Cheapest Car Insurance Quotes in The Village

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The Village Car Insurance

^$ 33

/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 The Village

The car insurance rate in The Village is $1496 for a six-month policy, which is $260 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1064, making it a popular choice for budget-conscious drivers. Rates in The Village 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 The Village

$1496

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in The Village

1st place: USAA

At $1064 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $1107 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1237 for six months, making it the third cheapest auto insurance company in The Village.

The Village Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in The Village, OK is USAA, offering policies at just $1064 for a six-month term. This is followed by Progressive, which has an average six-month premium of $1107.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2178 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help The Village drivers find the best deals.

Cheap Car Insurance Companies in The Village, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1064	$179
Progressive	$1107	$186
Mercury	$1237	$208
State Farm	$1293	$218
Shelter	$1445	$243
American Farmers & Ranchers Mutual	$1467	$249
Farmers	$1509	$254
Oklahoma Farm Bureau	$1552	$264
AFR Group	$1790	$299
Farm Bureau	$1819	$310
Allstate	$2178	$367

Key Takeaways

Way's key takeaways about car insurance in The Village

The auto insurance costs in The Village fall around $1064 for six months.
The cheapest auto insurance company in The Village is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in The Village at $51 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 The Village

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 The Village are given below.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in The Village. Their Average 6 Month Premium is $194. Allstate is the most expensive at $704 for the same period.

Cheapest Liability Coverage in The Village, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$194	$33
Mercury	$230	$39
USAA	$237	$40
AFR Group	$273	$46
Progressive	$281	$47
State Farm	$309	$52
Shelter	$367	$62
Oklahoma Farm Bureau	$396	$65
Farm Bureau	$445	$76
Farmers	$525	$88
Allstate	$704	$119

Cheapest Full Coverage Car Insurance in The Village

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 The Village is USAA at $179 per month and $1064 for six months.

Cheapest Full Coverage Car Insurance Quotes in The Village, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1064	$179
Progressive	$1107	$186
Mercury	$1237	$208
State Farm	$1293	$218
Shelter	$1445	$243
American Farmers & Ranchers Mutual	$1467	$249
Farmers	$1509	$254
Oklahoma Farm Bureau	$1552	$264
AFR Group	$1790	$299
Farm Bureau	$1819	$310
Allstate	$2178	$367

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Average Car Insurance in The Village 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 The Village, OK increasing?

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

Car Insurance Premiums by Age in The Village

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	$864
30s	USAA	$669
40s	USAA	$613
50s	USAA	$588
60s	USAA	$601
70s	USAA	$695

Cheapest Car Insurance Rates for Teen Drivers in The Village,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the The Village at $45 per month. At $301 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	$266	$45
USAA	$1488	$250
Progressive	$2594	$437
State Farm	$2623	$442
Mercury	$3400	$572
Shelter	$3867	$651
Oklahoma Farm Bureau	$4750	$808
Farm Bureau	$5319	$887
Allstate	$5887	$991
Farmers	$6850	$1153
American Farmers & Ranchers	$301	$51

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 The Village.

As young drivers face the highest rates in The Village, USAA offers the cheapest auto insurance rates at $864 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 The Village, Oklahoma Farm Bureau is the cheapest car insurance provider. At $388 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 The Village is State Farm, offering rates of around $7094 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$388	$64
Progressive	$912	$154
Mercury	$1552	$261
USAA	$1552	$264
Farm Bureau	$1826	$304
Shelter	$2997	$509
Farmers	$3271	$545
Allstate	$3364	$572
State Farm	$7094	$1182

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Save up to $971/yr on car insurance rates in The Village.

Car Insurance Rates with An Accident in The Village

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

Cheapest Car Insurance Companies after an At-Fault Accident in The Village

The cheapest car insurance companies after an at-fault accident in The Village include American Farmers & Ranchers Mutual and AFR Group, offering $186 and $438, respectively. Allstate is an expensive provider with an average six-month premium of $3004.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$186	$31
AFR Group	$438	$75
State Farm	$770	$129
USAA	$834	$140
Mercury	$1007	$169
Oklahoma Farm Bureau	$1035	$174
Progressive	$1078	$182
Shelter	$1883	$317
Farm Bureau	$1977	$329
Farmers	$2638	$444
Allstate	$3004	$506

The Village Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in The Village OK. For example, the car insurance in The Village after a DUI increases to $763 for a six month policy. While the rate increases by $345 for a six-month policy in the case of a speeding ticket.

