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Finding the cheapest car insurance quotes in Wheatland shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Wheatland
The car insurance rate in Wheatland is $1297 for a six-month policy, which is $118 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $902, making it a popular choice for budget-conscious drivers. Rates in Wheatland 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.
At $902 for a six
month policy, Mercury offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $947 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $1052
for six months, making it
the third cheapest auto insurance company in Wheatland.
Wheatland Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Wheatland, OK is Mercury, offering policies at just $902 for a six-month term. This is followed by USAA, which has an average six-month premium of $947.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1816 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wheatland drivers find the best deals.
Way's key takeaways about car insurance in Wheatland
The auto insurance costs in Wheatland fall around $902 for six
months.
The cheapest auto insurance company in Wheatland is Mercury.
Teen drivers pay the highest rate in Wheatland at $46 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 Wheatland
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 Wheatland are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Wheatland. Their Average 6 Month Premium is $157.
Allstate is the most
expensive at $634 for the same
period.
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 Wheatland is Mercury
at $152 per month and $902
for six months.
Cheapest Full Coverage Car Insurance Quotes in Wheatland,
OK
Get Your Car Insurance Quote in Wheatland
Instantly!
Average Car Insurance in Wheatland 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 Wheatland, OK increasing?
Despite maintaining a clean driving record, your car insurance rates
in Wheatland, 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, Wheatland's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Wheatland
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
$806
30s
USAA
$625
40s
USAA
$572
50s
USAA
$549
60s
USAA
$561
70s
USAA
$648
Cheapest Car Insurance Rates for Teen Drivers in
Wheatland,OK
If you are planning to get a car insurance policy for your teenage
dependent, AFR Group provides the cheapest car
insurance in the Wheatland at $41
per
month. At $274 for a six-month premium,
American Farmers & Ranchers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Wheatland.
As young drivers face the highest rates in Wheatland, USAA
offers the cheapest auto insurance rates at $806 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 Wheatland,
Mercury is
the cheapest car insurance provider. At $209 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
Wheatland is State Farm, offering
rates of around $3633 for six
months.
Save up to $971/yr on car insurance rates in Wheatland.
Car Insurance Rates with An Accident in Wheatland
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 Wheatland, OK,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Wheatland
The cheapest car insurance companies after an at-fault accident in
Wheatland include American Farmers & Ranchers Mutual
and Mercury, offering $169
and $320,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2778.
Here is a list of driving violations that can increase your car
insurance rates in Wheatland OK. For example, the car
insurance in Wheatland
after a DUI increases to $693 for a six
month policy. While the rate increases by $313 for a six-month policy in the case of
a speeding ticket.
Wheatland auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1307
$218
One comp claim
$1333
$227
One Med/PIP claim
$1333
$222
Two Med/PIP claims
$1346
$229
Not-at-fault accident
$1353
$226
Two comp claims
$1360
$231
Failure to show documents
$1444
$241
Failure to wear a seat belt
$1489
$253
Child safety restraint
$1496
$250
Driving without lights
$1496
$254
Driving with expired registration
$1522
$254
Cell phone violation
$1542
$262
Driving too slowly
$1542
$257
Speeding in school zone
$1542
$262
Texting while driving
$1542
$257
Failure to yield
$1555
$264
Failure to stop at a red light
$1562
$261
Following too closely
$1569
$266
Illegal turn
$1569
$262
Wrong way/wrong lane
$1581
$268
Improper passing
$1587
$265
In 65 MPH zone
$1614
$274
Speeding 11 - 15 MPH over limit
$1620
$271
Speeding 6 - 10 MPH over limit
$1620
$275
Passing school bus
$1627
$272
Speeding 16 - 20 MPH over limit
$1627
$276
Open container
$1653
$275
Speeding 21 - 25 MPH over limit
$1667
$284
At-fault accident - less than $1000
$1673
$278
Operating a vehicle without permission
$1764
$300
At-fault accident - $1000-$2000
$1778
$296
At-fault accident - greater than $2000
$1778
$303
Reckless driving
$1927
$321
Refusal to submit to a chemical test
$1973
$336
DUI
$2000
$333
Racing
$2058
$350
Driving with a suspended license
$2169
$362
Leaving scene of an accident/hit and run
$2169
$369
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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 Wheatland 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 Wheatland.
The cheapest car insurance premiums in
Wheatland are
offered by Mercury at $294 for a six-month policy.
However, it can be as
expensive as $2516 with companies
like Farmers.
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 Wheatland are offered by Mercury
at $229. However,
it can be as expensive as $3012
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Wheatland after Speeding ticket
Car insurance rates in Wheatland have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Wheatland rose by
$244 in December
compared to $240 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 Wheatland rose to $52 in December,
compared to $50 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Wheatland by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Wheatland. At $2593 for a
six-month policy, insuring
your car at 73097 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Wheatland?
The car insurance in Wheatland is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Wheatland?
The cheapest car insurance in Wheatland
is $152 per month
for full coverage.
How much is car insurance in Wheatland for teenagers?
Car insurance for teenagers costs $242 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
Wheatland?
The average cost of car insurance is $1179 for a six-month
policy. It will cost around $219 per month to insure your
car in Wheatland.
Is car insurance expensive in Wheatland?
Car insurance can be expensive in Wheatland if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Wheatland can be
affordable.
What is the best car insurance in Wheatland,
OK?
The best car insurance company in Wheatland
OK is
Mercury, offering $902 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Wheatland, OK
Car Insurance Rates by State in the USA (2025 Update)
Wheatland Car Insurance
