Cheapest Car Insurance Quotes in Warr Acres

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Warr Acres 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 Warr Acres

The car insurance rate in Warr Acres is $1368 for a six-month policy, which is $189 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $951, making it a popular choice for budget-conscious drivers. Rates in Warr Acres 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 Warr Acres

$1368

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Warr Acres

1st place: Mercury

At $951 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $999 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1109 for six months, making it the third cheapest auto insurance company in Warr Acres.

Warr Acres Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Warr Acres, OK is Mercury, offering policies at just $951 for a six-month term. This is followed by USAA, which has an average six-month premium of $999.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1915 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Warr Acres drivers find the best deals.

Cheap Car Insurance Companies in Warr Acres, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$951	$160
USAA	$999	$168
Progressive	$1109	$187
State Farm	$1158	$195
Shelter	$1261	$212
American Farmers & Ranchers Mutual	$1406	$239
Farm Bureau	$1481	$247
Oklahoma Farm Bureau	$1488	$253
Farmers	$1571	$264
AFR Group	$1716	$291
Allstate	$1915	$322

Key Takeaways

Way's key takeaways about car insurance in Warr Acres

The auto insurance costs in Warr Acres fall around $951 for six months.
The cheapest auto insurance company in Warr Acres is Mercury.
Teen drivers pay the highest rate in Warr Acres at $49 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 Warr Acres

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 Warr Acres are given below.

Mercury provides the cheapest minimum car insurance coverage in Warr Acres. Their Average 6 Month Premium is $166. Allstate is the most expensive at $668 for the same period.

Cheapest Liability Coverage in Warr Acres, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$166	$28
American Farmers & Ranchers Mutual	$186	$31
USAA	$220	$37
AFR Group	$262	$44
State Farm	$276	$46
Progressive	$283	$48
Shelter	$338	$57
Oklahoma Farm Bureau	$379	$63
Farm Bureau	$420	$72
Farmers	$621	$104
Allstate	$668	$113

Cheapest Full Coverage Car Insurance in Warr Acres

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 Warr Acres is Mercury at $160 per month and $951 for six months.

Cheapest Full Coverage Car Insurance Quotes in Warr Acres, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$951	$160
USAA	$999	$168
Progressive	$1109	$187
State Farm	$1158	$195
Shelter	$1261	$212
American Farmers & Ranchers Mutual	$1406	$239
Farm Bureau	$1481	$247
Oklahoma Farm Bureau	$1488	$253
Farmers	$1571	$264
AFR Group	$1716	$291
Allstate	$1915	$322

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Average Car Insurance in Warr Acres 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 Warr Acres, OK increasing?

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

Car Insurance Premiums by Age in Warr Acres

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	$850
30s	USAA	$659
40s	USAA	$603
50s	USAA	$579
60s	USAA	$592
70s	USAA	$683

Cheapest Car Insurance Rates for Teen Drivers in Warr Acres,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Warr Acres at $43 per month. At $289 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	$255	$43
Mercury	$262	$44
USAA	$1357	$229
State Farm	$2136	$360
Progressive	$2695	$454
Shelter	$3396	$572
Farm Bureau	$4430	$753
Oklahoma Farm Bureau	$4554	$759
Allstate	$5360	$902
Farmers	$7828	$1318
American Farmers & Ranchers	$289	$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 Warr Acres.

As young drivers face the highest rates in Warr Acres, USAA offers the cheapest auto insurance rates at $850 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 Warr Acres, Mercury is the cheapest car insurance provider. At $220 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 Warr Acres is State Farm, offering rates of around $3831 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$220	$37
Oklahoma Farm Bureau	$372	$64
Progressive	$1034	$174
USAA	$1329	$226
Farm Bureau	$1488	$248
Shelter	$2384	$405
Allstate	$2646	$441
Farmers	$3804	$647
State Farm	$3831	$638

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Save up to $971/yr on car insurance rates in Warr Acres.

Car Insurance Rates with An Accident in Warr Acres

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

Cheapest Car Insurance Companies after an At-Fault Accident in Warr Acres

The cheapest car insurance companies after an at-fault accident in Warr Acres include American Farmers & Ranchers Mutual and Mercury, offering $179 and $338, respectively. Farmers is an expensive provider with an average six-month premium of $2929.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$179	$30
Mercury	$338	$57
AFR Group	$420	$70
State Farm	$654	$110
USAA	$764	$129
Oklahoma Farm Bureau	$992	$167
Progressive	$1095	$184
Farm Bureau	$1619	$275
Shelter	$1654	$278
Allstate	$2667	$449
Farmers	$2929	$493

Warr Acres Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Warr Acres OK. For example, the car insurance in Warr Acres after a DUI increases to $731 for a six month policy. While the rate increases by $331 for a six-month policy in the case of a speeding ticket.