The Village auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1437	$240
One comp claim	$1467	$249
One Med/PIP claim	$1467	$244
Two Med/PIP claims	$1481	$252
Not-at-fault accident	$1488	$248
Two comp claims	$1496	$254
Failure to show documents	$1589	$265
Failure to wear a seat belt	$1638	$278
Child safety restraint	$1646	$275
Driving without lights	$1646	$280
Driving with expired registration	$1675	$280
Cell phone violation	$1696	$288
Driving too slowly	$1696	$283
Speeding in school zone	$1696	$288
Texting while driving	$1696	$283
Failure to yield	$1711	$290
Failure to stop at a red light	$1718	$287
Following too closely	$1725	$293
Illegal turn	$1725	$288
Wrong way/wrong lane	$1739	$295
Improper passing	$1746	$292
In 65 MPH zone	$1775	$301
Speeding 11 - 15 MPH over limit	$1782	$298
Speeding 6 - 10 MPH over limit	$1782	$303
Passing school bus	$1790	$299
Speeding 16 - 20 MPH over limit	$1790	$304
Open container	$1819	$303
Speeding 21 - 25 MPH over limit	$1833	$312
At-fault accident - less than $1000	$1840	$306
Operating a vehicle without permission	$1941	$330
At-fault accident - $1000-$2000	$1955	$325
At-fault accident - greater than $2000	$1955	$333
Reckless driving	$2120	$353
Refusal to submit to a chemical test	$2171	$369
DUI	$2200	$367
Racing	$2264	$385
Driving with a suspended license	$2386	$398
Leaving scene of an accident/hit and run	$2386	$405

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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 The Village 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 The Village.

The cheapest car insurance premiums in The Village are offered by Progressive at $797 for a six-month policy. However, it can be as expensive as $2811 with companies like Farm Bureau.

The Village car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$797	$134
Mercury	$963	$162
State Farm	$1244	$209
USAA	$1264	$213
Shelter	$2134	$359
Oklahoma Farm Bureau	$2372	$396
Farmers	$2696	$454
Allstate	$2782	$468
Farm Bureau	$2811	$478

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 The Village are offered by Oklahoma Farm Bureau at $352. However, it can be as expensive as $2709 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in The Village after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$352	$59
Progressive	$770	$129
State Farm	$834	$140
USAA	$1056	$179
Mercury	$1315	$221
Shelter	$1761	$299
Farm Bureau	$1819	$303
Allstate	$2616	$445
Farmers	$2709	$451

Car Insurance Price Trends in The Village, Oklahoma

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

The average cost of full coverage in the The Village rose by $294 in January compared to $269 of December. In other words, there has been an increase by $25 when you compare January and December.

The average cost of liability insurance in the The Village dipped to $56 in January, compared to $57 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 The Village?

The car insurance in The Village is $33 per month, which is lower than the national average.

What is the cheapest car insurance in The Village?

The cheapest car insurance in The Village is $179 per month for full coverage.

How much is car insurance in The Village for teenagers?

Car insurance for teenagers costs $266 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 The Village?

The average cost of car insurance is $1236 for a six-month policy. It will cost around $252 per month to insure your car in The Village.

Is car insurance expensive in The Village?

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

Cheapest Car Insurance Quotes in The Village

Why you can trust Way?

How Much Is Car Insurance in The Village

Avg. Car Insurance in The Village

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in The Village

1st place: USAA

2nd place: Progressive

3rd place: Mercury

The Village Car Insurance Rates by Company

Cheap Car Insurance Companies in The Village, OK

Way's key takeaways about car insurance in The Village

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in The Village

Cheapest Liability Coverage in The Village, OK

Cheapest Full Coverage Car Insurance in The Village

Cheapest Full Coverage Car Insurance Quotes in The Village, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in The Village by Rating Factor

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

Car Insurance Premiums by Age in The Village

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in The Village,OK

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

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 The Village

Cheapest Car Insurance Companies after an At-Fault Accident in The Village

The Village Car Insurance Rates by Violation

The Village auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in The Village after a DUI

The Village car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in The Village after Speeding ticket

Car Insurance Price Trends in The Village, Oklahoma

Average Car Insurance Cost in The Village by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near The Village, OK

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

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