Cheapest Car Insurance Quotes in Weatherford

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Weatherford Car Insurance

^$ 23

/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 Weatherford

The car insurance rate in Weatherford is $1120 for a six-month policy, which is $59 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $779, making it a popular choice for budget-conscious drivers. Rates in Weatherford 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 Weatherford

$1120

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Weatherford

1st place: Mercury

At $779 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $818 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $908 for six months, making it the third cheapest auto insurance company in Weatherford.

Weatherford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Weatherford, OK is Mercury, offering policies at just $779 for a six-month term. This is followed by USAA, which has an average six-month premium of $818.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1568 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Weatherford drivers find the best deals.

Cheap Car Insurance Companies in Weatherford, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$779	$131
USAA	$818	$138
Progressive	$908	$153
State Farm	$948	$160
Shelter	$1033	$174
American Farmers & Ranchers Mutual	$1151	$196
Farm Bureau	$1213	$202
Oklahoma Farm Bureau	$1219	$207
Farmers	$1286	$217
AFR Group	$1405	$238
Allstate	$1568	$264

Key Takeaways

Way's key takeaways about car insurance in Weatherford

The auto insurance costs in Weatherford fall around $779 for six months.
The cheapest auto insurance company in Weatherford is Mercury.
Teen drivers pay the highest rate in Weatherford at $40 per month.

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Cheapest Minimum Liability Car Insurance in Weatherford

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 Weatherford are given below.

Mercury provides the cheapest minimum car insurance coverage in Weatherford. Their Average 6 Month Premium is $136. Allstate is the most expensive at $547 for the same period.

Cheapest Liability Coverage in Weatherford, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$136	$23
American Farmers & Ranchers Mutual	$152	$26
USAA	$181	$30
AFR Group	$215	$36
State Farm	$226	$38
Progressive	$232	$39
Shelter	$276	$47
Oklahoma Farm Bureau	$311	$51
Farm Bureau	$344	$59
Farmers	$508	$86
Allstate	$547	$92

Cheapest Full Coverage Car Insurance in Weatherford

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 Weatherford is Mercury at $131 per month and $779 for six months.

Cheapest Full Coverage Car Insurance Quotes in Weatherford, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$779	$131
USAA	$818	$138
Progressive	$908	$153
State Farm	$948	$160
Shelter	$1033	$174
American Farmers & Ranchers Mutual	$1151	$196
Farm Bureau	$1213	$202
Oklahoma Farm Bureau	$1219	$207
Farmers	$1286	$217
AFR Group	$1405	$238
Allstate	$1568	$264

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Average Car Insurance in Weatherford 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 Weatherford, OK increasing?

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

Car Insurance Premiums by Age in Weatherford

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	$696
30s	USAA	$540
40s	USAA	$494
50s	USAA	$474
60s	USAA	$485
70s	USAA	$560

Cheapest Car Insurance Rates for Teen Drivers in Weatherford,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Weatherford at $35 per month. At $237 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	$209	$35
Mercury	$215	$36
USAA	$1112	$187
State Farm	$1749	$295
Progressive	$2207	$371
Shelter	$2782	$468
Farm Bureau	$3628	$617
Oklahoma Farm Bureau	$3730	$621
Allstate	$4390	$739
Farmers	$6411	$1079
American Farmers & Ranchers	$237	$40

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 Weatherford.

As young drivers face the highest rates in Weatherford, USAA offers the cheapest auto insurance rates at $696 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 Weatherford, Mercury is the cheapest car insurance provider. At $181 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 Weatherford is State Farm, offering rates of around $3138 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$181	$30
Oklahoma Farm Bureau	$305	$52
Progressive	$846	$143
USAA	$1089	$185
Farm Bureau	$1219	$203
Shelter	$1952	$332
Allstate	$2167	$361
Farmers	$3115	$530
State Farm	$3138	$523

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

Car Insurance Rates with An Accident in Weatherford

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

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

The cheapest car insurance companies after an at-fault accident in Weatherford include American Farmers & Ranchers Mutual and Mercury, offering $146 and $276, respectively. Farmers is an expensive provider with an average six-month premium of $2399.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$146	$25
Mercury	$276	$47
AFR Group	$344	$57
State Farm	$536	$90
USAA	$626	$105
Oklahoma Farm Bureau	$812	$137
Progressive	$897	$151
Farm Bureau	$1326	$225
Shelter	$1355	$228
Allstate	$2184	$368
Farmers	$2399	$404

Weatherford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Weatherford OK. For example, the car insurance in Weatherford after a DUI increases to $598 for a six month policy. While the rate increases by $270 for a six-month policy in the case of a speeding ticket.

