Cheapest Car Insurance Quotes in Warr Acres

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Warr Acres 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 Warr Acres

The car insurance rate in Warr Acres is $1471 for a six-month policy, which is $235 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1046, 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

$1471

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Warr Acres

1st place: USAA

At $1046 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $1089 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1216 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 USAA, offering policies at just $1046 for a six-month term. This is followed by Progressive, which has an average six-month premium of $1089.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2142 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
USAA	$1046	$176
Progressive	$1089	$183
Mercury	$1216	$205
State Farm	$1272	$214
Shelter	$1421	$239
American Farmers & Ranchers Mutual	$1442	$245
Farmers	$1484	$250
Oklahoma Farm Bureau	$1527	$259
AFR Group	$1760	$294
Farm Bureau	$1789	$305
Allstate	$2142	$361

Key Takeaways

Way's key takeaways about car insurance in Warr Acres

The auto insurance costs in Warr Acres fall around $1046 for six months.
The cheapest auto insurance company in Warr Acres is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Warr Acres at $50 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.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Warr Acres. Their Average 6 Month Premium is $190. Allstate is the most expensive at $693 for the same period.

Cheapest Liability Coverage in Warr Acres, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$190	$32
Mercury	$226	$38
USAA	$233	$39
AFR Group	$269	$45
Progressive	$276	$46
State Farm	$303	$51
Shelter	$361	$61
Oklahoma Farm Bureau	$389	$64
Farm Bureau	$438	$75
Farmers	$516	$87
Allstate	$693	$117

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 USAA at $176 per month and $1046 for six months.

Cheapest Full Coverage Car Insurance Quotes in Warr Acres, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1046	$176
Progressive	$1089	$183
Mercury	$1216	$205
State Farm	$1272	$214
Shelter	$1421	$239
American Farmers & Ranchers Mutual	$1442	$245
Farmers	$1484	$250
Oklahoma Farm Bureau	$1527	$259
AFR Group	$1760	$294
Farm Bureau	$1789	$305
Allstate	$2142	$361

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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	$658
40s	USAA	$603
50s	USAA	$578
60s	USAA	$591
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 $44 per month. At $296 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	$262	$44
USAA	$1464	$246
Progressive	$2551	$430
State Farm	$2580	$434
Mercury	$3344	$563
Shelter	$3803	$640
Oklahoma Farm Bureau	$4672	$795
Farm Bureau	$5231	$872
Allstate	$5789	$975
Farmers	$6737	$1134
American Farmers & Ranchers	$296	$50

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, Oklahoma Farm Bureau is the cheapest car insurance provider. At $382 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 $6977 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$382	$63
Progressive	$897	$151
Mercury	$1527	$257
USAA	$1527	$259
Farm Bureau	$1796	$299
Shelter	$2948	$501
Farmers	$3217	$536
Allstate	$3308	$563
State Farm	$6977	$1163

Escape the Trap of Rising Insurance Costs.

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 AFR Group, offering $183 and $431, respectively. Allstate is an expensive provider with an average six-month premium of $2955.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$183	$31
AFR Group	$431	$74
State Farm	$757	$127
USAA	$820	$138
Mercury	$990	$167
Oklahoma Farm Bureau	$1017	$171
Progressive	$1060	$179
Shelter	$1852	$312
Farm Bureau	$1944	$324
Farmers	$2594	$437
Allstate	$2955	$497

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 $749 for a six month policy. While the rate increases by $339 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	$1414	$236
One comp claim	$1442	$245
One Med/PIP claim	$1442	$240
Two Med/PIP claims	$1457	$248
Not-at-fault accident	$1464	$244
Two comp claims	$1471	$250
Failure to show documents	$1562	$261
Failure to wear a seat belt	$1611	$274
Child safety restraint	$1618	$270
Driving without lights	$1618	$275
Driving with expired registration	$1647	$275
Cell phone violation	$1668	$283
Driving too slowly	$1668	$278
Speeding in school zone	$1668	$283
Texting while driving	$1668	$278
Failure to yield	$1683	$286
Failure to stop at a red light	$1690	$282
Following too closely	$1697	$288
Illegal turn	$1697	$283
Wrong way/wrong lane	$1710	$290
Improper passing	$1717	$287
In 65 MPH zone	$1746	$296
Speeding 11 - 15 MPH over limit	$1753	$293
Speeding 6 - 10 MPH over limit	$1753	$298
Passing school bus	$1760	$294
Speeding 16 - 20 MPH over limit	$1760	$299
Open container	$1789	$298
Speeding 21 - 25 MPH over limit	$1803	$307
At-fault accident - less than $1000	$1810	$301
Operating a vehicle without permission	$1909	$325
At-fault accident - $1000-$2000	$1923	$320
At-fault accident - greater than $2000	$1923	$327
Reckless driving	$2085	$347
Refusal to submit to a chemical test	$2135	$363
DUI	$2163	$361
Racing	$2226	$378
Driving with a suspended license	$2347	$392
Leaving scene of an accident/hit and run	$2347	$399

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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 Progressive at $784 for a six-month policy. However, it can be as expensive as $2764 with companies like Farm Bureau.

Warr Acres car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$784	$132
Mercury	$947	$159
State Farm	$1223	$206
USAA	$1244	$209
Shelter	$2099	$353
Oklahoma Farm Bureau	$2332	$389
Farmers	$2651	$446
Allstate	$2736	$461
Farm Bureau	$2764	$470

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 Oklahoma Farm Bureau at $346. However, it can be as expensive as $2664 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
Oklahoma Farm Bureau	$346	$58
Progressive	$757	$127
State Farm	$820	$138
USAA	$1039	$176
Mercury	$1294	$218
Shelter	$1731	$294
Farm Bureau	$1789	$298
Allstate	$2573	$438
Farmers	$2664	$444

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 $289 in January compared to $264 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 Warr Acres dipped to $55 in January, compared to $56 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 Warr Acres?

The car insurance in Warr Acres is $32 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 $176 per month for full coverage.

How much is car insurance in Warr Acres for teenagers?

Car insurance for teenagers costs $262 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 $1236 for a six-month policy. It will cost around $248 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: USAA

2nd place: Progressive

3rd place: Mercury

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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