Cheapest Car Insurance Quotes in Wardville

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Wardville Car Insurance

^$ 28

/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 Wardville

The car insurance rate in Wardville is $1298 for a six-month policy, which is $62 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $923, making it a popular choice for budget-conscious drivers. Rates in Wardville 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 Wardville

$1298

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Wardville

1st place: USAA

At $923 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $961 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1073 for six months, making it the third cheapest auto insurance company in Wardville.

Wardville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wardville, OK is USAA, offering policies at just $923 for a six-month term. This is followed by Progressive, which has an average six-month premium of $961.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1890 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wardville drivers find the best deals.

Cheap Car Insurance Companies in Wardville, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$923	$155
Progressive	$961	$162
Mercury	$1073	$181
State Farm	$1122	$189
Shelter	$1254	$211
American Farmers & Ranchers Mutual	$1273	$216
Farmers	$1309	$221
Oklahoma Farm Bureau	$1347	$229
AFR Group	$1553	$259
Farm Bureau	$1578	$269
Allstate	$1890	$318

Key Takeaways

Way's key takeaways about car insurance in Wardville

The auto insurance costs in Wardville fall around $923 for six months.
The cheapest auto insurance company in Wardville is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Wardville at $44 per month.

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

Cheapest Minimum Liability Car Insurance in Wardville

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 Wardville are given below.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Wardville. Their Average 6 Month Premium is $168. Allstate is the most expensive at $611 for the same period.

Cheapest Liability Coverage in Wardville, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$168	$28
Mercury	$200	$34
USAA	$206	$35
AFR Group	$237	$40
Progressive	$244	$41
State Farm	$268	$45
Shelter	$318	$54
Oklahoma Farm Bureau	$343	$57
Farm Bureau	$386	$66
Farmers	$456	$77
Allstate	$611	$103

Cheapest Full Coverage Car Insurance in Wardville

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 Wardville is USAA at $155 per month and $923 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wardville, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$923	$155
Progressive	$961	$162
Mercury	$1073	$181
State Farm	$1122	$189
Shelter	$1254	$211
American Farmers & Ranchers Mutual	$1273	$216
Farmers	$1309	$221
Oklahoma Farm Bureau	$1347	$229
AFR Group	$1553	$259
Farm Bureau	$1578	$269
Allstate	$1890	$318

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Average Car Insurance in Wardville 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 Wardville, OK increasing?

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

Car Insurance Premiums by Age in Wardville

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	$750
30s	USAA	$581
40s	USAA	$532
50s	USAA	$510
60s	USAA	$522
70s	USAA	$603

Cheapest Car Insurance Rates for Teen Drivers in Wardville,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Wardville at $39 per month. At $261 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	$231	$39
USAA	$1292	$217
Progressive	$2251	$379
State Farm	$2276	$383
Mercury	$2951	$497
Shelter	$3356	$565
Oklahoma Farm Bureau	$4122	$701
Farm Bureau	$4616	$770
Allstate	$5108	$860
Farmers	$5944	$1001
American Farmers & Ranchers	$261	$44

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 Wardville.

As young drivers face the highest rates in Wardville, USAA offers the cheapest auto insurance rates at $750 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 Wardville, Oklahoma Farm Bureau is the cheapest car insurance provider. At $337 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 Wardville is State Farm, offering rates of around $6156 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$337	$56
Progressive	$792	$133
Mercury	$1347	$227
USAA	$1347	$229
Farm Bureau	$1584	$264
Shelter	$2601	$442
Farmers	$2838	$473
Allstate	$2919	$497
State Farm	$6156	$1026

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Car Insurance Rates with An Accident in Wardville

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

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

The cheapest car insurance companies after an at-fault accident in Wardville include American Farmers & Ranchers Mutual and AFR Group, offering $162 and $380, respectively. Allstate is an expensive provider with an average six-month premium of $2607.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$162	$27
AFR Group	$380	$65
State Farm	$668	$112
USAA	$723	$122
Mercury	$874	$147
Oklahoma Farm Bureau	$898	$151
Progressive	$936	$158
Shelter	$1634	$275
Farm Bureau	$1716	$286
Farmers	$2289	$385
Allstate	$2607	$439

Wardville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wardville OK. For example, the car insurance in Wardville after a DUI increases to $662 for a six month policy. While the rate increases by $300 for a six-month policy in the case of a speeding ticket.