Weatherford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1129	$188
One comp claim	$1151	$196
One Med/PIP claim	$1151	$192
Two Med/PIP claims	$1163	$198
Not-at-fault accident	$1169	$195
Two comp claims	$1174	$200
Failure to show documents	$1247	$208
Failure to wear a seat belt	$1286	$219
Child safety restraint	$1292	$216
Driving without lights	$1292	$219
Driving with expired registration	$1315	$219
Cell phone violation	$1332	$226
Driving too slowly	$1332	$222
Speeding in school zone	$1332	$226
Texting while driving	$1332	$222
Failure to yield	$1343	$228
Failure to stop at a red light	$1349	$225
Following too closely	$1355	$230
Illegal turn	$1355	$226
Wrong way/wrong lane	$1365	$232
Improper passing	$1371	$229
In 65 MPH zone	$1394	$237
Speeding 11 - 15 MPH over limit	$1399	$234
Speeding 6 - 10 MPH over limit	$1399	$238
Passing school bus	$1405	$235
Speeding 16 - 20 MPH over limit	$1405	$238
Open container	$1428	$238
Speeding 21 - 25 MPH over limit	$1439	$245
At-fault accident - less than $1000	$1445	$240
Operating a vehicle without permission	$1524	$259
At-fault accident - $1000-$2000	$1535	$256
At-fault accident - greater than $2000	$1535	$261
Reckless driving	$1664	$277
Refusal to submit to a chemical test	$1704	$290
DUI	$1727	$288
Racing	$1777	$302
Driving with a suspended license	$1873	$313
Leaving scene of an accident/hit and run	$1873	$318

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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 Weatherford 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 Weatherford.

The cheapest car insurance premiums in Weatherford are offered by Mercury at $254 for a six-month policy. However, it can be as expensive as $2173 with companies like Farmers.

Weatherford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$254	$43
Progressive	$643	$108
State Farm	$812	$137
USAA	$942	$159
Shelter	$1535	$258
Oklahoma Farm Bureau	$1862	$311
Farm Bureau	$1913	$325
Allstate	$2043	$344
Farmers	$2173	$366

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 Weatherford are offered by Mercury at $198. However, it can be as expensive as $2601 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Weatherford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$198	$33
Oklahoma Farm Bureau	$276	$47
State Farm	$480	$81
Progressive	$672	$113
USAA	$733	$123
Shelter	$1151	$196
Farm Bureau	$1213	$202
Allstate	$1659	$282
Farmers	$2601	$433

Car Insurance Price Trends in Weatherford, Oklahoma

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

The average cost of full coverage in the Weatherford rose by $211 in December compared to $207 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Weatherford rose to $45 in December, compared to $43 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Weatherford?

The car insurance in Weatherford is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Weatherford?

The cheapest car insurance in Weatherford is $131 per month for full coverage.

How much is car insurance in Weatherford for teenagers?

Car insurance for teenagers costs $209 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 Weatherford?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $189 per month to insure your car in Weatherford.

Is car insurance expensive in Weatherford?

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

Cheapest Car Insurance Quotes in Weatherford

Why you can trust Way?

How Much Is Car Insurance in Weatherford

Avg. Car Insurance in Weatherford

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Weatherford

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Weatherford Car Insurance Rates by Company

Cheap Car Insurance Companies in Weatherford, OK

Way's key takeaways about car insurance in Weatherford

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Weatherford

Cheapest Liability Coverage in Weatherford, OK

Cheapest Full Coverage Car Insurance in Weatherford

Cheapest Full Coverage Car Insurance Quotes in Weatherford, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Weatherford by Rating Factor

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

Car Insurance Premiums by Age in Weatherford

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Weatherford,OK

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

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 Weatherford

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

Weatherford Car Insurance Rates by Violation

Weatherford auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Weatherford after a DUI

Weatherford car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Weatherford after Speeding ticket

Car Insurance Price Trends in Weatherford, Oklahoma

Average Car Insurance Cost in Weatherford by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Weatherford, OK

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

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