Cheapest Car Insurance Quotes in Stillwater

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Stillwater Car Insurance

^$ 23

/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 Stillwater

The car insurance rate in Stillwater is $1144 for a six-month policy, which is $35 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $795, making it a popular choice for budget-conscious drivers. Rates in Stillwater 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 Stillwater

$1144

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Stillwater

1st place: Mercury

At $795 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $835 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $927 for six months, making it the third cheapest auto insurance company in Stillwater.

Stillwater Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stillwater, OK is Mercury, offering policies at just $795 for a six-month term. This is followed by USAA, which has an average six-month premium of $835.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1601 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stillwater drivers find the best deals.

Cheap Car Insurance Companies in Stillwater, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$795	$134
USAA	$835	$141
Progressive	$927	$156
State Farm	$968	$163
Shelter	$1054	$178
American Farmers & Ranchers Mutual	$1176	$200
Farm Bureau	$1239	$207
Oklahoma Farm Bureau	$1245	$211
Farmers	$1313	$221
AFR Group	$1435	$243
Allstate	$1601	$270

Key Takeaways

Way's key takeaways about car insurance in Stillwater

The auto insurance costs in Stillwater fall around $795 for six months.
The cheapest auto insurance company in Stillwater is Mercury.
Teen drivers pay the highest rate in Stillwater at $41 per month.

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

Cheapest Minimum Liability Car Insurance in Stillwater

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 Stillwater are given below.

Mercury provides the cheapest minimum car insurance coverage in Stillwater. Their Average 6 Month Premium is $139. Allstate is the most expensive at $559 for the same period.

Cheapest Liability Coverage in Stillwater, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$139	$23
American Farmers & Ranchers Mutual	$155	$26
USAA	$184	$31
AFR Group	$219	$37
State Farm	$231	$39
Progressive	$237	$40
Shelter	$282	$48
Oklahoma Farm Bureau	$317	$52
Farm Bureau	$351	$60
Farmers	$519	$87
Allstate	$559	$94

Cheapest Full Coverage Car Insurance in Stillwater

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 Stillwater is Mercury at $134 per month and $795 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stillwater, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$795	$134
USAA	$835	$141
Progressive	$927	$156
State Farm	$968	$163
Shelter	$1054	$178
American Farmers & Ranchers Mutual	$1176	$200
Farm Bureau	$1239	$207
Oklahoma Farm Bureau	$1245	$211
Farmers	$1313	$221
AFR Group	$1435	$243
Allstate	$1601	$270

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Average Car Insurance in Stillwater 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 Stillwater, OK increasing?

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

Car Insurance Premiums by Age in Stillwater

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	$711
30s	USAA	$551
40s	USAA	$504
50s	USAA	$484
60s	USAA	$495
70s	USAA	$571

Cheapest Car Insurance Rates for Teen Drivers in Stillwater,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Stillwater at $36 per month. At $242 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	$213	$36
Mercury	$219	$37
USAA	$1135	$191
State Farm	$1786	$301
Progressive	$2253	$379
Shelter	$2840	$478
Farm Bureau	$3704	$630
Oklahoma Farm Bureau	$3808	$634
Allstate	$4482	$755
Farmers	$6546	$1102
American Farmers & Ranchers	$242	$41

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 Stillwater.

As young drivers face the highest rates in Stillwater, USAA offers the cheapest auto insurance rates at $711 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 Stillwater, Mercury is the cheapest car insurance provider. At $184 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 Stillwater is State Farm, offering rates of around $3204 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$184	$31
Oklahoma Farm Bureau	$311	$53
Progressive	$864	$146
USAA	$1112	$189
Farm Bureau	$1245	$208
Shelter	$1993	$339
Allstate	$2213	$369
Farmers	$3181	$541
State Farm	$3204	$534

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Car Insurance Rates with An Accident in Stillwater

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

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

The cheapest car insurance companies after an at-fault accident in Stillwater include American Farmers & Ranchers Mutual and Mercury, offering $149 and $282, respectively. Farmers is an expensive provider with an average six-month premium of $2449.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$149	$25
Mercury	$282	$48
AFR Group	$351	$58
State Farm	$547	$92
USAA	$639	$108
Oklahoma Farm Bureau	$829	$140
Progressive	$916	$154
Farm Bureau	$1354	$230
Shelter	$1383	$233
Allstate	$2230	$375
Farmers	$2449	$412

Stillwater Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stillwater OK. For example, the car insurance in Stillwater after a DUI increases to $611 for a six month policy. While the rate increases by $277 for a six-month policy in the case of a speeding ticket.

