Cheapest Car Insurance Quotes in Valley Brook

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Valley Brook Car Insurance

^$ 32

/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 Valley Brook

The car insurance rate in Valley Brook is $1446 for a six-month policy, which is $210 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1028, making it a popular choice for budget-conscious drivers. Rates in Valley Brook 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 Valley Brook

$1446

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Valley Brook

1st place: USAA

At $1028 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $1071 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1196 for six months, making it the third cheapest auto insurance company in Valley Brook.

Valley Brook Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Valley Brook, OK is USAA, offering policies at just $1028 for a six-month term. This is followed by Progressive, which has an average six-month premium of $1071.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2106 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Valley Brook drivers find the best deals.

Cheap Car Insurance Companies in Valley Brook, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1028	$173
Progressive	$1071	$180
Mercury	$1196	$201
State Farm	$1251	$211
Shelter	$1397	$235
American Farmers & Ranchers Mutual	$1418	$241
Farmers	$1459	$246
Oklahoma Farm Bureau	$1501	$255
AFR Group	$1730	$289
Farm Bureau	$1759	$300
Allstate	$2106	$355

Key Takeaways

Way's key takeaways about car insurance in Valley Brook

The auto insurance costs in Valley Brook fall around $1028 for six months.
The cheapest auto insurance company in Valley Brook is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Valley Brook at $49 per month.

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

Cheapest Minimum Liability Car Insurance in Valley Brook

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 Valley Brook are given below.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Valley Brook. Their Average 6 Month Premium is $187. Allstate is the most expensive at $681 for the same period.

Cheapest Liability Coverage in Valley Brook, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$187	$32
Mercury	$222	$37
USAA	$229	$39
AFR Group	$264	$44
Progressive	$271	$46
State Farm	$298	$50
Shelter	$355	$60
Oklahoma Farm Bureau	$383	$63
Farm Bureau	$431	$74
Farmers	$508	$85
Allstate	$681	$115

Cheapest Full Coverage Car Insurance in Valley Brook

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 Valley Brook is USAA at $173 per month and $1028 for six months.

Cheapest Full Coverage Car Insurance Quotes in Valley Brook, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1028	$173
Progressive	$1071	$180
Mercury	$1196	$201
State Farm	$1251	$211
Shelter	$1397	$235
American Farmers & Ranchers Mutual	$1418	$241
Farmers	$1459	$246
Oklahoma Farm Bureau	$1501	$255
AFR Group	$1730	$289
Farm Bureau	$1759	$300
Allstate	$2106	$355

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Average Car Insurance in Valley Brook 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 Valley Brook, OK increasing?

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

Car Insurance Premiums by Age in Valley Brook

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	$835
30s	USAA	$647
40s	USAA	$593
50s	USAA	$569
60s	USAA	$581
70s	USAA	$672

Cheapest Car Insurance Rates for Teen Drivers in Valley Brook,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Valley Brook at $43 per month. At $291 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	$257	$43
USAA	$1439	$242
Progressive	$2508	$422
State Farm	$2537	$427
Mercury	$3288	$553
Shelter	$3739	$629
Oklahoma Farm Bureau	$4593	$782
Farm Bureau	$5143	$858
Allstate	$5692	$958
Farmers	$6623	$1115
American Farmers & Ranchers	$291	$49

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 Valley Brook.

As young drivers face the highest rates in Valley Brook, USAA offers the cheapest auto insurance rates at $835 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 Valley Brook, Oklahoma Farm Bureau is the cheapest car insurance provider. At $376 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 Valley Brook is State Farm, offering rates of around $6860 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$376	$62
Progressive	$882	$149
Mercury	$1501	$253
USAA	$1501	$255
Farm Bureau	$1766	$294
Shelter	$2898	$493
Farmers	$3163	$527
Allstate	$3253	$553
State Farm	$6860	$1143

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Save up to $971/yr on car insurance rates in Valley Brook.

Car Insurance Rates with An Accident in Valley Brook

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

Cheapest Car Insurance Companies after an At-Fault Accident in Valley Brook

The cheapest car insurance companies after an at-fault accident in Valley Brook include American Farmers & Ranchers Mutual and AFR Group, offering $180 and $424, respectively. Allstate is an expensive provider with an average six-month premium of $2905.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$180	$30
AFR Group	$424	$73
State Farm	$744	$125
USAA	$806	$136
Mercury	$973	$164
Oklahoma Farm Bureau	$1000	$168
Progressive	$1042	$176
Shelter	$1821	$307
Farm Bureau	$1912	$318
Farmers	$2551	$429
Allstate	$2905	$489

Valley Brook Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Valley Brook OK. For example, the car insurance in Valley Brook after a DUI increases to $737 for a six month policy. While the rate increases by $333 for a six-month policy in the case of a speeding ticket.

