Cheapest Car Insurance Quotes in Twin Oaks

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Twin Oaks Car Insurance

^$ 26

/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 Twin Oaks

The car insurance rate in Twin Oaks is $1211 for a six-month policy, which is $25 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $861, making it a popular choice for budget-conscious drivers. Rates in Twin Oaks 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 Twin Oaks

$1211

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Twin Oaks

1st place: USAA

At $861 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $897 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1002 for six months, making it the third cheapest auto insurance company in Twin Oaks.

Twin Oaks Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Twin Oaks, OK is USAA, offering policies at just $861 for a six-month term. This is followed by Progressive, which has an average six-month premium of $897.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1764 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Twin Oaks drivers find the best deals.

Cheap Car Insurance Companies in Twin Oaks, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$861	$145
Progressive	$897	$151
Mercury	$1002	$169
State Farm	$1048	$176
Shelter	$1170	$197
American Farmers & Ranchers Mutual	$1188	$202
Farmers	$1222	$206
Oklahoma Farm Bureau	$1257	$214
AFR Group	$1449	$242
Farm Bureau	$1473	$251
Allstate	$1764	$297

Key Takeaways

Way's key takeaways about car insurance in Twin Oaks

The auto insurance costs in Twin Oaks fall around $861 for six months.
The cheapest auto insurance company in Twin Oaks is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Twin Oaks at $41 per month.

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Cheapest Minimum Liability Car Insurance in Twin Oaks

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 Twin Oaks are given below.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Twin Oaks. Their Average 6 Month Premium is $157. Allstate is the most expensive at $570 for the same period.

Cheapest Liability Coverage in Twin Oaks, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$157	$26
Mercury	$186	$31
USAA	$192	$32
AFR Group	$221	$37
Progressive	$227	$38
State Farm	$250	$42
Shelter	$297	$50
Oklahoma Farm Bureau	$320	$53
Farm Bureau	$361	$62
Farmers	$425	$72
Allstate	$570	$96

Cheapest Full Coverage Car Insurance in Twin Oaks

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 Twin Oaks is USAA at $145 per month and $861 for six months.

Cheapest Full Coverage Car Insurance Quotes in Twin Oaks, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$861	$145
Progressive	$897	$151
Mercury	$1002	$169
State Farm	$1048	$176
Shelter	$1170	$197
American Farmers & Ranchers Mutual	$1188	$202
Farmers	$1222	$206
Oklahoma Farm Bureau	$1257	$214
AFR Group	$1449	$242
Farm Bureau	$1473	$251
Allstate	$1764	$297

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Average Car Insurance in Twin Oaks 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 Twin Oaks, OK increasing?

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

Car Insurance Premiums by Age in Twin Oaks

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	$700
30s	USAA	$542
40s	USAA	$497
50s	USAA	$476
60s	USAA	$487
70s	USAA	$563

Cheapest Car Insurance Rates for Teen Drivers in Twin Oaks,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Twin Oaks at $36 per month. At $244 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	$216	$36
USAA	$1205	$203
Progressive	$2101	$354
State Farm	$2125	$358
Mercury	$2754	$464
Shelter	$3132	$527
Oklahoma Farm Bureau	$3847	$655
Farm Bureau	$4308	$718
Allstate	$4768	$803
Farmers	$5548	$934
American Farmers & Ranchers	$244	$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 Twin Oaks.

As young drivers face the highest rates in Twin Oaks, USAA offers the cheapest auto insurance rates at $700 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 Twin Oaks, Oklahoma Farm Bureau is the cheapest car insurance provider. At $315 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 Twin Oaks is State Farm, offering rates of around $5746 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$315	$52
Progressive	$739	$124
Mercury	$1257	$212
USAA	$1257	$214
Farm Bureau	$1479	$246
Shelter	$2427	$413
Farmers	$2649	$441
Allstate	$2724	$464
State Farm	$5746	$957

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Car Insurance Rates with An Accident in Twin Oaks

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

Cheapest Car Insurance Companies after an At-Fault Accident in Twin Oaks

The cheapest car insurance companies after an at-fault accident in Twin Oaks include American Farmers & Ranchers Mutual and AFR Group, offering $151 and $355, respectively. Allstate is an expensive provider with an average six-month premium of $2433.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$151	$25
AFR Group	$355	$61
State Farm	$623	$105
USAA	$675	$114
Mercury	$815	$137
Oklahoma Farm Bureau	$838	$141
Progressive	$873	$147
Shelter	$1525	$257
Farm Bureau	$1601	$267
Farmers	$2136	$360
Allstate	$2433	$410

Twin Oaks Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Twin Oaks OK. For example, the car insurance in Twin Oaks after a DUI increases to $618 for a six month policy. While the rate increases by $280 for a six-month policy in the case of a speeding ticket.