Stillwater auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1152	$192
One comp claim	$1176	$200
One Med/PIP claim	$1176	$196
Two Med/PIP claims	$1187	$202
Not-at-fault accident	$1193	$199
Two comp claims	$1199	$204
Failure to show documents	$1274	$212
Failure to wear a seat belt	$1313	$223
Child safety restraint	$1319	$220
Driving without lights	$1319	$224
Driving with expired registration	$1342	$224
Cell phone violation	$1360	$231
Driving too slowly	$1360	$227
Speeding in school zone	$1360	$231
Texting while driving	$1360	$227
Failure to yield	$1372	$233
Failure to stop at a red light	$1377	$230
Following too closely	$1383	$235
Illegal turn	$1383	$231
Wrong way/wrong lane	$1394	$237
Improper passing	$1400	$234
In 65 MPH zone	$1423	$242
Speeding 11 - 15 MPH over limit	$1429	$239
Speeding 6 - 10 MPH over limit	$1429	$243
Passing school bus	$1435	$240
Speeding 16 - 20 MPH over limit	$1435	$243
Open container	$1458	$243
Speeding 21 - 25 MPH over limit	$1470	$250
At-fault accident - less than $1000	$1475	$245
Operating a vehicle without permission	$1556	$265
At-fault accident - $1000-$2000	$1568	$261
At-fault accident - greater than $2000	$1568	$267
Reckless driving	$1699	$283
Refusal to submit to a chemical test	$1740	$296
DUI	$1763	$294
Racing	$1815	$308
Driving with a suspended license	$1913	$319
Leaving scene of an accident/hit and run	$1913	$325

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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 Stillwater 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 Stillwater.

The cheapest car insurance premiums in Stillwater are offered by Mercury at $259 for a six-month policy. However, it can be as expensive as $2218 with companies like Farmers.

Stillwater car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$259	$44
Progressive	$657	$111
State Farm	$829	$140
USAA	$962	$162
Shelter	$1568	$264
Oklahoma Farm Bureau	$1901	$317
Farm Bureau	$1954	$332
Allstate	$2086	$351
Farmers	$2218	$373

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 Stillwater are offered by Mercury at $202. However, it can be as expensive as $2656 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Stillwater after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$202	$34
Oklahoma Farm Bureau	$282	$48
State Farm	$490	$82
Progressive	$686	$115
USAA	$749	$125
Shelter	$1176	$200
Farm Bureau	$1239	$207
Allstate	$1694	$288
Farmers	$2656	$442

Car Insurance Price Trends in Stillwater, Oklahoma

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

The average cost of full coverage in the Stillwater rose by $215 in December compared to $211 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 Stillwater rose to $46 in December, compared to $44 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 Stillwater?

The car insurance in Stillwater is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Stillwater?

The cheapest car insurance in Stillwater is $134 per month for full coverage.

How much is car insurance in Stillwater for teenagers?

Car insurance for teenagers costs $213 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 Stillwater?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $193 per month to insure your car in Stillwater.

Is car insurance expensive in Stillwater?

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

Cheapest Car Insurance Quotes in Stillwater

Why you can trust Way?

How Much Is Car Insurance in Stillwater

Avg. Car Insurance in Stillwater

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Stillwater

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Stillwater Car Insurance Rates by Company

Cheap Car Insurance Companies in Stillwater, OK

Way's key takeaways about car insurance in Stillwater

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stillwater

Cheapest Liability Coverage in Stillwater, OK

Cheapest Full Coverage Car Insurance in Stillwater

Cheapest Full Coverage Car Insurance Quotes in Stillwater, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stillwater by Rating Factor

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

Car Insurance Premiums by Age in Stillwater

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Stillwater,OK

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

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 Stillwater

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

Stillwater Car Insurance Rates by Violation

Stillwater auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stillwater after a DUI

Stillwater car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stillwater after Speeding ticket

Car Insurance Price Trends in Stillwater, Oklahoma

Average Car Insurance Cost in Stillwater by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stillwater, OK

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

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