Wardville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1247	$208
One comp claim	$1273	$216
One Med/PIP claim	$1273	$212
Two Med/PIP claims	$1285	$218
Not-at-fault accident	$1292	$215
Two comp claims	$1298	$221
Failure to show documents	$1379	$230
Failure to wear a seat belt	$1422	$242
Child safety restraint	$1428	$238
Driving without lights	$1428	$243
Driving with expired registration	$1453	$243
Cell phone violation	$1472	$250
Driving too slowly	$1472	$246
Speeding in school zone	$1472	$250
Texting while driving	$1472	$246
Failure to yield	$1485	$252
Failure to stop at a red light	$1491	$249
Following too closely	$1497	$254
Illegal turn	$1497	$250
Wrong way/wrong lane	$1509	$256
Improper passing	$1515	$253
In 65 MPH zone	$1540	$261
Speeding 11 - 15 MPH over limit	$1547	$258
Speeding 6 - 10 MPH over limit	$1547	$263
Passing school bus	$1553	$259
Speeding 16 - 20 MPH over limit	$1553	$264
Open container	$1578	$263
Speeding 21 - 25 MPH over limit	$1591	$271
At-fault accident - less than $1000	$1597	$266
Operating a vehicle without permission	$1684	$287
At-fault accident - $1000-$2000	$1697	$282
At-fault accident - greater than $2000	$1697	$289
Reckless driving	$1840	$307
Refusal to submit to a chemical test	$1884	$320
DUI	$1909	$318
Racing	$1965	$334
Driving with a suspended license	$2071	$345
Leaving scene of an accident/hit and run	$2071	$352

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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 Wardville 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 Wardville.

The cheapest car insurance premiums in Wardville are offered by Progressive at $692 for a six-month policy. However, it can be as expensive as $2439 with companies like Farm Bureau.

Wardville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$692	$117
Mercury	$836	$141
State Farm	$1079	$182
USAA	$1097	$185
Shelter	$1852	$312
Oklahoma Farm Bureau	$2058	$343
Farmers	$2339	$394
Allstate	$2414	$406
Farm Bureau	$2439	$415

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 Wardville are offered by Oklahoma Farm Bureau at $306. However, it can be as expensive as $2351 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Wardville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$306	$51
Progressive	$668	$112
State Farm	$723	$122
USAA	$917	$155
Mercury	$1141	$192
Shelter	$1528	$259
Farm Bureau	$1578	$263
Allstate	$2270	$386
Farmers	$2351	$392

Car Insurance Price Trends in Wardville, Oklahoma

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

The average cost of full coverage in the Wardville rose by $255 in January compared to $233 of December. In other words, there has been an increase by $22 when you compare January and December.

The average cost of liability insurance in the Wardville dipped to $48 in January, compared to $49 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 Wardville?

The car insurance in Wardville is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Wardville?

The cheapest car insurance in Wardville is $155 per month for full coverage.

How much is car insurance in Wardville for teenagers?

Car insurance for teenagers costs $231 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 Wardville?

The average cost of car insurance is $1236 for a six-month policy. It will cost around $218 per month to insure your car in Wardville.

Is car insurance expensive in Wardville?

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

Cheapest Car Insurance Quotes in Wardville

Why you can trust Way?

How Much Is Car Insurance in Wardville

Avg. Car Insurance in Wardville

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Wardville

1st place: USAA

2nd place: Progressive

3rd place: Mercury

Wardville Car Insurance Rates by Company

Cheap Car Insurance Companies in Wardville, OK

Way's key takeaways about car insurance in Wardville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wardville

Cheapest Liability Coverage in Wardville, OK

Cheapest Full Coverage Car Insurance in Wardville

Cheapest Full Coverage Car Insurance Quotes in Wardville, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wardville by Rating Factor

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

Car Insurance Premiums by Age in Wardville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wardville,OK

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

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 Wardville

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

Wardville Car Insurance Rates by Violation

Wardville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wardville after a DUI

Wardville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wardville after Speeding ticket

Car Insurance Price Trends in Wardville, Oklahoma

Average Car Insurance Cost in Wardville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wardville, OK

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

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