Cheapest Car Insurance Quotes in Webbers Falls

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Webbers Falls Car Insurance

^$ 24

/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 Webbers Falls

The car insurance rate in Webbers Falls is $1155 for a six-month policy, which is $24 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $804, making it a popular choice for budget-conscious drivers. Rates in Webbers Falls 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 Webbers Falls

$1155

Avg. Car Insurance in Oklahoma

$1179

National Average

$1140

Cheapest Car Insurance Companies in Webbers Falls

1st place: Mercury

At $804 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $844 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $937 for six months, making it the third cheapest auto insurance company in Webbers Falls.

Webbers Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Webbers Falls, OK is Mercury, offering policies at just $804 for a six-month term. This is followed by USAA, which has an average six-month premium of $844.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1618 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Webbers Falls drivers find the best deals.

Cheap Car Insurance Companies in Webbers Falls, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$804	$135
USAA	$844	$142
Progressive	$937	$158
State Farm	$978	$165
Shelter	$1065	$179
American Farmers & Ranchers Mutual	$1188	$202
Farm Bureau	$1251	$209
Oklahoma Farm Bureau	$1257	$214
Farmers	$1327	$223
AFR Group	$1449	$246
Allstate	$1618	$272

Key Takeaways

Way's key takeaways about car insurance in Webbers Falls

The auto insurance costs in Webbers Falls fall around $804 for six months.
The cheapest auto insurance company in Webbers Falls is Mercury.
Teen drivers pay the highest rate in Webbers Falls at $41 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 Webbers Falls

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 Webbers Falls are given below.

Mercury provides the cheapest minimum car insurance coverage in Webbers Falls. Their Average 6 Month Premium is $140. Allstate is the most expensive at $564 for the same period.

Cheapest Liability Coverage in Webbers Falls, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$140	$24
American Farmers & Ranchers Mutual	$157	$26
USAA	$186	$31
AFR Group	$221	$37
State Farm	$233	$39
Progressive	$239	$40
Shelter	$285	$48
Oklahoma Farm Bureau	$320	$53
Farm Bureau	$355	$61
Farmers	$524	$88
Allstate	$564	$95

Cheapest Full Coverage Car Insurance in Webbers Falls

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 Webbers Falls is Mercury at $135 per month and $804 for six months.

Cheapest Full Coverage Car Insurance Quotes in Webbers Falls, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$804	$135
USAA	$844	$142
Progressive	$937	$158
State Farm	$978	$165
Shelter	$1065	$179
American Farmers & Ranchers Mutual	$1188	$202
Farm Bureau	$1251	$209
Oklahoma Farm Bureau	$1257	$214
Farmers	$1327	$223
AFR Group	$1449	$246
Allstate	$1618	$272

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Average Car Insurance in Webbers Falls 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 Webbers Falls, OK increasing?

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

Car Insurance Premiums by Age in Webbers Falls

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	$718
30s	USAA	$557
40s	USAA	$510
50s	USAA	$489
60s	USAA	$500
70s	USAA	$577

Cheapest Car Insurance Rates for Teen Drivers in Webbers Falls,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Webbers Falls at $36 per month. At $244 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	$216	$36
Mercury	$221	$37
USAA	$1147	$193
State Farm	$1804	$304
Progressive	$2277	$383
Shelter	$2869	$483
Farm Bureau	$3743	$636
Oklahoma Farm Bureau	$3847	$641
Allstate	$4529	$762
Farmers	$6613	$1113
American Farmers & Ranchers	$244	$41

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 Webbers Falls.

As young drivers face the highest rates in Webbers Falls, USAA offers the cheapest auto insurance rates at $718 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 Webbers Falls, Mercury is the cheapest car insurance provider. At $186 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 Webbers Falls is State Farm, offering rates of around $3237 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$186	$31
Oklahoma Farm Bureau	$315	$54
Progressive	$873	$147
USAA	$1123	$191
Farm Bureau	$1257	$210
Shelter	$2014	$342
Allstate	$2235	$372
Farmers	$3213	$547
State Farm	$3237	$539

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Car Insurance Rates with An Accident in Webbers Falls

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

Cheapest Car Insurance Companies after an At-Fault Accident in Webbers Falls

The cheapest car insurance companies after an at-fault accident in Webbers Falls include American Farmers & Ranchers Mutual and Mercury, offering $151 and $285, respectively. Farmers is an expensive provider with an average six-month premium of $2475.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$151	$25
Mercury	$285	$48
AFR Group	$355	$59
State Farm	$553	$93
USAA	$646	$109
Oklahoma Farm Bureau	$838	$141
Progressive	$925	$156
Farm Bureau	$1368	$232
Shelter	$1397	$235
Allstate	$2253	$379
Farmers	$2475	$417

Webbers Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Webbers Falls OK. For example, the car insurance in Webbers Falls after a DUI increases to $618 for a six month policy. While the rate increases by $280 for a six-month policy in the case of a speeding ticket.