Twin Oaks auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1164	$194
One comp claim	$1188	$202
One Med/PIP claim	$1188	$198
Two Med/PIP claims	$1200	$204
Not-at-fault accident	$1205	$201
Two comp claims	$1211	$206
Failure to show documents	$1287	$215
Failure to wear a seat belt	$1327	$225
Child safety restraint	$1333	$222
Driving without lights	$1333	$226
Driving with expired registration	$1356	$226
Cell phone violation	$1374	$233
Driving too slowly	$1374	$229
Speeding in school zone	$1374	$233
Texting while driving	$1374	$229
Failure to yield	$1386	$235
Failure to stop at a red light	$1392	$232
Following too closely	$1397	$237
Illegal turn	$1397	$233
Wrong way/wrong lane	$1408	$239
Improper passing	$1414	$236
In 65 MPH zone	$1438	$244
Speeding 11 - 15 MPH over limit	$1444	$241
Speeding 6 - 10 MPH over limit	$1444	$245
Passing school bus	$1449	$242
Speeding 16 - 20 MPH over limit	$1449	$246
Open container	$1473	$245
Speeding 21 - 25 MPH over limit	$1485	$253
At-fault accident - less than $1000	$1491	$248
Operating a vehicle without permission	$1572	$268
At-fault accident - $1000-$2000	$1584	$264
At-fault accident - greater than $2000	$1584	$270
Reckless driving	$1717	$286
Refusal to submit to a chemical test	$1758	$299
DUI	$1782	$297
Racing	$1834	$312
Driving with a suspended license	$1933	$322
Leaving scene of an accident/hit and run	$1933	$328

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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 Twin Oaks 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 Twin Oaks.

The cheapest car insurance premiums in Twin Oaks are offered by Progressive at $646 for a six-month policy. However, it can be as expensive as $2277 with companies like Farm Bureau.

Twin Oaks car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$646	$109
Mercury	$780	$131
State Farm	$1007	$170
USAA	$1024	$172
Shelter	$1729	$291
Oklahoma Farm Bureau	$1921	$320
Farmers	$2183	$368
Allstate	$2253	$379
Farm Bureau	$2277	$387

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 Twin Oaks are offered by Oklahoma Farm Bureau at $285. However, it can be as expensive as $2194 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Twin Oaks after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$285	$48
Progressive	$623	$105
State Farm	$675	$114
USAA	$856	$145
Mercury	$1065	$179
Shelter	$1426	$242
Farm Bureau	$1473	$245
Allstate	$2119	$361
Farmers	$2194	$366

Car Insurance Price Trends in Twin Oaks, Oklahoma

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

The average cost of full coverage in the Twin Oaks rose by $238 in January compared to $218 of December. In other words, there has been an increase by $20 when you compare January and December.

The average cost of liability insurance in the Twin Oaks dipped to $45 in January, compared to $46 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 Twin Oaks?

The car insurance in Twin Oaks is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Twin Oaks?

The cheapest car insurance in Twin Oaks is $145 per month for full coverage.

How much is car insurance in Twin Oaks for teenagers?

Car insurance for teenagers costs $216 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 Twin Oaks?

The average cost of car insurance is $1236 for a six-month policy. It will cost around $204 per month to insure your car in Twin Oaks.

Is car insurance expensive in Twin Oaks?

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

Cheapest Car Insurance Quotes in Twin Oaks

Why you can trust Way?

How Much Is Car Insurance in Twin Oaks

Avg. Car Insurance in Twin Oaks

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Twin Oaks

1st place: USAA

2nd place: Progressive

3rd place: Mercury

Twin Oaks Car Insurance Rates by Company

Cheap Car Insurance Companies in Twin Oaks, OK

Way's key takeaways about car insurance in Twin Oaks

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Twin Oaks

Cheapest Liability Coverage in Twin Oaks, OK

Cheapest Full Coverage Car Insurance in Twin Oaks

Cheapest Full Coverage Car Insurance Quotes in Twin Oaks, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Twin Oaks by Rating Factor

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

Car Insurance Premiums by Age in Twin Oaks

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Twin Oaks,OK

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

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 Twin Oaks

Cheapest Car Insurance Companies after an At-Fault Accident in Twin Oaks

Twin Oaks Car Insurance Rates by Violation

Twin Oaks auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Twin Oaks after a DUI

Twin Oaks car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Twin Oaks after Speeding ticket

Car Insurance Price Trends in Twin Oaks, Oklahoma

Average Car Insurance Cost in Twin Oaks by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Twin Oaks, OK

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

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