Cheapest Car Insurance Quotes in Sand Springs

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Sand Springs Car Insurance

^$ 25

/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 Sand Springs

The car insurance rate in Sand Springs is $1226 for a six-month policy, which is $47 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $853, making it a popular choice for budget-conscious drivers. Rates in Sand Springs 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 Sand Springs

$1226

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Sand Springs

1st place: Mercury

At $853 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $895 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $994 for six months, making it the third cheapest auto insurance company in Sand Springs.

Sand Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sand Springs, OK is Mercury, offering policies at just $853 for a six-month term. This is followed by USAA, which has an average six-month premium of $895.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1717 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sand Springs drivers find the best deals.

Cheap Car Insurance Companies in Sand Springs, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$853	$144
USAA	$895	$151
Progressive	$994	$167
State Farm	$1038	$175
Shelter	$1130	$190
American Farmers & Ranchers Mutual	$1260	$214
Farm Bureau	$1328	$222
Oklahoma Farm Bureau	$1334	$227
Farmers	$1408	$237
AFR Group	$1538	$261
Allstate	$1717	$289

Key Takeaways

Way's key takeaways about car insurance in Sand Springs

The auto insurance costs in Sand Springs fall around $853 for six months.
The cheapest auto insurance company in Sand Springs is Mercury.
Teen drivers pay the highest rate in Sand Springs at $44 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 Sand Springs

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 Sand Springs are given below.

Mercury provides the cheapest minimum car insurance coverage in Sand Springs. Their Average 6 Month Premium is $149. Allstate is the most expensive at $599 for the same period.

Cheapest Liability Coverage in Sand Springs, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$149	$25
American Farmers & Ranchers Mutual	$166	$28
USAA	$198	$33
AFR Group	$235	$40
State Farm	$248	$42
Progressive	$254	$43
Shelter	$303	$51
Oklahoma Farm Bureau	$340	$56
Farm Bureau	$376	$64
Farmers	$556	$94
Allstate	$599	$101

Cheapest Full Coverage Car Insurance in Sand Springs

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 Sand Springs is Mercury at $144 per month and $853 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sand Springs, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$853	$144
USAA	$895	$151
Progressive	$994	$167
State Farm	$1038	$175
Shelter	$1130	$190
American Farmers & Ranchers Mutual	$1260	$214
Farm Bureau	$1328	$222
Oklahoma Farm Bureau	$1334	$227
Farmers	$1408	$237
AFR Group	$1538	$261
Allstate	$1717	$289

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Average Car Insurance in Sand Springs 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 Sand Springs, OK increasing?

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

Car Insurance Premiums by Age in Sand Springs

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	$762
30s	USAA	$591
40s	USAA	$541
50s	USAA	$519
60s	USAA	$530
70s	USAA	$613

Cheapest Car Insurance Rates for Teen Drivers in Sand Springs,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Sand Springs at $38 per month. At $259 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	$229	$38
Mercury	$235	$40
USAA	$1217	$205
State Farm	$1915	$322
Progressive	$2416	$407
Shelter	$3045	$513
Farm Bureau	$3972	$675
Oklahoma Farm Bureau	$4083	$680
Allstate	$4806	$809
Farmers	$7018	$1181
American Farmers & Ranchers	$259	$44

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 Sand Springs.

As young drivers face the highest rates in Sand Springs, USAA offers the cheapest auto insurance rates at $762 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 Sand Springs, Mercury is the cheapest car insurance provider. At $198 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 Sand Springs is State Farm, offering rates of around $3435 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$198	$33
Oklahoma Farm Bureau	$334	$57
Progressive	$927	$156
USAA	$1192	$203
Farm Bureau	$1334	$223
Shelter	$2137	$363
Allstate	$2372	$395
Farmers	$3410	$580
State Farm	$3435	$572

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Car Insurance Rates with An Accident in Sand Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sand Springs

The cheapest car insurance companies after an at-fault accident in Sand Springs include American Farmers & Ranchers Mutual and Mercury, offering $160 and $303, respectively. Farmers is an expensive provider with an average six-month premium of $2626.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$160	$27
Mercury	$303	$51
AFR Group	$376	$62
State Farm	$587	$99
USAA	$685	$115
Oklahoma Farm Bureau	$889	$150
Progressive	$982	$165
Farm Bureau	$1452	$246
Shelter	$1483	$250
Allstate	$2391	$402
Farmers	$2626	$442

Sand Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sand Springs OK. For example, the car insurance in Sand Springs after a DUI increases to $655 for a six month policy. While the rate increases by $296 for a six-month policy in the case of a speeding ticket.

