Cheapest Car Insurance Quotes in Spencer

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406,175 Policies Sold

Spencer 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 Spencer

The car insurance rate in Spencer is $1421 for a six-month policy, which is $185 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1011, making it a popular choice for budget-conscious drivers. Rates in Spencer 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 Spencer

$1421

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Spencer

1st place: USAA

At $1011 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $1052 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1175 for six months, making it the third cheapest auto insurance company in Spencer.

Spencer Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Spencer, OK is USAA, offering policies at just $1011 for a six-month term. This is followed by Progressive, which has an average six-month premium of $1052.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2070 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Spencer drivers find the best deals.

Cheap Car Insurance Companies in Spencer, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1011	$170
Progressive	$1052	$177
Mercury	$1175	$198
State Farm	$1229	$207
Shelter	$1373	$231
American Farmers & Ranchers Mutual	$1394	$237
Farmers	$1434	$241
Oklahoma Farm Bureau	$1475	$251
AFR Group	$1701	$284
Farm Bureau	$1728	$294
Allstate	$2070	$348

Key Takeaways

Way's key takeaways about car insurance in Spencer

The auto insurance costs in Spencer fall around $1011 for six months.
The cheapest auto insurance company in Spencer is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Spencer at $48 per month.

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Cheapest Minimum Liability Car Insurance in Spencer

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 Spencer are given below.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Spencer. Their Average 6 Month Premium is $184. Allstate is the most expensive at $669 for the same period.

Cheapest Liability Coverage in Spencer, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$184	$31
Mercury	$218	$37
USAA	$225	$38
AFR Group	$260	$44
Progressive	$267	$45
State Farm	$293	$49
Shelter	$348	$59
Oklahoma Farm Bureau	$376	$62
Farm Bureau	$423	$72
Farmers	$499	$84
Allstate	$669	$113

Cheapest Full Coverage Car Insurance in Spencer

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 Spencer is USAA at $170 per month and $1011 for six months.

Cheapest Full Coverage Car Insurance Quotes in Spencer, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1011	$170
Progressive	$1052	$177
Mercury	$1175	$198
State Farm	$1229	$207
Shelter	$1373	$231
American Farmers & Ranchers Mutual	$1394	$237
Farmers	$1434	$241
Oklahoma Farm Bureau	$1475	$251
AFR Group	$1701	$284
Farm Bureau	$1728	$294
Allstate	$2070	$348

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Average Car Insurance in Spencer 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 Spencer, OK increasing?

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

Car Insurance Premiums by Age in Spencer

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	$821
30s	USAA	$636
40s	USAA	$583
50s	USAA	$559
60s	USAA	$572
70s	USAA	$660

Cheapest Car Insurance Rates for Teen Drivers in Spencer,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Spencer at $43 per month. At $286 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	$253	$43
USAA	$1415	$238
Progressive	$2466	$415
State Farm	$2493	$420
Mercury	$3231	$544
Shelter	$3675	$619
Oklahoma Farm Bureau	$4515	$768
Farm Bureau	$5055	$843
Allstate	$5595	$942
Farmers	$6510	$1096
American Farmers & Ranchers	$286	$48

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 Spencer.

As young drivers face the highest rates in Spencer, USAA offers the cheapest auto insurance rates at $821 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 Spencer, Oklahoma Farm Bureau is the cheapest car insurance provider. At $369 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 Spencer is State Farm, offering rates of around $6742 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$369	$61
Progressive	$867	$146
Mercury	$1475	$248
USAA	$1475	$251
Farm Bureau	$1735	$289
Shelter	$2849	$484
Farmers	$3108	$518
Allstate	$3197	$544
State Farm	$6742	$1124

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Car Insurance Rates with An Accident in Spencer

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

Cheapest Car Insurance Companies after an At-Fault Accident in Spencer

The cheapest car insurance companies after an at-fault accident in Spencer include American Farmers & Ranchers Mutual and AFR Group, offering $177 and $416, respectively. Allstate is an expensive provider with an average six-month premium of $2855.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$177	$30
AFR Group	$416	$71
State Farm	$731	$123
USAA	$792	$133
Mercury	$957	$161
Oklahoma Farm Bureau	$983	$166
Progressive	$1025	$173
Shelter	$1789	$301
Farm Bureau	$1879	$313
Farmers	$2507	$422
Allstate	$2855	$481

Spencer Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Spencer OK. For example, the car insurance in Spencer after a DUI increases to $725 for a six month policy. While the rate increases by $328 for a six-month policy in the case of a speeding ticket.