Warr Acres auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1378	$230
One comp claim	$1406	$239
One Med/PIP claim	$1406	$234
Two Med/PIP claims	$1420	$241
Not-at-fault accident	$1427	$238
Two comp claims	$1434	$244
Failure to show documents	$1523	$254
Failure to wear a seat belt	$1571	$267
Child safety restraint	$1578	$263
Driving without lights	$1578	$268
Driving with expired registration	$1605	$268
Cell phone violation	$1626	$276
Driving too slowly	$1626	$271
Speeding in school zone	$1626	$276
Texting while driving	$1626	$271
Failure to yield	$1640	$278
Failure to stop at a red light	$1647	$275
Following too closely	$1654	$281
Illegal turn	$1654	$276
Wrong way/wrong lane	$1667	$283
Improper passing	$1674	$280
In 65 MPH zone	$1702	$289
Speeding 11 - 15 MPH over limit	$1709	$285
Speeding 6 - 10 MPH over limit	$1709	$290
Passing school bus	$1716	$287
Speeding 16 - 20 MPH over limit	$1716	$291
Open container	$1743	$290
Speeding 21 - 25 MPH over limit	$1757	$299
At-fault accident - less than $1000	$1764	$293
Operating a vehicle without permission	$1861	$317
At-fault accident - $1000-$2000	$1875	$312
At-fault accident - greater than $2000	$1875	$319
Reckless driving	$2032	$339
Refusal to submit to a chemical test	$2081	$354
DUI	$2109	$351
Racing	$2170	$369
Driving with a suspended license	$2288	$382
Leaving scene of an accident/hit and run	$2288	$389

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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 Warr Acres 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 Warr Acres.

The cheapest car insurance premiums in Warr Acres are offered by Mercury at $310 for a six-month policy. However, it can be as expensive as $2653 with companies like Farmers.

Warr Acres car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$310	$52
Progressive	$785	$132
State Farm	$992	$167
USAA	$1151	$194
Shelter	$1875	$316
Oklahoma Farm Bureau	$2274	$379
Farm Bureau	$2336	$397
Allstate	$2494	$420
Farmers	$2653	$447

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 Warr Acres are offered by Mercury at $241. However, it can be as expensive as $3176 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Warr Acres after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$241	$41
Oklahoma Farm Bureau	$338	$57
State Farm	$586	$99
Progressive	$820	$138
USAA	$896	$150
Shelter	$1406	$239
Farm Bureau	$1481	$247
Allstate	$2025	$345
Farmers	$3176	$529

Car Insurance Price Trends in Warr Acres, Oklahoma

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

The average cost of full coverage in the Warr Acres rose by $258 in December compared to $253 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Warr Acres rose to $55 in December, compared to $52 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Warr Acres?

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

What is the cheapest car insurance in Warr Acres?

The cheapest car insurance in Warr Acres is $160 per month for full coverage.

How much is car insurance in Warr Acres for teenagers?

Car insurance for teenagers costs $255 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 Warr Acres?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $231 per month to insure your car in Warr Acres.

Is car insurance expensive in Warr Acres?

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

Cheapest Car Insurance Quotes in Warr Acres

Why you can trust Way?

How Much Is Car Insurance in Warr Acres

Avg. Car Insurance in Warr Acres

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Warr Acres

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Warr Acres Car Insurance Rates by Company

Cheap Car Insurance Companies in Warr Acres, OK

Way's key takeaways about car insurance in Warr Acres

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Warr Acres

Cheapest Liability Coverage in Warr Acres, OK

Cheapest Full Coverage Car Insurance in Warr Acres

Cheapest Full Coverage Car Insurance Quotes in Warr Acres, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Warr Acres by Rating Factor

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

Car Insurance Premiums by Age in Warr Acres

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Warr Acres,OK

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

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 Warr Acres

Cheapest Car Insurance Companies after an At-Fault Accident in Warr Acres

Warr Acres Car Insurance Rates by Violation

Warr Acres auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Warr Acres after a DUI

Warr Acres car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Warr Acres after Speeding ticket

Car Insurance Price Trends in Warr Acres, Oklahoma

Average Car Insurance Cost in Warr Acres by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Warr Acres, OK

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

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