Webbers Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1164	$194
One comp claim	$1188	$202
One Med/PIP claim	$1188	$198
Two Med/PIP claims	$1200	$204
Not-at-fault accident	$1205	$201
Two comp claims	$1211	$206
Failure to show documents	$1287	$215
Failure to wear a seat belt	$1327	$225
Child safety restraint	$1333	$222
Driving without lights	$1333	$226
Driving with expired registration	$1356	$226
Cell phone violation	$1374	$233
Driving too slowly	$1374	$229
Speeding in school zone	$1374	$233
Texting while driving	$1374	$229
Failure to yield	$1386	$235
Failure to stop at a red light	$1392	$232
Following too closely	$1397	$237
Illegal turn	$1397	$233
Wrong way/wrong lane	$1408	$239
Improper passing	$1414	$236
In 65 MPH zone	$1438	$244
Speeding 11 - 15 MPH over limit	$1444	$241
Speeding 6 - 10 MPH over limit	$1444	$245
Passing school bus	$1449	$242
Speeding 16 - 20 MPH over limit	$1449	$246
Open container	$1473	$245
Speeding 21 - 25 MPH over limit	$1485	$253
At-fault accident - less than $1000	$1491	$248
Operating a vehicle without permission	$1572	$268
At-fault accident - $1000-$2000	$1584	$264
At-fault accident - greater than $2000	$1584	$270
Reckless driving	$1717	$286
Refusal to submit to a chemical test	$1758	$299
DUI	$1782	$297
Racing	$1834	$312
Driving with a suspended license	$1933	$322
Leaving scene of an accident/hit and run	$1933	$328

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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 Webbers Falls 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 Webbers Falls.

The cheapest car insurance premiums in Webbers Falls are offered by Mercury at $262 for a six-month policy. However, it can be as expensive as $2241 with companies like Farmers.

Webbers Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$262	$44
Progressive	$663	$112
State Farm	$838	$141
USAA	$972	$164
Shelter	$1584	$267
Oklahoma Farm Bureau	$1921	$320
Farm Bureau	$1974	$335
Allstate	$2107	$355
Farmers	$2241	$377

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 Webbers Falls are offered by Mercury at $204. However, it can be as expensive as $2683 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Webbers Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$204	$34
Oklahoma Farm Bureau	$285	$48
State Farm	$495	$83
Progressive	$693	$117
USAA	$757	$126
Shelter	$1188	$202
Farm Bureau	$1251	$209
Allstate	$1711	$291
Farmers	$2683	$447

Car Insurance Price Trends in Webbers Falls, Oklahoma

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

The average cost of full coverage in the Webbers Falls rose by $218 in December compared to $214 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 Webbers Falls rose to $46 in December, compared to $44 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 Webbers Falls?

The car insurance in Webbers Falls is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Webbers Falls?

The cheapest car insurance in Webbers Falls is $135 per month for full coverage.

How much is car insurance in Webbers Falls for teenagers?

Car insurance for teenagers costs $216 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 Webbers Falls?

The average cost of car insurance is $1179 for a six-month policy. It will cost around $195 per month to insure your car in Webbers Falls.

Is car insurance expensive in Webbers Falls?

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

Cheapest Car Insurance Quotes in Webbers Falls

Why you can trust Way?

How Much Is Car Insurance in Webbers Falls

Avg. Car Insurance in Webbers Falls

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Webbers Falls

1st place: Mercury

2nd place: USAA

3rd place: Progressive

Webbers Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in Webbers Falls, OK

Way's key takeaways about car insurance in Webbers Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Webbers Falls

Cheapest Liability Coverage in Webbers Falls, OK

Cheapest Full Coverage Car Insurance in Webbers Falls

Cheapest Full Coverage Car Insurance Quotes in Webbers Falls, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Webbers Falls by Rating Factor

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

Car Insurance Premiums by Age in Webbers Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Webbers Falls,OK

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

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 Webbers Falls

Cheapest Car Insurance Companies after an At-Fault Accident in Webbers Falls

Webbers Falls Car Insurance Rates by Violation

Webbers Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Webbers Falls after a DUI

Webbers Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Webbers Falls after Speeding ticket

Car Insurance Price Trends in Webbers Falls, Oklahoma

Average Car Insurance Cost in Webbers Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Webbers Falls, OK

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

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