Spencer auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1366	$228
One comp claim	$1394	$237
One Med/PIP claim	$1394	$232
Two Med/PIP claims	$1408	$239
Not-at-fault accident	$1415	$236
Two comp claims	$1421	$241
Failure to show documents	$1510	$252
Failure to wear a seat belt	$1557	$265
Child safety restraint	$1564	$261
Driving without lights	$1564	$266
Driving with expired registration	$1592	$266
Cell phone violation	$1612	$274
Driving too slowly	$1612	$269
Speeding in school zone	$1612	$274
Texting while driving	$1612	$269
Failure to yield	$1626	$276
Failure to stop at a red light	$1633	$273
Following too closely	$1640	$278
Illegal turn	$1640	$274
Wrong way/wrong lane	$1653	$281
Improper passing	$1659	$277
In 65 MPH zone	$1687	$286
Speeding 11 - 15 MPH over limit	$1694	$283
Speeding 6 - 10 MPH over limit	$1694	$288
Passing school bus	$1701	$284
Speeding 16 - 20 MPH over limit	$1701	$289
Open container	$1728	$288
Speeding 21 - 25 MPH over limit	$1742	$297
At-fault accident - less than $1000	$1749	$291
Operating a vehicle without permission	$1845	$314
At-fault accident - $1000-$2000	$1858	$309
At-fault accident - greater than $2000	$1858	$316
Reckless driving	$2015	$336
Refusal to submit to a chemical test	$2063	$351
DUI	$2091	$348
Racing	$2152	$366
Driving with a suspended license	$2268	$378
Leaving scene of an accident/hit and run	$2268	$385

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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 Spencer 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 Spencer.

The cheapest car insurance premiums in Spencer are offered by Progressive at $758 for a six-month policy. However, it can be as expensive as $2671 with companies like Farm Bureau.

Spencer car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$758	$128
Mercury	$915	$154
State Farm	$1182	$199
USAA	$1202	$202
Shelter	$2029	$342
Oklahoma Farm Bureau	$2254	$376
Farmers	$2562	$431
Allstate	$2644	$445
Farm Bureau	$2671	$454

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 Spencer are offered by Oklahoma Farm Bureau at $335. However, it can be as expensive as $2575 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Spencer after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$335	$56
Progressive	$731	$123
State Farm	$792	$133
USAA	$1004	$170
Mercury	$1250	$210
Shelter	$1673	$284
Farm Bureau	$1728	$288
Allstate	$2486	$423
Farmers	$2575	$429

Car Insurance Price Trends in Spencer, Oklahoma

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

The average cost of full coverage in the Spencer rose by $279 in January compared to $255 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 Spencer dipped to $53 in January, compared to $54 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 Spencer?

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

What is the cheapest car insurance in Spencer?

The cheapest car insurance in Spencer is $170 per month for full coverage.

How much is car insurance in Spencer for teenagers?

Car insurance for teenagers costs $253 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 Spencer?

The average cost of car insurance is $1236 for a six-month policy. It will cost around $239 per month to insure your car in Spencer.

Is car insurance expensive in Spencer?

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

Cheapest Car Insurance Quotes in Spencer

Why you can trust Way?

How Much Is Car Insurance in Spencer

Avg. Car Insurance in Spencer

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Spencer

1st place: USAA

2nd place: Progressive

3rd place: Mercury

Spencer Car Insurance Rates by Company

Cheap Car Insurance Companies in Spencer, OK

Way's key takeaways about car insurance in Spencer

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Spencer

Cheapest Liability Coverage in Spencer, OK

Cheapest Full Coverage Car Insurance in Spencer

Cheapest Full Coverage Car Insurance Quotes in Spencer, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Spencer by Rating Factor

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

Car Insurance Premiums by Age in Spencer

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Spencer,OK

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

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 Spencer

Cheapest Car Insurance Companies after an At-Fault Accident in Spencer

Spencer Car Insurance Rates by Violation

Spencer auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Spencer after a DUI

Spencer car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Spencer after Speeding ticket

Car Insurance Price Trends in Spencer, Oklahoma

Average Car Insurance Cost in Spencer by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Spencer, OK

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

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