Valley Brook auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1390	$232
One comp claim	$1418	$241
One Med/PIP claim	$1418	$236
Two Med/PIP claims	$1432	$243
Not-at-fault accident	$1439	$240
Two comp claims	$1446	$246
Failure to show documents	$1536	$256
Failure to wear a seat belt	$1584	$269
Child safety restraint	$1591	$266
Driving without lights	$1591	$270
Driving with expired registration	$1619	$270
Cell phone violation	$1640	$278
Driving too slowly	$1640	$274
Speeding in school zone	$1640	$278
Texting while driving	$1640	$274
Failure to yield	$1654	$281
Failure to stop at a red light	$1661	$277
Following too closely	$1668	$283
Illegal turn	$1668	$278
Wrong way/wrong lane	$1681	$285
Improper passing	$1688	$282
In 65 MPH zone	$1716	$291
Speeding 11 - 15 MPH over limit	$1723	$288
Speeding 6 - 10 MPH over limit	$1723	$293
Passing school bus	$1730	$289
Speeding 16 - 20 MPH over limit	$1730	$294
Open container	$1759	$293
Speeding 21 - 25 MPH over limit	$1773	$302
At-fault accident - less than $1000	$1780	$296
Operating a vehicle without permission	$1877	$319
At-fault accident - $1000-$2000	$1891	$315
At-fault accident - greater than $2000	$1891	$322
Reckless driving	$2050	$342
Refusal to submit to a chemical test	$2099	$357
DUI	$2127	$355
Racing	$2189	$372
Driving with a suspended license	$2307	$385
Leaving scene of an accident/hit and run	$2307	$392

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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 Valley Brook 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 Valley Brook.

The cheapest car insurance premiums in Valley Brook are offered by Progressive at $771 for a six-month policy. However, it can be as expensive as $2718 with companies like Farm Bureau.

Valley Brook car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$771	$130
Mercury	$931	$157
State Farm	$1203	$202
USAA	$1223	$206
Shelter	$2064	$347
Oklahoma Farm Bureau	$2293	$383
Farmers	$2607	$439
Allstate	$2690	$453
Farm Bureau	$2718	$462

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 Valley Brook are offered by Oklahoma Farm Bureau at $340. However, it can be as expensive as $2620 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Valley Brook after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$340	$57
Progressive	$744	$125
State Farm	$806	$136
USAA	$1021	$173
Mercury	$1272	$214
Shelter	$1702	$289
Farm Bureau	$1759	$293
Allstate	$2530	$431
Farmers	$2620	$436

Car Insurance Price Trends in Valley Brook, Oklahoma

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

The average cost of full coverage in the Valley Brook rose by $284 in January compared to $260 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 Valley Brook dipped to $54 in January, compared to $55 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 Valley Brook?

The car insurance in Valley Brook is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Valley Brook?

The cheapest car insurance in Valley Brook is $173 per month for full coverage.

How much is car insurance in Valley Brook for teenagers?

Car insurance for teenagers costs $257 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 Valley Brook?

The average cost of car insurance is $1236 for a six-month policy. It will cost around $243 per month to insure your car in Valley Brook.

Is car insurance expensive in Valley Brook?

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

Cheapest Car Insurance Quotes in Valley Brook

Why you can trust Way?

How Much Is Car Insurance in Valley Brook

Avg. Car Insurance in Valley Brook

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Valley Brook

1st place: USAA

2nd place: Progressive

3rd place: Mercury

Valley Brook Car Insurance Rates by Company

Cheap Car Insurance Companies in Valley Brook, OK

Way's key takeaways about car insurance in Valley Brook

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Valley Brook

Cheapest Liability Coverage in Valley Brook, OK

Cheapest Full Coverage Car Insurance in Valley Brook

Cheapest Full Coverage Car Insurance Quotes in Valley Brook, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Valley Brook by Rating Factor

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

Car Insurance Premiums by Age in Valley Brook

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Valley Brook,OK

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

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 Valley Brook

Cheapest Car Insurance Companies after an At-Fault Accident in Valley Brook

Valley Brook Car Insurance Rates by Violation

Valley Brook auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Valley Brook after a DUI

Valley Brook car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Valley Brook after Speeding ticket

Car Insurance Price Trends in Valley Brook, Oklahoma

Average Car Insurance Cost in Valley Brook by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Valley Brook, OK

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

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