Sand Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1236	$206
One comp claim	$1260	$214
One Med/PIP claim	$1260	$210
Two Med/PIP claims	$1273	$216
Not-at-fault accident	$1279	$213
Two comp claims	$1285	$218
Failure to show documents	$1366	$228
Failure to wear a seat belt	$1408	$239
Child safety restraint	$1414	$236
Driving without lights	$1414	$240
Driving with expired registration	$1439	$240
Cell phone violation	$1458	$248
Driving too slowly	$1458	$243
Speeding in school zone	$1458	$248
Texting while driving	$1458	$243
Failure to yield	$1471	$250
Failure to stop at a red light	$1477	$246
Following too closely	$1483	$252
Illegal turn	$1483	$248
Wrong way/wrong lane	$1494	$254
Improper passing	$1501	$251
In 65 MPH zone	$1526	$259
Speeding 11 - 15 MPH over limit	$1532	$256
Speeding 6 - 10 MPH over limit	$1532	$260
Passing school bus	$1538	$257
Speeding 16 - 20 MPH over limit	$1538	$261
Open container	$1563	$260
Speeding 21 - 25 MPH over limit	$1576	$268
At-fault accident - less than $1000	$1582	$263
Operating a vehicle without permission	$1668	$284
At-fault accident - $1000-$2000	$1681	$280
At-fault accident - greater than $2000	$1681	$286
Reckless driving	$1822	$304
Refusal to submit to a chemical test	$1866	$317
DUI	$1891	$315
Racing	$1946	$331
Driving with a suspended license	$2051	$342
Leaving scene of an accident/hit and run	$2051	$348

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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 Sand Springs 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 Sand Springs.

The cheapest car insurance premiums in Sand Springs are offered by Mercury at $278 for a six-month policy. However, it can be as expensive as $2378 with companies like Farmers.

Sand Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$278	$47
Progressive	$704	$119
State Farm	$889	$150
USAA	$1032	$174
Shelter	$1681	$283
Oklahoma Farm Bureau	$2038	$340
Farm Bureau	$2095	$356
Allstate	$2236	$376
Farmers	$2378	$400

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 Sand Springs are offered by Mercury at $216. However, it can be as expensive as $2848 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sand Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$216	$36
Oklahoma Farm Bureau	$303	$51
State Farm	$525	$88
Progressive	$735	$124
USAA	$803	$134
Shelter	$1260	$214
Farm Bureau	$1328	$222
Allstate	$1816	$309
Farmers	$2848	$474

Car Insurance Price Trends in Sand Springs, Oklahoma

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

The average cost of full coverage in the Sand Springs rose by $231 in December compared to $227 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Sand Springs rose to $49 in December, compared to $47 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Sand Springs?

The car insurance in Sand Springs is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Sand Springs?

The cheapest car insurance in Sand Springs is $144 per month for full coverage.

How much is car insurance in Sand Springs for teenagers?

Car insurance for teenagers costs $229 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 Sand Springs?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $207 per month to insure your car in Sand Springs.

Is car insurance expensive in Sand Springs?

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

Cheapest Car Insurance Quotes in Sand Springs

Why you can trust Way?

How Much Is Car Insurance in Sand Springs

Avg. Car Insurance in Sand Springs

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Sand Springs

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Sand Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Sand Springs, OK

Way's key takeaways about car insurance in Sand Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sand Springs

Cheapest Liability Coverage in Sand Springs, OK

Cheapest Full Coverage Car Insurance in Sand Springs

Cheapest Full Coverage Car Insurance Quotes in Sand Springs, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sand Springs by Rating Factor

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

Car Insurance Premiums by Age in Sand Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sand Springs,OK

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

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 Sand Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Sand Springs

Sand Springs Car Insurance Rates by Violation

Sand Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sand Springs after a DUI

Sand Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sand Springs after Speeding ticket

Car Insurance Price Trends in Sand Springs, Oklahoma

Average Car Insurance Cost in Sand Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sand Springs, OK

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

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