six-month premium of $970.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1908 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pickens drivers find the best deals.
Way's key takeaways about car insurance in Pickens
The auto insurance costs in Pickens fall around $932 for six
months.
The cheapest auto insurance company in Pickens is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Pickens at $45 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 Pickens
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 Pickens are given below.
American Farmers & Ranchers Mutual provides
the cheapest minimum car insurance
coverage in Pickens. Their Average 6 Month Premium is $170.
Allstate is the most
expensive at $617 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 Pickens is USAA
at $157 per month and $932
for six months.
Cheapest Full Coverage Car Insurance Quotes in Pickens,
OK
Get Your Car Insurance Quote in Pickens
Instantly!
Average Car Insurance in Pickens 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 Pickens, OK increasing?
Despite maintaining a clean driving record, your car insurance rates
in Pickens, 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, Pickens's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Pickens
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
$757
30s
USAA
$586
40s
USAA
$537
50s
USAA
$515
60s
USAA
$527
70s
USAA
$608
Cheapest Car Insurance Rates for Teen Drivers in
Pickens,OK
If you are planning to get a car insurance policy for your teenage
dependent, AFR Group provides the cheapest car
insurance in the Pickens at $39
per
month. At $264 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 Pickens.
As young drivers face the highest rates in Pickens, USAA
offers the cheapest auto insurance rates at $757 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 Pickens,
Oklahoma Farm Bureau is
the cheapest car insurance provider. At $340 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
Pickens is State Farm, offering
rates of around $6215 for six
months.
Save up to $971/yr on car insurance rates in Pickens.
Car Insurance Rates with An Accident in Pickens
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 Pickens, OK,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Pickens
The cheapest car insurance companies after an at-fault accident in
Pickens include American Farmers & Ranchers Mutual
and AFR Group, offering $163
and $384,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2632.
Here is a list of driving violations that can increase your car
insurance rates in Pickens OK. For example, the car
insurance in Pickens
after a DUI increases to $668 for a six
month policy. While the rate increases by $302 for a six-month policy in the case of
a speeding ticket.
Pickens auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1259
$210
One comp claim
$1285
$218
One Med/PIP claim
$1285
$214
Two Med/PIP claims
$1297
$220
Not-at-fault accident
$1304
$217
Two comp claims
$1310
$223
Failure to show documents
$1392
$232
Failure to wear a seat belt
$1435
$244
Child safety restraint
$1442
$241
Driving without lights
$1442
$245
Driving with expired registration
$1467
$245
Cell phone violation
$1486
$252
Driving too slowly
$1486
$248
Speeding in school zone
$1486
$252
Texting while driving
$1486
$248
Failure to yield
$1499
$254
Failure to stop at a red light
$1505
$251
Following too closely
$1512
$257
Illegal turn
$1512
$252
Wrong way/wrong lane
$1523
$259
Improper passing
$1530
$255
In 65 MPH zone
$1555
$264
Speeding 11 - 15 MPH over limit
$1561
$261
Speeding 6 - 10 MPH over limit
$1561
$265
Passing school bus
$1568
$262
Speeding 16 - 20 MPH over limit
$1568
$266
Open container
$1593
$265
Speeding 21 - 25 MPH over limit
$1606
$273
At-fault accident - less than $1000
$1612
$268
Operating a vehicle without permission
$1700
$289
At-fault accident - $1000-$2000
$1713
$285
At-fault accident - greater than $2000
$1713
$292
Reckless driving
$1857
$310
Refusal to submit to a chemical test
$1902
$323
DUI
$1927
$321
Racing
$1983
$337
Driving with a suspended license
$2090
$349
Leaving scene of an accident/hit and run
$2090
$355
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Pickens 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 Pickens.
The cheapest car insurance premiums in
Pickens are
offered by Progressive at $699 for a six-month policy.
However, it can be as
expensive as $2462 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 Pickens are offered by Oklahoma Farm Bureau
at $308. However,
it can be as expensive as $2373
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Pickens after Speeding ticket
Car insurance rates in Pickens have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Pickens rose by
$258 in January
compared to $235 of December. In other words, there has been an increase by $23 when you
compare January and December.
The average cost of liability insurance in the Pickens dipped to $49 in January,
compared to $50 in December.
This represents an decrease of $1
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Pickens. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Pickens?
The car insurance in Pickens is $29 per month, which is lower than the national average.
What is the cheapest car insurance in Pickens?
The cheapest car insurance in Pickens
is $157 per month
for full coverage.
How much is car insurance in Pickens for teenagers?
Car insurance for teenagers costs $233 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
Pickens?
The average cost of car insurance is $1236 for a six-month
policy. It will cost around $220 per month to insure your
car in Pickens.
Is car insurance expensive in Pickens?
Car insurance can be expensive in Pickens if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Pickens can be
affordable.
What is the best car insurance in Pickens,
OK?
The best car insurance company in Pickens
OK is
USAA, offering $932 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Pickens right now.
Find Car Insurance Rates in Cities Near Pickens, OK
Car Insurance Rates by State in the USA (2025 Update)
Pickens Car Insurance
